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550.80 Td (Form10-K.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.23 550.80 Td ( ) Tj ET Q /GS0 gs q 8.02 0 0 10.09 199.73 548.64 cm /I11 Do Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 543.60 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 525.60 Td (Indicate ) Tj ET Q q 0 0 0 rg BT 99.02 525.60 Td (by ) Tj ET Q q 0 0 0 rg BT 110.06 525.60 Td (check ) Tj ET Q q 0 0 0 rg BT 133.08 525.60 Td (mark ) Tj ET Q q 0 0 0 rg BT 153.61 525.60 Td (whether ) Tj ET Q q 0 0 0 rg BT 184.63 525.60 Td (the ) Tj ET Q q 0 0 0 rg BT 197.66 525.60 Td (registrant ) Tj ET Q q 0 0 0 rg BT 233.69 525.60 Td (is ) Tj ET Q q 0 0 0 rg BT 241.73 525.60 Td (a ) Tj ET Q q 0 0 0 rg BT 247.76 525.60 Td (lar) Tj ET Q q 0 0 0 rg BT 257.09 525.60 Td (ge ) Tj ET Q q 0 0 0 rg BT 267.62 525.60 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 310.12 525.60 Td (filer) Tj ET Q q 0 0 0 rg BT 324.75 525.60 Td (, ) Tj ET Q q 0 0 0 rg BT 329.03 525.60 Td (an ) Tj ET Q q 0 0 0 rg BT 339.57 525.60 Td (accelerated ) Tj ET Q q 0 0 0 rg BT 382.06 525.60 Td (filer) 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Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 670.10 Td () 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 289.85 656.53505859375 m 322.0765625 656.53505859375 l s q 0 0 0 rg BT 289.85 658.10 Td (INDEX) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td () Tj ET Q 1 1 1 rg /GS0 gs 101.50 610.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 596.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 582.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 568.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 554.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 540.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 499.60 401.00 -24.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 475.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 461.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 447.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 433.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 419.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 405.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 391.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 350.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 336.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 322.60 401.00 -25.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 297.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 283.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 242.60 401.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 101.50 228.60 401.00 -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 524.5 623.6 m 562.5 623.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 626.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 301.50 626.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 505.00 626.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.75 627.68 Td (Page) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 285.3 612.76259765625 m 317.6388671875 612.76259765625 l s q 0 0 1 rg BT 285.30 614.33 Td (P) Tj ET Q q 0 0 1 rg BT 290.67 614.33 Td (AR) Tj ET Q q 0 0 1 rg BT 304.76 614.33 Td (T) Tj ET Q q 0 0 1 rg BT 311.25 614.33 Td (I) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F2 1.00 Tf ET q 0 0 0 rg BT 505.00 620.42 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 559.00 613.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 601.17 Td (Item 1) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 599.8333984375 m 139.5615234375 599.8333984375 l s q 0 0 1 rg BT 104.00 601.17 Td (Business) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 607.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 587.17 Td (Item 1A) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 585.8333984375 m 154.2783203125 585.8333984375 l s q 0 0 1 rg BT 104.00 587.17 Td (Risk Factors) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 593.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 573.17 Td (Item 1B) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 571.8333984375 m 217.69140625 571.8333984375 l s q 0 0 1 rg BT 104.00 573.17 Td (Unresolved Staf) Tj ET Q q 0 0 1 rg BT 168.53 573.17 Td (f Comments) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 579.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 559.17 Td (Item 2) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 557.8333984375 m 144.546875 557.8333984375 l s q 0 0 1 rg BT 104.00 559.17 Td (Properties) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 565.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 545.17 Td (Item 3) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 543.8333984375 m 178.140625 543.8333984375 l s q 0 0 1 rg BT 104.00 545.17 Td (Legal Proceedings) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 551.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 531.17 Td (Item 4) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL q 0 0 1 rg BT 104.00 531.17 Td (Mine Safety Disclosures ) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 537.41 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 523.42 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 104.00 523.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 523.41 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 283.35 501.76259765625 m 319.58046875 501.76259765625 l s q 0 0 1 rg BT 283.35 503.33 Td (P) Tj ET Q q 0 0 1 rg BT 288.72 503.33 Td (AR) Tj ET Q q 0 0 1 rg BT 302.81 503.33 Td (T) Tj ET Q q 0 0 1 rg BT 309.30 503.33 Td (II) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 509.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 502.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 490.17 Td (Item 5) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 488.8333984375 m 484.107421875 488.8333984375 l s q 0 0 1 rg BT 104.00 490.17 Td (Market for Registrant) Tj ET Q q 0 0 1 rg BT 193.42 490.17 Td (s Common Equity) Tj ET Q q 0 0 1 rg BT 265.55 490.17 Td (, Related Stockholder Matters and Issuer Purchases of ) Tj ET Q BT /F1 10.00 Tf ET 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 478.8333984375 m 172.5986328125 478.8333984375 l s q 0 0 1 rg BT 104.00 480.17 Td (Equity Securities) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 496.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 466.17 Td (Item 6) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 464.8333984375 m 198.9609375 464.8333984375 l s q 0 0 1 rg BT 104.00 466.17 Td (Selected Financial Data) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 472.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 452.17 Td (Item 7) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 450.8333984375 m 462.291015625 450.8333984375 l s q 0 0 1 rg BT 104.00 452.17 Td (Management) Tj ET Q q 0 0 1 rg BT 158.98 452.17 Td (s Discussion and ) Tj ET Q q 0 0 1 rg BT 228.15 452.17 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 458.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 438.17 Td (Item 7A) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 436.8333984375 m 343.3896484375 436.8333984375 l s q 0 0 1 rg BT 104.00 438.17 Td (Quantitative and Qualitative Disclosures about Market Risk) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 444.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 424.17 Td (Item 8) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 422.8333984375 m 288.951171875 422.8333984375 l s q 0 0 1 rg BT 104.00 424.17 Td (Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 430.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 410.17 Td (Item 9) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG 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380.8333984375 m 177.0322265625 380.8333984375 l s q 0 0 1 rg BT 104.00 382.17 Td (Other Information) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 388.41 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 368.33 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 368.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 368.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 368.17 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 281.4 352.76259765625 m 321.5220703125 352.76259765625 l s q 0 0 1 rg BT 281.40 354.33 Td (P) Tj ET Q q 0 0 1 rg BT 286.77 354.33 Td (AR) Tj ET Q q 0 0 1 rg BT 300.86 354.33 Td (T) Tj ET Q q 0 0 1 rg BT 307.35 354.33 Td (III) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 360.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 353.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 341.17 Td (Item 10) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 339.8333984375 m 333.9951171875 339.8333984375 l s q 0 0 1 rg BT 104.00 341.17 Td (Directors, Executive Of) Tj ET Q q 0 0 1 rg BT 199.06 341.17 Td (ficers, and Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 347.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 327.17 Td (Item 11) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 325.8333984375 m 204.25390625 325.8333984375 l s q 0 0 1 rg BT 104.00 327.17 Td (Executive Compensation) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 333.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 313.17 Td (Item 12) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i 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() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 274.17 Td (Item 14) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 272.8333984375 m 262.291015625 272.8333984375 l s q 0 0 1 rg BT 104.00 274.17 Td (Principal ) Tj ET Q q 0 0 1 rg BT 142.05 274.17 Td (Accountant Fees and Services) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 280.41 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 260.33 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.00 260.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.00 260.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 260.17 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 281.8 244.76259765625002 m 321.27021484375 244.76259765625002 l s q 0 0 1 rg BT 281.80 246.33 Td (P) Tj ET Q q 0 0 1 rg BT 287.17 246.33 Td (AR) Tj ET Q q 0 0 1 rg BT 301.26 246.33 Td (T) Tj ET Q q 0 0 1 rg BT 307.75 246.33 Td (IV) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 252.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 245.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 233.17 Td (Item 15) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 231.83339843750002 m 279.5224609375 231.83339843750002 l s q 0 0 1 rg BT 104.00 233.17 Td (Exhibits and Financial Statement Schedules) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 239.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 225.41 Td () Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 104 217.83339843750002 m 146.216796875 217.83339843750002 l s q 0 0 1 rg BT 104.00 219.17 Td (Signatures) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET 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100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 450.8333984375 m 559 450.8333984375 l s q 0 0 1 rg BT 549.00 452.17 Td (35) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 436.8333984375 m 559 436.8333984375 l s q 0 0 1 rg BT 549.00 438.17 Td (63) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 549 422.8333984375 m 559 422.8333984375 l s q 0 0 1 rg BT 549.00 424.17 Td (67) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 408.8333984375 m 559 408.8333984375 l s q 0 0 1 rg BT 544.00 410.17 Td (144) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 394.8333984375 m 559 394.8333984375 l s q 0 0 1 rg BT 544.00 396.17 Td (144) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 380.8333984375 m 559 380.8333984375 l s q 0 0 1 rg BT 544.00 382.17 Td (144) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 339.8333984375 m 559 339.8333984375 l s q 0 0 1 rg BT 544.00 341.17 Td (145) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 325.8333984375 m 559 325.8333984375 l s q 0 0 1 rg BT 544.00 327.17 Td (145) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 300.93339843750005 m 559 300.93339843750005 l s q 0 0 1 rg BT 544.00 302.27 Td (145) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 286.8333984375 m 559 286.8333984375 l s q 0 0 1 rg BT 544.00 288.17 Td (146) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 272.8333984375 m 559 272.8333984375 l s q 0 0 1 rg BT 544.00 274.17 Td (146) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 231.83339843750002 m 559 231.83339843750002 l s q 0 0 1 rg BT 544.00 233.17 Td (146) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 544 217.83339843750002 m 559 217.83339843750002 l s q 0 0 1 rg BT 544.00 219.17 Td (147) Tj ET Q BT /F1 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL endstream endobj 9 0 obj <> endobj 10 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (4) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.80 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 295.17 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 309.26 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 315.75 742.25 Td ( I) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 706.25 Td (Item 1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 706.25 Td (Business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (Special Note Regarding Forward-Looking Statements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.25 Td (When ) Tj ET Q q 0 0 0 rg BT 111.28 658.25 Td (used ) Tj ET Q q 0 0 0 rg BT 131.02 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 140.20 658.25 Td (this ) Tj ET Q q 0 0 0 rg BT 155.74 658.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 186.59 658.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 215.21 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 226.62 658.25 Td (Form10-K ) Tj ET Q q 0 0 0 rg BT 272.74 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.59 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.77 658.25 Td (other ) Tj ET Q q 0 0 0 rg BT 319.72 658.25 Td (documents ) Tj ET Q q 0 0 0 rg BT 364.45 658.25 Td (filed ) Tj ET Q q 0 0 0 rg BT 384.18 658.25 Td (or ) Tj ET Q q 0 0 0 rg BT 393.92 658.25 Td (furnished ) Tj ET Q q 0 0 0 rg BT 433.09 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 452.28 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.90 658.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 506.74 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 522.58 658.25 Td (Exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Commission, ) Tj ET Q q 0 0 0 rg BT 105.93 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 116.58 646.25 Td (press ) Tj ET Q q 0 0 0 rg BT 139.99 646.25 Td (releases ) Tj ET Q q 0 0 0 rg BT 174.50 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 185.70 646.25 Td (other ) Tj ET Q q 0 0 0 rg BT 209.11 646.25 Td (public ) Tj ET Q q 0 0 0 rg BT 236.97 646.25 Td (shareholder ) Tj ET Q q 0 0 0 rg BT 286.48 646.25 Td (communications, ) Tj ET Q q 0 0 0 rg BT 357.95 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 369.14 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 379.78 646.25 Td (oral ) Tj ET Q q 0 0 0 rg BT 398.20 646.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 443.27 646.25 Td (made ) Tj ET Q q 0 0 0 rg BT 467.79 646.25 Td (with ) Tj ET Q q 0 0 0 rg BT 488.44 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 503.52 646.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 541.37 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 552.57 646.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 93.53 634.25 Td (executive ) Tj ET Q q 0 0 0 rg BT 133.16 634.25 Td (of) Tj ET Q q 0 0 0 rg BT 141.31 634.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 159.23 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 163.05 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 176.60 634.25 Td (words ) Tj ET Q q 0 0 0 rg BT 202.37 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 212.02 634.25 Td (phrases ) Tj ET Q q 0 0 0 rg BT 243.34 634.25 Td (believe, ) Tj ET Q q 0 0 0 rg BT 284.91 634.25 Td (will, ) Tj ET Q q 0 0 0 rg BT 313.17 634.25 Td (should, ) Tj ET Q q 0 0 0 rg BT 352.54 634.25 Td (will ) Tj ET Q q 0 0 0 rg BT 373.86 634.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 397.96 634.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 428.44 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 446.42 634.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 483.27 634.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 499.32 634.25 Td (will ) Tj ET Q q 0 0 0 rg BT 520.64 634.25 Td (continue, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (is ) Tj ET Q q 0 0 0 rg BT 62.77 622.25 Td (anticipated, ) Tj ET Q q 0 0 0 rg BT 115.24 622.25 Td (estimate, ) Tj ET Q q 0 0 0 rg BT 161.60 622.25 Td (project, ) Tj ET Q q 0 0 0 rg BT 202.41 622.25 Td (plans, ) Tj ET Q q 0 0 0 rg BT 236.56 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 246.55 622.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 275.99 622.25 Td (expressions ) Tj ET Q q 0 0 0 rg BT 324.31 622.25 Td (are ) Tj ET Q q 0 0 0 rg BT 338.18 622.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 374.28 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 383.72 622.25 Td (identify ) Tj ET Q q 0 0 0 rg BT 416.49 622.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 488.13 622.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 536.45 622.25 Td (within ) 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 63.91 610.25 Td (meaning ) Tj ET Q q 0 0 0 rg BT 100.03 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.05 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 123.96 610.25 Td (Private ) Tj ET Q q 0 0 0 rg BT 153.97 610.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 195.09 610.25 Td (Litigation ) Tj ET Q q 0 0 0 rg BT 236.22 610.25 Td (Reform ) Tj ET Q q 0 0 0 rg BT 268.08 610.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 284.21 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 294.23 610.25 Td (1995. ) Tj ET Q q 0 0 0 rg BT 320.67 610.25 Td (Y) Tj ET Q q 0 0 0 rg BT 326.89 610.25 Td (ou ) Tj ET Q q 0 0 0 rg BT 338.58 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 352.48 610.25 Td (cautioned ) Tj ET Q q 0 0 0 rg BT 393.04 610.25 Td (not ) Tj ET Q q 0 0 0 rg BT 407.51 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 416.97 610.25 Td (place ) Tj ET Q q 0 0 0 rg BT 439.76 610.25 Td (undue ) Tj ET Q q 0 0 0 rg BT 465.88 610.25 Td (reliance ) Tj ET Q q 0 0 0 rg BT 499.21 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 510.90 610.25 Td (any ) Tj ET Q q 0 0 0 rg BT 527.03 610.25 Td (forward-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (looking ) Tj ET Q q 0 0 0 rg BT 83.22 598.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 130.59 598.25 Td (which ) Tj ET Q q 0 0 0 rg BT 157.69 598.25 Td (speak ) Tj ET Q q 0 0 0 rg BT 183.12 598.25 Td (only ) Tj ET Q q 0 0 0 rg BT 203.56 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 214.55 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.54 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.42 598.25 Td (date ) Tj ET Q q 0 0 0 rg BT 259.74 598.25 Td (made. ) Tj ET Q q 0 0 0 rg BT 288.86 598.25 Td (These ) Tj ET Q q 0 0 0 rg BT 315.40 598.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 360.27 598.25 Td (may ) Tj ET Q q 0 0 0 rg BT 380.15 598.25 Td (relate ) Tj ET Q q 0 0 0 rg BT 405.01 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 415.45 598.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 433.67 598.25 Td (Financial,Inc.) Tj ET Q q 0 0 0 rg BT 493.93 598.25 Td (s ) Tj ET Q q 0 0 0 rg BT 500.49 598.25 Td (future ) Tj ET Q q 0 0 0 rg BT 527.02 598.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (performance, ) Tj ET Q q 0 0 0 rg BT 106.73 586.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 144.32 586.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 169.14 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 181.18 586.25 Td (objectives, ) Tj ET Q q 0 0 0 rg BT 227.94 586.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 267.19 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 279.23 586.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 316.82 586.25 Td (projections, ) Tj ET Q q 0 0 0 rg BT 367.46 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 379.51 586.25 Td (other ) Tj ET Q q 0 0 0 rg BT 403.77 586.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 442.46 586.25 Td (items. ) Tj ET Q q 0 0 0 rg BT 472.84 586.25 Td (By ) Tj ET Q q 0 0 0 rg BT 488.22 586.25 Td (their ) Tj ET Q q 0 0 0 rg BT 510.26 586.25 Td (nature, ) Tj ET Q q 0 0 0 rg BT 541.45 586.25 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 94.81 574.25 Td (are ) Tj ET Q q 0 0 0 rg BT 109.62 574.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 140.54 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.92 574.25 Td (numerous ) Tj ET Q q 0 0 0 rg BT 192.96 574.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 246.65 574.25 Td (that ) Tj ET Q q 0 0 0 rg BT 264.25 574.25 Td (could ) Tj ET Q q 0 0 0 rg BT 289.06 574.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 313.87 574.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 340.34 574.25 Td (results ) Tj ET Q q 0 0 0 rg BT 369.05 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 379.43 574.25 Td (dif) Tj ET Q q 0 0 0 rg BT 390.36 574.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 404.06 574.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 447.19 574.25 Td (from ) Tj ET Q q 0 0 0 rg BT 469.23 574.25 Td (those ) Tj ET Q q 0 0 0 rg BT 492.94 574.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 539.41 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 574.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 550.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 533.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 533.25 Td (Important ) Tj ET Q q 0 0 0 rg BT 127.65 533.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 157.08 533.25 Td (that ) Tj ET Q q 0 0 0 rg BT 174.30 533.25 Td (could ) Tj ET Q q 0 0 0 rg BT 198.74 533.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 223.16 533.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 249.26 533.25 Td (results ) Tj ET Q q 0 0 0 rg BT 277.58 533.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.58 533.25 Td (dif) Tj ET Q q 0 0 0 rg BT 298.51 533.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 311.83 533.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 354.59 533.25 Td (from ) Tj ET Q q 0 0 0 rg BT 376.25 533.25 Td (the ) Tj ET Q q 0 0 0 rg BT 390.69 533.25 Td (results ) Tj ET Q q 0 0 0 rg BT 419.01 533.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 465.10 533.25 Td (or ) Tj ET Q q 0 0 0 rg BT 475.65 533.25 Td (projected ) Tj ET Q q 0 0 0 rg BT 515.08 533.25 Td (include, ) Tj ET Q q 0 0 0 rg BT 549.23 533.25 Td (but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 521.25 Td (are ) Tj ET Q q 0 0 0 rg BT 63.83 521.25 Td (not ) Tj ET Q q 0 0 0 rg BT 78.24 521.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 108.20 521.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 120.10 521.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.95 521.25 Td (following: ) Tj ET Q q 0 0 0 rg BT 177.24 521.25 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 190.53 521.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 227.69 521.25 Td (revenues, ) Tj ET Q q 0 0 0 rg BT 267.35 521.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 285.09 521.25 Td (savings, ) Tj ET Q q 0 0 0 rg BT 319.22 521.25 Td (syner) Tj ET Q q 0 0 0 rg BT 340.69 521.25 Td (gies ) Tj ET Q q 0 0 0 rg BT 358.43 521.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.50 521.25 Td (other ) Tj ET Q q 0 0 0 rg BT 396.67 521.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 429.95 521.25 Td (from ) Tj ET Q q 0 0 0 rg BT 451.02 521.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.86 521.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 482.05 521.25 Td (Financial-American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 509.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 92.22 509.25 Td (mer) Tj ET Q q 0 0 0 rg BT 107.58 509.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 123.15 509.25 Td (might ) Tj ET Q q 0 0 0 rg BT 149.28 509.25 Td (not ) Tj ET Q q 0 0 0 rg BT 164.85 509.25 Td (be ) Tj ET Q q 0 0 0 rg BT 177.08 509.25 Td (realized ) Tj ET Q q 0 0 0 rg BT 211.52 509.25 Td (within ) Tj ET Q q 0 0 0 rg BT 239.87 509.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.88 509.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 293.21 509.25 Td (time ) Tj ET Q q 0 0 0 rg BT 313.77 509.25 Td (frames ) Tj ET Q q 0 0 0 rg BT 343.78 509.25 Td (or ) Tj ET Q q 0 0 0 rg BT 354.90 509.25 Td (at ) Tj ET Q q 0 0 0 rg BT 364.91 509.25 Td (all ) Tj ET Q q 0 0 0 rg BT 377.70 509.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.93 509.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 417.73 509.25 Td (or ) Tj ET Q q 0 0 0 rg BT 428.85 509.25 Td (dif) Tj ET Q q 0 0 0 rg BT 439.78 509.25 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 474.79 509.25 Td (relating ) Tj ET Q q 0 0 0 rg BT 508.12 509.25 Td (to ) Tj ET Q q 0 0 0 rg BT 518.70 509.25 Td (integration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 497.25 Td (matters, ) Tj ET Q q 0 0 0 rg BT 85.23 497.25 Td (including ) Tj ET Q q 0 0 0 rg BT 126.31 497.25 Td (but ) Tj ET Q q 0 0 0 rg BT 142.39 497.25 Td (not ) Tj ET Q q 0 0 0 rg BT 158.47 497.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 190.10 497.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.18 497.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 241.13 497.25 Td (and ) Tj ET Q q 0 0 0 rg BT 258.87 497.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 301.04 497.25 Td (retention, ) Tj ET Q q 0 0 0 rg BT 342.39 497.25 Td (might ) Tj ET Q q 0 0 0 rg BT 369.02 497.25 Td (be ) Tj ET Q q 0 0 0 rg BT 381.76 497.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 412.82 497.25 Td (than ) Tj ET Q q 0 0 0 rg BT 433.33 497.25 Td (expected; ) Tj ET Q q 0 0 0 rg BT 474.95 497.25 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 489.91 497.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.42 497.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 531.49 497.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 553.68 497.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 485.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 82.76 485.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 124.13 485.25 Td (including ) Tj ET Q q 0 0 0 rg BT 164.67 485.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 199.65 485.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.20 485.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.18 485.25 Td (level ) Tj ET Q q 0 0 0 rg BT 247.38 485.25 Td (and ) Tj ET Q q 0 0 0 rg BT 264.59 485.25 Td (direction ) Tj ET Q q 0 0 0 rg BT 302.90 485.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.00 485.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 333.98 485.25 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 391.73 485.25 Td (and ) Tj ET Q q 0 0 0 rg BT 408.94 485.25 Td (write-of) Tj ET Q q 0 0 0 rg BT 440.97 485.25 Td (fs ) Tj ET Q q 0 0 0 rg BT 450.96 485.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.16 485.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 503.14 485.25 Td (in ) Tj ET Q q 0 0 0 rg BT 513.69 485.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 553.67 485.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 473.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.80 473.25 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 105.15 473.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.06 473.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.87 473.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 173.99 473.25 Td (for ) Tj ET Q q 0 0 0 rg BT 188.24 473.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 208.04 473.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 237.02 473.25 Td (which ) Tj ET Q q 0 0 0 rg BT 264.05 473.25 Td (could ) Tj ET Q q 0 0 0 rg BT 288.85 473.25 Td (necessitate ) Tj ET Q q 0 0 0 rg BT 334.75 473.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 377.33 473.25 Td (provisions ) Tj ET Q q 0 0 0 rg BT 421.59 473.25 Td (for ) Tj ET Q q 0 0 0 rg BT 435.83 473.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 455.64 473.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 484.62 473.25 Td (resulting ) Tj ET Q q 0 0 0 rg BT 522.20 473.25 Td (both ) Tj ET Q q 0 0 0 rg BT 542.57 473.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 92.79 461.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.16 461.25 Td (and ) Tj ET Q q 0 0 0 rg BT 132.85 461.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 156.21 461.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 192.88 461.25 Td (from ) Tj ET Q q 0 0 0 rg BT 214.57 461.25 Td (other ) Tj ET Q q 0 0 0 rg BT 237.37 461.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 274.61 461.25 Td (institutions; ) Tj ET Q q 0 0 0 rg BT 324.09 461.25 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 338.00 461.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 387.46 461.25 Td (pressures ) Tj ET Q q 0 0 0 rg BT 426.93 461.25 Td (among ) Tj ET Q q 0 0 0 rg BT 456.40 461.25 Td (depository ) Tj ET Q q 0 0 0 rg BT 500.87 461.25 Td (institutions; ) Tj ET Q q 0 0 0 rg BT 550.35 461.25 Td (\(4\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.44 449.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 98.42 449.25 Td (movements ) Tj ET Q q 0 0 0 rg BT 146.53 449.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.97 449.25 Td (their ) Tj ET Q q 0 0 0 rg BT 183.30 449.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 212.51 449.25 Td (on ) Tj ET Q q 0 0 0 rg BT 224.51 449.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 263.17 449.25 Td (behavior) Tj ET Q q 0 0 0 rg BT 297.75 449.25 Td (, ) Tj ET Q q 0 0 0 rg BT 302.26 449.25 Td (net ) Tj ET Q q 0 0 0 rg BT 316.47 449.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 347.91 449.25 Td (mar) Tj ET Q q 0 0 0 rg BT 363.28 449.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 378.06 449.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.50 449.25 Td (the ) Tj ET Q q 0 0 0 rg BT 408.72 449.25 Td (value ) Tj ET Q q 0 0 0 rg BT 432.37 449.25 Td (of ) Tj ET Q q 0 0 0 rg BT 442.71 449.25 Td (our ) Tj ET Q q 0 0 0 rg BT 458.04 449.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 497.80 449.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 536.46 449.25 Td (rights; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.25 Td (\(5\) ) Tj ET Q q 0 0 0 rg BT 64.56 437.25 Td (the ) Tj ET Q q 0 0 0 rg BT 79.67 437.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 124.24 437.25 Td (that ) Tj ET Q q 0 0 0 rg BT 142.13 437.25 Td (our ) Tj ET Q q 0 0 0 rg BT 158.36 437.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 199.02 437.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 234.14 437.25 Td (business ) Tj ET Q q 0 0 0 rg BT 270.92 437.25 Td (may ) Tj ET Q q 0 0 0 rg BT 291.04 437.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 337.24 437.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 377.89 437.25 Td (volatility ) Tj ET Q q 0 0 0 rg BT 416.89 437.25 Td (in ) Tj ET Q q 0 0 0 rg BT 427.57 437.25 Td (its ) Tj ET Q q 0 0 0 rg BT 439.91 437.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 478.35 437.25 Td (and ) Tj ET Q q 0 0 0 rg BT 495.68 437.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 532.46 437.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 437.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 93.89 425.25 Td (that ) Tj ET Q q 0 0 0 rg BT 111.11 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 125.54 425.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 175.53 425.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.08 425.25 Td (our ) Tj ET Q q 0 0 0 rg BT 201.63 425.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 241.61 425.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 276.04 425.25 Td (business ) Tj ET Q q 0 0 0 rg BT 312.15 425.25 Td (could ) Tj ET Q q 0 0 0 rg BT 336.59 425.25 Td (be ) Tj ET Q q 0 0 0 rg BT 348.24 425.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 400.45 425.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 434.32 425.25 Td (if ) Tj ET Q q 0 0 0 rg BT 442.64 425.25 Td (we ) Tj ET Q q 0 0 0 rg BT 456.52 425.25 Td (are ) Tj ET Q q 0 0 0 rg BT 470.95 425.25 Td (unable ) Tj ET Q q 0 0 0 rg BT 499.82 425.25 Td (to ) Tj ET Q q 0 0 0 rg BT 509.82 425.25 Td (originate ) Tj ET Q q 0 0 0 rg BT 547.58 425.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 67.02 413.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 107.92 413.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 132.17 413.25 Td (at ) Tj ET Q q 0 0 0 rg BT 142.52 413.25 Td (profitable ) Tj ET Q q 0 0 0 rg BT 184.53 413.25 Td (mar) Tj ET Q q 0 0 0 rg BT 199.90 413.25 Td (gins ) Tj ET Q q 0 0 0 rg BT 219.70 413.25 Td (or ) Tj ET Q q 0 0 0 rg BT 231.17 413.25 Td (if ) Tj ET Q q 0 0 0 rg BT 240.41 413.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 275.76 413.25 Td (in ) Tj ET Q q 0 0 0 rg BT 286.67 413.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 319.24 413.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 341.25 413.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 386.04 413.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 416.39 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 431.74 413.25 Td (value ) Tj ET Q q 0 0 0 rg BT 456.53 413.25 Td (of ) Tj ET Q q 0 0 0 rg BT 468.00 413.25 Td (our ) Tj ET Q q 0 0 0 rg BT 484.46 413.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 525.36 413.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.25 Td (rights; ) Tj ET Q q 0 0 0 rg BT 78.02 401.25 Td (\(6\) ) Tj ET Q q 0 0 0 rg BT 92.14 401.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.82 401.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 136.50 401.25 Td (of ) Tj ET Q q 0 0 0 rg BT 147.29 401.25 Td (repricing ) Tj ET Q q 0 0 0 rg BT 185.84 401.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.74 401.25 Td (competitors) Tj ET Q q 0 0 0 rg BT 252.54 401.25 Td ( ) Tj ET Q q 0 0 0 rg BT 255.01 401.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 285.79 401.25 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 327.70 401.25 Td (on ) Tj ET Q q 0 0 0 rg BT 340.16 401.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 359.84 401.25 Td (and ) Tj ET Q q 0 0 0 rg BT 376.74 401.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 408.09 401.25 Td (products; ) Tj ET Q q 0 0 0 rg BT 447.77 401.25 Td (\(7\) ) Tj ET Q q 0 0 0 rg BT 461.89 401.25 Td (fluctuations ) Tj ET Q q 0 0 0 rg BT 511.56 401.25 Td (in ) Tj ET Q q 0 0 0 rg BT 521.80 401.25 Td (real ) Tj ET Q q 0 0 0 rg BT 539.25 401.25 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.25 Td (values; ) Tj ET Q q 0 0 0 rg BT 81.11 389.25 Td (\(8\) ) Tj ET Q q 0 0 0 rg BT 95.55 389.25 Td (our ) Tj ET Q q 0 0 0 rg BT 111.67 389.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 140.01 389.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.57 389.25 Td (adapt ) Tj ET Q q 0 0 0 rg BT 175.01 389.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 226.67 389.25 Td (to ) Tj ET Q q 0 0 0 rg BT 237.23 389.25 Td (technological ) Tj ET Q q 0 0 0 rg BT 293.89 389.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 328.88 389.25 Td (to ) Tj ET Q q 0 0 0 rg BT 339.44 389.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 361.66 389.25 Td (customers) Tj ET Q q 0 0 0 rg BT 404.79 389.25 Td ( ) Tj ET Q q 0 0 0 rg BT 407.58 389.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 433.13 389.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.35 389.25 Td (developments ) Tj ET Q q 0 0 0 rg BT 508.68 389.25 Td (in ) Tj ET Q q 0 0 0 rg BT 519.24 389.25 Td (the ) Tj ET Q q 0 0 0 rg BT 534.25 389.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 377.25 Td (place; ) Tj ET Q q 0 0 0 rg BT 76.07 377.25 Td (\(9\) ) Tj ET Q q 0 0 0 rg BT 89.94 377.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.36 377.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 148.23 377.25 Td (that ) Tj ET Q q 0 0 0 rg BT 165.43 377.25 Td (security ) Tj ET Q q 0 0 0 rg BT 199.29 377.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 238.70 377.25 Td (implemented ) Tj ET Q q 0 0 0 rg BT 293.11 377.25 Td (might ) Tj ET Q q 0 0 0 rg BT 318.64 377.25 Td (not ) Tj ET Q q 0 0 0 rg BT 333.62 377.25 Td (be ) Tj ET Q q 0 0 0 rg BT 345.26 377.25 Td (suf) Tj ET Q q 0 0 0 rg BT 357.30 377.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 385.05 377.25 Td (to ) Tj ET Q q 0 0 0 rg BT 395.03 377.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 430.00 377.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.42 377.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 461.62 377.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.15 377.25 Td (a ) Tj ET Q q 0 0 0 rg BT 478.79 377.25 Td (cyber ) Tj ET Q q 0 0 0 rg BT 503.20 377.25 Td (attack ) Tj ET Q q 0 0 0 rg BT 529.28 377.25 Td (or ) Tj ET Q q 0 0 0 rg BT 539.81 377.25 Td (cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 365.25 Td (theft, ) Tj ET Q q 0 0 0 rg BT 73.79 365.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.19 365.25 Td (that ) Tj ET Q q 0 0 0 rg BT 109.15 365.25 Td (such ) Tj ET Q q 0 0 0 rg BT 130.44 365.25 Td (security ) Tj ET Q q 0 0 0 rg BT 165.06 365.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 205.23 365.25 Td (might ) Tj ET Q q 0 0 0 rg BT 231.53 365.25 Td (not ) Tj ET Q q 0 0 0 rg BT 247.28 365.25 Td (protect ) Tj ET Q q 0 0 0 rg BT 278.00 365.25 Td (against ) Tj ET Q q 0 0 0 rg BT 309.29 365.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 343.93 365.25 Td (failures ) Tj ET Q q 0 0 0 rg BT 376.88 365.25 Td (or ) Tj ET Q q 0 0 0 rg BT 388.17 365.25 Td (interruptions; ) Tj ET Q q 0 0 0 rg BT 445.01 365.25 Td (\(10\) ) Tj ET Q q 0 0 0 rg BT 464.64 365.25 Td (our ) Tj ET Q q 0 0 0 rg BT 480.93 365.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 509.45 365.25 Td (to ) Tj ET Q q 0 0 0 rg BT 520.19 365.25 Td (realize ) Tj ET Q q 0 0 0 rg BT 549.79 365.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 353.25 Td (residual ) Tj ET Q q 0 0 0 rg BT 83.61 353.25 Td (values ) Tj ET Q q 0 0 0 rg BT 111.12 353.25 Td (of ) Tj ET Q q 0 0 0 rg BT 121.41 353.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.70 353.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 161.42 353.25 Td (finance, ) Tj ET Q q 0 0 0 rg BT 195.31 353.25 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 236.13 353.25 Td (and ) Tj ET Q q 0 0 0 rg BT 252.53 353.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 292.25 353.25 Td (leases; ) Tj ET Q q 0 0 0 rg BT 320.86 353.25 Td (\(1) Tj ET Q q 0 0 0 rg BT 328.82 353.25 Td (1\) ) Tj ET Q q 0 0 0 rg BT 339.11 353.25 Td (our ) Tj ET Q q 0 0 0 rg BT 354.40 353.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 381.91 353.25 Td (to ) Tj ET Q q 0 0 0 rg BT 391.65 353.25 Td (access ) Tj ET Q q 0 0 0 rg BT 419.15 353.25 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 446.17 353.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 475.34 353.25 Td (funding; ) Tj ET Q q 0 0 0 rg BT 511.18 353.25 Td (\(12\) ) Tj ET Q q 0 0 0 rg BT 529.80 353.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.26 341.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 97.72 341.25 Td (markets; ) Tj ET Q q 0 0 0 rg BT 134.64 341.25 Td (\(13\) ) Tj ET Q q 0 0 0 rg BT 153.78 341.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 188.47 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 198.74 341.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 240.09 341.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 284.24 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 294.50 341.25 Td (general ) Tj ET Q q 0 0 0 rg BT 326.41 341.25 Td (and ) Tj ET Q q 0 0 0 rg BT 343.33 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 353.59 341.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.29 341.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 404.10 341.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 457.68 341.25 Td (area ) Tj ET Q q 0 0 0 rg BT 476.81 341.25 Td (in ) Tj ET Q q 0 0 0 rg BT 487.07 341.25 Td (particular; ) Tj ET Q q 0 0 0 rg BT 530.64 341.25 Td (\(14\) ) Tj ET Q q 0 0 0 rg BT 549.78 341.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.25 Td (costs, ) Tj ET Q q 0 0 0 rg BT 74.91 329.25 Td (ef) Tj ET Q q 0 0 0 rg BT 82.50 329.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 103.79 329.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.64 329.25 Td (outcomes ) Tj ET Q q 0 0 0 rg BT 161.38 329.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.12 329.25 Td (litigation; ) Tj ET Q q 0 0 0 rg BT 213.42 329.25 Td (\(15\) ) Tj ET Q q 0 0 0 rg BT 232.49 329.25 Td (new ) Tj ET Q q 0 0 0 rg BT 251.56 329.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 295.63 329.25 Td (or ) Tj ET Q q 0 0 0 rg BT 306.38 329.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 349.88 329.25 Td (changes, ) Tj ET Q q 0 0 0 rg BT 387.00 329.25 Td (including ) Tj ET Q q 0 0 0 rg BT 427.19 329.25 Td (but ) Tj ET Q q 0 0 0 rg BT 442.38 329.25 Td (not ) Tj ET Q q 0 0 0 rg BT 457.57 329.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 488.31 329.25 Td (to ) Tj ET Q q 0 0 0 rg BT 498.50 329.25 Td (the ) Tj ET Q q 0 0 0 rg BT 513.13 329.25 Td (Dodd-Frank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 317.25 Td (all ) Tj ET Q q 0 0 0 rg BT 71.30 317.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 97.28 317.25 Td (Reform ) Tj ET Q q 0 0 0 rg BT 130.49 317.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.59 317.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 191.36 317.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 234.54 317.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 251.64 317.25 Td (of ) Tj ET Q q 0 0 0 rg BT 262.64 317.25 Td (2010 ) Tj ET Q q 0 0 0 rg BT 285.30 317.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 303.51 317.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 358.90 317.25 Td (Act\) ) Tj ET Q q 0 0 0 rg BT 383.77 317.25 Td (and ) Tj ET Q q 0 0 0 rg BT 400.87 317.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 447.97 317.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 482.29 317.25 Td (thereunder) Tj ET Q q 0 0 0 rg BT 524.64 317.25 Td (, ) Tj ET Q q 0 0 0 rg BT 529.80 317.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.37 305.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 89.62 305.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 144.42 305.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 181.45 305.25 Td (to ) Tj ET Q q 0 0 0 rg BT 191.82 305.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.64 305.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 257.54 305.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 277.07 305.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 311.88 305.25 Td (in ) Tj ET Q q 0 0 0 rg BT 322.25 305.25 Td (the ) Tj ET Q q 0 0 0 rg BT 337.06 305.25 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 393.52 305.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 421.67 305.25 Td (application ) Tj ET Q q 0 0 0 rg BT 468.69 305.25 Td (of ) Tj ET Q q 0 0 0 rg BT 479.62 305.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 500.54 305.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.57 305.25 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.25 Td (by ) Tj ET Q q 0 0 0 rg BT 63.07 293.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 107.22 293.25 Td (authorities, ) Tj ET Q q 0 0 0 rg BT 155.00 293.25 Td (other ) Tj ET Q q 0 0 0 rg BT 178.61 293.25 Td (governmental ) Tj ET Q q 0 0 0 rg BT 236.66 293.25 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 279.16 293.25 Td (af) Tj ET Q q 0 0 0 rg BT 286.75 293.25 Td (fecting ) Tj ET Q q 0 0 0 rg BT 317.58 293.25 Td (the ) Tj ET Q q 0 0 0 rg BT 332.86 293.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 370.91 293.25 Td (services ) Tj ET Q q 0 0 0 rg BT 406.18 293.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 442.03 293.25 Td (and ) Tj ET Q q 0 0 0 rg BT 459.53 293.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 494.80 293.25 Td (in ) Tj ET Q q 0 0 0 rg BT 505.65 293.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 536.46 293.25 Td (and/or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 281.25 Td (state ) Tj ET Q q 0 0 0 rg BT 71.05 281.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 85.99 281.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 107.05 281.25 Td (or ) Tj ET Q q 0 0 0 rg BT 118.10 281.25 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 178.58 281.25 Td (thereof ) Tj ET Q q 0 0 0 rg BT 209.62 281.25 Td (by ) Tj ET Q q 0 0 0 rg BT 222.35 281.25 Td (taxing ) Tj ET Q q 0 0 0 rg BT 250.07 281.25 Td (authorities; ) Tj ET Q q 0 0 0 rg BT 297.78 281.25 Td (\(16\) ) Tj ET Q q 0 0 0 rg BT 317.17 281.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 352.10 281.25 Td (in ) Tj ET Q q 0 0 0 rg BT 362.60 281.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 409.20 281.25 Td (principles, ) Tj ET Q q 0 0 0 rg BT 453.86 281.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 487.69 281.25 Td (or ) Tj ET Q q 0 0 0 rg BT 498.74 281.25 Td (guidelines; ) Tj ET Q q 0 0 0 rg BT 545.35 281.25 Td (\(17\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 269.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.01 269.25 Td (future ) Tj ET Q q 0 0 0 rg BT 92.56 269.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 143.02 269.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.02 269.25 Td (other ) Tj ET Q q 0 0 0 rg BT 177.25 269.25 Td (depository ) Tj ET Q q 0 0 0 rg BT 222.14 269.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 269.27 269.25 Td (or ) Tj ET Q q 0 0 0 rg BT 280.28 269.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 301.85 269.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.86 269.25 Td (business; ) Tj ET Q q 0 0 0 rg BT 352.20 269.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.32 269.25 Td (\(18\) ) Tj ET Q q 0 0 0 rg BT 388.66 269.25 Td (future ) Tj ET Q q 0 0 0 rg BT 415.21 269.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 453.45 269.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 502.23 269.25 Td (due ) Tj ET Q q 0 0 0 rg BT 519.34 269.25 Td (to ) Tj ET Q q 0 0 0 rg BT 529.80 269.25 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 257.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.11 257.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 115.00 257.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 149.71 257.25 Td (in ) Tj ET Q q 0 0 0 rg BT 159.99 257.25 Td (market ) Tj ET Q q 0 0 0 rg BT 190.25 257.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 236.91 257.25 Td (or ) Tj ET Q q 0 0 0 rg BT 247.74 257.25 Td (other ) Tj ET Q q 0 0 0 rg BT 270.79 257.25 Td (factors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 240.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 228.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 228.25 Td (e ) Tj ET Q q 0 0 0 rg BT 100.96 228.25 Td (do ) Tj ET Q q 0 0 0 rg BT 112.84 228.25 Td (not ) Tj ET Q q 0 0 0 rg BT 127.50 228.25 Td (undertake ) Tj ET Q q 0 0 0 rg BT 168.80 228.25 Td (any ) Tj ET Q q 0 0 0 rg BT 185.12 228.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 227.56 228.25 Td (to ) Tj ET Q q 0 0 0 rg BT 237.22 228.25 Td (update ) Tj ET Q q 0 0 0 rg BT 265.75 228.25 Td (any ) Tj ET Q q 0 0 0 rg BT 282.07 228.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 349.49 228.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 389.69 228.25 Td (to ) Tj ET Q q 0 0 0 rg BT 399.35 228.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 426.77 228.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 485.29 228.25 Td (or ) Tj ET Q q 0 0 0 rg BT 495.50 228.25 Td (events ) Tj ET Q q 0 0 0 rg BT 522.93 228.25 Td (that ) Tj ET Q q 0 0 0 rg BT 539.80 228.25 Td (occur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.25 Td (after ) Tj ET Q q 0 0 0 rg BT 70.82 216.25 Td (the ) Tj ET Q q 0 0 0 rg BT 85.53 216.25 Td (date ) Tj ET Q q 0 0 0 rg BT 104.69 216.25 Td (on ) Tj ET Q q 0 0 0 rg BT 117.19 216.25 Td (which ) Tj ET Q q 0 0 0 rg BT 144.13 216.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.84 216.25 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 226.88 216.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 267.70 216.25 Td (is ) Tj ET Q q 0 0 0 rg BT 276.87 216.25 Td (made.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 192.25 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 180.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 168.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 105.23 168.25 Td (Financial,Inc., ) Tj ET Q q 0 0 0 rg BT 168.88 168.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 229.18 168.25 Td (in ) Tj ET Q q 0 0 0 rg BT 240.63 168.25 Td (Chicago,Illinois, ) Tj ET Q q 0 0 0 rg BT 313.46 168.25 Td (is ) Tj ET Q q 0 0 0 rg BT 323.80 168.25 Td (a ) Tj ET Q q 0 0 0 rg BT 331.91 168.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 370.56 168.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 404.78 168.25 Td (company ) Tj ET Q q 0 0 0 rg BT 445.11 168.25 Td (with ) Tj ET Q q 0 0 0 rg BT 466.55 168.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 502.44 168.25 Td (of) Tj ET Q q 0 0 0 rg BT 510.59 168.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 533.14 168.25 Td (located ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 156.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 89.31 156.25 Td (in ) Tj ET Q q 0 0 0 rg BT 99.19 156.25 Td (the ) Tj ET Q q 0 0 0 rg BT 113.51 156.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 148.94 156.25 Td (area. ) Tj ET Q q 0 0 0 rg BT 172.54 156.25 Td (The ) Tj ET Q q 0 0 0 rg BT 190.19 156.25 Td (words ) Tj ET Q q 0 0 0 rg BT 216.73 156.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 238.83 156.25 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 287.58 156.25 Td (the ) Tj ET Q q 0 0 0 rg BT 306.34 156.25 Td (Company) Tj ET Q q 0 0 0 rg BT 344.58 156.25 Td (, ) Tj ET Q q 0 0 0 rg BT 353.62 156.25 Td (we, ) Tj ET Q q 0 0 0 rg BT 378.76 156.25 Td (our ) Tj ET Q q 0 0 0 rg BT 403.07 156.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.61 156.25 Td (us ) Tj ET Q q 0 0 0 rg BT 439.48 156.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 460.45 156.25 Td (to ) Tj ET Q q 0 0 0 rg BT 470.33 156.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 487.99 156.25 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 547.58 156.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 144.25 Td (its ) Tj ET Q q 0 0 0 rg BT 62.64 144.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 116.37 144.25 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 169.27 144.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 197.46 144.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.87 144.25 Td (context ) Tj ET Q q 0 0 0 rg BT 245.49 144.25 Td (indicates ) Tj ET Q q 0 0 0 rg BT 284.22 144.25 Td (otherwise. ) Tj ET Q q 0 0 0 rg BT 331.28 144.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 350.02 144.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 384.87 144.25 Td (market ) Tj ET Q q 0 0 0 rg BT 415.82 144.25 Td (is ) Tj ET Q q 0 0 0 rg BT 425.68 144.25 Td (the ) Tj ET Q q 0 0 0 rg BT 441.08 144.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 477.60 144.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 531.88 144.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 554.22 144.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.63 132.25 Td (we ) Tj ET Q q 0 0 0 rg BT 90.49 132.25 Td (operate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.11 132.25 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.11 132.25 Td ( ) Tj ET Q q 0 0 0 rg BT 134.30 132.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 168.71 132.25 Td (of) Tj ET Q q 0 0 0 rg BT 176.86 132.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 197.93 132.25 Td (through ) Tj ET Q q 0 0 0 rg BT 231.24 132.25 Td (our ) Tj ET Q q 0 0 0 rg BT 246.76 132.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 268.40 132.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 308.85 132.25 Td (, ) Tj ET Q q 0 0 0 rg BT 313.55 132.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 331.31 132.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 370.71 132.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 396.52 132.25 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 418.15 132.25 Td (\(MB ) Tj ET Q q 0 0 0 rg BT 439.24 132.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 478.65 132.25 Td (Bank\). ) Tj ET Q q 0 0 0 rg BT 507.78 132.25 Td ( ) Tj ET Q q 0 0 0 rg BT 509.82 132.25 Td (Through ) Tj ET Q q 0 0 0 rg BT 546.45 132.25 Td (MB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.84 120.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 116.07 120.25 Td (we ) Tj ET Q q 0 0 0 rg BT 130.35 120.25 Td (of) Tj ET Q q 0 0 0 rg BT 138.50 120.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 152.22 120.25 Td (a ) Tj ET Q q 0 0 0 rg BT 159.28 120.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 184.68 120.25 Td (range ) Tj ET Q q 0 0 0 rg BT 209.51 120.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.46 120.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 258.06 120.25 Td (services ) Tj ET Q q 0 0 0 rg BT 292.90 120.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 332.73 120.25 Td (to ) Tj ET Q q 0 0 0 rg BT 343.13 120.25 Td (small ) Tj ET Q q 0 0 0 rg BT 367.42 120.25 Td (and ) Tj ET Q q 0 0 0 rg BT 384.48 120.25 Td (middle ) Tj ET Q q 0 0 0 rg BT 414.88 120.25 Td (market ) Tj ET Q q 0 0 0 rg BT 445.27 120.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 490.11 120.25 Td (and ) Tj ET Q q 0 0 0 rg BT 507.17 120.25 Td (individuals ) Tj ET Q q 0 0 0 rg BT 554.24 120.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.12 108.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 97.67 108.25 Td (that ) Tj ET Q q 0 0 0 rg BT 114.56 108.25 Td (we ) Tj ET Q q 0 0 0 rg BT 128.12 108.25 Td (serve. ) Tj ET Q q 0 0 0 rg BT 156.12 108.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 173.57 108.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 207.12 108.25 Td (business ) Tj ET Q q 0 0 0 rg BT 242.91 108.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 282.03 108.25 Td (include ) Tj ET Q q 0 0 0 rg BT 313.36 108.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 351.64 108.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 385.20 108.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.54 108.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 442.31 108.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 482.68 108.25 Td (As ) Tj ET Q q 0 0 0 rg BT 495.69 108.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 108.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 96.25 Td (, ) Tj ET Q q 0 0 0 rg BT 75.03 96.25 Td (on ) Tj ET Q q 0 0 0 rg BT 87.56 96.25 Td (a ) Tj ET Q q 0 0 0 rg BT 94.53 96.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 147.60 96.25 Td (basis, ) Tj ET Q q 0 0 0 rg BT 172.63 96.25 Td (we ) Tj ET Q q 0 0 0 rg BT 186.82 96.25 Td (had ) Tj ET Q q 0 0 0 rg BT 203.78 96.25 Td (total ) Tj ET Q q 0 0 0 rg BT 224.09 96.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 249.95 96.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.81 96.25 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 285.83 96.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.95 96.25 Td (, ) Tj ET Q q 0 0 0 rg BT 316.98 96.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 352.29 96.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.14 96.25 Td ($14.1 ) Tj ET Q q 0 0 0 rg BT 388.17 96.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.29 96.25 Td (, ) Tj ET Q q 0 0 0 rg BT 419.32 96.25 Td (stockholders) Tj ET Q q 0 0 0 rg BT 472.45 96.25 Td ( ) Tj ET Q q 0 0 0 rg BT 474.98 96.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 502.50 96.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.36 96.25 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 533.39 96.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 96.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.77 84.25 Td (client ) Tj ET Q q 0 0 0 rg BT 91.32 84.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 116.98 84.25 Td (under ) Tj ET Q q 0 0 0 rg BT 142.08 84.25 Td (management ) Tj ET Q q 0 0 0 rg BT 195.51 84.25 Td (or ) Tj ET Q q 0 0 0 rg BT 206.17 84.25 Td (advisement ) Tj ET Q q 0 0 0 rg BT 254.05 84.25 Td (of ) Tj ET Q q 0 0 0 rg BT 264.71 84.25 Td ($7.5 ) Tj ET Q q 0 0 0 rg BT 284.55 84.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 312.99 84.25 Td (in ) Tj ET Q q 0 0 0 rg BT 323.11 84.25 Td (our ) Tj ET Q q 0 0 0 rg BT 338.77 84.25 Td (wealth ) Tj ET Q q 0 0 0 rg BT 367.76 84.25 Td (management ) Tj ET Q q 0 0 0 rg BT 421.18 84.25 Td (group ) Tj ET Q q 0 0 0 rg BT 446.85 84.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 490.28 84.25 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 510.12 84.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 538.56 84.25 Td (in ) Tj ET Q q 0 0 0 rg BT 548.68 84.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 70.20 72.25 Td (department, ) Tj ET Q q 0 0 0 rg BT 120.10 72.25 Td ($1.1 ) Tj ET Q q 0 0 0 rg BT 140.02 72.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 168.56 72.25 Td (in ) Tj ET Q q 0 0 0 rg BT 178.75 72.25 Td (our ) Tj ET Q q 0 0 0 rg BT 194.51 72.25 Td (majority-owned ) Tj ET Q q 0 0 0 rg BT 260.80 72.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 282.66 72.25 Td (management ) Tj ET Q q 0 0 0 rg BT 336.17 72.25 Td (firm, ) Tj ET Q q 0 0 0 rg BT 358.31 72.25 Td (Cedar ) Tj ET Q q 0 0 0 rg BT 384.60 72.25 Td (Hill ) Tj ET Q q 0 0 0 rg BT 402.05 72.25 Td (Associates ) Tj ET Q q 0 0 0 rg BT 447.24 72.25 Td (LLC ) Tj ET Q q 0 0 0 rg BT 468.54 72.25 Td (\("Cedar ) Tj ET Q q 0 0 0 rg BT 502.25 72.25 Td (Hill"\) ) Tj ET Q q 0 0 0 rg BT 527.64 72.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.50 72.25 Td ($3.5 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 78.61 60.25 Td (in ) Tj ET Q q 0 0 0 rg BT 88.89 60.25 Td (our ) Tj ET Q q 0 0 0 rg BT 104.72 60.25 Td (bank-owned ) Tj ET Q q 0 0 0 rg BT 156.65 60.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 203.03 60.25 Td (management ) Tj ET Q q 0 0 0 rg BT 256.62 60.25 Td (firm, ) Tj ET Q q 0 0 0 rg BT 278.84 60.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 299.96 60.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.46 60.25 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 344.13 60.25 Td (LLC ) Tj ET Q q 0 0 0 rg BT 365.52 60.25 Td (\("MSA"\)\). ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 48.25 Td () Tj ET Q endstream endobj 11 0 obj <> endobj 12 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 742.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 104.88 742.10 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 147.90 742.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 166.49 742.10 Td (was ) Tj ET Q q 0 0 0 rg BT 185.35 742.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 239.20 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 250.84 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 258.60 742.10 Td (Maryland ) Tj ET Q q 0 0 0 rg BT 300.79 742.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 350.20 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.29 742.10 Td (2001 ) Tj ET Q q 0 0 0 rg BT 384.60 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 395.70 742.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 442.88 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 463.97 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 471.73 742.10 Td (mer) Tj ET Q q 0 0 0 rg BT 487.09 742.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 503.18 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.82 742.10 Td (predecessor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 97.76 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 100.08 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 108.72 730.10 Td (e ) Tj ET Q q 0 0 0 rg BT 115.66 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 137.04 730.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 181.19 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.13 730.10 Td (number ) Tj ET Q q 0 0 0 rg BT 221.17 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.00 730.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 282.28 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.55 730.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 319.48 730.10 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 718.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 706.10 Td (During ) Tj ET Q q 0 0 0 rg BT 118.03 706.10 Td (2009 ) Tj ET Q q 0 0 0 rg BT 141.73 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.86 706.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 186.06 706.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 205.32 706.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 246.23 706.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 271.03 706.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 309.16 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 340.06 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 367.08 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.22 706.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 423.36 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 454.26 706.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 495.17 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.20 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.11 706.10 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.95 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.23 694.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 157.50 694.10 Td (facilitated ) Tj ET Q q 0 0 0 rg BT 199.97 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 212.47 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.19 694.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 259.67 694.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 293.28 694.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 334.65 694.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 385.47 694.10 Td (\(FDIC\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.10 Td (Glenwood,Illinois-based ) Tj ET Q q 0 0 0 rg BT 189.59 670.10 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 226.52 670.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 276.80 670.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 300.41 670.10 Td (\(Heritage\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (Oak ) Tj ET Q q 0 0 0 rg BT 105.16 658.10 Td (Forest,Illinois-based ) Tj ET Q q 0 0 0 rg BT 192.09 658.10 Td (InBank; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 124.33 646.10 Td (Illinois-based ) Tj ET Q q 0 0 0 rg BT 181.26 646.10 Td (Corus ) Tj ET Q q 0 0 0 rg BT 207.65 646.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 233.76 646.10 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 255.70 646.10 Td (\(Corus\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.10 Td (Aurora,Illinois-based ) Tj ET Q q 0 0 0 rg BT 176.25 634.10 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 224.85 634.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.46 634.10 Td (\(Benchmark\); ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 622.10 Td (Chicago,Illinois-based ) Tj ET Q q 0 0 0 rg BT 181.26 622.10 Td (New ) Tj ET Q q 0 0 0 rg BT 202.64 622.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 237.36 622.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 260.97 622.10 Td (\(New ) Tj ET Q q 0 0 0 rg BT 285.68 622.10 Td (Century\); ) Tj ET Q q 0 0 0 rg BT 326.50 622.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (Chicago,Illinois-based ) Tj ET Q q 0 0 0 rg BT 181.26 610.10 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 224.86 610.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.47 610.10 Td (\(Broadway\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.50 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.32 586.10 Td (Heritage, ) Tj ET Q q 0 0 0 rg BT 120.85 586.10 Td (Benchmark, ) Tj ET Q q 0 0 0 rg BT 172.05 586.10 Td (New ) Tj ET Q q 0 0 0 rg BT 193.54 586.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 228.36 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 245.41 586.10 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 289.11 586.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 341.98 586.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 360.15 586.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 399.97 586.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 423.68 586.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 455.71 586.10 Td (into ) Tj ET Q q 0 0 0 rg BT 473.88 586.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 516.47 586.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.67 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.78 574.10 Td (FDIC.Under ) Tj ET Q q 0 0 0 rg BT 140.95 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.06 574.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 196.95 574.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 246.88 574.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 264.33 574.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 303.44 574.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 326.44 574.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 353.33 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 373.00 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.11 574.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 411.79 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.46 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.57 574.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 461.36 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 473.25 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 498.48 574.10 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 540.90 574.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.96 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 90.02 562.10 Td (real ) Tj ET Q q 0 0 0 rg BT 107.52 562.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 132.80 562.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 161.98 562.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 196.13 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.43 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 217.28 562.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 255.88 562.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 283.94 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.90 562.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 339.50 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 362.56 562.10 Td (real ) Tj ET Q q 0 0 0 rg BT 380.06 562.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 405.34 562.10 Td (owned\) ) Tj ET Q q 0 0 0 rg BT 442.29 562.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 476.45 562.10 Td (under ) Tj ET Q q 0 0 0 rg BT 501.74 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.47 562.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.98 550.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 102.40 550.10 Td (time ) Tj ET Q q 0 0 0 rg BT 122.50 550.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 154.26 550.10 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 197.12 550.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 211.66 550.10 Td (years ) Tj ET Q q 0 0 0 rg BT 235.08 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 249.07 550.10 Td (single ) Tj ET Q q 0 0 0 rg BT 275.28 550.10 Td (family ) Tj ET Q q 0 0 0 rg BT 303.71 550.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 347.68 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 364.99 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 390.08 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 413.51 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.27 550.10 Td (five ) Tj ET Q q 0 0 0 rg BT 448.14 550.10 Td (years ) Tj ET Q q 0 0 0 rg BT 471.57 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 485.55 550.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 535.07 550.10 Td (loans\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (after ) Tj ET Q q 0 0 0 rg BT 70.45 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 97.01 538.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 114.71 538.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 154.05 538.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 177.29 538.10 Td (will ) Tj ET Q q 0 0 0 rg BT 194.97 538.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 223.77 538.10 Td (100% ) Tj ET Q q 0 0 0 rg BT 249.23 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.69 538.10 Td (any ) Tj ET Q q 0 0 0 rg BT 276.25 538.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 304.78 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 306.75 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 324.43 538.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 373.76 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 393.10 538.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 435.23 538.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 482.89 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 496.68 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.03 538.10 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 547.58 538.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 98.06 526.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 147.79 526.10 Td (expired ) Tj ET Q q 0 0 0 rg BT 179.75 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.49 526.10 Td (March ) Tj ET Q q 0 0 0 rg BT 217.56 526.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 239.53 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.93 526.10 Td (December ) Tj ET Q q 0 0 0 rg BT 298.98 526.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 323.45 526.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 371.11 526.10 Td (, ) Tj ET Q q 0 0 0 rg BT 375.58 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.99 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.17 526.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 455.34 526.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 474.52 526.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 516.48 526.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.02 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.59 514.10 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 122.04 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.84 514.10 Td (New ) Tj ET Q q 0 0 0 rg BT 160.08 514.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 194.65 514.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 244.77 514.10 Td (expired ) Tj ET Q q 0 0 0 rg BT 277.11 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.24 514.10 Td (June ) Tj ET Q q 0 0 0 rg BT 307.93 514.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 332.79 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 335.14 514.10 Td (See ) Tj ET Q q 0 0 0 rg BT 351.94 514.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 377.06 514.10 Td (1A. ) Tj ET Q q 0 0 0 rg BT 394.13 514.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 414.83 514.10 Td (Factors-Our ) Tj ET Q q 0 0 0 rg BT 465.51 514.10 Td (participation ) Tj ET Q q 0 0 0 rg BT 518.40 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 528.53 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.11 514.10 Td (loss-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (share ) Tj ET Q q 0 0 0 rg BT 73.57 502.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 121.57 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.82 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.50 502.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 181.76 502.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 216.43 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 233.90 502.10 Td (we ) Tj ET Q q 0 0 0 rg BT 248.03 502.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 276.61 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 306.28 502.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 345.40 502.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 394.24 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.15 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.84 502.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 450.52 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.32 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 490.99 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 514.57 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 534.26 502.10 Td (exceed ) 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 64.72 490.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 103.30 490.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 135.24 490.10 Td (under ) Tj ET Q q 0 0 0 rg BT 160.51 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.22 490.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 217.71 490.10 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 466.10 Td (On ) Tj ET Q q 0 0 0 rg BT 102.13 466.10 Td (December ) Tj ET Q q 0 0 0 rg BT 147.12 466.10 Td (28, ) Tj ET Q q 0 0 0 rg BT 163.53 466.10 Td (2012, ) Tj ET Q q 0 0 0 rg BT 189.94 466.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 209.41 466.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 250.53 466.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 275.55 466.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 313.88 466.10 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 341.68 466.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 377.24 466.10 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 403.65 466.10 Td (\(Celtic\), ) Tj ET Q q 0 0 0 rg BT 449.48 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.83 466.10 Td (privately ) Tj ET Q q 0 0 0 rg BT 497.28 466.10 Td (held, ) Tj ET Q q 0 0 0 rg BT 520.90 466.10 Td (mid-ticket ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 94.71 454.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 125.54 454.10 Td (company) Tj ET Q q 0 0 0 rg BT 161.54 454.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 430.10 Td (On ) Tj ET Q q 0 0 0 rg BT 100.02 430.10 Td (August ) Tj ET Q q 0 0 0 rg BT 131.22 430.10 Td (18, ) Tj ET Q q 0 0 0 rg BT 146.02 430.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 170.83 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.35 430.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.54 430.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 263.11 430.10 Td (T) Tj ET Q q 0 0 0 rg BT 268.52 430.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 291.37 430.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 322.56 430.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 352.92 430.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 370.49 430.10 Td (\("T) Tj ET Q q 0 0 0 rg BT 383.31 430.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 406.17 430.10 Td (Capital"\), ) Tj ET Q q 0 0 0 rg BT 447.27 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 454.01 430.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 475.76 430.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 508.62 430.10 Td (company ) Tj ET Q q 0 0 0 rg BT 547.58 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.21 418.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 91.20 418.10 Td (company ) Tj ET Q q 0 0 0 rg BT 129.85 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.18 418.10 Td (Cole ) Tj ET Q q 0 0 0 rg BT 160.92 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 166.33 418.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 188.87 418.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 214.47 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 220.91 418.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 270.10 418.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 291.54 418.10 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 350.17 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.94 418.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 397.77 418.10 Td (through ) Tj ET Q q 0 0 0 rg BT 430.87 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.08 418.10 Td (mer) Tj ET Q q 0 0 0 rg BT 460.45 418.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 475.22 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.40 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 490.81 418.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 513.35 418.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 544.23 418.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.48 406.10 Td (into ) Tj ET Q q 0 0 0 rg BT 84.08 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.33 406.10 Td (Company) Tj ET Q q 0 0 0 rg BT 136.57 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 141.11 406.10 Td (followed ) Tj ET Q q 0 0 0 rg BT 178.70 406.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 230.73 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 242.77 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.03 406.10 Td (mer) Tj ET Q q 0 0 0 rg BT 272.39 406.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 287.20 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.57 406.10 Td (Cole ) Tj ET Q q 0 0 0 rg BT 318.35 406.10 Td (T) Tj ET Q q 0 0 0 rg BT 323.76 406.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 346.35 406.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 369.50 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 389.32 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.80 406.10 Td (into ) Tj ET Q q 0 0 0 rg BT 423.40 406.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 441.00 406.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 480.25 406.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 505.90 406.10 Td (Consideration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 69.62 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 82.02 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.64 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 137.93 394.10 Td (was ) Tj ET Q q 0 0 0 rg BT 155.88 394.10 Td ($648.8 ) Tj ET Q q 0 0 0 rg BT 185.79 394.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 219.58 394.10 Td (including ) Tj ET Q q 0 0 0 rg BT 259.76 394.10 Td ($519.3 ) Tj ET Q q 0 0 0 rg BT 289.66 394.10 Td (million ) Tj ET Q q 0 0 0 rg BT 320.95 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.13 394.10 Td (common ) Tj ET Q q 0 0 0 rg BT 368.53 394.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 392.04 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.88 394.10 Td ($129.5 ) Tj ET Q q 0 0 0 rg BT 438.78 394.10 Td (million ) Tj ET Q q 0 0 0 rg BT 470.08 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.26 394.10 Td (cash. ) Tj ET Q q 0 0 0 rg BT 502.93 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 505.16 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.11 394.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 77.48 382.10 Td (19.6 ) Tj ET Q q 0 0 0 rg BT 97.46 382.10 Td (million ) Tj ET Q q 0 0 0 rg BT 128.83 382.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 156.30 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.11 382.10 Td (common ) Tj ET Q q 0 0 0 rg BT 204.59 382.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 228.18 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 238.99 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 245.91 382.10 Td (result ) Tj ET Q q 0 0 0 rg BT 270.61 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.42 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.11 382.10 Td (mer) Tj ET Q q 0 0 0 rg BT 311.48 382.10 Td (ger) Tj ET Q q 0 0 0 rg BT 323.70 382.10 Td (. ) Tj ET Q q 0 0 0 rg BT 328.68 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.16 382.10 Td (In ) Tj ET Q q 0 0 0 rg BT 341.97 382.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 379.72 382.10 Td (each ) Tj ET Q q 0 0 0 rg BT 400.52 382.10 Td (share ) Tj ET Q q 0 0 0 rg BT 424.10 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.73 382.10 Td (T) Tj ET Q q 0 0 0 rg BT 440.14 382.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 463.17 382.10 Td (Capital) Tj ET Q q 0 0 0 rg BT 494.83 382.10 Td (s ) Tj ET Q q 0 0 0 rg BT 501.20 382.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 541.44 382.10 Td (Non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 98.76 370.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 138.05 370.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 165.43 370.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 191.51 370.10 Td (A) Tj ET Q q 0 0 0 rg BT 198.18 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 200.27 370.10 Td (was ) Tj ET Q q 0 0 0 rg BT 217.92 370.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 259.45 370.10 Td (into ) Tj ET Q q 0 0 0 rg BT 277.10 370.10 Td (one ) Tj ET Q q 0 0 0 rg BT 293.64 370.10 Td (share ) Tj ET Q q 0 0 0 rg BT 316.84 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.27 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.58 370.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 388.26 370.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 428.12 370.10 Td (Non-Cumulative ) Tj ET Q q 0 0 0 rg BT 497.43 370.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 536.73 370.10 Td (Stock, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 76.33 358.10 Td (A) Tj ET Q q 0 0 0 rg BT 83.00 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.42 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 105.62 358.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 158.60 358.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 195.45 358.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 222.59 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.02 358.10 Td (See ) Tj ET Q q 0 0 0 rg BT 241.88 358.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 263.74 358.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 271.17 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.92 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.56 358.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 320.10 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.30 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.05 358.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 377.91 358.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 430.88 358.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 468.28 358.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 512.92 358.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 554.22 358.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 70.83 346.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 78.33 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.16 346.10 Td (this ) Tj ET Q q 0 0 0 rg BT 106.10 346.10 Td (report ) Tj ET Q q 0 0 0 rg BT 132.48 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 146.64 346.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 189.13 346.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 322.10 Td (On ) Tj ET Q q 0 0 0 rg BT 100.37 322.10 Td (December ) Tj ET Q q 0 0 0 rg BT 143.60 322.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 158.24 322.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 182.89 322.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 200.60 322.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 239.96 322.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 263.21 322.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 299.78 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.36 322.10 Td (100% ) Tj ET Q q 0 0 0 rg BT 331.84 322.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 358.98 322.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 390.56 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 400.48 322.10 Td (MSA, ) Tj ET Q q 0 0 0 rg BT 426.81 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.17 322.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 468.30 322.10 Td (company ) Tj ET Q q 0 0 0 rg BT 507.10 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.58 322.10 Td (MainStreet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 95.77 310.10 Td (Advisors, ) Tj ET Q q 0 0 0 rg BT 136.11 310.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 156.71 310.10 Td (\("MainStreet"\) ) Tj ET Q q 0 0 0 rg BT 217.69 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.85 310.10 Td (Cambium ) Tj ET Q q 0 0 0 rg BT 274.63 310.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 298.58 310.10 Td (Management, ) Tj ET Q q 0 0 0 rg BT 355.00 310.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 375.61 310.10 Td (\("Cambium"\). ) Tj ET Q q 0 0 0 rg BT 434.09 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.81 310.10 Td (MainStreet ) Tj ET Q q 0 0 0 rg BT 481.97 310.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 518.13 310.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.15 298.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 143.33 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 154.18 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.46 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 191.96 298.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 212.80 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.31 298.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 282.24 298.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 303.08 298.10 Td (company ) Tj ET Q q 0 0 0 rg BT 342.80 298.10 Td (markets. ) Tj ET Q q 0 0 0 rg BT 382.52 298.10 Td (Cambium, ) Tj ET Q q 0 0 0 rg BT 427.53 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.03 298.10 Td (Registered ) Tj ET Q q 0 0 0 rg BT 480.86 298.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 527.68 298.10 Td (Advisor) Tj ET Q q 0 0 0 rg BT 559.50 298.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 86.12 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 93.71 286.10 Td (ficient, ) Tj ET Q q 0 0 0 rg BT 123.44 286.10 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 150.46 286.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 179.35 286.10 Td (account ) Tj ET Q q 0 0 0 rg BT 212.13 286.10 Td (management ) Tj ET Q q 0 0 0 rg BT 264.90 286.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 302.71 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 314.39 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.51 286.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 374.40 286.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 396.08 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 409.43 286.10 Td (high ) Tj ET Q q 0 0 0 rg BT 428.89 286.10 Td (net ) Tj ET Q q 0 0 0 rg BT 442.79 286.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 467.81 286.10 Td (clients, ) Tj ET Q q 0 0 0 rg BT 498.10 286.10 Td (both ) Tj ET Q q 0 0 0 rg BT 517.56 286.10 Td (individuals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.03 274.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 116.58 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.61 274.10 Td (small ) Tj ET Q q 0 0 0 rg BT 157.87 274.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 195.45 274.10 Td (through ) Tj ET Q q 0 0 0 rg BT 229.15 274.10 Td (its ) Tj ET Q q 0 0 0 rg BT 241.20 274.10 Td (BluePrint ) Tj ET Q q 0 0 0 rg BT 282.13 274.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 319.72 274.10 Td (solution. ) Tj ET Q q 0 0 0 rg BT 357.04 274.10 Td (See ) Tj ET Q q 0 0 0 rg BT 374.07 274.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 396.10 274.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 403.70 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.62 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.43 274.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 453.13 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.51 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.43 274.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 511.46 274.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 262.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 132.19 262.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 173.56 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 183.84 262.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 204.67 262.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 212.17 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.00 262.10 Td (this ) Tj ET Q q 0 0 0 rg BT 239.95 262.10 Td (report ) Tj ET Q q 0 0 0 rg BT 266.32 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 280.48 262.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 322.97 262.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 238.10 Td (On ) Tj ET Q q 0 0 0 rg BT 100.00 238.10 Td (August ) Tj ET Q q 0 0 0 rg BT 131.18 238.10 Td (24, ) Tj ET Q q 0 0 0 rg BT 145.96 238.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 170.75 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.25 238.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.42 238.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 262.63 238.10 Td (American ) Tj ET Q q 0 0 0 rg BT 304.34 238.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 346.05 238.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 384.71 238.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 402.26 238.10 Td (\("American ) Tj ET Q q 0 0 0 rg BT 451.38 238.10 Td (Chartered"\), ) Tj ET Q q 0 0 0 rg BT 503.00 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 509.73 238.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.45 238.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (company ) Tj ET Q q 0 0 0 rg BT 88.30 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.38 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.25 226.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 144.88 226.10 Td (company ) Tj ET Q q 0 0 0 rg BT 183.18 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 192.79 226.10 Td (American ) Tj ET Q q 0 0 0 rg BT 233.86 226.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 274.93 226.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 300.18 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.27 226.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 355.11 226.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 376.19 226.10 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 434.47 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.89 226.10 Td (Schaumbur) Tj ET Q q 0 0 0 rg BT 489.26 226.10 Td (g, ) Tj ET Q q 0 0 0 rg BT 498.41 226.10 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 530.89 226.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.47 214.10 Td (mer) Tj ET Q q 0 0 0 rg BT 79.84 214.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 94.86 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.95 214.10 Td (American ) Tj ET Q q 0 0 0 rg BT 146.63 214.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 188.31 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 208.34 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.03 214.10 Td (into ) Tj ET Q q 0 0 0 rg BT 242.84 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.32 214.10 Td (Company) Tj ET Q q 0 0 0 rg BT 295.55 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 300.31 214.10 Td (followed ) Tj ET Q q 0 0 0 rg BT 338.11 214.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 390.35 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 402.60 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.08 214.10 Td (mer) Tj ET Q q 0 0 0 rg BT 432.44 214.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 447.47 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.55 214.10 Td (American ) Tj ET Q q 0 0 0 rg BT 499.23 214.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 540.91 214.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.74 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 86.15 202.10 Td (into ) Tj ET Q q 0 0 0 rg BT 103.67 202.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 121.19 202.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 160.37 202.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 185.94 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 187.91 202.10 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 245.97 202.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 265.15 202.10 Td (was ) Tj ET Q q 0 0 0 rg BT 282.67 202.10 Td ($487.4 ) Tj ET Q q 0 0 0 rg BT 312.14 202.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 345.49 202.10 Td (including ) Tj ET Q q 0 0 0 rg BT 385.23 202.10 Td ($382.8 ) Tj ET Q q 0 0 0 rg BT 414.69 202.10 Td (million ) Tj ET Q q 0 0 0 rg BT 445.55 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 455.29 202.10 Td (common ) Tj ET Q q 0 0 0 rg BT 492.25 202.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 515.32 202.10 Td (\(9.7 ) Tj ET Q q 0 0 0 rg BT 533.12 202.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (shares\), ) Tj ET Q q 0 0 0 rg BT 83.44 190.10 Td ($102.3 ) Tj ET Q q 0 0 0 rg BT 113.56 190.10 Td (million ) Tj ET Q q 0 0 0 rg BT 145.08 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.48 190.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 175.87 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.93 190.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 213.05 190.10 Td (million ) Tj ET Q q 0 0 0 rg BT 244.57 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.97 190.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 294.22 190.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 317.95 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.01 190.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 384.84 190.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 415.79 190.10 Td (assumed. ) Tj ET Q q 0 0 0 rg BT 455.35 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 457.97 190.10 Td (See ) Tj ET Q q 0 0 0 rg BT 475.03 190.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 497.09 190.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 504.71 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.66 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.50 190.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 554.23 190.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 178.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 97.76 178.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 150.81 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.29 178.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 233.00 178.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 274.37 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 284.65 178.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 305.47 178.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 312.97 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.80 178.10 Td (this ) Tj ET Q q 0 0 0 rg BT 340.75 178.10 Td (report ) Tj ET Q q 0 0 0 rg BT 367.13 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.29 178.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 423.78 178.10 Td (information.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 66.94 154.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 108.32 154.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 131.37 154.10 Td (Subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 130.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 105.03 130.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 145.71 130.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 172.79 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 189.59 130.10 Td (lar) Tj ET Q q 0 0 0 rg BT 199.96 130.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 219.54 130.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 260.00 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 265.97 130.10 Td (has ) Tj ET Q q 0 0 0 rg BT 282.77 130.10 Td (four ) Tj ET Q q 0 0 0 rg BT 302.90 130.10 Td (wholly ) Tj ET Q q 0 0 0 rg BT 334.15 130.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 364.28 130.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 414.97 130.10 Td (with ) Tj ET Q q 0 0 0 rg BT 436.22 130.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 481.90 130.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 523.13 130.10 Td (activities: ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 83.44 118.10 Td (Systems ) Tj ET Q q 0 0 0 rg BT 119.67 118.10 Td (Leasing,Inc. ) Tj ET Q q 0 0 0 rg BT 174.48 118.10 Td (\("LaSalle"\), ) Tj ET Q q 0 0 0 rg BT 225.24 118.10 Td (Celtic, ) Tj ET Q q 0 0 0 rg BT 254.52 118.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 272.97 118.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 319.75 118.10 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 356.80 118.10 Td (LLC, ) Tj ET Q q 0 0 0 rg BT 381.08 118.10 Td (\("MB ) Tj ET Q q 0 0 0 rg BT 406.94 118.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 453.72 118.10 Td (Finance"\) ) Tj ET Q q 0 0 0 rg BT 495.68 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 503.01 118.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 547.01 118.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (was ) Tj ET Q q 0 0 0 rg BT 69.14 106.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 107.14 106.10 Td (through ) Tj ET Q q 0 0 0 rg BT 141.84 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.38 106.10 Td (T) Tj ET Q q 0 0 0 rg BT 162.79 106.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 186.92 106.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 219.38 106.10 Td (mer) Tj ET Q q 0 0 0 rg BT 234.75 106.10 Td (ger) Tj ET Q q 0 0 0 rg BT 247.12 106.10 Td (, ) Tj ET Q q 0 0 0 rg BT 253.20 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.23 106.10 Td (MSA. ) Tj ET Q q 0 0 0 rg BT 298.98 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.57 106.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 321.71 106.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 362.51 106.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 387.20 106.10 Td (also ) Tj ET Q q 0 0 0 rg BT 406.89 106.10 Td (has ) Tj ET Q q 0 0 0 rg BT 423.81 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 431.83 106.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 469.30 106.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 499.54 106.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 544.23 106.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 94.71 94.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 134.98 94.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 176.07 94.10 Td (Cedar ) Tj ET Q q 0 0 0 rg BT 202.45 94.10 Td (Hill.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 82.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 70.10 Td (LaSalle, ) Tj ET Q q 0 0 0 rg BT 122.76 70.10 Td (which ) Tj ET Q q 0 0 0 rg BT 150.92 70.10 Td (we ) Tj ET Q q 0 0 0 rg BT 166.30 70.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 204.44 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.93 70.10 Td (2002, ) Tj ET Q q 0 0 0 rg BT 242.15 70.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 275.86 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 289.58 70.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 321.62 70.10 Td (technology-related ) Tj ET Q q 0 0 0 rg BT 400.31 70.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 446.24 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.73 70.10 Td (middle ) Tj ET Q q 0 0 0 rg BT 489.23 70.10 Td (market ) Tj ET Q q 0 0 0 rg BT 520.71 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 538.86 70.10 Td (lar) Tj ET Q q 0 0 0 rg BT 549.23 70.10 Td (ger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 93.81 58.10 Td (located ) Tj ET Q q 0 0 0 rg BT 124.27 58.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 169.75 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.55 58.10 Td (United ) Tj ET Q q 0 0 0 rg BT 212.36 58.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 242.83 58.10 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 274.96 58.10 Td (also ) Tj ET Q q 0 0 0 rg BT 292.66 58.10 Td (specializes ) Tj ET Q q 0 0 0 rg BT 337.56 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 346.92 58.10 Td (brokering ) Tj ET Q q 0 0 0 rg BT 387.39 58.10 Td (third ) Tj ET Q q 0 0 0 rg BT 407.86 58.10 Td (party ) Tj ET Q q 0 0 0 rg BT 430.00 58.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 473.80 58.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 525.92 58.10 Td (contracts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.21 46.10 Td (well ) Tj ET Q q 0 0 0 rg BT 81.30 46.10 Td (as ) Tj ET Q q 0 0 0 rg BT 92.51 46.10 Td (technology-related ) Tj ET Q q 0 0 0 rg BT 170.36 46.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 217.95 46.10 Td ( ) Tj ET Q q 0 0 0 rg BT 220.83 46.10 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 247.59 46.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 280.45 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 293.33 46.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 324.54 46.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 369.63 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.28 46.10 Td (middle ) Tj ET Q q 0 0 0 rg BT 410.94 46.10 Td (market ) Tj ET Q q 0 0 0 rg BT 441.58 46.10 Td (health ) Tj ET Q q 0 0 0 rg BT 468.89 46.10 Td (care, ) Tj ET Q q 0 0 0 rg BT 490.91 46.10 Td (legal, ) Tj ET Q q 0 0 0 rg BT 515.73 46.10 Td (technology) Tj ET Q q 0 0 0 rg BT 559.51 46.10 Td (, ) Tj ET Q endstream endobj 13 0 obj <> endobj 14 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (6) Tj ET Q 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 67.53 742.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 128.94 742.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 174.80 742.10 Td (located ) Tj ET Q q 0 0 0 rg BT 206.76 742.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 253.75 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.06 742.10 Td (United ) Tj ET Q q 0 0 0 rg BT 299.37 742.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 328.85 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.94 742.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 350.60 742.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 397.58 742.10 Td (Finance ) Tj ET Q q 0 0 0 rg BT 432.33 742.10 Td (of) Tj ET Q q 0 0 0 rg BT 440.48 742.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 458.56 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 466.09 742.10 Td (full ) Tj ET Q q 0 0 0 rg BT 483.08 742.10 Td (range ) Tj ET Q q 0 0 0 rg BT 508.38 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.80 742.10 Td (equipment ) 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 81.92 730.10 Td (options ) Tj ET Q q 0 0 0 rg BT 113.87 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.81 730.10 Td (specializes ) Tj ET Q q 0 0 0 rg BT 176.62 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.90 730.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 233.28 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.22 730.10 Td (syndicating ) Tj ET Q q 0 0 0 rg BT 298.82 730.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 348.52 730.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 393.23 730.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 419.61 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 430.44 730.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 450.72 730.10 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 512.09 730.10 Td (companies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 52.50 718.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 706.10 Td (Cedar ) Tj ET Q q 0 0 0 rg BT 114.32 706.10 Td (Hill ) Tj ET Q q 0 0 0 rg BT 134.32 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 145.44 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 159.32 706.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 183.21 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 238.74 706.10 Td (firm ) Tj ET Q q 0 0 0 rg BT 260.40 706.10 Td (located ) Tj ET Q q 0 0 0 rg BT 293.72 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 305.94 706.10 Td (Chicago,Illinois ) Tj ET Q q 0 0 0 rg BT 377.05 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 389.27 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 418.16 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 434.26 706.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 473.13 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 482.02 706.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 520.34 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 554.22 706.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (April2008. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 670.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.67 670.10 Td (October ) Tj ET Q q 0 0 0 rg BT 131.21 670.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 156.04 670.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 173.94 670.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 213.49 670.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 236.93 670.10 Td (formed ) Tj ET Q q 0 0 0 rg BT 268.14 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.92 670.10 Td (new ) Tj ET Q q 0 0 0 rg BT 293.91 670.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 334.37 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 339.21 670.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 357.10 670.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 396.65 670.10 Td (International, ) Tj ET Q q 0 0 0 rg BT 452.58 670.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 472.68 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 482.79 670.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 506.23 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 516.89 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.45 670.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (company ) Tj ET Q q 0 0 0 rg BT 89.66 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.33 658.10 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 137.89 658.10 Td (Solutions ) Tj ET Q q 0 0 0 rg BT 178.68 658.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 211.68 658.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 232.46 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.90 658.10 Td (Canadian ) Tj ET Q q 0 0 0 rg BT 280.68 658.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 312.01 658.10 Td (company) Tj ET Q q 0 0 0 rg BT 348.02 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 353.53 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 356.53 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.98 658.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 392.55 658.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 431.12 658.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 463.02 658.10 Td (Canada ) Tj ET Q q 0 0 0 rg BT 496.01 658.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 516.79 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 524.24 658.10 Td (Canadian ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 98.04 646.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 130.53 646.10 Td (company) Tj ET Q q 0 0 0 rg BT 166.54 646.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 96.39 622.10 Td (Segments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.52 598.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 147.14 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 161.31 598.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 199.37 598.10 Td (based ) Tj ET Q q 0 0 0 rg BT 224.10 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 236.07 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.25 598.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 289.98 598.10 Td (results ) Tj ET Q q 0 0 0 rg BT 318.05 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.35 598.10 Td (three ) Tj ET Q q 0 0 0 rg BT 350.30 598.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 392.80 598.10 Td (segments: ) Tj ET Q q 0 0 0 rg BT 434.76 598.10 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 473.11 598.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 506.73 598.10 Td (and ) 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 (Banking. ) Tj ET Q q 0 0 0 rg BT 89.11 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.83 586.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 110.10 586.10 Td (chief ) Tj ET Q q 0 0 0 rg BT 132.81 586.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 173.30 586.10 Td (decision-makers ) Tj ET Q q 0 0 0 rg BT 241.55 586.10 Td (use ) Tj ET Q q 0 0 0 rg BT 257.60 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 295.31 586.10 Td (information ) Tj ET Q q 0 0 0 rg BT 345.24 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 367.40 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.45 586.10 Td (three ) Tj ET Q q 0 0 0 rg BT 406.16 586.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 449.42 586.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 489.36 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 499.86 586.10 Td (make ) Tj ET Q q 0 0 0 rg BT 524.23 586.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.80 574.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 101.03 574.10 Td (decisions. ) Tj ET Q q 0 0 0 rg BT 142.10 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 143.46 574.10 Td (For ) Tj ET Q q 0 0 0 rg BT 158.71 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 195.04 574.10 Td (information ) Tj ET Q q 0 0 0 rg BT 243.61 574.10 Td (about ) Tj ET Q q 0 0 0 rg BT 267.19 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 281.88 574.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 323.76 574.10 Td (segments, ) Tj ET Q q 0 0 0 rg BT 364.84 574.10 Td (see ) Tj ET Q q 0 0 0 rg BT 378.96 574.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 399.76 574.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 411.12 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.81 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.38 574.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 456.85 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.98 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 480.67 574.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 511.46 574.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 562.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 132.19 562.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 173.56 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 183.84 562.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 204.67 562.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 212.17 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.00 562.10 Td (this ) Tj ET Q q 0 0 0 rg BT 239.95 562.10 Td (report.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.63 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 90.83 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 92.88 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 101.52 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 108.16 538.10 Td (concentrate ) Tj ET Q q 0 0 0 rg BT 156.44 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 168.64 538.10 Td (serving ) Tj ET Q q 0 0 0 rg BT 200.28 538.10 Td (small ) Tj ET Q q 0 0 0 rg BT 224.15 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.79 538.10 Td (middle ) Tj ET Q q 0 0 0 rg BT 270.76 538.10 Td (market ) Tj ET Q q 0 0 0 rg BT 300.73 538.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 345.15 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.79 538.10 Td (their ) Tj ET Q q 0 0 0 rg BT 382.32 538.10 Td (owners. ) Tj ET Q q 0 0 0 rg BT 415.91 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.95 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 426.59 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 433.23 538.10 Td (also ) Tj ET Q q 0 0 0 rg BT 451.54 538.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 475.40 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 487.60 538.10 Td (serving ) Tj ET Q q 0 0 0 rg BT 519.24 538.10 Td (consumers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (who ) Tj ET Q q 0 0 0 rg BT 69.13 526.10 Td (live ) Tj ET Q q 0 0 0 rg BT 86.03 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 96.26 526.10 Td (work ) Tj ET Q q 0 0 0 rg BT 118.72 526.10 Td (near ) Tj ET Q q 0 0 0 rg BT 137.83 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 153.06 526.10 Td (branches. ) Tj ET Q q 0 0 0 rg BT 193.00 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 194.77 526.10 Td (W) Tj ET Q q 0 0 0 rg BT 203.41 526.10 Td (e ) Tj ET Q q 0 0 0 rg BT 209.75 526.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 241.08 526.10 Td (four ) Tj ET Q q 0 0 0 rg BT 259.64 526.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 293.20 526.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 313.99 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.23 526.10 Td (business ) Tj ET Q q 0 0 0 rg BT 360.02 526.10 Td (within ) Tj ET Q q 0 0 0 rg BT 387.48 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 402.72 526.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 438.51 526.10 Td (Segment: ) Tj ET Q q 0 0 0 rg BT 478.19 526.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 527.29 526.10 Td (banking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.49 514.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 109.70 514.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 132.74 514.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 169.96 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.90 514.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 216.05 514.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 272.14 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.64 514.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 297.13 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 306.30 514.10 Td (described ) Tj ET Q q 0 0 0 rg BT 347.11 514.10 Td (below) Tj ET Q q 0 0 0 rg BT 370.90 514.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 84.07 490.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 102.92 490.10 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.74 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.09 490.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 198.36 490.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 234.43 490.10 Td (focuses ) Tj ET Q q 0 0 0 rg BT 268.27 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 282.11 490.10 Td (serving ) Tj ET Q q 0 0 0 rg BT 315.40 490.10 Td (middle ) Tj ET Q q 0 0 0 rg BT 347.02 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 378.63 490.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 427.20 490.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 468.26 490.10 Td (located ) Tj ET Q q 0 0 0 rg BT 500.98 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 512.61 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.67 490.10 Td (Chicago ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (metropolitan, ) Tj ET Q q 0 0 0 rg BT 106.48 478.10 Td (southwest ) Tj ET Q q 0 0 0 rg BT 149.16 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 158.20 478.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 193.86 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.19 478.10 Td (northeast ) Tj ET Q q 0 0 0 rg BT 250.73 478.10 Td (Indiana ) Tj ET Q q 0 0 0 rg BT 283.60 478.10 Td (areas. ) Tj ET Q q 0 0 0 rg BT 309.52 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 312.20 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 320.84 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 328.16 478.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 361.59 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 368.92 478.10 Td (full ) Tj ET Q q 0 0 0 rg BT 385.69 478.10 Td (set ) Tj ET Q q 0 0 0 rg BT 399.69 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.90 478.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 439.05 478.10 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 473.32 478.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 508.42 478.10 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.49 466.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 114.48 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.75 466.10 Td (international ) Tj ET Q q 0 0 0 rg BT 183.12 466.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 217.17 466.10 Td (products ) Tj ET Q q 0 0 0 rg BT 253.45 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.06 466.10 Td (these ) Tj ET Q q 0 0 0 rg BT 285.44 466.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 332.54 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 334.38 466.10 Td (In ) Tj ET Q q 0 0 0 rg BT 344.54 466.10 Td (general, ) Tj ET Q q 0 0 0 rg BT 378.30 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 393.46 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 418.06 466.10 Td (products ) Tj ET Q q 0 0 0 rg BT 454.34 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 468.38 466.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 505.76 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 519.25 466.10 Td (companies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 71.09 454.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 101.05 454.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 139.90 454.10 Td (between ) Tj ET Q q 0 0 0 rg BT 176.52 454.10 Td ($3 ) Tj ET Q q 0 0 0 rg BT 189.83 454.10 Td (million ) Tj ET Q q 0 0 0 rg BT 222.04 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.78 454.10 Td ($500 ) Tj ET Q q 0 0 0 rg BT 263.09 454.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 297.79 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.86 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 309.50 454.10 Td (e ) Tj ET Q q 0 0 0 rg BT 317.25 454.10 Td (have ) Tj ET Q q 0 0 0 rg BT 339.44 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 347.18 454.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 373.26 454.10 Td (range ) Tj ET Q q 0 0 0 rg BT 398.78 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.42 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 436.49 454.10 Td (products ) Tj ET Q q 0 0 0 rg BT 474.24 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 489.21 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 505.85 454.10 Td (tar) Tj ET Q q 0 0 0 rg BT 516.22 454.10 Td (get ) Tj ET Q q 0 0 0 rg BT 531.74 454.10 Td (market, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.18 442.10 Td (working ) Tj ET Q q 0 0 0 rg BT 125.91 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 154.97 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.48 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.32 442.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 216.61 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.34 442.10 Td (credit; ) Tj ET Q q 0 0 0 rg BT 255.29 442.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 292.68 442.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 336.16 442.10 Td (financing; ) Tj ET Q q 0 0 0 rg BT 379.11 442.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 419.84 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.68 442.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 481.29 442.10 Td (financing; ) Tj ET Q q 0 0 0 rg BT 524.24 442.10 Td (industrial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 84.78 430.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 107.91 430.10 Td (financing; ) Tj ET Q q 0 0 0 rg BT 151.58 430.10 Td (ESOP) Tj ET Q q 0 0 0 rg BT 175.66 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.79 430.10 Td (financing; ) Tj ET Q q 0 0 0 rg BT 222.46 430.10 Td (business ) Tj ET Q q 0 0 0 rg BT 259.48 430.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 306.49 430.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 333.51 430.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 361.63 430.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 400.85 430.10 Td (real ) Tj ET Q q 0 0 0 rg BT 418.97 430.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 444.86 430.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 471.88 430.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 520.55 430.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 547.56 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (financial, ) Tj ET Q q 0 0 0 rg BT 88.98 418.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 141.01 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.95 418.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 205.65 418.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 231.59 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.42 418.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 268.19 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.69 418.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 286.74 418.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 317.13 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.08 418.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 366.79 418.10 Td (management ) Tj ET Q q 0 0 0 rg BT 419.38 418.10 Td (products ) Tj ET Q q 0 0 0 rg BT 455.32 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 469.03 418.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 506.08 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 519.24 418.10 Td (companies ) 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 69.56 406.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 97.99 406.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 135.30 406.10 Td (up ) Tj ET Q q 0 0 0 rg BT 147.08 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.64 406.10 Td ($500 ) Tj ET Q q 0 0 0 rg BT 178.41 406.10 Td (million ) Tj ET Q q 0 0 0 rg BT 209.08 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.30 406.10 Td (include ) Tj ET Q q 0 0 0 rg BT 256.51 406.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 288.83 406.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 322.82 406.10 Td (products, ) Tj ET Q q 0 0 0 rg BT 361.54 406.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 407.20 406.10 Td (sweep ) Tj ET Q q 0 0 0 rg BT 433.96 406.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 473.23 406.10 Td (zero ) Tj ET Q q 0 0 0 rg BT 492.21 406.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 524.52 406.10 Td (accounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (automated ) Tj ET Q q 0 0 0 rg BT 93.52 394.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 107.60 394.10 Td (payments, ) Tj ET Q q 0 0 0 rg BT 149.88 394.10 Td (A) Tj ET Q q 0 0 0 rg BT 155.99 394.10 Td (TM ) Tj ET Q q 0 0 0 rg BT 172.85 394.10 Td (access, ) Tj ET Q q 0 0 0 rg BT 202.76 394.10 Td (telephone ) Tj ET Q q 0 0 0 rg BT 243.49 394.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 280.08 394.10 Td (lockbox, ) Tj ET Q q 0 0 0 rg BT 316.66 394.10 Td (automated ) Tj ET Q q 0 0 0 rg BT 360.17 394.10 Td (clearing ) Tj ET Q q 0 0 0 rg BT 394.24 394.10 Td (house ) Tj ET Q q 0 0 0 rg BT 419.44 394.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 471.57 394.10 Td (account ) Tj ET Q q 0 0 0 rg BT 504.52 394.10 Td (reconciliation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 93.72 382.10 Td (disbursement, ) Tj ET Q q 0 0 0 rg BT 152.73 382.10 Td (detail ) Tj ET Q q 0 0 0 rg BT 178.13 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 195.75 382.10 Td (general ) Tj ET Q q 0 0 0 rg BT 228.35 382.10 Td (information ) Tj ET Q q 0 0 0 rg BT 278.75 382.10 Td (reporting, ) Tj ET Q q 0 0 0 rg BT 321.09 382.10 Td (wire ) Tj ET Q q 0 0 0 rg BT 342.04 382.10 Td (transfers, ) Tj ET Q q 0 0 0 rg BT 382.15 382.10 Td (vault ) Tj ET Q q 0 0 0 rg BT 405.33 382.10 Td (services ) Tj ET Q q 0 0 0 rg BT 440.72 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 455.56 382.10 Td (currency ) Tj ET Q q 0 0 0 rg BT 493.72 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.34 382.10 Td (coin, ) Tj ET Q q 0 0 0 rg BT 534.24 382.10 Td (remote ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.53 370.10 Td (capture ) Tj ET Q q 0 0 0 rg BT 113.60 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.68 370.10 Td (checking ) Tj ET Q q 0 0 0 rg BT 169.42 370.10 Td (accounts. ) Tj ET Q q 0 0 0 rg BT 209.55 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.19 370.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 230.39 370.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 259.68 370.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 293.98 370.10 Td (products ) Tj ET Q q 0 0 0 rg BT 331.06 370.10 Td (include ) Tj ET Q q 0 0 0 rg BT 363.14 370.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 409.66 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.74 370.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 458.82 370.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 476.45 370.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 494.09 370.10 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 535.35 370.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (solutions, ) Tj ET Q q 0 0 0 rg BT 90.87 358.10 Td (mer) Tj ET Q q 0 0 0 rg BT 106.24 358.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 121.25 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.94 358.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 184.08 358.10 Td (advisory) Tj ET Q q 0 0 0 rg BT 217.87 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 222.62 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.31 358.10 Td (real ) Tj ET Q q 0 0 0 rg BT 256.54 358.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 281.56 358.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 301.03 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.71 358.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 344.96 358.10 Td (placement. ) Tj ET Q q 0 0 0 rg BT 390.80 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 393.05 358.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 410.85 358.10 Td (international ) Tj ET Q q 0 0 0 rg BT 463.64 358.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 498.11 358.10 Td (services ) Tj ET Q q 0 0 0 rg BT 532.57 358.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 72.34 346.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 109.40 346.10 Td (export ) Tj ET Q q 0 0 0 rg BT 137.30 346.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 159.64 346.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 193.92 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.71 346.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 241.94 346.10 Td (exchange. ) Tj ET Q q 0 0 0 rg BT 284.55 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.73 346.10 Td (W) Tj ET Q q 0 0 0 rg BT 295.37 346.10 Td (e ) Tj ET Q q 0 0 0 rg BT 302.16 346.10 Td (also ) Tj ET Q q 0 0 0 rg BT 320.62 346.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 353.52 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 360.31 346.10 Td (full ) Tj ET Q q 0 0 0 rg BT 376.55 346.10 Td (set ) Tj ET Q q 0 0 0 rg BT 390.02 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.70 346.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 428.32 346.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 459.56 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.35 346.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 510.91 346.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (services ) Tj ET Q q 0 0 0 rg BT 84.71 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 98.87 334.10 Td (real ) Tj ET Q q 0 0 0 rg BT 116.35 334.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 141.62 334.10 Td (operators ) Tj ET Q q 0 0 0 rg BT 181.32 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.26 334.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 239.37 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.87 334.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 267.15 334.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 301.86 334.10 Td (management ) Tj ET Q q 0 0 0 rg BT 355.44 334.10 Td (services ) Tj ET Q q 0 0 0 rg BT 390.15 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.86 334.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 442.91 334.10 Td (nationwide.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 75.41 310.10 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.23 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.31 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.39 310.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 140.78 310.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 175.07 310.10 Td (of) Tj ET Q q 0 0 0 rg BT 183.22 310.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 200.29 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 223.47 310.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 253.32 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.18 310.10 Td (those ) Tj ET Q q 0 0 0 rg BT 286.36 310.10 Td (of) Tj ET Q q 0 0 0 rg BT 294.51 310.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 317.13 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 326.98 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.27 310.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 390.55 310.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 424.84 310.10 Td (business ) Tj ET Q q 0 0 0 rg BT 460.81 310.10 Td (line ) Tj ET Q q 0 0 0 rg BT 477.88 310.10 Td (but ) Tj ET Q q 0 0 0 rg BT 492.74 310.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 519.80 310.10 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 80.34 298.10 Td (located ) Tj ET Q q 0 0 0 rg BT 112.33 298.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 159.34 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.68 298.10 Td (United ) Tj ET Q q 0 0 0 rg BT 205.01 298.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 234.52 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 237.42 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 246.05 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 253.61 298.10 Td (have ) Tj ET Q q 0 0 0 rg BT 275.61 298.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 314.28 298.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 349.61 298.10 Td (services ) Tj ET Q q 0 0 0 rg BT 384.94 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 395.84 298.10 Td (this ) Tj ET Q q 0 0 0 rg BT 413.41 298.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 449.31 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.09 298.10 Td (more ) Tj ET Q q 0 0 0 rg BT 487.75 298.10 Td (than ) Tj ET Q q 0 0 0 rg BT 508.09 298.10 Td (four ) Tj ET Q q 0 0 0 rg BT 527.87 298.10 Td (decades. ) Tj ET Q q 0 0 0 rg BT 564.52 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Competition ) Tj ET Q q 0 0 0 rg BT 102.54 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 112.85 286.10 Td (serving ) Tj ET Q q 0 0 0 rg BT 144.83 286.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 189.58 286.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 219.34 286.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 259.08 286.10 Td (comes ) Tj ET Q q 0 0 0 rg BT 287.17 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 309.14 286.10 Td (lar) Tj ET Q q 0 0 0 rg BT 319.51 286.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 331.49 286.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 359.85 286.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 391.82 286.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 439.62 286.10 Td (lar) Tj ET Q q 0 0 0 rg BT 449.98 286.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 461.96 286.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 502.27 286.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 547.57 286.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (some ) Tj ET Q q 0 0 0 rg BT 74.29 274.10 Td (community ) Tj ET Q q 0 0 0 rg BT 123.02 274.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 152.02 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 154.97 274.10 Td (W) Tj ET Q q 0 0 0 rg BT 163.61 274.10 Td (e ) Tj ET Q q 0 0 0 rg BT 171.23 274.10 Td (compete ) Tj ET Q q 0 0 0 rg BT 208.27 274.10 Td (based ) Tj ET Q q 0 0 0 rg BT 234.22 274.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 257.40 274.10 Td (rapid ) Tj ET Q q 0 0 0 rg BT 281.12 274.10 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 350.95 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.57 274.10 Td (elite ) Tj ET Q q 0 0 0 rg BT 388.96 274.10 Td (service ) Tj ET Q q 0 0 0 rg BT 420.45 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.07 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 451.24 274.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 493.31 274.10 Td (flexible ) Tj ET Q q 0 0 0 rg BT 527.03 274.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 88.75 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.17 262.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 121.24 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 137.20 262.10 Td (customers' ) Tj ET Q q 0 0 0 rg BT 182.19 262.10 Td (needs. ) Tj ET Q q 0 0 0 rg BT 210.09 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 212.54 262.10 Td (W) Tj ET Q q 0 0 0 rg BT 221.17 262.10 Td (e ) Tj ET Q q 0 0 0 rg BT 228.25 262.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 261.43 262.10 Td (full ) Tj ET Q q 0 0 0 rg BT 277.95 262.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 312.81 262.10 Td (services ) Tj ET Q q 0 0 0 rg BT 347.65 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.06 262.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 389.02 262.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 434.42 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 447.06 262.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 487.46 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 502.31 262.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 522.16 262.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 553.69 262.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 90.58 250.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 134.50 250.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 160.09 250.10 Td (\(referred ) Tj ET Q q 0 0 0 rg BT 196.77 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.26 250.10 Td (as ) Tj ET Q q 0 0 0 rg BT 216.30 250.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 238.00 250.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 266.65 250.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 307.25 250.10 Td (short ) Tj ET Q q 0 0 0 rg BT 328.96 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.12 250.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 386.26 250.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 412.97 250.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 452.45 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.60 250.10 Td (making ) Tj ET Q q 0 0 0 rg BT 500.31 250.10 Td (working ) Tj ET Q q 0 0 0 rg BT 535.35 250.10 Td (capital ) 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 66.99 238.10 Td (bridge ) Tj ET Q q 0 0 0 rg BT 95.10 238.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 121.26 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.82 238.10 Td (For ) Tj ET Q q 0 0 0 rg BT 140.27 238.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 162.81 238.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 188.97 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 195.97 238.10 Td (lessee's ) Tj ET Q q 0 0 0 rg BT 228.09 238.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 253.41 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 262.64 238.10 Td (often ) Tj ET Q q 0 0 0 rg BT 285.74 238.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 308.28 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 319.17 238.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 365.61 238.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 390.37 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 404.59 238.10 Td (its ) Tj ET Q q 0 0 0 rg BT 416.59 238.10 Td (public ) Tj ET Q q 0 0 0 rg BT 444.14 238.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 463.92 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 476.47 238.10 Td (Moody's, ) Tj ET Q q 0 0 0 rg BT 516.11 238.10 Td (Standard ) Tj ET Q q 0 0 0 rg BT 554.22 238.10 Td (& ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Poors ) Tj ET Q q 0 0 0 rg BT 75.41 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.36 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.20 226.10 Td (equivalent. ) Tj ET Q q 0 0 0 rg BT 147.97 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.40 226.10 Td (Whether ) Tj ET Q q 0 0 0 rg BT 187.45 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 198.40 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 213.80 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 220.86 226.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 247.36 226.10 Td (has ) Tj ET Q q 0 0 0 rg BT 263.31 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 270.37 226.10 Td (public ) Tj ET Q q 0 0 0 rg BT 297.99 226.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 317.83 226.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 346.28 226.10 Td (they ) Tj ET Q q 0 0 0 rg BT 366.11 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 380.94 226.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 411.89 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.29 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.13 226.10 Td (same ) Tj ET Q q 0 0 0 rg BT 460.30 226.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 493.46 226.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 518.85 226.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 553.69 226.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (any ) Tj ET Q q 0 0 0 rg BT 65.99 214.10 Td (other ) Tj ET Q q 0 0 0 rg BT 88.08 214.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 126.28 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.16 214.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 153.27 214.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 192.03 214.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 217.18 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.73 214.10 Td (Lessees ) Tj ET Q q 0 0 0 rg BT 251.37 214.10 Td (mostly ) Tj ET Q q 0 0 0 rg BT 280.15 214.10 Td (include ) Tj ET Q q 0 0 0 rg BT 311.13 214.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 356.56 214.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 380.31 214.10 Td (Fortune ) Tj ET Q q 0 0 0 rg BT 417.40 214.10 Td (1000 ) Tj ET Q q 0 0 0 rg BT 443.39 214.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 487.70 214.10 Td (located ) Tj ET Q q 0 0 0 rg BT 518.12 214.10 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 202.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 85.00 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.94 202.10 Td (lar) Tj ET Q q 0 0 0 rg BT 112.30 202.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 124.24 202.10 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 185.61 202.10 Td (companies.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 75.99 178.10 Td (Banking.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.81 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.91 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.02 178.10 Td (Retail ) Tj ET Q q 0 0 0 rg BT 142.00 178.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 176.32 178.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.76 178.10 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.76 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.86 178.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 238.18 178.10 Td (of) Tj ET Q q 0 0 0 rg BT 246.33 178.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 267.31 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.85 178.10 Td (138 ) Tj ET Q q 0 0 0 rg BT 300.49 178.10 Td (A) Tj ET Q q 0 0 0 rg BT 306.60 178.10 Td (TMs ) Tj ET Q q 0 0 0 rg BT 327.60 178.10 Td (located ) Tj ET Q q 0 0 0 rg BT 358.58 178.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 404.57 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.89 178.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 454.31 178.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 507.52 178.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 528.77 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 530.72 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 539.35 178.10 Td (e ) Tj ET Q q 0 0 0 rg BT 545.90 178.10 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 70.58 166.10 Td (one ) Tj ET Q q 0 0 0 rg BT 86.72 166.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 115.62 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 125.10 166.10 Td (Philadelphia, ) Tj ET Q q 0 0 0 rg BT 179.29 166.10 Td (Pennsylvania. ) Tj ET Q q 0 0 0 rg BT 236.82 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.52 166.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 255.77 166.10 Td (tar) Tj ET Q q 0 0 0 rg BT 266.14 166.10 Td (get ) Tj ET Q q 0 0 0 rg BT 280.06 166.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 322.30 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 336.21 166.10 Td (small ) Tj ET Q q 0 0 0 rg BT 359.58 166.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 403.50 166.10 Td (\(with ) Tj ET Q q 0 0 0 rg BT 426.31 166.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 454.67 166.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 491.90 166.10 Td (up ) Tj ET Q q 0 0 0 rg BT 503.60 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.08 166.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 529.78 166.10 Td (million\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (located ) Tj ET Q q 0 0 0 rg BT 81.60 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.10 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 108.16 154.10 Td (market ) Tj ET Q q 0 0 0 rg BT 138.65 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 155.81 154.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 201.31 154.10 Td (who ) Tj ET Q q 0 0 0 rg BT 221.26 154.10 Td (live ) Tj ET Q q 0 0 0 rg BT 238.98 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.14 154.10 Td (work ) Tj ET Q q 0 0 0 rg BT 279.42 154.10 Td (near ) Tj ET Q q 0 0 0 rg BT 299.35 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 315.41 154.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 350.35 154.10 Td (centers. ) Tj ET Q q 0 0 0 rg BT 383.89 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.42 154.10 Td (W) Tj ET Q q 0 0 0 rg BT 395.06 154.10 Td (e ) Tj ET Q q 0 0 0 rg BT 402.22 154.10 Td (of) Tj ET Q q 0 0 0 rg BT 410.37 154.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 424.20 154.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.25 154.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 463.52 154.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 498.46 154.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 544.24 154.10 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (business ) Tj ET Q q 0 0 0 rg BT 85.69 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.94 142.10 Td (consumer) Tj ET Q q 0 0 0 rg BT 140.41 142.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.72 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 150.96 142.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 180.52 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 190.66 142.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 221.35 142.10 Td (products ) Tj ET Q q 0 0 0 rg BT 257.59 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.83 142.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 310.34 142.10 Td (such ) Tj ET Q q 0 0 0 rg BT 330.48 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 340.61 142.10 Td (checking, ) Tj ET Q q 0 0 0 rg BT 381.01 142.10 Td (savings, ) Tj ET Q q 0 0 0 rg BT 415.31 142.10 Td (money ) Tj ET Q q 0 0 0 rg BT 444.33 142.10 Td (market, ) Tj ET Q q 0 0 0 rg BT 476.40 142.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 500.10 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 501.90 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.14 142.10 Td (certificates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.06 130.10 Td (deposit. ) Tj ET Q q 0 0 0 rg BT 95.17 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.90 130.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 116.18 130.10 Td (products ) Tj ET Q q 0 0 0 rg BT 153.34 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 168.28 130.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 206.55 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 217.06 130.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 239.22 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.16 130.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 279.66 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.71 130.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 333.99 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.04 130.10 Td (all ) Tj ET Q q 0 0 0 rg BT 357.77 130.10 Td (ages ) Tj ET Q q 0 0 0 rg BT 378.26 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.43 130.10 Td (lifestyles. ) Tj ET Q q 0 0 0 rg BT 436.76 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.48 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 442.21 130.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 460.49 130.10 Td (services ) Tj ET Q q 0 0 0 rg BT 495.42 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 510.36 130.10 Td (conveniently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (delivered ) Tj ET Q q 0 0 0 rg BT 89.70 118.10 Td (through ) Tj ET Q q 0 0 0 rg BT 123.30 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 139.13 118.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 168.83 118.10 Td (network, ) Tj ET Q q 0 0 0 rg BT 206.60 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 217.43 118.10 Td (well ) Tj ET Q q 0 0 0 rg BT 237.14 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 247.97 118.10 Td (through ) Tj ET Q q 0 0 0 rg BT 281.57 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 297.40 118.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 339.31 118.10 Td (channels, ) Tj ET Q q 0 0 0 rg BT 379.29 118.10 Td (internet ) Tj ET Q q 0 0 0 rg BT 412.33 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.27 118.10 Td (mobile ) Tj ET Q q 0 0 0 rg BT 459.54 118.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 496.75 118.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 538.14 118.10 Td (added ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (access ) Tj ET Q q 0 0 0 rg BT 78.04 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 92.20 106.10 Td (all ) Tj ET Q q 0 0 0 rg BT 104.69 106.10 Td (clients.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 82.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.55 82.10 Td (business ) Tj ET Q q 0 0 0 rg BT 139.43 82.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 173.64 82.10 Td (division ) Tj ET Q q 0 0 0 rg BT 207.87 82.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 248.19 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.96 82.10 Td (grow) Tj ET Q q 0 0 0 rg BT 277.86 82.10 Td (. ) Tj ET Q q 0 0 0 rg BT 282.35 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 284.21 82.10 Td (This ) Tj ET Q q 0 0 0 rg BT 303.98 82.10 Td (division ) Tj ET Q q 0 0 0 rg BT 338.20 82.10 Td (of) Tj ET Q q 0 0 0 rg BT 346.35 82.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 363.33 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.55 82.10 Td (expertise ) Tj ET Q q 0 0 0 rg BT 415.63 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.96 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 432.39 82.10 Td (business ) Tj ET Q q 0 0 0 rg BT 468.28 82.10 Td (banker ) Tj ET Q q 0 0 0 rg BT 497.48 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.91 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.12 82.10 Td (personal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 87.88 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.09 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.42 70.10 Td (local ) Tj ET Q q 0 0 0 rg BT 128.74 70.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 158.84 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.50 70.10 Td (small ) Tj ET Q q 0 0 0 rg BT 194.05 70.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 239.16 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.83 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 266.04 70.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 299.20 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.87 70.10 Td (These ) Tj ET Q q 0 0 0 rg BT 328.64 70.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 373.75 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 388.84 70.10 Td (af) Tj ET Q q 0 0 0 rg BT 396.43 70.10 Td (forded ) Tj ET Q q 0 0 0 rg BT 425.42 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.52 70.10 Td (same ) Tj ET Q q 0 0 0 rg BT 463.95 70.10 Td (services ) Tj ET Q q 0 0 0 rg BT 499.05 70.10 Td (available ) Tj ET Q q 0 0 0 rg BT 538.02 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.69 70.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (lar) Tj ET Q q 0 0 0 rg BT 60.37 58.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 76.71 58.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 127.49 58.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 174.11 58.10 Td (customized ) Tj ET Q q 0 0 0 rg BT 223.23 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.59 58.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 257.60 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.40 58.10 Td (unique ) Tj ET Q q 0 0 0 rg BT 304.19 58.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 330.54 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.45 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.35 58.10 Td (entrepreneurial ) Tj ET Q q 0 0 0 rg BT 423.45 58.10 Td (clients. ) Tj ET Q q 0 0 0 rg BT 455.37 58.10 Td (W) Tj ET Q q 0 0 0 rg BT 464.01 58.10 Td (e ) Tj ET Q q 0 0 0 rg BT 472.03 58.10 Td (of) Tj ET Q q 0 0 0 rg BT 480.18 58.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 494.85 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 502.87 58.10 Td (small ) Tj ET Q q 0 0 0 rg BT 528.11 58.10 Td (business ) Tj ET Q endstream endobj 15 0 obj <> endobj 16 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 90.38 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 115.77 742.10 Td (card, ) Tj ET Q q 0 0 0 rg BT 138.10 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 149.06 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 168.90 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 179.86 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 186.92 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 236.75 742.10 Td (multi-card ) Tj ET Q q 0 0 0 rg BT 281.02 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 308.09 742.10 Td (serves ) Tj ET Q q 0 0 0 rg BT 335.70 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 346.66 742.10 Td (both ) Tj ET Q q 0 0 0 rg BT 367.06 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 374.13 742.10 Td (travel ) Tj ET Q q 0 0 0 rg BT 399.52 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.58 742.10 Td (entertainment ) Tj ET Q q 0 0 0 rg BT 474.18 742.10 Td (card ) Tj ET Q q 0 0 0 rg BT 494.02 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.08 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 518.14 742.10 Td (purchasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (card ) Tj ET Q q 0 0 0 rg BT 69.71 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.87 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 99.70 730.10 Td (lar) Tj ET Q q 0 0 0 rg BT 110.06 730.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 125.33 730.10 Td (business ) Tj ET Q q 0 0 0 rg BT 161.72 730.10 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 706.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 104.34 706.10 Td (cards ) Tj ET Q q 0 0 0 rg BT 128.23 706.10 Td (division, ) Tj ET Q q 0 0 0 rg BT 165.75 706.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 184.11 706.10 Td (Payment ) Tj ET Q q 0 0 0 rg BT 221.89 706.10 Td (Solutions, ) Tj ET Q q 0 0 0 rg BT 264.97 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 273.12 706.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 290.91 706.10 Td (general ) Tj ET Q q 0 0 0 rg BT 323.12 706.10 Td (reloadable ) Tj ET Q q 0 0 0 rg BT 367.55 706.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 400.33 706.10 Td (cards, ) Tj ET Q q 0 0 0 rg BT 426.72 706.10 Td (payroll ) Tj ET Q q 0 0 0 rg BT 457.84 706.10 Td (cards, ) Tj ET Q q 0 0 0 rg BT 484.23 706.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 523.67 706.10 Td (cards ) Tj ET Q q 0 0 0 rg BT 547.56 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (gift ) Tj ET Q q 0 0 0 rg BT 66.53 694.10 Td (cards. ) Tj ET Q q 0 0 0 rg BT 92.78 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.24 694.10 Td (These ) Tj ET Q q 0 0 0 rg BT 121.76 694.10 Td (products ) Tj ET Q q 0 0 0 rg BT 158.85 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 173.70 694.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 212.45 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.87 694.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 257.19 694.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 300.38 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.47 694.10 Td (of) Tj ET Q q 0 0 0 rg BT 325.62 694.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 348.80 694.10 Td (nationally ) Tj ET Q q 0 0 0 rg BT 391.44 694.10 Td (\(through ) Tj ET Q q 0 0 0 rg BT 428.53 694.10 Td (sponsorship ) Tj ET Q q 0 0 0 rg BT 478.96 694.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 519.37 694.10 Td (where ) Tj ET Q q 0 0 0 rg BT 546.45 694.10 Td (MB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.71 682.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 113.32 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.49 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.21 682.10 Td (issuing ) Tj ET Q q 0 0 0 rg BT 168.05 682.10 Td (bank\) ) Tj ET Q q 0 0 0 rg BT 193.32 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 203.59 682.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 248.86 682.10 Td (needing ) Tj ET Q q 0 0 0 rg BT 283.01 682.10 Td (card ) Tj ET Q q 0 0 0 rg BT 302.72 682.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 339.65 682.10 Td (solutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 57.41 658.10 Td (ealth ) Tj ET Q q 0 0 0 rg BT 81.72 658.10 Td (Management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.43 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 143.25 658.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 163.12 658.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 194.09 658.10 Td (management ) Tj ET Q q 0 0 0 rg BT 249.49 658.10 Td (group ) Tj ET Q q 0 0 0 rg BT 277.14 658.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 315.89 658.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 380.74 658.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 411.71 658.10 Td (management ) Tj ET Q q 0 0 0 rg BT 467.12 658.10 Td (solutions. ) Tj ET Q q 0 0 0 rg BT 510.05 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.06 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 522.70 658.10 Td (e ) Tj ET Q q 0 0 0 rg BT 531.45 658.10 Td (provide ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.49 646.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 152.68 646.10 Td (private ) Tj ET Q q 0 0 0 rg BT 183.05 646.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 217.88 646.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 255.19 646.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 292.78 646.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 330.38 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.42 646.10 Td (wealth ) Tj ET Q q 0 0 0 rg BT 376.69 646.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 413.73 646.10 Td (services ) Tj ET Q q 0 0 0 rg BT 448.54 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.93 646.10 Td (business ) Tj ET Q q 0 0 0 rg BT 495.43 646.10 Td (owners, ) Tj ET Q q 0 0 0 rg BT 529.42 646.10 Td (high ) Tj ET Q q 0 0 0 rg BT 549.80 646.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 76.30 634.10 Td (individuals, ) Tj ET Q q 0 0 0 rg BT 126.21 634.10 Td (foundations, ) Tj ET Q q 0 0 0 rg BT 178.90 634.10 Td (endowments ) Tj ET Q q 0 0 0 rg BT 232.41 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.82 634.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 292.78 634.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 332.67 634.10 Td (through ) Tj ET Q q 0 0 0 rg BT 366.75 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.05 634.10 Td (private ) Tj ET Q q 0 0 0 rg BT 413.78 634.10 Td (bankers, ) Tj ET Q q 0 0 0 rg BT 450.35 634.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 472.75 634.10 Td (management ) Tj ET Q q 0 0 0 rg BT 526.81 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.22 634.10 Td (trust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (advisors, ) Tj ET Q q 0 0 0 rg BT 88.62 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 99.73 622.10 Td (well ) Tj ET Q q 0 0 0 rg BT 119.74 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 130.86 622.10 Td (through ) Tj ET Q q 0 0 0 rg BT 164.75 622.10 Td (Cedar ) Tj ET Q q 0 0 0 rg BT 191.42 622.10 Td (Hill ) Tj ET Q q 0 0 0 rg BT 209.76 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.98 622.10 Td (Cambium, ) Tj ET Q q 0 0 0 rg BT 271.71 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 287.83 622.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 330.04 622.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 376.71 622.10 Td (advisors ) Tj ET Q q 0 0 0 rg BT 412.83 622.10 Td (focused ) Tj ET Q q 0 0 0 rg BT 446.71 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 459.50 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.51 622.10 Td (high ) Tj ET Q q 0 0 0 rg BT 495.07 622.10 Td (net ) Tj ET Q q 0 0 0 rg BT 510.08 622.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 536.19 622.10 Td (sector) Tj ET Q q 0 0 0 rg BT 559.52 622.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.52 622.10 Td ( ) 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 61.25 610.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.44 610.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 136.23 610.10 Td (trust, ) Tj ET Q q 0 0 0 rg BT 159.43 610.10 Td (custody) Tj ET Q q 0 0 0 rg BT 189.89 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 195.31 610.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 220.99 610.10 Td (settlement, ) Tj ET Q q 0 0 0 rg BT 267.50 610.10 Td (guardianship ) Tj ET Q q 0 0 0 rg BT 322.08 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.43 610.10 Td (retirement ) Tj ET Q q 0 0 0 rg BT 383.44 610.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 403.57 610.10 Td (services ) Tj ET Q q 0 0 0 rg BT 438.70 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 453.82 610.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 492.29 610.10 Td (through ) Tj ET Q q 0 0 0 rg BT 526.31 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 542.56 610.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.98 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.31 598.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 144.97 598.10 Td (advisors. ) Tj ET Q q 0 0 0 rg BT 184.69 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.58 598.10 Td (MainStreet, ) Tj ET Q q 0 0 0 rg BT 239.41 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 256.63 598.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 299.94 598.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 347.71 598.10 Td (advisor ) Tj ET Q q 0 0 0 rg BT 381.04 598.10 Td (focused ) Tj ET Q q 0 0 0 rg BT 416.03 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 429.92 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.02 598.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 497.69 598.10 Td (sector) Tj ET Q q 0 0 0 rg BT 521.17 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.56 598.10 Td (provides ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 586.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 133.32 586.10 Td (solutions ) Tj ET Q q 0 0 0 rg BT 171.94 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.22 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.93 586.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 218.87 586.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 239.15 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.09 586.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 307.46 586.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 327.74 586.10 Td (company ) Tj ET Q q 0 0 0 rg BT 366.89 586.10 Td (markets.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Leasing. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 88.61 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.38 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.14 562.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 128.57 562.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 164.66 562.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 187.41 562.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 237.95 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.16 562.10 Td (related ) Tj ET Q q 0 0 0 rg BT 285.13 562.10 Td (services ) Tj ET Q q 0 0 0 rg BT 320.10 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 328.25 562.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 351.56 562.10 Td (through ) Tj ET Q q 0 0 0 rg BT 385.43 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 401.53 562.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 432.62 562.10 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 485.11 562.10 Td (LaSalle, ) Tj ET Q q 0 0 0 rg BT 520.92 562.10 Td (Celtic ) 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 (MB ) Tj ET Q q 0 0 0 rg BT 67.39 550.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 113.09 550.10 Td (Finance. ) Tj ET Q q 0 0 0 rg BT 149.07 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.76 550.10 Td (W) Tj ET Q q 0 0 0 rg BT 159.40 550.10 Td (e ) Tj ET Q q 0 0 0 rg BT 165.66 550.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 191.37 550.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 223.74 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 233.34 550.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 277.38 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 294.19 550.10 Td (we ) Tj ET Q q 0 0 0 rg BT 307.68 550.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 329.49 550.10 Td (\(referred ) Tj ET Q q 0 0 0 rg BT 366.28 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.88 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.03 550.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 410.62 550.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 444.37 550.10 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 485.05 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 495.21 550.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 534.79 550.10 Td (leases\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 61.13 538.10 Td ("Fortune ) Tj ET Q q 0 0 0 rg BT 99.67 538.10 Td (1000," ) Tj ET Q q 0 0 0 rg BT 129.60 538.10 Td (lar) Tj ET Q q 0 0 0 rg BT 139.97 538.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 152.76 538.10 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 214.98 538.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 261.09 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.88 538.10 Td (healthcare ) Tj ET Q q 0 0 0 rg BT 323.31 538.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 364.43 538.10 Td (located ) Tj ET Q q 0 0 0 rg BT 396.66 538.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 443.89 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.46 538.10 Td (United ) Tj ET Q q 0 0 0 rg BT 490.03 538.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 519.77 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 523.12 538.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 542.02 538.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 88.14 526.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 122.95 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.42 526.10 Td (various ) Tj ET Q q 0 0 0 rg BT 167.00 526.10 Td (kinds ) Tj ET Q q 0 0 0 rg BT 191.81 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.28 526.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 251.13 526.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 291.48 526.10 Td (technology ) Tj ET Q q 0 0 0 rg BT 339.05 526.10 Td (related, ) Tj ET Q q 0 0 0 rg BT 371.89 526.10 Td (such ) Tj ET Q q 0 0 0 rg BT 393.37 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 404.84 526.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 445.74 526.10 Td (systems, ) Tj ET Q q 0 0 0 rg BT 483.05 526.10 Td (satellite ) Tj ET Q q 0 0 0 rg BT 517.29 526.10 Td (equipment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (medical ) Tj ET Q q 0 0 0 rg BT 83.24 514.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 127.04 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.07 514.10 Td (general ) Tj ET Q q 0 0 0 rg BT 174.08 514.10 Td (manufacturing, ) Tj ET Q q 0 0 0 rg BT 236.48 514.10 Td (industrial, ) Tj ET Q q 0 0 0 rg BT 278.34 514.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 329.37 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.40 514.10 Td (transportation ) Tj ET Q q 0 0 0 rg BT 402.53 514.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 448.83 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 450.30 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 458.94 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 464.97 514.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 484.33 514.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 514.24 514.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (where ) Tj ET Q q 0 0 0 rg BT 76.77 502.10 Td (we ) Tj ET Q q 0 0 0 rg BT 90.77 502.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 121.98 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.53 502.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 181.08 502.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 208.41 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 217.42 502.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 250.30 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.42 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.97 502.10 Td (lessee's ) Tj ET Q q 0 0 0 rg BT 306.88 502.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 345.61 502.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 377.93 502.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 421.37 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.92 502.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 478.81 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.48 502.10 Td (renewal ) Tj ET Q q 0 0 0 rg BT 523.47 502.10 Td (at ) Tj ET Q q 0 0 0 rg BT 533.02 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 547.58 502.10 Td (end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.75 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.38 490.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 100.79 490.10 Td (term. ) Tj ET Q q 0 0 0 rg BT 125.03 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.45 490.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 147.42 490.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 179.16 490.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 229.79 490.10 Td (also ) Tj ET Q q 0 0 0 rg BT 249.32 490.10 Td (specialize ) Tj ET Q q 0 0 0 rg BT 292.16 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 303.35 490.10 Td (brokering ) Tj ET Q q 0 0 0 rg BT 345.65 490.10 Td (third ) Tj ET Q q 0 0 0 rg BT 367.95 490.10 Td (party ) Tj ET Q q 0 0 0 rg BT 391.92 490.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 437.55 490.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 491.49 490.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 531.01 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.20 490.10 Td (lar) Tj ET Q q 0 0 0 rg BT 552.57 490.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (companies.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 94.12 454.10 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 135.23 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.71 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 155.73 454.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 197.08 454.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 233.44 454.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 270.91 454.10 Td (conducts ) Tj ET Q q 0 0 0 rg BT 308.94 454.10 Td (business ) Tj ET Q q 0 0 0 rg BT 345.30 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 357.78 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.69 454.10 Td (national ) Tj ET Q q 0 0 0 rg BT 399.38 454.10 Td (level ) Tj ET Q q 0 0 0 rg BT 421.29 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.20 454.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 480.11 454.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 524.24 454.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.86 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 88.27 442.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 106.57 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.11 442.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 155.97 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.16 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 187.57 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.54 442.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 249.87 442.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 287.62 442.10 Td (through ) Tj ET Q q 0 0 0 rg BT 321.48 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 333.68 442.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 356.98 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 374.17 442.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 419.69 442.10 Td (channels, ) Tj ET Q q 0 0 0 rg BT 459.93 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 471.01 442.10 Td (well ) Tj ET Q q 0 0 0 rg BT 490.98 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 502.06 442.10 Td (through ) Tj ET Q q 0 0 0 rg BT 535.92 442.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.01 442.10 Td (95) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 86.10 430.10 Td (area ) Tj ET Q q 0 0 0 rg BT 105.51 430.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 128.82 430.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 163.81 430.10 Td (branches. ) Tj ET Q q 0 0 0 rg BT 204.42 430.10 Td (This ) Tj ET Q q 0 0 0 rg BT 224.96 430.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 261.06 430.10 Td (also ) Tj ET Q q 0 0 0 rg BT 279.94 430.10 Td (services ) Tj ET Q q 0 0 0 rg BT 314.92 430.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 359.34 430.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 399.87 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 423.75 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 438.18 430.10 Td (various ) Tj ET Q q 0 0 0 rg BT 470.39 430.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 509.27 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 526.47 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 540.90 430.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 79.05 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 91.44 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.04 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 147.31 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.14 418.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 192.08 418.10 Td (bulk ) Tj ET Q q 0 0 0 rg BT 212.24 418.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 254.06 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.78 418.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 303.82 418.10 Td (rights. ) Tj ET Q q 0 0 0 rg BT 331.48 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 333.87 418.10 Td (Most ) Tj ET Q q 0 0 0 rg BT 356.82 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.54 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.14 418.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 414.52 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 424.69 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.41 418.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 481.67 418.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 517.94 418.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 555.33 418.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 98.46 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.17 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.31 406.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 165.00 406.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 200.15 406.10 Td (business ) Tj ET Q q 0 0 0 rg BT 236.97 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 251.56 406.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 288.91 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 299.61 406.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 346.41 406.10 Td (with ) Tj ET Q q 0 0 0 rg BT 367.12 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.05 406.10 Td (T) Tj ET Q q 0 0 0 rg BT 387.46 406.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 410.93 406.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 442.74 406.10 Td (mer) Tj ET Q q 0 0 0 rg BT 458.11 406.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 473.80 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.17 406.10 Td (have ) Tj ET Q q 0 0 0 rg BT 512.97 406.10 Td (grown ) Tj ET Q q 0 0 0 rg BT 541.45 406.10 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 394.10 Td (mer) Tj ET Q q 0 0 0 rg BT 82.86 394.10 Td (ger) Tj ET Q q 0 0 0 rg BT 95.08 394.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 87.52 370.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (General) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 84.43 346.10 Td (. ) Tj ET Q q 0 0 0 rg BT 91.93 346.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 109.99 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 129.70 346.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 167.20 346.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 201.37 346.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 241.08 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.91 346.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 275.52 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.80 346.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 330.52 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.35 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 355.51 346.10 Td (business ) Tj ET Q q 0 0 0 rg BT 391.90 346.10 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 87.58 322.10 Td (cial.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.07 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.91 322.10 Td (W) Tj ET Q q 0 0 0 rg BT 119.55 322.10 Td (e ) Tj ET Q q 0 0 0 rg BT 127.58 322.10 Td (make ) Tj ET Q q 0 0 0 rg BT 152.83 322.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 203.63 322.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 228.33 322.10 Td (mainly ) Tj ET Q q 0 0 0 rg BT 259.70 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.08 322.10 Td (middle ) Tj ET Q q 0 0 0 rg BT 302.45 322.10 Td (market ) Tj ET Q q 0 0 0 rg BT 333.81 322.10 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 382.12 322.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 422.92 322.10 Td (located ) Tj ET Q q 0 0 0 rg BT 455.39 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 466.76 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.58 322.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 522.00 322.10 Td (southwest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.04 310.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 95.26 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.13 310.10 Td (northeast ) Tj ET Q q 0 0 0 rg BT 153.23 310.10 Td (Indiana ) Tj ET Q q 0 0 0 rg BT 186.65 310.10 Td (areas. ) Tj ET Q q 0 0 0 rg BT 215.63 310.10 Td (Borrowers ) Tj ET Q q 0 0 0 rg BT 261.28 310.10 Td (tend ) Tj ET Q q 0 0 0 rg BT 281.93 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.15 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 306.03 310.10 Td (privately-owned ) Tj ET Q q 0 0 0 rg BT 375.00 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.88 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 408.52 310.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 449.16 310.10 Td (manufacturers, ) Tj ET Q q 0 0 0 rg BT 512.30 310.10 Td (wholesalers, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (distributors, ) Tj ET Q q 0 0 0 rg BT 100.73 298.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 142.83 298.10 Td (health ) Tj ET Q q 0 0 0 rg BT 169.94 298.10 Td (care ) Tj ET Q q 0 0 0 rg BT 189.26 298.10 Td (operators ) Tj ET Q q 0 0 0 rg BT 229.14 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.25 298.10 Td (service ) Tj ET Q q 0 0 0 rg BT 277.24 298.10 Td (providers. ) Tj ET Q q 0 0 0 rg BT 320.18 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.85 298.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 354.96 298.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 397.06 298.10 Td (health ) Tj ET Q q 0 0 0 rg BT 424.17 298.10 Td (care ) Tj ET Q q 0 0 0 rg BT 443.49 298.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 486.70 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 501.58 298.10 Td (located ) Tj ET Q q 0 0 0 rg BT 533.12 298.10 Td (outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.76 286.10 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 103.13 286.10 Td (southwest ) Tj ET Q q 0 0 0 rg BT 145.49 286.10 Td (W) Tj ET Q q 0 0 0 rg BT 154.53 286.10 Td (isconsin ) Tj ET Q q 0 0 0 rg BT 189.85 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.83 286.10 Td (northeast ) Tj ET Q q 0 0 0 rg BT 246.03 286.10 Td (Indiana ) Tj ET Q q 0 0 0 rg BT 278.56 286.10 Td (areas. ) Tj ET Q q 0 0 0 rg BT 306.64 286.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 329.73 286.10 Td (products ) Tj ET Q q 0 0 0 rg BT 366.72 286.10 Td (of) Tj ET Q q 0 0 0 rg BT 374.86 286.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 397.95 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 412.70 286.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 452.45 286.10 Td (working ) Tj ET Q q 0 0 0 rg BT 488.33 286.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 520.02 286.10 Td (term ) Tj ET Q q 0 0 0 rg BT 540.89 286.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.43 274.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 91.31 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.64 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 130.40 274.10 Td (that ) Tj ET Q q 0 0 0 rg BT 149.38 274.10 Td (help ) Tj ET Q q 0 0 0 rg BT 170.60 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 187.92 274.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 232.46 274.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 265.88 274.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 304.86 274.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 352.43 274.10 Td (inventory ) Tj ET Q q 0 0 0 rg BT 394.75 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.18 274.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 464.10 274.10 Td (W) Tj ET Q q 0 0 0 rg BT 472.74 274.10 Td (e ) Tj ET Q q 0 0 0 rg BT 481.17 274.10 Td (also ) Tj ET Q q 0 0 0 rg BT 501.27 274.10 Td (of) Tj ET Q q 0 0 0 rg BT 509.42 274.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 524.52 274.10 Td (financial, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 101.93 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.77 262.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 166.38 262.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 192.22 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.95 262.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 231.12 262.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 281.96 262.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 304.47 262.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 336.42 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 347.82 262.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 374.22 262.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 411.72 262.10 Td (real ) Tj ET Q q 0 0 0 rg BT 428.11 262.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 452.28 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 465.89 262.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 505.06 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 514.80 262.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.09 250.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 91.97 250.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 120.18 250.10 Td (Most ) Tj ET Q q 0 0 0 rg BT 142.85 250.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 192.16 250.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.38 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 229.69 250.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 273.45 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 283.34 250.10 Td (nature, ) Tj ET Q q 0 0 0 rg BT 312.93 250.10 Td (being ) Tj ET Q q 0 0 0 rg BT 337.26 250.10 Td (one ) Tj ET Q q 0 0 0 rg BT 353.81 250.10 Td (year ) Tj ET Q q 0 0 0 rg BT 373.12 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 383.56 250.10 Td (less, ) Tj ET Q q 0 0 0 rg BT 403.17 250.10 Td (with ) Tj ET Q q 0 0 0 rg BT 423.06 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.38 250.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 480.04 250.10 Td (term ) Tj ET Q q 0 0 0 rg BT 500.47 250.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 539.79 250.10 Td (being ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (five ) Tj ET Q q 0 0 0 rg BT 68.05 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 78.33 238.10 Td (seven ) Tj ET Q q 0 0 0 rg BT 103.59 238.10 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td (Lines ) Tj ET Q q 0 0 0 rg BT 110.13 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.38 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 145.06 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.63 214.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 201.10 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 215.22 214.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 252.12 214.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 284.58 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.93 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 315.05 214.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 345.29 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.99 214.10 Td (renewal ) Tj ET Q q 0 0 0 rg BT 388.55 214.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 410.46 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.82 214.10 Td (satisfactory ) Tj ET Q q 0 0 0 rg BT 464.83 214.10 Td (review ) Tj ET Q q 0 0 0 rg BT 493.95 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.20 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.33 214.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.35 214.10 Td () Tj ET Q q 0 0 0 rg BT 558.13 214.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.83 202.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 130.46 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.75 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 175.36 202.10 Td (history) Tj ET Q q 0 0 0 rg BT 202.49 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 211.34 202.10 Td (Secured ) Tj ET Q q 0 0 0 rg BT 247.40 202.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 292.91 202.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 343.96 202.10 Td (business ) Tj ET Q q 0 0 0 rg BT 381.70 202.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 406.66 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 422.72 202.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 455.46 202.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 513.16 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 527.01 202.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 95.27 190.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 132.95 190.10 Td (, ) Tj ET Q q 0 0 0 rg BT 137.14 190.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 181.05 190.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 208.29 190.10 Td (real ) Tj ET Q q 0 0 0 rg BT 224.97 190.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 251.92 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 268.05 190.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 306.39 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 320.29 190.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 350.87 190.10 Td (predicated ) Tj ET Q q 0 0 0 rg BT 394.21 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 405.90 190.10 Td (predetermined ) Tj ET Q q 0 0 0 rg BT 465.34 190.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 499.79 190.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 520.36 190.10 Td (depending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 71.43 178.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 92.31 178.10 Td (class. ) Tj ET Q q 0 0 0 rg BT 118.18 178.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 139.62 178.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 162.16 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 175.80 178.10 Td (typically) Tj ET Q q 0 0 0 rg BT 210.14 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 214.08 178.10 Td (but ) Tj ET Q q 0 0 0 rg BT 228.29 178.10 Td (not ) Tj ET Q q 0 0 0 rg BT 242.50 178.10 Td (always, ) Tj ET Q q 0 0 0 rg BT 274.20 178.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 319.50 178.10 Td (by ) Tj ET Q q 0 0 0 rg BT 330.94 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.59 178.10 Td (owners ) Tj ET Q q 0 0 0 rg BT 374.90 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 384.67 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.32 178.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 438.65 178.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 479.51 178.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 514.82 178.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.73 166.10 Td (may ) Tj ET Q q 0 0 0 rg BT 93.57 166.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 137.28 166.10 Td (over ) Tj ET Q q 0 0 0 rg BT 157.67 166.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 180.57 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 192.63 166.10 Td (dif) Tj ET Q q 0 0 0 rg BT 203.56 166.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 227.29 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.69 166.10 Td (appraise ) Tj ET Q q 0 0 0 rg BT 273.63 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.69 166.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 328.30 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 338.70 166.10 Td (value ) Tj ET Q q 0 0 0 rg BT 362.98 166.10 Td (based ) Tj ET Q q 0 0 0 rg BT 388.37 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 401.00 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.84 166.10 Td (success ) Tj ET Q q 0 0 0 rg BT 448.45 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.41 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.25 166.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 515.77 166.10 Td (In ) Tj ET Q q 0 0 0 rg BT 526.72 166.10 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.16 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.76 154.10 Td (case ) Tj ET Q q 0 0 0 rg BT 94.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.06 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 128.55 154.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 161.47 154.10 Td (by ) Tj ET Q q 0 0 0 rg BT 173.85 154.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 211.22 154.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 257.18 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.78 154.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 319.14 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.86 154.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 354.46 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.50 154.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 413.09 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.91 154.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 471.16 154.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 515.21 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 534.81 154.10 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 142.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 92.42 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.07 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.61 142.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 156.59 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 166.69 142.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 195.66 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.21 142.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 246.42 142.10 Td (due ) Tj ET Q q 0 0 0 rg BT 263.18 142.10 Td (from ) Tj ET Q q 0 0 0 rg BT 284.94 142.10 Td (its ) Tj ET Q q 0 0 0 rg BT 296.71 142.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 344.07 142.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 393.41 142.10 Td (, ) Tj ET Q q 0 0 0 rg BT 398.23 142.10 Td (we ) Tj ET Q q 0 0 0 rg BT 412.22 142.10 Td (make ) Tj ET Q q 0 0 0 rg BT 436.20 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 451.85 142.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 501.37 142.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.80 142.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.62 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.47 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.54 130.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 143.60 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.89 130.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 199.27 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 219.89 130.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 241.07 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.25 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.32 130.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 303.57 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 308.92 130.10 Td (secondarily ) Tj ET Q q 0 0 0 rg BT 357.86 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 370.71 130.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 416.89 130.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 456.94 130.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 495.34 130.10 Td (by ) Tj ET Q q 0 0 0 rg BT 508.19 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.25 130.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 559.50 130.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 118.10 Td (lastly ) Tj ET Q q 0 0 0 rg BT 91.10 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 103.60 118.10 Td (guarantor ) Tj ET Q q 0 0 0 rg BT 144.42 118.10 Td (support.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 94.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 94.10 Td (e ) Tj ET Q q 0 0 0 rg BT 102.05 94.10 Td (also ) Tj ET Q q 0 0 0 rg BT 121.13 94.10 Td (of) Tj ET Q q 0 0 0 rg BT 129.27 94.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 143.34 94.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 191.85 94.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.93 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.68 94.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 271.87 94.10 Td (with ) Tj ET Q q 0 0 0 rg BT 292.62 94.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 332.79 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 344.09 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.27 94.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 393.90 94.10 Td (source ) Tj ET Q q 0 0 0 rg BT 422.97 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.27 94.10 Td (repayment. ) Tj ET Q q 0 0 0 rg BT 484.44 94.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 526.84 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 541.47 94.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.89 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 93.89 82.10 Td (include ) Tj ET Q q 0 0 0 rg BT 126.11 82.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 163.87 82.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 210.23 82.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 247.91 82.10 Td (, ) Tj ET Q q 0 0 0 rg BT 253.19 82.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 298.19 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.41 82.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 343.18 82.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 382.06 82.10 Td (real ) Tj ET Q q 0 0 0 rg BT 399.82 82.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 430.37 82.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 472.58 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 482.03 82.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 525.92 82.10 Td (regularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.96 70.10 Td (insure ) Tj ET Q q 0 0 0 rg BT 86.59 70.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 121.55 70.10 Td (suf) Tj ET Q q 0 0 0 rg BT 133.60 70.10 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 167.98 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.50 70.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 216.77 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.40 70.10 Td (quality) Tj ET Q q 0 0 0 rg BT 260.52 70.10 Td (. ) Tj ET Q q 0 0 0 rg BT 267.55 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 285.28 70.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 319.12 70.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 336.31 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 350.16 70.10 Td (these ) Tj ET Q q 0 0 0 rg BT 372.89 70.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 396.19 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 405.04 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 411.67 70.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 456.07 70.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 487.12 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.09 70.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 536.47 70.10 Td (values ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.53 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 76.41 58.10 Td (general ) Tj ET Q q 0 0 0 rg BT 107.92 58.10 Td (market ) Tj ET Q q 0 0 0 rg BT 137.78 58.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 186.54 58.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 209.18 58.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 233.50 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 250.59 58.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 285.45 58.10 Td (these ) Tj ET Q q 0 0 0 rg BT 308.09 58.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 329.08 58.10 Td (include ) Tj ET Q q 0 0 0 rg BT 360.61 58.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 382.14 58.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 424.22 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 444.09 58.10 Td (typical ) Tj ET Q q 0 0 0 rg BT 473.40 58.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 508.27 58.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 543.12 58.10 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.74 46.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 119.58 46.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 151.32 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 163.62 46.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 186.47 46.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 214.60 46.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 260.20 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.83 46.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 310.33 46.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 345.39 46.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 366.56 46.10 Td (on ) Tj ET Q q 0 0 0 rg BT 378.87 46.10 Td (current ) Tj ET Q q 0 0 0 rg BT 409.48 46.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 437.61 46.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 472.69 46.10 Td (field ) Tj ET Q q 0 0 0 rg BT 493.32 46.10 Td (exams, ) Tj ET Q q 0 0 0 rg BT 523.67 46.10 Td (dominion ) Tj ET Q endstream endobj 17 0 obj <> endobj 18 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (over ) Tj ET Q q 0 0 0 rg BT 69.65 742.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 89.30 742.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 134.50 742.10 Td (using ) Tj ET Q q 0 0 0 rg BT 158.05 742.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 177.70 742.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 216.78 742.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 253.65 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.97 742.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 300.16 742.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 321.48 742.10 Td (monitoring. ) Tj ET Q q 0 0 0 rg BT 372.81 742.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 408.01 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.22 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.32 742.10 Td (national ) Tj ET Q q 0 0 0 rg BT 466.41 742.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 491.06 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.27 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 516.48 742.10 Td (asset-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 85.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.71 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 117.21 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.04 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 151.09 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.70 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 183.87 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 202.48 730.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 247.74 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 260.24 730.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 295.52 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.46 730.10 Td (geography) Tj ET Q q 0 0 0 rg BT 354.01 730.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 87.58 706.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 104.66 706.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 126.18 706.10 Td (Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.84 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 159.77 706.10 Td (W) Tj ET Q q 0 0 0 rg BT 168.41 706.10 Td (e ) Tj ET Q q 0 0 0 rg BT 174.93 706.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 212.56 706.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 261.84 706.10 Td (real ) Tj ET Q q 0 0 0 rg BT 278.91 706.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 303.76 706.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.95 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 344.03 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 358.32 706.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 397.61 706.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 430.23 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 442.31 706.10 Td (multi-unit ) Tj ET Q q 0 0 0 rg BT 484.40 706.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 528.13 706.10 Td (property ) 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 66.84 694.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 94.23 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.07 694.10 Td (non-owner ) Tj ET Q q 0 0 0 rg BT 156.79 694.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 195.29 694.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 244.89 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.73 694.10 Td (industrial ) Tj ET Q q 0 0 0 rg BT 301.90 694.10 Td (property) Tj ET Q q 0 0 0 rg BT 335.13 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 342.53 694.10 Td (Longer ) Tj ET Q q 0 0 0 rg BT 373.81 694.10 Td (term ) Tj ET Q q 0 0 0 rg BT 394.54 694.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 444.13 694.10 Td (real ) Tj ET Q q 0 0 0 rg BT 461.52 694.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 486.69 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 510.20 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 524.80 694.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (made ) Tj ET Q q 0 0 0 rg BT 74.04 682.10 Td (at ) Tj ET Q q 0 0 0 rg BT 83.64 682.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 106.57 682.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 130.33 682.10 Td (although ) Tj ET Q q 0 0 0 rg BT 167.71 682.10 Td (some ) Tj ET Q q 0 0 0 rg BT 191.20 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 212.46 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 244.27 682.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 265.53 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 282.91 682.10 Td (change ) Tj ET Q q 0 0 0 rg BT 313.61 682.10 Td (based ) Tj ET Q q 0 0 0 rg BT 338.76 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 351.14 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.74 682.10 Td (Prime ) Tj ET Q q 0 0 0 rg BT 392.01 682.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 412.72 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 423.43 682.10 Td (LIBOR. ) Tj ET Q q 0 0 0 rg BT 460.82 682.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 499.59 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 504.47 682.10 Td (most ) Tj ET Q q 0 0 0 rg BT 526.30 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.79 682.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 92.77 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 113.34 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 120.57 670.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 153.35 670.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 190.57 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 200.58 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.58 670.10 Td (end ) Tj ET Q q 0 0 0 rg BT 232.81 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.93 670.10 Td (five ) Tj ET Q q 0 0 0 rg BT 262.26 670.10 Td (years ) Tj ET Q q 0 0 0 rg BT 286.15 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.27 670.10 Td (less. ) Tj ET Q q 0 0 0 rg BT 317.55 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.34 670.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 368.01 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 373.30 670.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 398.31 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.42 670.10 Td (up ) Tj ET Q q 0 0 0 rg BT 422.21 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 432.78 670.10 Td (twenty-five ) Tj ET Q q 0 0 0 rg BT 481.66 670.10 Td (years ) Tj ET Q q 0 0 0 rg BT 505.55 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 520.54 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 528.69 670.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 552.02 670.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 72.31 658.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 119.06 658.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 148.60 658.10 Td (For ) Tj ET Q q 0 0 0 rg BT 165.92 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 182.68 658.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 206.65 658.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 225.06 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 249.60 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 270.81 658.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 314.22 658.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 345.41 658.10 Td (than ) Tj ET Q q 0 0 0 rg BT 366.05 658.10 Td (five ) Tj ET Q q 0 0 0 rg BT 385.02 658.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 412.05 658.10 Td (we ) Tj ET Q q 0 0 0 rg BT 427.14 658.10 Td (may ) Tj ET Q q 0 0 0 rg BT 447.78 658.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 471.20 658.10 Td (into ) Tj ET Q q 0 0 0 rg BT 490.18 658.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 523.04 658.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 541.46 658.10 Td (swap ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.38 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 117.00 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 123.28 646.10 Td (third ) Tj ET Q q 0 0 0 rg BT 144.01 646.10 Td (party ) Tj ET Q q 0 0 0 rg BT 166.40 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.02 646.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 210.63 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 241.91 646.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 258.74 646.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 280.58 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 290.75 646.10 Td (deciding ) Tj ET Q q 0 0 0 rg BT 327.03 646.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 361.08 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.70 646.10 Td (make ) Tj ET Q q 0 0 0 rg BT 394.20 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 400.48 646.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 449.52 646.10 Td (real ) Tj ET Q q 0 0 0 rg BT 466.35 646.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 490.96 646.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 512.52 646.10 Td (we ) Tj ET Q q 0 0 0 rg BT 526.02 646.10 Td (consider) Tj ET Q q 0 0 0 rg BT 559.50 646.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (among ) Tj ET Q q 0 0 0 rg BT 79.02 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 101.37 634.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 130.12 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.14 634.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 189.24 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.48 634.10 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 261.71 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.84 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.86 634.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 324.31 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.44 634.10 Td (well ) Tj ET Q q 0 0 0 rg BT 353.46 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 363.59 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.61 634.10 Td (value ) Tj ET Q q 0 0 0 rg BT 401.07 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.31 634.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 436.88 634.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 457.01 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.14 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.16 634.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 526.29 634.10 Td (property) Tj ET Q q 0 0 0 rg BT 559.52 634.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 75.94 622.10 Td (other ) Tj ET Q q 0 0 0 rg BT 99.65 622.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 130.02 622.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 176.50 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 191.87 622.10 Td (net ) Tj ET Q q 0 0 0 rg BT 207.25 622.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 248.18 622.10 Td (income ) Tj ET Q q 0 0 0 rg BT 280.77 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.27 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.65 622.10 Td (property ) Tj ET Q q 0 0 0 rg BT 344.69 622.10 Td (before ) Tj ET Q q 0 0 0 rg BT 373.39 622.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 393.77 622.10 Td (service ) Tj ET Q q 0 0 0 rg BT 425.25 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.85 622.10 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 497.93 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 513.31 622.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 533.69 622.10 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 88.67 610.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 109.58 610.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 127.71 610.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 148.62 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.53 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.33 610.10 Td (property) Tj ET Q q 0 0 0 rg BT 210.99 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 217.47 610.10 Td (net ) Tj ET Q q 0 0 0 rg BT 232.27 610.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 252.62 610.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 273.54 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 283.90 610.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 303.70 610.10 Td (service ) Tj ET Q q 0 0 0 rg BT 334.60 610.10 Td (requirements\), ) Tj ET Q q 0 0 0 rg BT 395.22 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.02 610.10 Td (global ) Tj ET Q q 0 0 0 rg BT 437.60 610.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 457.95 610.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 482.76 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.67 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.47 610.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 544.72 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 549.81 610.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 70.66 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.33 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.89 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 115.44 598.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 147.77 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.89 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.44 598.10 Td (property ) Tj ET Q q 0 0 0 rg BT 208.66 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 232.65 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.43 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.98 598.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 294.08 598.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 362.52 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.18 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.74 598.10 Td (prospective ) Tj ET Q q 0 0 0 rg BT 436.17 598.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 472.27 598.10 Td (. ) Tj ET Q q 0 0 0 rg BT 479.61 598.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 497.50 598.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.03 598.10 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.26 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 98.87 586.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 136.36 586.10 Td (range ) Tj ET Q q 0 0 0 rg BT 161.07 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 171.35 586.10 Td (size ) Tj ET Q q 0 0 0 rg BT 189.39 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 211.33 586.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 233.83 586.10 Td (thousand ) Tj ET Q q 0 0 0 rg BT 272.44 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.72 586.10 Td ($30 ) Tj ET Q q 0 0 0 rg BT 300.22 586.10 Td (million.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.03 562.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 148.72 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.54 562.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 209.23 562.10 Td (real ) Tj ET Q q 0 0 0 rg BT 226.70 562.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 251.95 562.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 275.55 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 284.71 562.10 Td (often ) Tj ET Q q 0 0 0 rg BT 307.74 562.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 351.32 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 363.81 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.51 562.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 422.10 562.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 466.24 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.06 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.77 562.10 Td (property ) Tj ET Q q 0 0 0 rg BT 528.13 562.10 Td (securing ) 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 64.58 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 84.16 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 94.86 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.44 550.10 Td (business ) Tj ET Q q 0 0 0 rg BT 145.70 550.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 189.15 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 201.52 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.10 550.10 Td (property ) Tj ET Q q 0 0 0 rg BT 252.34 550.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 288.58 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.17 550.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 327.75 550.10 Td (In ) Tj ET Q q 0 0 0 rg BT 338.44 550.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 376.08 550.10 Td (most ) Tj ET Q q 0 0 0 rg BT 397.89 550.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 447.46 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 464.81 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 489.93 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 513.41 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.98 550.10 Td (not ) Tj ET Q q 0 0 0 rg BT 543.12 550.10 Td (fully ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 93.32 538.10 Td (over ) Tj ET Q q 0 0 0 rg BT 114.43 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.98 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 150.54 538.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 181.92 538.10 Td (but ) Tj ET Q q 0 0 0 rg BT 198.04 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 220.26 538.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 253.59 538.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 295.25 538.10 Td (due ) Tj ET Q q 0 0 0 rg BT 313.03 538.10 Td (at ) Tj ET Q q 0 0 0 rg BT 323.59 538.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 356.82 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 364.42 538.10 Td (A) Tj ET Q q 0 0 0 rg BT 371.09 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.43 538.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 411.45 538.10 Td () Tj ET Q q 0 0 0 rg BT 414.23 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 421.46 538.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 450.35 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.47 538.10 Td (make ) Tj ET Q q 0 0 0 rg BT 486.46 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 494.24 538.10 Td (balloon ) Tj ET Q q 0 0 0 rg BT 527.57 538.10 Td (payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.49 526.10 Td (will ) Tj ET Q q 0 0 0 rg BT 105.55 526.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 136.92 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 149.42 526.10 Td (their ) Tj ET Q q 0 0 0 rg BT 170.25 526.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 198.30 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.58 526.10 Td (either ) Tj ET Q q 0 0 0 rg BT 233.84 526.10 Td (refinance ) Tj ET Q q 0 0 0 rg BT 273.54 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.25 526.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 307.97 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 318.80 526.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 357.95 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.89 526.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 392.94 526.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 410.99 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 421.82 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.53 526.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 482.36 526.10 Td (property) Tj ET Q q 0 0 0 rg BT 515.59 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 514.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Construction ) Tj ET Q q 0 0 0 rg BT 108.67 502.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 130.67 502.10 Td (Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.33 502.10 Td (. ) Tj ET Q q 0 0 0 rg BT 164.70 502.10 Td (W) Tj ET Q q 0 0 0 rg BT 173.34 502.10 Td (e ) Tj ET Q q 0 0 0 rg BT 180.33 502.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 220.10 502.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 244.32 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 256.88 502.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 298.32 502.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 350.31 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 373.98 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 388.20 502.10 Td (owner ) Tj ET Q q 0 0 0 rg BT 415.75 502.10 Td (occupied ) Tj ET Q q 0 0 0 rg BT 454.40 502.10 Td (real ) Tj ET Q q 0 0 0 rg BT 471.94 502.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 497.26 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.26 502.10 Td (periodically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 83.41 490.10 Td (projects ) Tj ET Q q 0 0 0 rg BT 117.37 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 127.46 490.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 154.76 490.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 202.61 490.10 Td (Construction ) Tj ET Q q 0 0 0 rg BT 256.58 490.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 288.88 490.10 Td (can ) Tj ET Q q 0 0 0 rg BT 305.06 490.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 337.36 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.10 490.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 371.95 490.10 Td (level ) Tj ET Q q 0 0 0 rg BT 393.69 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.33 490.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 421.63 490.10 Td (than ) Tj ET Q q 0 0 0 rg BT 441.15 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 464.00 490.10 Td (types ) Tj ET Q q 0 0 0 rg BT 487.42 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.05 490.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 530.35 490.10 Td (because ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.48 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.95 478.10 Td (advanced ) Tj ET Q q 0 0 0 rg BT 128.97 478.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 164.55 478.10 Td (based ) Tj ET Q q 0 0 0 rg BT 189.58 478.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 211.84 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.32 478.10 Td (value ) Tj ET Q q 0 0 0 rg BT 250.24 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.83 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.31 478.10 Td (project, ) Tj ET Q q 0 0 0 rg BT 307.84 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 334.54 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 343.47 478.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 382.94 478.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.64 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.68 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.16 478.10 Td (project) Tj ET Q q 0 0 0 rg BT 459.70 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 465.85 478.10 Td (completion. ) Tj ET Q q 0 0 0 rg BT 518.10 478.10 Td (Because ) 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 (the ) Tj ET Q q 0 0 0 rg BT 65.11 466.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 119.10 466.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 154.76 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 165.43 466.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 209.99 466.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 262.31 466.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 285.21 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 296.44 466.10 Td (well ) Tj ET Q q 0 0 0 rg BT 316.55 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 327.77 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.89 466.10 Td (market ) Tj ET Q q 0 0 0 rg BT 373.54 466.10 Td (value ) Tj ET Q q 0 0 0 rg BT 398.10 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.32 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 416.66 466.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 461.20 466.10 Td (project ) Tj ET Q q 0 0 0 rg BT 491.86 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 509.19 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.31 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 531.89 466.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 553.67 466.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 106.89 454.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 149.33 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 161.24 454.10 Td (real ) Tj ET Q q 0 0 0 rg BT 178.13 454.10 Td (property) Tj ET Q q 0 0 0 rg BT 211.36 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 215.76 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 231.00 454.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 270.12 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 289.80 454.10 Td (regard ) Tj ET Q q 0 0 0 rg BT 317.24 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.93 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.05 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 360.73 454.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 384.86 454.10 Td (required ) Tj ET Q q 0 0 0 rg BT 420.08 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 429.76 454.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 468.32 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.66 454.10 Td (project ) Tj ET Q q 0 0 0 rg BT 504.33 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.68 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.80 454.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 106.47 442.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 127.95 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 148.32 442.10 Td (vary ) Tj ET Q q 0 0 0 rg BT 169.25 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 191.84 442.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 218.87 442.10 Td (results. ) Tj ET Q q 0 0 0 rg BT 252.44 442.10 Td (As ) Tj ET Q q 0 0 0 rg BT 266.71 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.31 442.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 302.18 442.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 354.77 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 379.03 442.10 Td (often ) Tj ET Q q 0 0 0 rg BT 402.74 442.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 435.89 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.26 442.10 Td (disbursement ) Tj ET Q q 0 0 0 rg BT 507.75 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 519.23 442.10 Td (substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.64 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 94.83 430.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 139.44 430.10 Td (dependent, ) Tj ET Q q 0 0 0 rg BT 185.45 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.64 430.10 Td (part, ) Tj ET Q q 0 0 0 rg BT 216.10 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 228.52 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.15 430.10 Td (success ) Tj ET Q q 0 0 0 rg BT 275.55 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.29 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.92 430.10 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 336.11 430.10 Td (project ) Tj ET Q q 0 0 0 rg BT 366.28 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.14 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.77 430.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 425.73 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.48 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.11 430.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 490.17 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.36 430.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 516.66 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 527.41 430.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 549.80 430.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (property ) Tj ET Q q 0 0 0 rg BT 86.35 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.15 418.10 Td (refinance ) Tj ET Q q 0 0 0 rg BT 136.82 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.50 418.10 Td (indebtedness. ) Tj ET Q q 0 0 0 rg BT 210.63 418.10 Td (If ) Tj ET Q q 0 0 0 rg BT 219.76 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 235.57 418.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 271.36 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.16 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.85 418.10 Td (value ) Tj ET Q q 0 0 0 rg BT 320.98 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.78 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 338.69 418.10 Td (project ) Tj ET Q q 0 0 0 rg BT 368.93 418.10 Td (at ) Tj ET Q q 0 0 0 rg BT 378.62 418.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 426.08 418.10 Td (proves ) Tj ET Q q 0 0 0 rg BT 455.21 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.46 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 477.37 418.10 Td (overstated, ) Tj ET Q q 0 0 0 rg BT 523.44 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 534.24 418.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (values ) Tj ET Q q 0 0 0 rg BT 77.91 406.10 Td (have ) Tj ET Q q 0 0 0 rg BT 99.16 406.10 Td (declined ) Tj ET Q q 0 0 0 rg BT 135.40 406.10 Td (since ) Tj ET Q q 0 0 0 rg BT 158.31 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 172.34 406.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 215.25 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 230.95 406.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 253.03 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 267.06 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 286.64 406.10 Td (have ) Tj ET Q q 0 0 0 rg BT 307.88 406.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 353.56 406.10 Td (security ) Tj ET Q q 0 0 0 rg BT 387.58 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 401.61 406.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 446.18 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.88 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.46 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 491.05 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.85 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 521.88 406.10 Td (may ) Tj ET Q q 0 0 0 rg BT 541.46 406.10 Td (incur ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 394.10 Td (loss.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 77.29 370.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.41 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 111.05 370.10 Td (W) Tj ET Q q 0 0 0 rg BT 119.69 370.10 Td (e ) Tj ET Q q 0 0 0 rg BT 126.98 370.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 147.04 370.10 Td (money ) Tj ET Q q 0 0 0 rg BT 177.11 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 187.74 370.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 218.91 370.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 264.53 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.15 370.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 307.43 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.49 370.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 342.56 370.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 374.29 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.47 370.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 412.20 370.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 442.82 370.10 Td (we ) Tj ET Q q 0 0 0 rg BT 457.33 370.10 Td (refer ) Tj ET Q q 0 0 0 rg BT 479.04 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.67 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 500.85 370.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 523.68 370.10 Td (loans\). ) Tj ET Q q 0 0 0 rg BT 555.34 370.10 Td (A) Tj ET Q q 0 0 0 rg BT 562.01 370.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 71.86 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 90.96 358.10 Td (arises ) Tj ET Q q 0 0 0 rg BT 115.60 358.10 Td (when ) Tj ET Q q 0 0 0 rg BT 139.14 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 145.45 358.10 Td (lessor ) Tj ET Q q 0 0 0 rg BT 170.66 358.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 210.31 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.41 358.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 268.49 358.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 293.13 358.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 326.66 358.10 Td (stream ) Tj ET Q q 0 0 0 rg BT 355.19 358.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 378.73 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.38 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.47 358.10 Td (lessor ) Tj ET Q q 0 0 0 rg BT 427.68 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 439.56 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.87 358.10 Td (lessee. ) Tj ET Q q 0 0 0 rg BT 476.62 358.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 501.82 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 524.80 358.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.86 346.10 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 119.71 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.14 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.01 346.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 175.99 346.10 Td (company) Tj ET Q q 0 0 0 rg BT 211.99 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.15 346.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 236.74 346.10 Td (consequently) Tj ET Q q 0 0 0 rg BT 288.85 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 294.01 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 309.99 346.10 Td (recourse ) Tj ET Q q 0 0 0 rg BT 346.51 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 355.83 346.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 386.81 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 397.25 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.12 346.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 438.65 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.74 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.61 346.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 498.24 346.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 548.11 346.10 Td (For ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (this ) Tj ET Q q 0 0 0 rg BT 67.57 334.10 Td (reason, ) Tj ET Q q 0 0 0 rg BT 99.29 334.10 Td (we ) Tj ET Q q 0 0 0 rg BT 114.07 334.10 Td (underwrite ) Tj ET Q q 0 0 0 rg BT 160.50 334.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 183.61 334.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 207.84 334.10 Td (by ) Tj ET Q q 0 0 0 rg BT 220.96 334.10 Td (examining ) Tj ET Q q 0 0 0 rg BT 266.29 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.63 334.10 Td (creditworthiness ) Tj ET Q q 0 0 0 rg BT 350.84 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.29 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.63 334.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 404.62 334.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 431.06 334.10 Td (than ) Tj ET Q q 0 0 0 rg BT 451.40 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.73 334.10 Td (lessor) Tj ET Q q 0 0 0 rg BT 489.51 334.10 Td (. ) Tj ET Q q 0 0 0 rg BT 497.63 334.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 536.41 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 542.03 334.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.47 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.03 322.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 120.92 322.10 Td (by ) Tj ET Q q 0 0 0 rg BT 133.28 322.10 Td (an ) Tj ET Q q 0 0 0 rg BT 145.08 322.10 Td (assignment ) Tj ET Q q 0 0 0 rg BT 192.43 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.12 322.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 225.46 322.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 266.14 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.94 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.74 322.10 Td (security ) Tj ET Q q 0 0 0 rg BT 323.75 322.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 355.54 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 365.67 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.25 322.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 424.82 322.10 Td (being ) Tj ET Q q 0 0 0 rg BT 449.39 322.10 Td (leased. ) Tj ET Q q 0 0 0 rg BT 481.21 322.10 Td (As ) Tj ET Q q 0 0 0 rg BT 494.69 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 514.82 322.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.22 310.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 107.86 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 120.97 310.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 168.79 310.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 214.10 310.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 251.09 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 267.52 310.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 290.62 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.83 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 335.16 310.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 379.34 310.10 Td (over ) Tj ET Q q 0 0 0 rg BT 400.22 310.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 423.60 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 443.92 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 456.47 310.10 Td (dif) Tj ET Q q 0 0 0 rg BT 467.40 310.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 491.61 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.49 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 527.25 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.80 310.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 86.53 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.86 298.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 123.95 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 132.59 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 138.58 298.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 155.67 298.10 Td (on ) Tj ET Q q 0 0 0 rg BT 167.22 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.99 298.10 Td (lessee) Tj ET Q q 0 0 0 rg BT 207.64 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 213.08 298.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 257.41 298.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 293.94 298.10 Td (stability) Tj ET Q q 0 0 0 rg BT 325.51 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 329.56 298.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 354.42 298.10 Td (than ) Tj ET Q q 0 0 0 rg BT 373.19 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.95 298.10 Td (value ) Tj ET Q q 0 0 0 rg BT 410.16 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.04 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.80 298.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 460.34 298.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 506.60 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 519.81 298.10 Td (repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.35 286.10 Td (all ) Tj ET Q q 0 0 0 rg BT 72.36 286.10 Td (required ) Tj ET Q q 0 0 0 rg BT 107.69 286.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 143.59 286.10 Td (under ) Tj ET Q q 0 0 0 rg BT 168.37 286.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 190.38 286.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 218.50 286.10 Td (In ) Tj ET Q q 0 0 0 rg BT 228.84 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.08 286.10 Td (event ) Tj ET Q q 0 0 0 rg BT 266.75 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.09 286.10 Td (default, ) Tj ET Q q 0 0 0 rg BT 309.37 286.10 Td (it ) Tj ET Q q 0 0 0 rg BT 316.95 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 325.63 286.10 Td (unlikely ) Tj ET Q q 0 0 0 rg BT 360.42 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 377.43 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.66 286.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 429.22 286.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.67 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.90 286.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 482.46 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.81 286.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 519.81 286.10 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 274.10 Td (be ) Tj ET Q q 0 0 0 rg BT 80.00 274.10 Td (suf) Tj ET Q q 0 0 0 rg BT 92.04 274.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 120.08 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.36 274.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 158.96 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.68 274.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 222.85 274.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 252.56 274.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 288.95 274.10 Td (under ) Tj ET Q q 0 0 0 rg BT 314.22 274.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 338.94 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.77 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.48 274.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 386.97 274.10 Td (loan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.39 250.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 135.01 250.10 Td (usually ) Tj ET Q q 0 0 0 rg BT 166.74 250.10 Td (acknowledge ) Tj ET Q q 0 0 0 rg BT 222.34 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 238.52 250.10 Td (security ) Tj ET Q q 0 0 0 rg BT 273.02 250.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 305.30 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 315.93 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.99 250.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 358.82 250.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 403.88 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 421.17 250.10 Td (often ) Tj ET Q q 0 0 0 rg BT 444.56 250.10 Td (agree ) Tj ET Q q 0 0 0 rg BT 469.05 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.68 250.10 Td (send ) Tj ET Q q 0 0 0 rg BT 500.85 250.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 523.69 250.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 82.91 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 93.06 238.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 109.32 238.10 Td (Lessees ) Tj ET Q q 0 0 0 rg BT 142.79 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 157.37 238.10 Td (often ) Tj ET Q q 0 0 0 rg BT 180.29 238.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 225.42 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 242.79 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 264.04 238.10 Td (an ) Tj ET Q q 0 0 0 rg BT 275.84 238.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 322.10 238.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 346.67 238.10 Td (public ) Tj ET Q q 0 0 0 rg BT 374.04 238.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 393.63 238.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 419.32 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 431.69 238.10 Td (Moody) Tj ET Q q 0 0 0 rg BT 463.36 238.10 Td (s ) Tj ET Q q 0 0 0 rg BT 469.63 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 480.33 238.10 Td (Standard& ) Tj ET Q q 0 0 0 rg BT 528.52 238.10 Td (Poors ) Tj ET Q q 0 0 0 rg BT 553.68 238.10 Td (or ) 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 64.65 226.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 108.74 226.10 Td (although ) Tj ET Q q 0 0 0 rg BT 146.16 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 160.26 226.10 Td (also ) Tj ET Q q 0 0 0 rg BT 178.80 226.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 211.78 226.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 236.98 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.19 226.10 Td (below ) Tj ET Q q 0 0 0 rg BT 274.06 226.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 320.38 226.10 Td (grade ) Tj ET Q q 0 0 0 rg BT 345.02 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.89 226.10 Td (non-rated ) Tj ET Q q 0 0 0 rg BT 402.64 226.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 452.67 226.10 Td (Whether ) Tj ET Q q 0 0 0 rg BT 489.52 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 500.29 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 515.50 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 522.37 226.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 548.68 226.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.62 214.10 Td (public ) Tj ET Q q 0 0 0 rg BT 83.80 214.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 103.20 214.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 131.21 214.10 Td (they ) Tj ET Q q 0 0 0 rg BT 150.61 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 165.00 214.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 195.50 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.46 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.86 214.10 Td (same ) Tj ET Q q 0 0 0 rg BT 242.59 214.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 275.32 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 300.26 214.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 334.66 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 345.18 214.10 Td (any ) Tj ET Q q 0 0 0 rg BT 361.80 214.10 Td (other ) Tj ET Q q 0 0 0 rg BT 384.53 214.10 Td (customer) Tj ET Q q 0 0 0 rg BT 420.63 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 427.81 214.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 453.31 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 476.60 214.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 513.77 214.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.83 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 541.46 214.10 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 202.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.42 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.36 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 131.06 202.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 152.45 202.10 Td (amortizing, ) Tj ET Q q 0 0 0 rg BT 200.77 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 221.05 202.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 263.54 202.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 301.03 202.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 334.08 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 356.02 202.10 Td (three ) Tj ET Q q 0 0 0 rg BT 378.50 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.78 202.10 Td (five ) Tj ET Q q 0 0 0 rg BT 406.83 202.10 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.10 Td (Primarily ) Tj ET Q q 0 0 0 rg BT 126.01 178.10 Td (through ) Tj ET Q q 0 0 0 rg BT 159.36 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 174.93 178.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 208.83 178.10 Td (Segment, ) Tj ET Q q 0 0 0 rg BT 248.56 178.10 Td (we ) Tj ET Q q 0 0 0 rg BT 262.46 178.10 Td (also ) Tj ET Q q 0 0 0 rg BT 280.81 178.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 306.94 178.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 339.72 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 349.74 178.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 394.19 178.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 421.42 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.44 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 454.22 178.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 499.23 178.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 529.24 178.10 Td (we ) Tj ET Q q 0 0 0 rg BT 543.14 178.10 Td (refer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.64 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 71.83 166.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 97.45 166.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 132.24 166.10 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 173.96 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 185.15 166.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 225.77 166.10 Td (leases\). ) Tj ET Q q 0 0 0 rg BT 260.63 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 279.04 166.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 329.67 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.86 166.10 Td (these ) Tj ET Q q 0 0 0 rg BT 364.27 166.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 414.90 166.10 Td (depends, ) Tj ET Q q 0 0 0 rg BT 453.03 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.67 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 470.97 166.10 Td (great ) Tj ET Q q 0 0 0 rg BT 493.81 166.10 Td (degree, ) Tj ET Q q 0 0 0 rg BT 525.82 166.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 548.68 166.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 77.50 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.23 154.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 115.82 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.98 154.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 167.46 154.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 201.06 154.10 Td (values ) Tj ET Q q 0 0 0 rg BT 228.56 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 238.84 154.10 Td (this ) Tj ET Q q 0 0 0 rg BT 255.23 154.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 304.39 154.10 Td (See ) Tj ET Q q 0 0 0 rg BT 320.78 154.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 345.49 154.10 Td (7. ) Tj ET Q q 0 0 0 rg BT 354.94 154.10 Td (Management) Tj ET Q q 0 0 0 rg BT 409.92 154.10 Td (s ) Tj ET Q q 0 0 0 rg BT 415.76 154.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 461.60 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.56 154.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 514.51 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.78 154.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 91.54 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.51 142.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 138.50 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.36 142.10 Td (Operations-Critical ) Tj ET Q q 0 0 0 rg BT 226.75 142.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 274.94 142.10 Td (Policies-Residual ) Tj ET Q q 0 0 0 rg BT 346.36 142.10 Td (V) Tj ET Q q 0 0 0 rg BT 352.47 142.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 370.66 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.52 142.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 397.61 142.10 Td (Direct ) Tj ET Q q 0 0 0 rg BT 424.13 142.10 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 459.82 142.10 Td (Leveraged, ) Tj ET Q q 0 0 0 rg BT 506.05 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.02 142.10 Td (Operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Leases.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (Residential ) Tj ET Q q 0 0 0 rg BT 99.74 106.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 121.14 106.10 Td (Estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.80 106.10 Td (. ) Tj ET Q q 0 0 0 rg BT 154.62 106.10 Td (W) Tj ET Q q 0 0 0 rg BT 163.26 106.10 Td (e ) Tj ET Q q 0 0 0 rg BT 169.66 106.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 207.16 106.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 229.67 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.07 106.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 288.58 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 305.52 106.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 349.14 106.10 Td (real ) Tj ET Q q 0 0 0 rg BT 366.08 106.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 390.81 106.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 413.88 106.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 446.38 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 458.34 106.10 Td (one ) Tj ET Q q 0 0 0 rg BT 474.74 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 484.48 106.10 Td (four ) Tj ET Q q 0 0 0 rg BT 503.10 106.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 520.62 106.10 Td (dwellings. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 94.10 Td (erms ) Tj ET Q q 0 0 0 rg BT 77.30 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 88.08 94.10 Td (first ) Tj ET Q q 0 0 0 rg BT 106.65 94.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 150.75 94.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 190.41 94.10 Td (range ) Tj ET Q q 0 0 0 rg BT 215.07 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 236.96 94.10 Td (five ) Tj ET Q q 0 0 0 rg BT 254.96 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.19 94.10 Td (thirty ) Tj ET Q q 0 0 0 rg BT 289.31 94.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 317.86 94.10 Td (In ) Tj ET Q q 0 0 0 rg BT 328.64 94.10 Td (deciding ) Tj ET Q q 0 0 0 rg BT 365.53 94.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 400.19 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.42 94.10 Td (make ) Tj ET Q q 0 0 0 rg BT 434.53 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.42 94.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 485.52 94.10 Td (real ) Tj ET Q q 0 0 0 rg BT 502.96 94.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 528.17 94.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 550.34 94.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 85.75 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.84 82.10 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 156.14 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.34 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.43 82.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 218.95 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 229.15 82.10 Td (well ) Tj ET Q q 0 0 0 rg BT 248.24 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.44 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.53 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 296.06 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.26 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.35 82.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 365.54 82.10 Td (property) Tj ET Q q 0 0 0 rg BT 398.77 82.10 Td (. ) Tj ET Q q 0 0 0 rg BT 405.64 82.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 423.07 82.10 Td (general ) Tj ET Q q 0 0 0 rg BT 454.36 82.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 487.87 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 496.41 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.06 82.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 521.82 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.13 82.10 Td (majority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.66 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 74.32 70.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 100.09 70.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 141.96 70.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 182.16 70.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 225.14 70.10 Td (real ) Tj ET Q q 0 0 0 rg BT 241.45 70.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 265.55 70.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 287.99 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.75 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.86 70.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 331.97 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.08 70.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 377.41 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.95 70.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 426.17 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.83 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 450.49 70.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 476.26 70.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 518.13 70.10 Td (adjustable-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.49 58.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 111.64 58.10 Td (real ) Tj ET Q q 0 0 0 rg BT 129.12 58.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 154.38 58.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 177.99 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 198.27 58.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 210.77 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 227.71 58.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 240.21 58.10 Td (year ) Tj ET Q q 0 0 0 rg BT 259.92 58.10 Td (maturities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td () Tj ET Q endstream endobj 19 0 obj <> endobj 20 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.50 31.60 Td (9) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.44 742.25 Td (. ) Tj ET Q q 0 0 0 rg BT 103.59 742.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 123.28 742.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 166.30 742.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 187.66 742.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 226.80 742.25 Td (is ) Tj ET Q q 0 0 0 rg BT 237.61 742.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 278.97 742.25 Td (focused ) Tj ET Q q 0 0 0 rg BT 314.21 742.25 Td (on ) Tj ET Q q 0 0 0 rg BT 328.35 742.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 363.04 742.25 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 396.05 742.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 421.30 742.25 Td (through ) Tj ET Q q 0 0 0 rg BT 456.56 742.25 Td (a ) Tj ET Q q 0 0 0 rg BT 465.14 742.25 Td (network ) Tj ET Q q 0 0 0 rg BT 502.05 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.52 742.25 Td (motorcycle, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (powersports, ) Tj ET Q q 0 0 0 rg BT 104.16 730.25 Td (recreational ) Tj ET Q q 0 0 0 rg BT 154.13 730.25 Td (vehicles, ) Tj ET Q q 0 0 0 rg BT 192.17 730.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.39 730.25 Td (marine ) Tj ET Q q 0 0 0 rg BT 239.93 730.25 Td (dealers ) Tj ET Q q 0 0 0 rg BT 271.03 730.25 Td (in ) Tj ET Q q 0 0 0 rg BT 281.59 730.25 Td (47 ) Tj ET Q q 0 0 0 rg BT 294.37 730.25 Td (states. ) Tj ET Q q 0 0 0 rg BT 321.86 730.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.44 730.25 Td (T) Tj ET Q q 0 0 0 rg BT 329.85 730.25 Td (erms ) Tj ET Q q 0 0 0 rg BT 352.07 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 363.18 730.25 Td (these ) Tj ET Q q 0 0 0 rg BT 386.51 730.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 409.83 730.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 427.60 730.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 451.49 730.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 489.26 730.25 Td (range ) Tj ET Q q 0 0 0 rg BT 514.24 730.25 Td (from ) Tj ET Q q 0 0 0 rg BT 536.46 730.25 Td (two ) Tj ET Q q 0 0 0 rg BT 554.24 730.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (fifteen ) Tj ET Q q 0 0 0 rg BT 77.73 718.25 Td (years ) Tj ET Q q 0 0 0 rg BT 100.47 718.25 Td (depending ) Tj ET Q q 0 0 0 rg BT 143.76 718.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.40 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.26 718.25 Td (product. ) Tj ET Q q 0 0 0 rg BT 203.94 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 205.58 718.25 Td (In ) Tj ET Q q 0 0 0 rg BT 215.55 718.25 Td (deciding ) Tj ET Q q 0 0 0 rg BT 251.62 718.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 285.46 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 294.88 718.25 Td (make ) Tj ET Q q 0 0 0 rg BT 318.17 718.25 Td (an ) Tj ET Q q 0 0 0 rg BT 329.25 718.25 Td (indirect ) Tj ET Q q 0 0 0 rg BT 361.43 718.25 Td (loan, ) Tj ET Q q 0 0 0 rg BT 382.79 718.25 Td (we ) Tj ET Q q 0 0 0 rg BT 396.08 718.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 431.60 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 445.45 718.25 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 501.52 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 511.49 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.34 718.25 Td (borrower ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 706.25 Td (well ) Tj ET Q q 0 0 0 rg BT 80.55 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 91.38 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.09 706.25 Td (value ) Tj ET Q q 0 0 0 rg BT 130.25 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.08 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.80 706.25 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.86 682.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 109.05 682.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 128.58 682.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 165.88 682.25 Td (also ) Tj ET Q q 0 0 0 rg BT 184.30 682.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 219.94 682.25 Td (home ) Tj ET Q q 0 0 0 rg BT 244.47 682.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 271.77 682.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 292.97 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 303.61 682.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 331.19 682.25 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 372.36 682.25 Td (home ) Tj ET Q q 0 0 0 rg BT 396.89 682.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 424.20 682.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 450.11 682.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 486.30 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 503.05 682.25 Td (business ) Tj ET Q q 0 0 0 rg BT 539.25 682.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (cards, ) Tj ET Q q 0 0 0 rg BT 76.96 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 94.75 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 105.89 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 113.69 670.25 Td (lesser ) Tj ET Q q 0 0 0 rg BT 139.81 670.25 Td (extent, ) Tj ET Q q 0 0 0 rg BT 170.11 670.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 204.00 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 221.80 670.25 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 265.69 670.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 307.93 670.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 337.40 670.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 365.19 670.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 393.55 670.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 415.79 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.48 670.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 453.60 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.40 670.25 Td (home ) Tj ET Q q 0 0 0 rg BT 496.97 670.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 525.33 670.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 549.79 670.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 89.79 658.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 128.46 658.25 Td (up ) Tj ET Q q 0 0 0 rg BT 141.04 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 151.41 658.25 Td (80% ) Tj ET Q q 0 0 0 rg BT 172.32 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.23 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 198.03 658.25 Td (value ) Tj ET Q q 0 0 0 rg BT 222.27 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.18 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.98 658.25 Td (property) Tj ET Q q 0 0 0 rg BT 281.21 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 286.29 658.25 Td (less ) Tj ET Q q 0 0 0 rg BT 303.88 658.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 353.13 658.25 Td (first ) Tj ET Q q 0 0 0 rg BT 371.82 658.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 412.16 658.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 438.35 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 440.75 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 446.16 658.25 Td (ypical ) Tj ET Q q 0 0 0 rg BT 473.18 658.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 497.98 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 512.22 658.25 Td (home ) Tj ET Q q 0 0 0 rg BT 537.02 658.25 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 71.02 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 81.47 646.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 106.37 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 120.70 646.25 Td (10 ) Tj ET Q q 0 0 0 rg BT 132.83 646.25 Td (years ) Tj ET Q q 0 0 0 rg BT 156.06 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 166.52 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 198.08 646.25 Td (only ) Tj ET Q q 0 0 0 rg BT 217.99 646.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 258.44 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 275.01 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 281.58 646.25 Td (10-year ) Tj ET Q q 0 0 0 rg BT 314.24 646.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 335.26 646.25 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 380.71 646.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 425.04 646.25 Td (thereafter) Tj ET Q q 0 0 0 rg BT 462.79 646.25 Td (. ) Tj ET Q q 0 0 0 rg BT 467.42 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 471.89 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 477.30 646.25 Td (erms ) Tj ET Q q 0 0 0 rg BT 498.87 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 512.66 646.25 Td (home ) Tj ET Q q 0 0 0 rg BT 537.00 646.25 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.93 634.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 111.75 634.25 Td (range ) Tj ET Q q 0 0 0 rg BT 136.78 634.25 Td (from ) Tj ET Q q 0 0 0 rg BT 159.05 634.25 Td (five ) Tj ET Q q 0 0 0 rg BT 177.42 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 188.03 634.25 Td (ten ) Tj ET Q q 0 0 0 rg BT 203.07 634.25 Td (years.In ) Tj ET Q q 0 0 0 rg BT 242.82 634.25 Td (deciding ) Tj ET Q q 0 0 0 rg BT 280.08 634.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 315.12 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 325.72 634.25 Td (make ) Tj ET Q q 0 0 0 rg BT 350.20 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 357.47 634.25 Td (home ) Tj ET Q q 0 0 0 rg BT 382.51 634.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 410.33 634.25 Td (line ) Tj ET Q q 0 0 0 rg BT 428.15 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 439.31 634.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 464.90 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 476.06 634.25 Td (loan, ) Tj ET Q q 0 0 0 rg BT 498.60 634.25 Td (we ) Tj ET Q q 0 0 0 rg BT 513.08 634.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 549.79 634.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 107.38 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.67 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.84 622.25 Td (borrower\(s\) ) Tj ET Q q 0 0 0 rg BT 184.00 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 195.29 622.25 Td (well ) Tj ET Q q 0 0 0 rg BT 215.46 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 226.74 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 241.92 622.25 Td (value ) Tj ET Q q 0 0 0 rg BT 266.53 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 277.81 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.98 622.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 339.27 622.25 Td (property) Tj ET Q q 0 0 0 rg BT 372.49 622.25 Td (. ) Tj ET Q q 0 0 0 rg BT 380.45 622.25 Td (In ) Tj ET Q q 0 0 0 rg BT 391.73 622.25 Td (deciding ) Tj ET Q q 0 0 0 rg BT 429.12 622.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 464.29 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.02 622.25 Td (make ) Tj ET Q q 0 0 0 rg BT 499.63 622.25 Td (other ) Tj ET Q q 0 0 0 rg BT 523.13 622.25 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.11 610.25 Td (we ) Tj ET Q q 0 0 0 rg BT 90.27 610.25 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 126.08 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.80 610.25 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 197.72 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.55 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 223.27 610.25 Td (borrower\(s\) ) Tj ET Q q 0 0 0 rg BT 272.97 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 289.91 610.25 Td (any ) Tj ET Q q 0 0 0 rg BT 306.85 610.25 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 349.05 610.25 Td (if ) Tj ET Q q 0 0 0 rg BT 357.66 610.25 Td (applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Unsecured ) Tj ET Q q 0 0 0 rg BT 95.96 586.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 138.04 586.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 162.34 586.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 200.53 586.25 Td (have ) Tj ET Q q 0 0 0 rg BT 222.61 586.25 Td (shorter ) Tj ET Q q 0 0 0 rg BT 253.58 586.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 278.99 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.63 586.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 322.60 586.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 360.22 586.25 Td (with ) Tj ET Q q 0 0 0 rg BT 381.20 586.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 409.95 586.25 Td (yields ) Tj ET Q q 0 0 0 rg BT 437.04 586.25 Td (as ) Tj ET Q q 0 0 0 rg BT 448.57 586.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 491.19 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 502.17 586.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 547.02 586.25 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 75.41 574.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 101.67 574.25 Td (but ) Tj ET Q q 0 0 0 rg BT 117.09 574.25 Td (carry ) Tj ET Q q 0 0 0 rg BT 140.27 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 147.36 574.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 175.55 574.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 193.20 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 204.17 574.25 Td (default. ) Tj ET Q q 0 0 0 rg BT 239.58 574.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 283.34 574.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 303.20 574.25 Td (collections ) Tj ET Q q 0 0 0 rg BT 349.17 574.25 Td (are ) Tj ET Q q 0 0 0 rg BT 364.02 574.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 407.76 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 420.41 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.27 574.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 472.29 574.25 Td () Tj ET Q q 0 0 0 rg BT 475.07 574.25 Td (s ) Tj ET Q q 0 0 0 rg BT 481.61 574.25 Td (continuing ) Tj ET Q q 0 0 0 rg BT 527.03 574.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (stability) Tj ET Q q 0 0 0 rg BT 81.57 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 87.40 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.17 562.25 Td (thus, ) Tj ET Q q 0 0 0 rg BT 127.67 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 143.21 562.25 Td (more ) Tj ET Q q 0 0 0 rg BT 167.08 562.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 193.19 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 204.30 562.25 Td (be ) Tj ET Q q 0 0 0 rg BT 217.07 562.25 Td (af) Tj ET Q q 0 0 0 rg BT 224.65 562.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 252.41 562.25 Td (by ) Tj ET Q q 0 0 0 rg BT 265.74 562.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 299.60 562.25 Td (personal ) Tj ET Q q 0 0 0 rg BT 336.81 562.25 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 401.78 562.25 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 457.60 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.14 562.25 Td (application ) Tj ET Q q 0 0 0 rg BT 520.90 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 532.56 562.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 80.50 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 97.68 550.25 Td (state ) Tj ET Q q 0 0 0 rg BT 118.75 550.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 142.33 550.25 Td (including ) Tj ET Q q 0 0 0 rg BT 182.85 550.25 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 230.58 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.76 550.25 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 293.83 550.25 Td (laws, ) Tj ET Q q 0 0 0 rg BT 317.41 550.25 Td (may ) Tj ET Q q 0 0 0 rg BT 337.37 550.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 359.01 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.97 550.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 406.71 550.25 Td (which ) Tj ET Q q 0 0 0 rg BT 433.90 550.25 Td (can ) Tj ET Q q 0 0 0 rg BT 450.52 550.25 Td (be ) Tj ET Q q 0 0 0 rg BT 462.70 550.25 Td (recovered ) Tj ET Q q 0 0 0 rg BT 504.86 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.61 550.25 Td (these ) Tj ET Q q 0 0 0 rg BT 540.90 550.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 538.25 Td (event ) Tj ET Q q 0 0 0 rg BT 99.15 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 109.98 538.25 Td (default.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (Competition) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 490.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 490.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.38 490.25 Td (face ) Tj ET Q q 0 0 0 rg BT 120.33 490.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 165.41 490.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 215.48 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 225.56 490.25 Td (all ) Tj ET Q q 0 0 0 rg BT 237.86 490.25 Td (phases ) Tj ET Q q 0 0 0 rg BT 266.82 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 277.46 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 293.09 490.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 339.55 490.25 Td (including ) Tj ET Q q 0 0 0 rg BT 379.63 490.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 410.82 490.25 Td (gathering ) Tj ET Q q 0 0 0 rg BT 450.88 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 467.63 490.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 487.15 490.25 Td (origination, ) Tj ET Q q 0 0 0 rg BT 535.83 490.25 Td (from ) Tj ET Q q 0 0 0 rg BT 557.58 490.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 80.99 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 92.55 478.25 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 147.99 478.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 200.64 478.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 229.70 478.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 262.92 478.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 313.10 478.25 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 356.31 478.25 Td (firms, ) Tj ET Q q 0 0 0 rg BT 383.14 478.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 409.13 478.25 Td (unions, ) Tj ET Q q 0 0 0 rg BT 441.53 478.25 Td (mutual ) Tj ET Q q 0 0 0 rg BT 472.53 478.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 494.08 478.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 542.57 478.25 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (management ) Tj ET Q q 0 0 0 rg BT 103.97 466.25 Td (firms, ) Tj ET Q q 0 0 0 rg BT 130.45 466.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 171.65 466.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 217.29 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 234.61 466.25 Td (specialty ) Tj ET Q q 0 0 0 rg BT 273.03 466.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 305.33 466.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 350.97 466.25 Td (all ) Tj ET Q q 0 0 0 rg BT 363.85 466.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 400.60 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 421.25 466.25 Td (us ) Tj ET Q q 0 0 0 rg BT 433.02 466.25 Td (for ) Tj ET Q q 0 0 0 rg BT 447.56 466.25 Td (new ) Tj ET Q q 0 0 0 rg BT 467.10 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.42 466.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 518.96 466.25 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 454.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.81 454.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 102.41 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 115.14 454.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 156.75 454.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 187.26 454.25 Td (services ) Tj ET Q q 0 0 0 rg BT 222.19 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 239.36 454.25 Td (expertise ) Tj ET Q q 0 0 0 rg BT 278.18 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 288.69 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 304.75 454.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 350.53 454.25 Td (ease ) Tj ET Q q 0 0 0 rg BT 370.46 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.52 454.25 Td (access ) Tj ET Q q 0 0 0 rg BT 409.79 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 420.30 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 436.36 454.25 Td (facilities, ) Tj ET Q q 0 0 0 rg BT 476.02 454.25 Td (convenient ) Tj ET Q q 0 0 0 rg BT 522.62 454.25 Td (hours ) Tj ET Q q 0 0 0 rg BT 547.57 454.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 100.31 442.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 131.75 442.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 175.96 442.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 226.27 442.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 258.81 442.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 280.79 442.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 301.12 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 314.23 442.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 352.61 442.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 385.15 442.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 407.14 442.25 Td (char) Tj ET Q q 0 0 0 rg BT 424.16 442.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 441.71 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 454.81 442.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 479.03 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.57 442.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 515.78 442.25 Td (char) Tj ET Q q 0 0 0 rg BT 532.81 442.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 550.35 442.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 430.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 123.31 430.25 Td (related ) Tj ET Q q 0 0 0 rg BT 153.01 430.25 Td (services\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 418.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (Personnel) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.25 Td (As ) Tj ET Q q 0 0 0 rg BT 98.74 382.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.69 382.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 166.40 382.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.40 382.25 Td (, ) Tj ET Q q 0 0 0 rg BT 190.53 382.25 Td (we ) Tj ET Q q 0 0 0 rg BT 203.81 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.88 382.25 Td (our ) Tj ET Q q 0 0 0 rg BT 234.83 382.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 283.67 382.25 Td (employed ) Tj ET Q q 0 0 0 rg BT 324.73 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 330.79 382.25 Td (total ) Tj ET Q q 0 0 0 rg BT 350.19 382.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 382.25 Td (3,486) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 384.27 382.25 Td (full-time ) Tj ET Q q 0 0 0 rg BT 420.89 382.25 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 464.16 382.25 Td (employees. ) Tj ET Q q 0 0 0 rg BT 513.44 382.25 Td (W) Tj ET Q q 0 0 0 rg BT 522.07 382.25 Td (e ) Tj ET Q q 0 0 0 rg BT 528.14 382.25 Td (consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 370.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 115.54 370.25 Td (with ) Tj ET Q q 0 0 0 rg BT 135.82 370.25 Td (our ) Tj ET Q q 0 0 0 rg BT 151.65 370.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 196.91 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.19 370.25 Td (be ) Tj ET Q q 0 0 0 rg BT 219.13 370.25 Td (good.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 103.07 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 121.69 346.25 Td (Regulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 322.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 322.25 Td (e, ) Tj ET Q q 0 0 0 rg BT 105.22 322.25 Td (our ) Tj ET Q q 0 0 0 rg BT 122.19 322.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 145.27 322.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 190.01 322.25 Td (\(MB ) Tj ET Q q 0 0 0 rg BT 212.55 322.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 253.40 322.25 Td (Bank\), ) Tj ET Q q 0 0 0 rg BT 283.98 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.05 322.25 Td (its ) Tj ET Q q 0 0 0 rg BT 315.14 322.25 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 368.50 322.25 Td (are ) Tj ET Q q 0 0 0 rg BT 384.35 322.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 416.31 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 427.73 322.25 Td (an ) Tj ET Q q 0 0 0 rg BT 440.81 322.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 482.21 322.25 Td (system ) Tj ET Q q 0 0 0 rg BT 513.63 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 525.60 322.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 547.57 322.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 96.35 310.25 Td (that ) Tj ET Q q 0 0 0 rg BT 113.25 310.25 Td (are ) Tj ET Q q 0 0 0 rg BT 127.37 310.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 163.72 310.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 202.84 310.25 Td (for ) Tj ET Q q 0 0 0 rg BT 216.41 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 230.54 310.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 272.99 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.23 310.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 325.69 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.04 310.25 Td (depositors ) Tj ET Q q 0 0 0 rg BT 385.06 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 401.41 310.25 Td (not ) Tj ET Q q 0 0 0 rg BT 416.10 310.25 Td (for ) Tj ET Q q 0 0 0 rg BT 429.68 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.80 310.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 486.26 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.50 310.25 Td (security ) Tj ET Q q 0 0 0 rg BT 530.07 310.25 Td (holders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (These ) Tj ET Q q 0 0 0 rg BT 77.01 298.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 98.47 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 116.04 298.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 163.60 298.25 Td (govern ) Tj ET Q q 0 0 0 rg BT 194.50 298.25 Td (such ) Tj ET Q q 0 0 0 rg BT 215.96 298.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 239.62 298.25 Td (as ) Tj ET Q q 0 0 0 rg BT 251.08 298.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 283.36 298.25 Td (permissible ) Tj ET Q q 0 0 0 rg BT 332.60 298.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 374.33 298.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 417.99 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 432.78 298.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 453.13 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 470.69 298.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 493.81 298.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 523.33 298.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 547.57 298.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (investments, ) Tj ET Q q 0 0 0 rg BT 103.00 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.17 286.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 141.77 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 152.83 286.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 184.99 286.25 Td (that ) Tj ET Q q 0 0 0 rg BT 202.71 286.25 Td (can ) Tj ET Q q 0 0 0 rg BT 219.31 286.25 Td (be ) Tj ET Q q 0 0 0 rg BT 231.48 286.25 Td (char) Tj ET Q q 0 0 0 rg BT 248.51 286.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 265.67 286.25 Td (on ) Tj ET Q q 0 0 0 rg BT 278.40 286.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 307.23 286.25 Td (Described ) Tj ET Q q 0 0 0 rg BT 350.50 286.25 Td (below ) Tj ET Q q 0 0 0 rg BT 377.66 286.25 Td (are ) Tj ET Q q 0 0 0 rg BT 392.60 286.25 Td (elements ) Tj ET Q q 0 0 0 rg BT 430.87 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 441.92 286.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 476.85 286.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 497.91 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.08 286.25 Td (regulations. ) 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 67.94 274.25 Td (descriptions ) Tj ET Q q 0 0 0 rg BT 118.65 274.25 Td (are ) Tj ET Q q 0 0 0 rg BT 133.25 274.25 Td (not ) Tj ET Q q 0 0 0 rg BT 148.42 274.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 185.24 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 195.41 274.25 Td (be ) Tj ET Q q 0 0 0 rg BT 207.24 274.25 Td (complete ) Tj ET Q q 0 0 0 rg BT 246.28 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 263.11 274.25 Td (are ) Tj ET Q q 0 0 0 rg BT 277.71 274.25 Td (qualified ) Tj ET Q q 0 0 0 rg BT 315.64 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 325.81 274.25 Td (their ) Tj ET Q q 0 0 0 rg BT 346.52 274.25 Td (entirety ) Tj ET Q q 0 0 0 rg BT 379.45 274.25 Td (by ) Tj ET Q q 0 0 0 rg BT 391.84 274.25 Td (reference ) Tj ET Q q 0 0 0 rg BT 431.42 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 441.58 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 456.19 274.25 Td (full ) Tj ET Q q 0 0 0 rg BT 472.47 274.25 Td (text ) Tj ET Q q 0 0 0 rg BT 489.85 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 500.57 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 515.18 274.25 Td (statutes ) Tj ET Q q 0 0 0 rg BT 547.57 274.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 96.93 262.25 Td (described.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 87.18 238.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 131.58 238.25 Td (Regulation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.25 238.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 180.75 238.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.25 238.25 Td ( ) Tj ET Q q 0 0 0 rg BT 185.38 238.25 Td (As ) Tj ET Q q 0 0 0 rg BT 199.22 238.25 Td (a ) Tj ET Q q 0 0 0 rg BT 206.38 238.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 228.55 238.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 261.83 238.25 Td (company ) Tj ET Q q 0 0 0 rg BT 301.21 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.38 238.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 356.08 238.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 389.37 238.25 Td (company) Tj ET Q q 0 0 0 rg BT 425.37 238.25 Td (, ) Tj ET Q q 0 0 0 rg BT 430.60 238.25 Td (we ) Tj ET Q q 0 0 0 rg BT 444.98 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 459.92 238.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 490.97 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 501.47 238.25 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 93.00 226.25 Td (by ) Tj ET Q q 0 0 0 rg BT 105.45 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.12 226.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 147.01 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 157.80 226.25 Td (Governors ) Tj ET Q q 0 0 0 rg BT 202.46 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.24 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 227.92 226.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 260.35 226.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 295.01 226.25 Td (System, ) Tj ET Q q 0 0 0 rg BT 329.42 226.25 Td (frequently ) Tj ET Q q 0 0 0 rg BT 372.96 226.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 407.05 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.29 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 428.07 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.74 226.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 475.18 226.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 509.84 226.25 Td (Board, ) Tj ET Q q 0 0 0 rg BT 539.23 226.25 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.22 214.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 89.32 214.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 125.10 214.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 166.33 214.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 183.76 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 195.09 214.25 Td (1956 ) Tj ET Q q 0 0 0 rg BT 218.09 214.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 236.64 214.25 Td ("Bank ) Tj ET Q q 0 0 0 rg BT 264.83 214.25 Td (Holding ) Tj ET Q q 0 0 0 rg BT 300.61 214.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 341.83 214.25 Td (Act"\), ) Tj ET Q q 0 0 0 rg BT 369.18 214.25 Td (as ) Tj ET Q q 0 0 0 rg BT 380.51 214.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 419.60 214.25 Td (by ) Tj ET Q q 0 0 0 rg BT 432.60 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.82 214.25 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 536.23 214.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 553.67 214.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (1999 ) Tj ET Q q 0 0 0 rg BT 71.61 202.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 88.77 202.25 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 180.54 202.25 Td (Act\), ) Tj ET Q q 0 0 0 rg BT 206.85 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 220.68 202.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 271.06 202.25 Td (W) Tj ET Q q 0 0 0 rg BT 279.69 202.25 Td (all ) Tj ET Q q 0 0 0 rg BT 291.30 202.25 Td (Street ) Tj ET Q q 0 0 0 rg BT 316.23 202.25 Td (Reform ) Tj ET Q q 0 0 0 rg BT 348.39 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 364.44 202.25 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 407.16 202.25 Td (Protection ) Tj ET Q q 0 0 0 rg BT 449.52 202.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 465.57 202.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 482.72 202.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 537.30 202.25 Td (Act\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (enacted ) Tj ET Q q 0 0 0 rg BT 81.88 190.25 Td (on ) Tj ET Q q 0 0 0 rg BT 93.22 190.25 Td (July21, ) Tj ET Q q 0 0 0 rg BT 126.23 190.25 Td (2010, ) Tj ET Q q 0 0 0 rg BT 150.08 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 165.86 190.25 Td (other ) Tj ET Q q 0 0 0 rg BT 187.75 190.25 Td (legislation. ) Tj ET Q q 0 0 0 rg BT 235.66 190.25 Td (W) Tj ET Q q 0 0 0 rg BT 244.30 190.25 Td (e ) Tj ET Q q 0 0 0 rg BT 250.08 190.25 Td (must ) Tj ET Q q 0 0 0 rg BT 270.87 190.25 Td (file ) Tj ET Q q 0 0 0 rg BT 285.54 190.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 314.66 190.25 Td (with ) Tj ET Q q 0 0 0 rg BT 333.78 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.34 190.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 378.67 190.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 412.22 190.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 438.00 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.79 190.25 Td (such ) Tj ET Q q 0 0 0 rg BT 473.46 190.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 514.79 190.25 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (as ) Tj ET Q q 0 0 0 rg BT 60.54 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.98 178.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 107.18 178.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 141.60 178.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 168.25 178.25 Td (may ) Tj ET Q q 0 0 0 rg BT 187.68 178.25 Td (require, ) Tj ET Q q 0 0 0 rg BT 220.71 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.36 178.25 Td (our ) Tj ET Q q 0 0 0 rg BT 252.91 178.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 285.68 178.25 Td (company ) Tj ET Q q 0 0 0 rg BT 324.55 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 341.20 178.25 Td (non-banking ) Tj ET Q q 0 0 0 rg BT 393.96 178.25 Td (af) Tj ET Q q 0 0 0 rg BT 401.55 178.25 Td (filiates ) Tj ET Q q 0 0 0 rg BT 430.98 178.25 Td (are ) Tj ET Q q 0 0 0 rg BT 445.40 178.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 475.94 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.93 178.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 537.57 178.25 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 178.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.04 166.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 116.30 166.25 Td (Board. ) Tj ET Q q 0 0 0 rg BT 147.80 166.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 174.84 166.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 206.88 166.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 241.15 166.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 267.64 166.25 Td (policy) Tj ET Q q 0 0 0 rg BT 291.99 166.25 Td (, ) Tj ET Q q 0 0 0 rg BT 296.54 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 310.82 166.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 361.30 166.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 377.79 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.29 166.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 426.33 166.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 460.59 166.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 487.09 166.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 536.07 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 542.57 166.25 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.27 154.25 Td (company ) Tj ET Q q 0 0 0 rg BT 122.64 154.25 Td (must ) Tj ET Q q 0 0 0 rg BT 144.80 154.25 Td (serve ) Tj ET Q q 0 0 0 rg BT 168.62 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 179.66 154.25 Td (a ) Tj ET Q q 0 0 0 rg BT 186.82 154.25 Td (source ) Tj ET Q q 0 0 0 rg BT 215.63 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 226.67 154.25 Td (strength ) Tj ET Q q 0 0 0 rg BT 261.61 154.25 Td (for ) Tj ET Q q 0 0 0 rg BT 275.98 154.25 Td (its ) Tj ET Q q 0 0 0 rg BT 288.14 154.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 310.30 154.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 365.03 154.25 Td (The ) Tj ET Q q 0 0 0 rg BT 383.29 154.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 416.00 154.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 450.92 154.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 478.07 154.25 Td (may ) Tj ET Q q 0 0 0 rg BT 498.00 154.25 Td (require, ) Tj ET Q q 0 0 0 rg BT 531.53 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 548.69 154.25 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (required ) Tj ET Q q 0 0 0 rg BT 85.31 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 95.09 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.31 142.25 Td (past, ) Tj ET Q q 0 0 0 rg BT 129.92 142.25 Td (a ) Tj ET Q q 0 0 0 rg BT 136.35 142.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 168.91 142.25 Td (company ) Tj ET Q q 0 0 0 rg BT 207.57 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 217.34 142.25 Td (contribute ) Tj ET Q q 0 0 0 rg BT 259.89 142.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 301.88 142.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 330.52 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 340.30 142.25 Td (an ) Tj ET Q q 0 0 0 rg BT 351.74 142.25 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 419.81 142.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 441.25 142.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 481.71 142.25 Td (. ) Tj ET Q q 0 0 0 rg BT 488.57 142.25 Td (The ) Tj ET Q q 0 0 0 rg BT 506.11 142.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 529.22 142.25 Td (Holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.83 130.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 107.77 130.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 144.71 130.25 Td (that ) Tj ET Q q 0 0 0 rg BT 162.21 130.25 Td (a ) Tj ET Q q 0 0 0 rg BT 169.15 130.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 191.08 130.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 224.14 130.25 Td (company ) Tj ET Q q 0 0 0 rg BT 263.30 130.25 Td (must ) Tj ET Q q 0 0 0 rg BT 285.24 130.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 312.74 130.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 345.22 130.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 379.93 130.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 406.87 130.25 Td (approval ) Tj ET Q q 0 0 0 rg BT 444.36 130.25 Td (before:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 106.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 106.25 Td (Acquiring ) Tj ET Q q 0 0 0 rg BT 128.96 106.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 161.92 106.25 Td (or ) Tj ET Q q 0 0 0 rg BT 172.66 106.25 Td (indirectly) Tj ET Q q 0 0 0 rg BT 210.33 106.25 Td (, ) Tj ET Q q 0 0 0 rg BT 215.24 106.25 Td (ownership ) Tj ET Q q 0 0 0 rg BT 259.32 106.25 Td (or ) Tj ET Q q 0 0 0 rg BT 270.06 106.25 Td (control ) Tj ET Q q 0 0 0 rg BT 300.80 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 311.54 106.25 Td (any ) Tj ET Q q 0 0 0 rg BT 328.40 106.25 Td (voting ) Tj ET Q q 0 0 0 rg BT 356.37 106.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 383.77 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.51 106.25 Td (another ) Tj ET Q q 0 0 0 rg BT 426.91 106.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 448.76 106.25 Td (or ) Tj ET Q q 0 0 0 rg BT 459.51 106.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 481.36 106.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 514.33 106.25 Td (company ) Tj ET Q q 0 0 0 rg BT 553.40 106.25 Td (if, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 94.25 Td (after ) Tj ET Q q 0 0 0 rg BT 105.97 94.25 Td (such ) Tj ET Q q 0 0 0 rg BT 125.95 94.25 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 173.99 94.25 Td (it ) Tj ET Q q 0 0 0 rg BT 181.20 94.25 Td (would ) Tj ET Q q 0 0 0 rg BT 207.86 94.25 Td (own ) Tj ET Q q 0 0 0 rg BT 226.73 94.25 Td (or ) Tj ET Q q 0 0 0 rg BT 236.72 94.25 Td (control ) Tj ET Q q 0 0 0 rg BT 266.70 94.25 Td (more ) Tj ET Q q 0 0 0 rg BT 288.90 94.25 Td (than ) Tj ET Q q 0 0 0 rg BT 307.77 94.25 Td (5% ) Tj ET Q q 0 0 0 rg BT 322.75 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 332.74 94.25 Td (such ) Tj ET Q q 0 0 0 rg BT 352.72 94.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 379.37 94.25 Td (\(unless ) Tj ET Q q 0 0 0 rg BT 409.35 94.25 Td (it ) Tj ET Q q 0 0 0 rg BT 416.56 94.25 Td (already ) Tj ET Q q 0 0 0 rg BT 447.64 94.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 470.41 94.25 Td (or ) Tj ET Q q 0 0 0 rg BT 480.39 94.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 514.26 94.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.13 94.25 Td (majority ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.83 82.25 Td (such ) Tj ET Q q 0 0 0 rg BT 117.66 82.25 Td (shares\);) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 70.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 70.25 Td (Acquiring ) Tj ET Q q 0 0 0 rg BT 129.05 70.25 Td (control ) Tj ET Q q 0 0 0 rg BT 159.87 70.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 173.20 70.25 Td (or ) Tj ET Q q 0 0 0 rg BT 184.03 70.25 Td (all ) Tj ET Q q 0 0 0 rg BT 196.53 70.25 Td (or ) Tj ET Q q 0 0 0 rg BT 207.36 70.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 260.41 70.25 Td (all ) Tj ET Q q 0 0 0 rg BT 272.90 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.73 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.45 70.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 324.28 70.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 337.61 70.25 Td (another ) Tj ET Q q 0 0 0 rg BT 370.10 70.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 392.04 70.25 Td (or ) Tj ET Q q 0 0 0 rg BT 402.87 70.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 424.80 70.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 457.86 70.25 Td (company) Tj ET Q q 0 0 0 rg BT 493.87 70.25 Td (, ) Tj ET Q q 0 0 0 rg BT 498.87 70.25 Td (or) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 58.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 58.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 102.48 58.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 122.76 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 133.59 58.25 Td (consolidating ) Tj ET Q q 0 0 0 rg BT 189.97 58.25 Td (with ) Tj ET Q q 0 0 0 rg BT 210.25 58.25 Td (another ) Tj ET Q q 0 0 0 rg BT 242.73 58.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 264.67 58.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 297.73 58.25 Td (company) Tj ET Q q 0 0 0 rg BT 333.73 58.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 46.25 Td () Tj ET Q endstream endobj 21 0 obj <> endobj 22 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.38 742.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 126.32 742.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 160.93 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 201.24 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 217.51 742.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 256.54 742.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 293.93 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.20 742.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 321.47 742.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 353.86 742.10 Td (company ) Tj ET Q q 0 0 0 rg BT 392.34 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 413.61 742.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 453.21 742.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 477.80 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 487.96 742.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 520.34 742.10 Td (ownership ) 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 60.68 730.10 Td (control ) Tj ET Q q 0 0 0 rg BT 91.36 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.04 730.10 Td (more ) Tj ET Q q 0 0 0 rg BT 124.93 730.10 Td (than ) Tj ET Q q 0 0 0 rg BT 144.50 730.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 160.18 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.86 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.43 730.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 213.33 730.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 240.67 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.35 730.10 Td (any ) Tj ET Q q 0 0 0 rg BT 268.14 730.10 Td (company ) Tj ET Q q 0 0 0 rg BT 307.15 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 333.94 730.10 Td (is ) Tj ET Q q 0 0 0 rg BT 342.96 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 358.08 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.87 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 386.66 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.34 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 419.13 730.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 452.04 730.10 Td (company) Tj ET Q q 0 0 0 rg BT 488.04 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 492.89 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 503.57 730.10 Td (from ) Tj ET Q q 0 0 0 rg BT 525.36 730.10 Td (engaging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 84.49 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 96.76 718.10 Td (indirectly ) Tj ET Q q 0 0 0 rg BT 139.03 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.75 718.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 190.79 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 215.29 718.10 Td (than ) Tj ET Q q 0 0 0 rg BT 236.45 718.10 Td (those ) Tj ET Q q 0 0 0 rg BT 261.50 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.77 718.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 312.44 718.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 355.81 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 368.09 718.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 415.92 718.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 445.69 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 457.97 718.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 500.80 718.10 Td (services ) Tj ET Q q 0 0 0 rg BT 536.95 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 552.55 718.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 102.66 706.10 Td () Tj ET Q q 0 0 0 rg BT 104.98 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 123.46 706.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 161.94 706.10 Td (exceptions ) Tj ET Q q 0 0 0 rg BT 207.65 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.36 706.10 Td (these ) Tj ET Q q 0 0 0 rg BT 241.85 706.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 293.13 706.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 326.06 706.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 356.20 706.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 396.91 706.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 435.95 706.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 465.83 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 478.76 706.10 Td (statute ) Tj ET Q q 0 0 0 rg BT 507.81 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 519.08 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 532.02 706.10 Td (Federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 85.19 694.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 112.62 694.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 156.15 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 167.46 694.10 Td (order) Tj ET Q q 0 0 0 rg BT 188.16 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 193.65 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 215.51 694.10 Td (been ) Tj ET Q q 0 0 0 rg BT 237.37 694.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 278.68 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 289.99 694.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 329.08 694.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 360.39 694.10 Td (related ) Tj ET Q q 0 0 0 rg BT 390.58 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.34 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.54 694.10 Td (business ) Tj ET Q q 0 0 0 rg BT 453.42 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.74 694.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 499.94 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 511.25 694.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 553.67 694.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 96.06 682.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 126.41 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 144.14 682.10 Td (list ) Tj ET Q q 0 0 0 rg BT 158.54 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.05 682.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 207.33 682.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 247.83 682.10 Td (by ) Tj ET Q q 0 0 0 rg BT 260.01 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.41 682.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 306.57 682.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 340.96 682.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 367.57 682.10 Td (includes, ) Tj ET Q q 0 0 0 rg BT 405.58 682.10 Td (among ) Tj ET Q q 0 0 0 rg BT 434.98 682.10 Td (other ) Tj ET Q q 0 0 0 rg BT 457.70 682.10 Td (things: ) Tj ET Q q 0 0 0 rg BT 487.11 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.29 682.10 Td (lending; ) Tj ET Q q 0 0 0 rg BT 524.24 682.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.17 670.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 89.90 670.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 135.70 670.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 176.19 670.10 Td (company) Tj ET Q q 0 0 0 rg BT 212.20 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 217.43 670.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 249.58 670.10 Td (company) Tj ET Q q 0 0 0 rg BT 285.59 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 290.82 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 316.32 670.10 Td (card ) Tj ET Q q 0 0 0 rg BT 336.26 670.10 Td (company ) Tj ET Q q 0 0 0 rg BT 375.64 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 386.71 670.10 Td (factoring ) Tj ET Q q 0 0 0 rg BT 425.53 670.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 467.70 670.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 515.42 670.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 545.35 670.10 Td (data ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (processing ) Tj ET Q q 0 0 0 rg BT 94.61 658.10 Td (operations; ) Tj ET Q q 0 0 0 rg BT 140.88 658.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 181.60 658.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 210.64 658.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 256.36 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.64 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 309.46 658.10 Td (advice; ) Tj ET Q q 0 0 0 rg BT 340.17 658.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 393.66 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.94 658.10 Td (acting ) Tj ET Q q 0 0 0 rg BT 436.21 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.38 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 457.66 658.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 497.81 658.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 521.31 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 534.80 658.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (types ) Tj ET Q q 0 0 0 rg BT 73.78 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.79 646.10 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 140.76 646.10 Td (insurance; ) Tj ET Q q 0 0 0 rg BT 184.53 646.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 215.53 646.10 Td (property ) Tj ET Q q 0 0 0 rg BT 252.08 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 264.76 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 271.88 646.10 Td (full-payout, ) Tj ET Q q 0 0 0 rg BT 321.48 646.10 Td (non-operating ) Tj ET Q q 0 0 0 rg BT 380.25 646.10 Td (basis; ) Tj ET Q q 0 0 0 rg BT 405.71 646.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 435.05 646.10 Td (money ) Tj ET Q q 0 0 0 rg BT 464.94 646.10 Td (orders, ) Tj ET Q q 0 0 0 rg BT 495.11 646.10 Td (travelers) Tj ET Q q 0 0 0 rg BT 532.12 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 534.79 646.10 Td (checks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.00 634.10 Td (United ) Tj ET Q q 0 0 0 rg BT 96.78 634.10 Td (States ) Tj ET Q q 0 0 0 rg BT 123.23 634.10 Td (Savings ) Tj ET Q q 0 0 0 rg BT 157.47 634.10 Td (Bonds; ) Tj ET Q q 0 0 0 rg BT 188.37 634.10 Td (real ) Tj ET Q q 0 0 0 rg BT 205.92 634.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 231.25 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.25 634.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 284.69 634.10 Td (property ) Tj ET Q q 0 0 0 rg BT 321.13 634.10 Td (appraising; ) Tj ET Q q 0 0 0 rg BT 368.13 634.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 409.58 634.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 424.36 634.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 461.91 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.92 634.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 527.01 634.10 Td (services; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 69.44 622.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 100.26 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 110.54 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 140.24 622.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 188.02 622.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 229.41 622.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 269.67 622.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 312.15 622.10 Td (services ) Tj ET Q q 0 0 0 rg BT 346.86 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.02 622.10 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 610.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.13 598.10 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 190.44 598.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 206.46 598.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 244.14 598.10 Td (portions ) Tj ET Q q 0 0 0 rg BT 278.50 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.42 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.22 598.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 324.91 598.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 359.28 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 399.40 598.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 415.42 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.78 598.10 Td (authorize ) Tj ET Q q 0 0 0 rg BT 463.57 598.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 484.59 598.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 516.73 598.10 Td (companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (such ) Tj ET Q q 0 0 0 rg BT 71.25 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 82.50 586.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 96.82 586.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 130.28 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 141.53 586.10 Td (through ) Tj ET Q q 0 0 0 rg BT 175.56 586.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 216.25 586.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 266.39 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.09 586.10 Td (engage ) Tj ET Q q 0 0 0 rg BT 308.33 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.02 586.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 362.21 586.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 403.45 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.81 586.10 Td (other ) Tj ET Q q 0 0 0 rg BT 444.27 586.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 483.29 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 501.21 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 516.34 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 554.24 586.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 76.81 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 86.96 574.10 Td (incidental ) Tj ET Q q 0 0 0 rg BT 128.21 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.81 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.07 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 180.88 574.10 Td (activity) Tj ET Q q 0 0 0 rg BT 210.22 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 217.04 574.10 Td (In ) Tj ET Q q 0 0 0 rg BT 227.19 574.10 Td (order ) Tj ET Q q 0 0 0 rg BT 250.12 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.72 574.10 Td (undertake ) Tj ET Q q 0 0 0 rg BT 300.96 574.10 Td (these ) Tj ET Q q 0 0 0 rg BT 323.33 574.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 363.75 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 370.02 574.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 391.28 574.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 423.66 574.10 Td (company ) Tj ET Q q 0 0 0 rg BT 462.13 574.10 Td (must ) Tj ET Q q 0 0 0 rg BT 483.41 574.10 Td (become ) Tj ET Q q 0 0 0 rg BT 516.32 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 522.58 574.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.01 562.10 Td (company ) Tj ET Q q 0 0 0 rg BT 126.56 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 139.01 562.10 Td (submitting ) Tj ET Q q 0 0 0 rg BT 184.25 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.48 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.15 562.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 257.14 562.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 289.58 562.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 324.24 562.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 347.80 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.69 562.10 Td (declaration ) Tj ET Q q 0 0 0 rg BT 401.56 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 419.01 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.68 562.10 Td (company ) Tj ET Q q 0 0 0 rg BT 472.79 562.10 Td (elects ) Tj ET Q q 0 0 0 rg BT 498.01 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 508.24 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 520.13 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.02 562.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.75 550.10 Td (company ) Tj ET Q q 0 0 0 rg BT 121.59 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.22 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.85 550.10 Td (certification ) Tj ET Q q 0 0 0 rg BT 195.34 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 212.53 550.10 Td (all ) Tj ET Q q 0 0 0 rg BT 224.71 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.23 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.64 550.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 294.05 550.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 340.69 550.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 383.42 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 395.61 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.02 550.10 Td (company ) Tj ET Q q 0 0 0 rg BT 448.86 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 463.26 550.10 Td (well ) Tj ET Q q 0 0 0 rg BT 482.67 550.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 528.16 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.79 550.10 Td (well ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (managed. ) Tj ET Q q 0 0 0 rg BT 93.59 538.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 111.65 538.10 Td (election ) Tj ET Q q 0 0 0 rg BT 145.80 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 156.07 538.10 Td (become ) Tj ET Q q 0 0 0 rg BT 189.67 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.61 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 234.09 538.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 267.14 538.10 Td (company ) Tj ET Q q 0 0 0 rg BT 306.30 538.10 Td (became ) Tj ET Q q 0 0 0 rg BT 339.33 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 346.92 538.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 376.62 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.90 538.10 Td (July2002.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 526.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Depository ) Tj ET Q q 0 0 0 rg BT 98.58 514.10 Td (Institution ) Tj ET Q q 0 0 0 rg BT 145.51 514.10 Td (Regulation.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 194.68 514.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.18 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 199.09 514.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 216.56 514.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 237.92 514.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 280.94 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 289.53 514.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 319.77 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.47 514.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 371.92 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 383.84 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.97 514.10 Td (Of) Tj ET Q q 0 0 0 rg BT 408.34 514.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 425.25 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.49 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.63 514.10 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 500.42 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.67 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.80 514.10 Td (Currency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 81.66 502.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 114.14 502.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 147.75 502.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 189.12 502.10 Td (Corporation. ) Tj ET Q q 0 0 0 rg BT 244.76 502.10 Td (This ) Tj ET Q q 0 0 0 rg BT 265.04 502.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 308.63 502.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 346.12 502.10 Td (includes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 478.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 478.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 107.01 478.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 132.46 478.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 165.15 478.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 208.10 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 235.23 478.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 268.47 478.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 312.26 478.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 359.37 478.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 415.37 478.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 440.27 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 454.62 478.10 Td (various ) Tj ET Q q 0 0 0 rg BT 486.75 478.10 Td (types ) Tj ET Q q 0 0 0 rg BT 510.54 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.56 478.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.23 478.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 466.10 Td (loans;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 454.10 Td (Risk-based ) Tj ET Q q 0 0 0 rg BT 133.28 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 162.78 454.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 187.56 454.10 Td (including ) Tj ET Q q 0 0 0 rg BT 228.18 454.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 274.90 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 289.41 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 321.69 454.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 339.52 454.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 359.86 454.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 417.13 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.30 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 453.91 454.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 471.76 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.04 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.11 454.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 525.84 454.10 Td (posed ) Tj ET Q q 0 0 0 rg BT 552.02 454.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 442.10 Td (non-traditional ) Tj ET Q q 0 0 0 rg BT 147.93 442.10 Td (activities;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 430.10 Td (Rulesrequiring ) Tj ET Q q 0 0 0 rg BT 150.45 430.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 195.19 430.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 242.17 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.47 430.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 286.64 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.60 430.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 348.89 430.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 381.95 430.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 428.34 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 438.64 430.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 474.47 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.43 430.10 Td (control ) Tj ET Q q 0 0 0 rg BT 522.28 430.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 547.56 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 418.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 129.60 418.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 168.20 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.48 418.10 Td (their ) Tj ET Q q 0 0 0 rg BT 199.30 418.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 258.45 418.10 Td (banks;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 406.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 406.10 Td (Rulesrestricting ) Tj ET Q q 0 0 0 rg BT 154.32 406.10 Td (types ) Tj ET Q q 0 0 0 rg BT 177.93 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.87 406.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 231.25 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.08 406.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 269.58 406.10 Td (investments; ) Tj ET Q q 0 0 0 rg BT 322.63 406.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 394.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 394.10 Td (Rulesaddressing ) Tj ET Q q 0 0 0 rg BT 155.99 394.10 Td (various ) Tj ET Q q 0 0 0 rg BT 187.38 394.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 213.20 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.58 394.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 272.64 394.10 Td (issues, ) Tj ET Q q 0 0 0 rg BT 300.97 394.10 Td (including ) Tj ET Q q 0 0 0 rg BT 340.69 394.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 384.29 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.68 394.10 Td (managerial ) Tj ET Q q 0 0 0 rg BT 447.04 394.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 489.25 394.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 528.97 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 542.57 394.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (quality) Tj ET Q q 0 0 0 rg BT 113.12 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 118.12 382.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 154.50 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.44 382.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 229.48 382.10 Td (standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 358.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.85 358.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 125.59 358.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 169.00 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.74 358.10 Td (its ) Tj ET Q q 0 0 0 rg BT 197.48 358.10 Td (af) Tj ET Q q 0 0 0 rg BT 205.07 358.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 234.58 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.09 358.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 279.72 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.79 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.31 358.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 356.04 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.78 358.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 425.05 358.10 Td (powers ) Tj ET Q q 0 0 0 rg BT 456.23 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.86 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.38 358.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 524.78 358.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 93.60 346.10 Td (Bureau ) Tj ET Q q 0 0 0 rg BT 124.98 346.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 143.03 346.10 Td (CFPB\) ) Tj ET Q q 0 0 0 rg BT 182.20 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 202.48 346.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 233.29 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.57 346.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 273.82 346.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 315.20 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 352.68 346.10 Td (laws.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 334.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 84.72 322.10 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 126.95 322.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.45 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 135.58 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 155.04 322.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 188.94 322.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 225.07 322.10 Td (Board, ) Tj ET Q q 0 0 0 rg BT 255.92 322.10 Td (Of) Tj ET Q q 0 0 0 rg BT 266.29 322.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 285.19 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.43 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.57 322.10 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 366.36 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.61 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.74 322.10 Td (Currency ) Tj ET Q q 0 0 0 rg BT 435.86 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.21 322.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 488.11 322.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 523.14 322.10 Td (Insurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 100.27 310.10 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 149.60 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 154.05 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.22 310.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 197.92 310.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 232.09 310.10 Td (agencies\) ) Tj ET Q q 0 0 0 rg BT 271.79 310.10 Td (have ) Tj ET Q q 0 0 0 rg BT 292.62 310.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 319.57 310.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 362.62 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.00 310.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 414.82 310.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 443.42 310.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 489.80 310.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 532.84 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 542.57 310.10 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 83.32 298.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 128.84 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.04 298.10 Td (banks. ) Tj ET Q q 0 0 0 rg BT 177.13 298.10 Td (In ) Tj ET Q q 0 0 0 rg BT 188.22 298.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 226.25 298.10 Td (these ) Tj ET Q q 0 0 0 rg BT 249.56 298.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 286.75 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 306.72 298.10 Td (from ) Tj ET Q q 0 0 0 rg BT 328.92 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 349.45 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.99 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 380.53 298.10 Td (require ) Tj ET Q q 0 0 0 rg BT 411.60 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 429.36 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.56 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 458.76 298.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 492.07 298.10 Td (company ) Tj ET Q q 0 0 0 rg BT 531.49 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 542.58 298.10 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 87.49 286.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 116.64 286.10 Td (above ) Tj ET Q q 0 0 0 rg BT 143.02 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.73 286.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 199.13 286.10 Td (levels, ) Tj ET Q q 0 0 0 rg BT 227.45 286.10 Td (based ) Tj ET Q q 0 0 0 rg BT 252.72 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.22 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 277.17 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.65 286.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 354.92 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.75 286.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 392.12 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 402.95 286.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 449.32 286.10 Td (growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.26 262.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.95 262.10 Td (January ) Tj ET Q q 0 0 0 rg BT 120.53 262.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 129.52 262.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 151.01 262.10 Td (\(with ) Tj ET Q q 0 0 0 rg BT 173.60 262.10 Td (some ) Tj ET Q q 0 0 0 rg BT 196.20 262.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 229.89 262.10 Td (transitioned ) Tj ET Q q 0 0 0 rg BT 278.59 262.10 Td (into ) Tj ET Q q 0 0 0 rg BT 295.63 262.10 Td (full ) Tj ET Q q 0 0 0 rg BT 311.01 262.10 Td (ef) Tj ET Q q 0 0 0 rg BT 318.59 262.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 364.50 262.10 Td (over ) Tj ET Q q 0 0 0 rg BT 383.76 262.10 Td (two ) Tj ET Q q 0 0 0 rg BT 400.25 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.51 262.10 Td (four ) Tj ET Q q 0 0 0 rg BT 427.66 262.10 Td (years\), ) Tj ET Q q 0 0 0 rg BT 456.07 262.10 Td (we ) Tj ET Q q 0 0 0 rg BT 469.22 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.15 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 499.96 262.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 520.89 262.10 Td (subsidiary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (became ) Tj ET Q q 0 0 0 rg BT 83.49 250.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 114.77 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.51 250.10 Td (new ) Tj ET Q q 0 0 0 rg BT 145.13 250.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.74 250.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 222.13 250.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 256.74 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 269.70 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.87 250.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 317.82 250.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 352.98 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.38 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.55 250.10 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 411.57 250.10 Td (which ) Tj ET Q q 0 0 0 rg BT 438.97 250.10 Td (create ) Tj ET Q q 0 0 0 rg BT 465.79 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 473.19 250.10 Td (new ) Tj ET Q q 0 0 0 rg BT 492.80 250.10 Td (required ) Tj ET Q q 0 0 0 rg BT 529.08 250.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 550.36 250.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.58 238.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 114.98 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 120.74 238.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 133.87 238.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 141.46 238.10 Td (\(CET1\) ) Tj ET Q q 0 0 0 rg BT 183.48 238.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 215.22 238.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 250.56 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.37 238.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 306.85 238.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 343.30 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.14 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 365.90 238.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 379.03 238.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 386.62 238.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 415.86 238.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 443.17 238.10 Td (change ) Tj ET Q q 0 0 0 rg BT 474.07 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.88 238.10 Td (risk-weightings ) Tj ET Q q 0 0 0 rg BT 553.68 238.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.20 226.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 104.53 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.20 226.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 155.75 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.08 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.30 226.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 223.40 226.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 252.05 226.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 278.77 226.10 Td (create ) Tj ET Q q 0 0 0 rg BT 304.63 226.10 Td (an ) Tj ET Q q 0 0 0 rg BT 316.07 226.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 358.06 226.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 386.71 226.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 439.81 226.10 Td (buf) Tj ET Q q 0 0 0 rg BT 452.96 226.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 466.05 226.10 Td (over ) Tj ET Q q 0 0 0 rg BT 485.82 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.04 226.10 Td (required ) Tj ET Q q 0 0 0 rg BT 535.36 226.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 77.56 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.85 214.10 Td (change ) Tj ET Q q 0 0 0 rg BT 126.02 214.10 Td (what ) Tj ET Q q 0 0 0 rg BT 148.30 214.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 185.58 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 196.76 214.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 226.26 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 240.77 214.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 279.17 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.35 214.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 325.41 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.47 214.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 369.97 214.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 427.52 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.16 214.10 Td (These ) Tj ET Q q 0 0 0 rg BT 456.89 214.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 504.17 214.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 549.79 214.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 92.95 202.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.45 202.10 Td (reforms ) Tj ET Q q 0 0 0 rg BT 154.40 202.10 Td (required ) Tj ET Q q 0 0 0 rg BT 189.57 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 201.42 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.49 202.10 Td (Dodd ) Tj ET Q q 0 0 0 rg BT 239.56 202.10 Td (Frank ) Tj ET Q q 0 0 0 rg BT 264.33 202.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 280.62 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.92 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.98 202.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 335.05 202.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 381.34 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 393.20 202.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 428.93 202.10 Td (Supervision. ) Tj ET Q q 0 0 0 rg BT 481.06 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 482.78 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 500.18 202.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 529.79 202.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 87.75 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 109.95 190.10 Td (also ) Tj ET Q q 0 0 0 rg BT 129.38 190.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 164.36 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.12 190.10 Td (rule ) Tj ET Q q 0 0 0 rg BT 191.00 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 204.32 190.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 241.54 190.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 280.94 190.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 338.97 190.10 Td (which ) Tj ET Q q 0 0 0 rg BT 366.73 190.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 398.38 190.10 Td (only ) Tj ET Q q 0 0 0 rg BT 419.48 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.59 190.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 466.13 190.10 Td (or) Tj ET Q q 0 0 0 rg BT 474.28 190.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 523.14 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 544.25 190.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.38 178.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 129.56 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 140.73 178.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 163.57 178.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 192.52 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 203.70 178.10 Td (more ) Tj ET Q q 0 0 0 rg BT 227.08 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 238.26 178.10 Td (on-balance ) Tj ET Q q 0 0 0 rg BT 284.96 178.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 308.35 178.10 Td (foreign ) Tj ET Q q 0 0 0 rg BT 340.07 178.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 379.01 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.18 178.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 408.02 178.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 436.98 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.15 178.10 Td (more, ) Tj ET Q q 0 0 0 rg BT 474.04 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.32 178.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 509.16 178.10 Td (less ) Tj ET Q q 0 0 0 rg BT 527.00 178.10 Td (stringent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.70 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.86 166.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 165.82 166.10 Td (that ) Tj ET Q q 0 0 0 rg BT 183.31 166.10 Td (do ) Tj ET Q q 0 0 0 rg BT 195.81 166.10 Td (not ) Tj ET Q q 0 0 0 rg BT 211.09 166.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 233.02 166.10 Td (these ) Tj ET Q q 0 0 0 rg BT 256.07 166.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 310.77 166.10 Td (but ) Tj ET Q q 0 0 0 rg BT 326.05 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 347.43 166.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 364.93 166.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 393.54 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 403.82 166.10 Td (or ) Tj ET Q q 0 0 0 rg BT 414.65 166.10 Td (more ) Tj ET Q q 0 0 0 rg BT 437.70 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.97 166.10 Td (total ) Tj ET Q q 0 0 0 rg BT 468.25 166.10 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 142.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 114.11 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.45 142.10 Td (new ) Tj ET Q q 0 0 0 rg BT 149.23 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 179.00 142.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 229.05 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.39 142.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 286.40 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 316.17 142.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 341.51 142.10 Td (are: ) Tj ET Q q 0 0 0 rg BT 359.61 142.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 374.39 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 381.95 142.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 408.96 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 438.73 142.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 460.17 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.63 142.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 495.58 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.03 142.10 Td (risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 78.49 130.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 92.53 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 99.18 130.10 Td (T) Tj ET Q q 0 0 0 rg BT 104.93 130.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 117.86 130.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 125.24 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 154.27 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 174.98 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.69 130.10 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 208.90 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.61 130.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 276.97 130.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 305.46 130.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 319.50 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 326.32 130.10 Td (total ) Tj ET Q q 0 0 0 rg BT 346.48 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 375.51 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 396.21 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.92 130.10 Td (8.0% ) Tj ET Q q 0 0 0 rg BT 430.13 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.84 130.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 498.21 130.10 Td (assets; ) Tj ET Q q 0 0 0 rg BT 526.70 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.52 130.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 557.56 130.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 86.82 118.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 108.10 118.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 126.60 118.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 147.89 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.96 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 164.72 118.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 178.22 118.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 186.18 118.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 215.78 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.52 118.10 Td (average ) Tj ET Q q 0 0 0 rg BT 260.56 118.10 Td (total ) Tj ET Q q 0 0 0 rg BT 281.29 118.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 317.57 118.10 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 347.19 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.47 118.10 Td (4.0%. ) Tj ET Q q 0 0 0 rg BT 387.26 118.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 414.10 118.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 454.26 118.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 488.89 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.17 118.10 Td (common ) Tj ET Q q 0 0 0 rg BT 538.13 118.10 Td (stock; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 83.59 106.10 Td (earnings; ) Tj ET Q q 0 0 0 rg BT 121.63 106.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 173.55 106.10 Td (other ) Tj ET Q q 0 0 0 rg BT 195.48 106.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 257.40 106.10 Td (income ) Tj ET Q q 0 0 0 rg BT 288.23 106.10 Td (\(AOCI\) ) Tj ET Q q 0 0 0 rg BT 329.60 106.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 355.98 106.10 Td (an ) Tj ET Q q 0 0 0 rg BT 366.81 106.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 408.76 106.10 Td (elects ) Tj ET Q q 0 0 0 rg BT 432.91 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.08 106.10 Td (exclude ) Tj ET Q q 0 0 0 rg BT 474.25 106.10 Td (AOCI ) Tj ET Q q 0 0 0 rg BT 500.08 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 520.91 106.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (capital; ) Tj ET Q q 0 0 0 rg BT 82.32 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.65 94.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 129.74 94.10 Td (minority ) Tj ET Q q 0 0 0 rg BT 167.07 94.10 Td (interests; ) Tj ET Q q 0 0 0 rg BT 206.06 94.10 Td (all ) Tj ET Q q 0 0 0 rg BT 218.95 94.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 250.16 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.83 94.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 304.81 94.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 348.79 94.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 399.46 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.79 94.10 Td (deductions. ) Tj ET Q q 0 0 0 rg BT 465.50 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 468.18 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 473.94 94.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 487.37 94.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 495.26 94.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 524.80 94.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 84.96 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.57 82.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 123.75 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.47 82.10 Td (noncumulative ) Tj ET Q q 0 0 0 rg BT 204.18 82.10 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 244.67 82.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 284.59 82.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 311.49 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 314.54 82.10 Td (T) Tj ET Q q 0 0 0 rg BT 320.29 82.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 334.13 82.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 342.41 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 372.35 82.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 412.84 82.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 447.79 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.41 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 483.24 82.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 523.17 82.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 547.56 82.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 104.65 70.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 124.86 70.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 160.07 70.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 190.27 70.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 234.93 70.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 254.59 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 267.03 70.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 300.02 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.35 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.56 70.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 370.09 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 384.74 70.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.95 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.39 70.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 445.37 70.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 472.26 70.10 Td (up ) Tj ET Q q 0 0 0 rg BT 485.25 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.03 70.10 Td (1.25% ) Tj ET Q q 0 0 0 rg BT 524.85 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.18 70.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 564.51 70.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 58.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 72.91 58.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 102.06 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 111.23 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.94 58.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 145.11 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.76 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 161.52 58.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 174.57 58.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 182.07 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.82 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 204.58 58.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 217.63 58.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 225.13 58.10 Td (capital.) Tj ET Q endstream endobj 23 0 obj <> endobj 24 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 305.78 31.60 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 742.10 Td (There ) Tj ET Q q 0 0 0 rg BT 111.93 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 126.74 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.79 742.10 Td (number ) Tj ET Q q 0 0 0 rg BT 166.95 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.89 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 212.70 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 223.09 742.10 Td (what ) Tj ET Q q 0 0 0 rg BT 245.14 742.10 Td (constitutes ) Tj ET Q q 0 0 0 rg BT 290.52 742.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 334.23 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.49 742.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 405.52 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.91 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.74 742.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 452.78 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 463.17 742.10 Td (ef) Tj ET Q q 0 0 0 rg BT 470.76 742.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 488.36 742.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 510.40 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.79 742.10 Td (January ) Tj ET Q q 0 0 0 rg BT 554.50 742.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 74.65 730.10 Td (some ) Tj ET Q q 0 0 0 rg BT 97.91 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.38 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 134.97 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 149.33 730.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 179.80 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.73 730.10 Td (transition ) Tj ET Q q 0 0 0 rg BT 229.65 730.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 266.08 730.10 Td (These ) Tj ET Q q 0 0 0 rg BT 292.11 730.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 326.46 730.10 Td (include ) Tj ET Q q 0 0 0 rg BT 358.04 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.41 730.10 Td (phasing-out ) Tj ET Q q 0 0 0 rg BT 421.77 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.25 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 461.60 730.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 510.42 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 520.89 730.10 Td (qualifying ) 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 78.35 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.49 718.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 133.39 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.42 718.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 195.11 718.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 223.45 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.37 718.10 Td (use ) Tj ET Q q 0 0 0 rg BT 252.39 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.42 718.10 Td (hybrid ) Tj ET Q q 0 0 0 rg BT 290.23 718.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 318.58 718.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 369.44 718.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 411.12 718.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 430.60 718.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 468.93 718.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 510.89 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 520.92 718.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (capital. ) Tj ET Q q 0 0 0 rg BT 81.25 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 83.35 706.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 124.32 706.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 163.08 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.61 706.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 215.02 706.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 229.33 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 254.76 706.10 Td (over ) Tj ET Q q 0 0 0 rg BT 274.63 706.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 319.49 706.10 Td (percentages ) Tj ET Q q 0 0 0 rg BT 368.78 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.21 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.53 706.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 419.51 706.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 458.83 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 473.13 706.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 511.33 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 532.86 706.10 Td (capital. ) 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 61.45 694.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.61 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 105.37 694.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 119.03 694.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 127.14 694.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 156.91 694.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 192.66 694.10 Td (AOCI, ) Tj ET Q q 0 0 0 rg BT 222.72 694.10 Td (which ) Tj ET Q q 0 0 0 rg BT 250.27 694.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 286.71 694.10 Td (all ) Tj ET Q q 0 0 0 rg BT 299.82 694.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 344.58 694.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 368.80 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.36 694.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 413.36 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 426.48 694.10 Td (available ) Tj ET Q q 0 0 0 rg BT 465.68 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.46 694.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 499.12 694.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 519.45 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.01 694.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (securities) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 87.76 682.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.67 682.10 Td (However) Tj ET Q q 0 0 0 rg BT 131.92 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 137.33 682.10 Td (because ) Tj ET Q q 0 0 0 rg BT 171.88 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 183.12 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 199.36 682.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 221.70 682.10 Td (size ) Tj ET Q q 0 0 0 rg BT 240.16 682.10 Td (at ) Tj ET Q q 0 0 0 rg BT 250.28 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.41 682.10 Td (time ) Tj ET Q q 0 0 0 rg BT 286.09 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.33 682.10 Td (election, ) Tj ET Q q 0 0 0 rg BT 334.38 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 348.95 682.10 Td (were ) Tj ET Q q 0 0 0 rg BT 371.29 682.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 404.19 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 418.75 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.88 682.10 Td (one-time ) Tj ET Q q 0 0 0 rg BT 472.33 682.10 Td (option ) Tj ET Q q 0 0 0 rg BT 500.79 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.03 682.10 Td (permanently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (opting ) Tj ET Q q 0 0 0 rg BT 77.52 670.10 Td (out ) Tj ET Q q 0 0 0 rg BT 92.27 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.57 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.75 670.10 Td (inclusion ) Tj ET Q q 0 0 0 rg BT 155.39 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.68 670.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 209.29 670.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 232.37 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.77 670.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 274.63 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 286.60 670.10 Td (available ) Tj ET Q q 0 0 0 rg BT 324.66 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 338.29 670.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 355.80 670.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 374.99 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.39 670.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 418.35 670.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 458.09 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 467.83 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 483.13 670.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 511.75 670.10 Td (calculations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 658.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.58 658.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 96.39 658.10 Td (this ) Tj ET Q q 0 0 0 rg BT 113.33 658.10 Td (option ) Tj ET Q q 0 0 0 rg BT 141.39 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 151.67 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.39 658.10 Td (first ) Tj ET Q q 0 0 0 rg BT 185.00 658.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 215.81 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.64 658.10 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 634.10 Td (For ) Tj ET Q q 0 0 0 rg BT 102.35 634.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 140.37 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 151.16 634.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 201.94 634.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 245.50 634.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 277.12 634.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 302.91 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.81 634.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 349.48 634.10 Td (of) Tj ET Q q 0 0 0 rg BT 357.62 634.10 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 397.28 634.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 420.29 634.10 Td (items ) Tj ET Q q 0 0 0 rg BT 444.42 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.09 634.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 516.53 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 538.43 634.10 Td (0% ) Tj ET Q q 0 0 0 rg BT 554.23 634.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (1,250%, ) Tj ET Q q 0 0 0 rg BT 85.34 622.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 129.00 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 141.01 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.24 622.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 172.24 622.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 231.44 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.78 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.00 622.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 277.45 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 287.79 622.10 Td (item. ) Tj ET Q q 0 0 0 rg BT 309.92 622.10 Td (The ) Tj ET Q q 0 0 0 rg BT 327.48 622.10 Td (new ) Tj ET Q q 0 0 0 rg BT 346.15 622.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 392.59 622.10 Td (make ) Tj ET Q q 0 0 0 rg BT 416.25 622.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 445.46 622.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 479.68 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 489.47 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.69 622.10 Td (risk-weighting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.32 610.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 85.63 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.40 610.10 Td (better ) Tj ET Q q 0 0 0 rg BT 120.15 610.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 147.67 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 172.42 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 189.41 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.83 610.10 Td (other ) Tj ET Q q 0 0 0 rg BT 228.37 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 245.36 610.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 283.44 610.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 324.85 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.62 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.82 610.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 376.34 610.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 404.98 610.10 Td (rules. ) Tj ET Q q 0 0 0 rg BT 428.76 610.10 Td (These ) Tj ET Q q 0 0 0 rg BT 454.63 610.10 Td (include ) Tj ET Q q 0 0 0 rg BT 486.05 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 492.47 610.10 Td (150% ) Tj ET Q q 0 0 0 rg BT 517.79 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 534.78 610.10 Td (weight ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.49 598.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 92.52 598.10 Td (high ) Tj ET Q q 0 0 0 rg BT 112.13 598.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 150.07 598.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 199.10 598.10 Td (real ) Tj ET Q q 0 0 0 rg BT 215.91 598.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 240.51 598.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 288.72 598.10 Td (development ) Tj ET Q q 0 0 0 rg BT 342.20 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 358.47 598.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 409.73 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 432.67 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.94 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 462.43 598.10 Td (non-residential ) Tj ET Q q 0 0 0 rg BT 524.24 598.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.46 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 92.82 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 108.38 586.10 Td (90 ) Tj ET Q q 0 0 0 rg BT 121.73 586.10 Td (days ) Tj ET Q q 0 0 0 rg BT 143.42 586.10 Td (past ) Tj ET Q q 0 0 0 rg BT 162.88 586.10 Td (due ) Tj ET Q q 0 0 0 rg BT 180.68 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 192.37 586.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 234.60 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.73 586.10 Td (nonaccrual ) Tj ET Q q 0 0 0 rg BT 292.95 586.10 Td (status; ) Tj ET Q q 0 0 0 rg BT 321.86 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 329.66 586.10 Td (20% ) Tj ET Q q 0 0 0 rg BT 351.34 586.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 377.46 586.10 Td (conversion ) Tj ET Q q 0 0 0 rg BT 424.70 586.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 451.37 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 466.38 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.96 586.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 513.64 586.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 545.89 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.57 586.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 103.35 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 123.93 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 136.16 574.10 Td (original ) Tj ET Q q 0 0 0 rg BT 170.07 574.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 206.75 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.88 574.10 Td (one ) Tj ET Q q 0 0 0 rg BT 235.12 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 255.13 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 266.26 574.10 Td (less ) Tj ET Q q 0 0 0 rg BT 284.06 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 301.85 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 311.32 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 326.90 574.10 Td (unconditionally ) Tj ET Q q 0 0 0 rg BT 392.47 574.10 Td (cancellable; ) Tj ET Q q 0 0 0 rg BT 443.02 574.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 462.75 574.10 Td (starting ) Tj ET Q q 0 0 0 rg BT 495.55 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 506.13 574.10 Td (2018, ) Tj ET Q q 0 0 0 rg BT 531.43 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.67 574.10 Td (250% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 562.10 Td (weight ) Tj ET Q q 0 0 0 rg BT 97.22 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 111.38 562.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 151.64 562.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 190.80 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 207.73 562.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 243.54 562.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 258.26 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 284.09 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 301.58 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 316.29 562.10 Td (not ) Tj ET Q q 0 0 0 rg BT 331.57 562.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 370.16 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 392.10 562.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 538.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.17 538.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 130.79 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.42 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.48 538.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 195.21 538.10 Td (CET1, ) Tj ET Q q 0 0 0 rg BT 223.31 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 229.07 538.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 241.46 538.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 250.81 538.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 286.51 538.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 306.68 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.97 538.10 Td (total ) Tj ET Q q 0 0 0 rg BT 342.58 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 371.08 538.10 Td (ratios, ) Tj ET Q q 0 0 0 rg BT 397.64 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.70 538.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.43 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.72 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.78 538.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 505.73 538.10 Td (must ) Tj ET Q q 0 0 0 rg BT 527.02 538.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.04 526.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 86.30 526.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 140.00 526.10 Td (buf) Tj ET Q q 0 0 0 rg BT 153.15 526.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 166.86 526.10 Td (consisting ) Tj ET Q q 0 0 0 rg BT 210.02 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.96 526.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 263.55 526.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 290.05 526.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 319.30 526.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 349.66 526.10 Td (than ) Tj ET Q q 0 0 0 rg BT 369.49 526.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 392.92 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.86 526.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 461.45 526.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 487.39 526.10 Td (above ) Tj ET Q q 0 0 0 rg BT 513.87 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.69 526.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.69 514.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 133.59 514.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 162.04 514.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 187.16 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 196.74 514.10 Td (order ) Tj ET Q q 0 0 0 rg BT 219.64 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.22 514.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 253.23 514.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 297.81 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 309.61 514.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 338.63 514.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 381.81 514.10 Td (repurchasing ) Tj ET Q q 0 0 0 rg BT 435.26 514.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 464.55 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.78 514.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 509.80 514.10 Td (discretionary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (bonuses. ) Tj ET Q q 0 0 0 rg BT 88.97 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 106.40 502.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 134.94 502.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 187.92 502.10 Td (buf) Tj ET Q q 0 0 0 rg BT 201.06 502.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 214.05 502.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 264.24 502.10 Td (began ) Tj ET Q q 0 0 0 rg BT 290.01 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.67 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 310.99 502.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 340.65 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 350.31 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.19 502.10 Td (January ) Tj ET Q q 0 0 0 rg BT 395.18 502.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 404.56 502.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 426.45 502.10 Td (when ) Tj ET Q q 0 0 0 rg BT 449.99 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 456.31 502.10 Td (buf) Tj ET Q q 0 0 0 rg BT 469.46 502.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 482.45 502.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 512.09 502.10 Td (than ) Tj ET Q q 0 0 0 rg BT 531.19 502.10 Td (0.625% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.65 490.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 119.96 490.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 146.62 490.10 Td (was ) Tj ET Q q 0 0 0 rg BT 165.49 490.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 204.63 490.10 Td (which ) Tj ET Q q 0 0 0 rg BT 232.40 490.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 265.72 490.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 305.69 490.10 Td (each ) Tj ET Q q 0 0 0 rg BT 327.33 490.10 Td (year ) Tj ET Q q 0 0 0 rg BT 347.86 490.10 Td (until ) Tj ET Q q 0 0 0 rg BT 369.52 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.06 490.10 Td (buf) Tj ET Q q 0 0 0 rg BT 398.21 490.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 412.63 490.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 464.26 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 474.26 490.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 496.47 490.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 552.00 490.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (January ) Tj ET Q q 0 0 0 rg BT 83.60 478.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 93.60 478.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 454.10 Td (o ) Tj ET Q q 0 0 0 rg BT 98.20 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 109.44 454.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 154.55 454.10 Td ("well ) Tj ET Q q 0 0 0 rg BT 177.64 454.10 Td (capitalized," ) Tj ET Q q 0 0 0 rg BT 229.32 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.56 454.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 256.79 454.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 289.14 454.10 Td (company ) Tj ET Q q 0 0 0 rg BT 327.59 454.10 Td (must ) Tj ET Q q 0 0 0 rg BT 348.83 454.10 Td (have, ) Tj ET Q q 0 0 0 rg BT 372.00 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 383.80 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 390.03 454.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 442.37 454.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 466.66 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 472.89 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 492.46 454.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 535.36 454.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 71.11 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.22 442.10 Td (10.0% ) Tj ET Q q 0 0 0 rg BT 110.83 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 121.94 442.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 152.47 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.69 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.71 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 182.47 442.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 195.79 442.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 203.58 442.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 247.46 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 276.89 442.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 297.99 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.10 442.10 Td (6.0% ) Tj ET Q q 0 0 0 rg BT 332.71 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 343.82 442.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 374.36 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.58 442.10 Td (must ) Tj ET Q q 0 0 0 rg BT 413.81 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 429.37 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 441.59 442.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 472.69 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.25 442.10 Td (an ) Tj ET Q q 0 0 0 rg BT 495.47 442.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 538.80 442.10 Td (order) Tj ET Q q 0 0 0 rg BT 559.50 442.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (directive ) Tj ET Q q 0 0 0 rg BT 87.48 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 98.31 430.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 142.45 430.10 Td (under ) Tj ET Q q 0 0 0 rg BT 167.72 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 194.66 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.38 430.10 Td (FRB ) Tj ET Q q 0 0 0 rg BT 230.78 430.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 265.48 430.10 Td (it ) Tj ET Q q 0 0 0 rg BT 273.54 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 283.82 430.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 321.31 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 328.25 430.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 361.84 430.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 390.99 430.10 Td (level.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 406.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.51 406.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.23 406.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 168.71 406.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.71 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 193.60 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 207.66 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.49 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 240.21 406.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 262.05 406.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 305.55 406.10 Td (met ) Tj ET Q q 0 0 0 rg BT 322.94 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 337.55 406.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 392.15 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.32 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 414.15 406.10 Td ("well ) Tj ET Q q 0 0 0 rg BT 437.84 406.10 Td (capitalized" ) Tj ET Q q 0 0 0 rg BT 487.63 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.46 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.07 406.10 Td (full ) Tj ET Q q 0 0 0 rg BT 535.35 406.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (conservationbuf) Tj ET Q q 0 0 0 rg BT 116.74 394.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 130.34 394.10 Td (requirement. ) Tj ET Q q 0 0 0 rg BT 183.65 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 185.97 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 204.02 394.10 Td (well ) Tj ET Q q 0 0 0 rg BT 223.74 394.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 269.54 394.10 Td (standard ) Tj ET Q q 0 0 0 rg BT 305.92 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.08 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.79 394.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 358.40 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 367.57 394.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 408.40 394.10 Td (below) Tj ET Q q 0 0 0 rg BT 432.19 394.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 370.10 Td (ompt ) Tj ET Q q 0 0 0 rg BT 85.99 370.10 Td (Corr) Tj ET Q q 0 0 0 rg BT 106.91 370.10 Td (ective ) Tj ET Q q 0 0 0 rg BT 133.98 370.10 Td (Action.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.81 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.47 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 189.42 370.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 222.81 370.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 257.32 370.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 299.59 370.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 351.31 370.10 Td (Improvement ) Tj ET Q q 0 0 0 rg BT 407.84 370.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 425.68 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.41 370.10 Td (1991 ) Tj ET Q q 0 0 0 rg BT 460.81 370.10 Td (\("the ) Tj ET Q q 0 0 0 rg BT 483.09 370.10 Td (Act"\), ) Tj ET Q q 0 0 0 rg BT 510.85 370.10 Td (among ) Tj ET Q q 0 0 0 rg BT 541.47 370.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 83.77 358.10 Td (identifies ) Tj ET Q q 0 0 0 rg BT 127.81 358.10 Td (five ) Tj ET Q q 0 0 0 rg BT 150.18 358.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 183.65 358.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 231.00 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 249.49 358.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 285.75 358.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 334.79 358.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 386.06 358.10 Td (\(well ) Tj ET Q q 0 0 0 rg BT 413.43 358.10 Td (capitalized, ) Tj ET Q q 0 0 0 rg BT 466.06 358.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 516.19 358.10 Td (capitalized, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (undercapitalized, ) Tj ET Q q 0 0 0 rg BT 120.27 346.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 171.95 346.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 239.71 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.84 346.10 Td (critically ) Tj ET Q q 0 0 0 rg BT 293.07 346.10 Td (undercapitalized\) ) Tj ET Q q 0 0 0 rg BT 364.17 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 380.30 346.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 414.20 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.11 346.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 470.33 346.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 499.78 346.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 520.91 346.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 86.25 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.85 334.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 140.45 334.10 Td (systems ) Tj ET Q q 0 0 0 rg BT 173.94 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 187.43 334.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 222.58 334.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 264.37 334.10 Td (action ) Tj ET Q q 0 0 0 rg BT 295.07 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 308.56 334.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 339.82 334.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 383.86 334.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 430.14 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 446.96 334.10 Td (do ) Tj ET Q q 0 0 0 rg BT 458.79 334.10 Td (not ) Tj ET Q q 0 0 0 rg BT 473.39 334.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 494.65 334.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 535.36 334.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.24 322.10 Td (within ) Tj ET Q q 0 0 0 rg BT 131.84 322.10 Td (these ) Tj ET Q q 0 0 0 rg BT 154.43 322.10 Td (categories. ) Tj ET Q q 0 0 0 rg BT 201.86 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 219.00 322.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 235.48 322.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 270.30 322.10 Td (progressively ) Tj ET Q q 0 0 0 rg BT 326.22 322.10 Td (more ) Tj ET Q q 0 0 0 rg BT 348.81 322.10 Td (restrictive ) Tj ET Q q 0 0 0 rg BT 390.83 322.10 Td (constraints ) Tj ET Q q 0 0 0 rg BT 436.20 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 448.24 322.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 494.44 322.10 Td (management ) Tj ET Q q 0 0 0 rg BT 547.57 322.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.16 310.10 Td (distributions, ) Tj ET Q q 0 0 0 rg BT 134.17 310.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 178.34 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 190.85 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.58 310.10 Td (category ) Tj ET Q q 0 0 0 rg BT 242.51 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.80 310.10 Td (which ) Tj ET Q q 0 0 0 rg BT 279.75 310.10 Td (an ) Tj ET Q q 0 0 0 rg BT 291.69 310.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 334.77 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 343.95 310.10 Td (classified. ) Tj ET Q q 0 0 0 rg BT 389.22 310.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 420.05 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.34 310.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 452.29 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.01 310.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 496.17 310.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 539.79 310.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.64 298.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 99.50 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.46 298.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 141.21 298.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 184.30 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.61 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 223.79 298.10 Td (raising ) Tj ET Q q 0 0 0 rg BT 253.54 298.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 312.72 298.10 Td (An ) Tj ET Q q 0 0 0 rg BT 327.47 298.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 404.95 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 426.92 298.10 Td (must ) Tj ET Q q 0 0 0 rg BT 448.90 298.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 483.08 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 490.05 298.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 519.24 298.10 Td (restoration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 70.29 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.81 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 100.34 286.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 128.40 286.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 162.03 286.10 Td (company ) Tj ET Q q 0 0 0 rg BT 201.77 286.10 Td (must ) Tj ET Q q 0 0 0 rg BT 224.29 286.10 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 266.23 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 284.31 286.10 Td (bank) Tj ET Q q 0 0 0 rg BT 306.52 286.10 Td (s ) Tj ET Q q 0 0 0 rg BT 313.49 286.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 362.66 286.10 Td (with ) Tj ET Q q 0 0 0 rg BT 383.51 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.81 286.10 Td (plan. ) Tj ET Q q 0 0 0 rg BT 423.88 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 442.50 286.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 476.69 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.10 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.39 286.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 531.46 286.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (company ) Tj ET Q q 0 0 0 rg BT 89.15 274.10 Td (under ) Tj ET Q q 0 0 0 rg BT 114.42 274.10 Td (any ) Tj ET Q q 0 0 0 rg BT 131.36 274.10 Td (such ) Tj ET Q q 0 0 0 rg BT 152.19 274.10 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 193.55 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 202.72 274.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 233.55 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.83 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 258.54 274.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 283.81 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.64 274.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 310.47 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.30 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.01 274.10 Td (bank) Tj ET Q q 0 0 0 rg BT 358.23 274.10 Td (s ) Tj ET Q q 0 0 0 rg BT 364.62 274.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 390.45 274.10 Td (at ) Tj ET Q q 0 0 0 rg BT 400.16 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.88 274.10 Td (time ) Tj ET Q q 0 0 0 rg BT 435.15 274.10 Td (it ) Tj ET Q q 0 0 0 rg BT 443.21 274.10 Td (became ) Tj ET Q q 0 0 0 rg BT 476.24 274.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 553.69 274.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.16 262.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 98.10 262.10 Td (needed ) Tj ET Q q 0 0 0 rg BT 129.36 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.09 262.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 173.03 262.10 Td (with ) Tj ET Q q 0 0 0 rg BT 193.75 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.92 262.10 Td (plan. ) Tj ET Q q 0 0 0 rg BT 234.08 262.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 289.51 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 300.23 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.40 262.10 Td (event ) Tj ET Q q 0 0 0 rg BT 340.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.27 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.44 262.10 Td (bankruptcy ) Tj ET Q q 0 0 0 rg BT 414.37 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.64 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.81 262.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 468.74 262.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 502.24 262.10 Td (company) Tj ET Q q 0 0 0 rg BT 538.25 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 543.69 262.10 Td (such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 91.53 250.10 Td (would ) Tj ET Q q 0 0 0 rg BT 119.19 250.10 Td (take ) Tj ET Q q 0 0 0 rg BT 138.51 250.10 Td (priority ) Tj ET Q q 0 0 0 rg BT 171.17 250.10 Td (over ) Tj ET Q q 0 0 0 rg BT 191.60 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.48 250.10 Td (parent) Tj ET Q q 0 0 0 rg BT 234.24 250.10 Td (s ) Tj ET Q q 0 0 0 rg BT 240.80 250.10 Td (general ) Tj ET Q q 0 0 0 rg BT 272.89 250.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 316.09 250.10 Td (creditors. ) Tj ET Q q 0 0 0 rg BT 358.74 250.10 Td (In ) Tj ET Q q 0 0 0 rg BT 369.73 250.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 407.67 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.96 250.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 439.06 250.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 473.93 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.81 250.10 Td (various ) Tj ET Q q 0 0 0 rg BT 520.91 250.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 87.55 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.46 238.10 Td (prescribe ) Tj ET Q q 0 0 0 rg BT 138.23 238.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 168.56 238.10 Td (non-capital ) Tj ET Q q 0 0 0 rg BT 216.67 238.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 257.56 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 272.35 238.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 299.36 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.92 238.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 361.16 238.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 394.83 238.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 435.16 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.07 238.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 490.85 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.42 238.10 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.51 226.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 103.35 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.85 226.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 162.23 226.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 220.84 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.35 226.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 271.41 226.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 315.57 226.10 Td (action ) Tj ET Q q 0 0 0 rg BT 343.07 226.10 Td (against ) Tj ET Q q 0 0 0 rg BT 374.47 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 381.97 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 420.02 226.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 463.65 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 481.71 226.10 Td (does ) Tj ET Q q 0 0 0 rg BT 503.11 226.10 Td (not ) Tj ET Q q 0 0 0 rg BT 518.96 226.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 541.46 226.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (standards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 190.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.26 190.10 Td (various ) Tj ET Q q 0 0 0 rg BT 136.40 190.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 166.87 190.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 189.01 190.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 232.82 190.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 269.95 190.10 Td (have ) Tj ET Q q 0 0 0 rg BT 291.54 190.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 325.90 190.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 379.16 190.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 409.64 190.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 456.79 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 474.49 190.10 Td (define ) Tj ET Q q 0 0 0 rg BT 502.18 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.11 190.10 Td (five ) Tj ET Q q 0 0 0 rg BT 535.37 190.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 93.63 178.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 135.04 178.10 Td (by ) Tj ET Q q 0 0 0 rg BT 148.14 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.45 178.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 196.53 178.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 230.74 178.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 272.70 178.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 324.12 178.10 Td (Improvement ) Tj ET Q q 0 0 0 rg BT 380.41 178.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 400.44 178.10 Td (using ) Tj ET Q q 0 0 0 rg BT 425.21 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.52 178.10 Td (total ) Tj ET Q q 0 0 0 rg BT 461.39 178.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 505.58 178.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 537.60 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 543.36 178.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 557.00 178.10 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 93.73 166.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 125.51 166.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 152.03 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.10 166.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 205.59 166.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 234.87 166.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 259.72 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 270.68 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.53 166.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 320.36 166.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 349.64 166.10 Td (measures. ) Tj ET Q q 0 0 0 rg BT 393.90 166.10 Td (A) Tj ET Q q 0 0 0 rg BT 400.57 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 403.20 166.10 Td (well ) Tj ET Q q 0 0 0 rg BT 427.49 166.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 477.86 166.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 521.05 166.10 Td (must ) Tj ET Q q 0 0 0 rg BT 543.13 166.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.84 154.10 Td (T) Tj ET Q q 0 0 0 rg BT 62.59 154.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 75.72 154.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 83.31 154.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 126.99 154.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 156.23 154.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 177.14 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.05 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 197.85 154.10 Td (least ) Tj ET Q q 0 0 0 rg BT 218.76 154.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 237.18 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.20 154.10 Td (total ) Tj ET Q q 0 0 0 rg BT 264.56 154.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 308.24 154.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 337.48 154.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 358.38 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.30 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 379.10 154.10 Td (least ) Tj ET Q q 0 0 0 rg BT 400.01 154.10 Td (10%, ) Tj ET Q q 0 0 0 rg BT 423.42 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.45 154.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 456.92 154.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 486.15 154.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 507.06 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.98 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 527.78 154.10 Td (least ) Tj ET Q q 0 0 0 rg BT 548.69 154.10 Td (5% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.07 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 74.14 142.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 110.64 142.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 131.60 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.56 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 152.41 142.10 Td (least ) Tj ET Q q 0 0 0 rg BT 173.37 142.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 189.33 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.40 142.10 Td (not ) Tj ET Q q 0 0 0 rg BT 221.82 142.10 Td (be ) Tj ET Q q 0 0 0 rg BT 233.89 142.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 264.85 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.26 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 282.33 142.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 311.61 142.10 Td (directive ) Tj ET Q q 0 0 0 rg BT 349.23 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 360.19 142.10 Td (order) Tj ET Q q 0 0 0 rg BT 380.74 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 387.79 142.10 Td (An ) Tj ET Q q 0 0 0 rg BT 402.64 142.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 445.84 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 455.14 142.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 505.52 142.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 555.90 142.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (it ) Tj ET Q q 0 0 0 rg BT 58.02 130.10 Td (has ) Tj ET Q q 0 0 0 rg BT 73.82 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 80.55 130.10 Td (T) Tj ET Q q 0 0 0 rg BT 86.31 130.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 99.32 130.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 106.79 130.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 150.35 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 179.47 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 200.26 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.06 130.10 Td (at ) Tj ET Q q 0 0 0 rg BT 220.74 130.10 Td (least ) Tj ET Q q 0 0 0 rg BT 241.54 130.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 259.83 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 266.74 130.10 Td (total ) Tj ET Q q 0 0 0 rg BT 286.98 130.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 330.55 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 359.66 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 380.46 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.25 130.10 Td (at ) Tj ET Q q 0 0 0 rg BT 400.94 130.10 Td (least ) Tj ET Q q 0 0 0 rg BT 421.73 130.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 440.03 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 446.93 130.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 473.29 130.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 502.41 130.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 523.20 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 534.00 130.10 Td (at ) Tj ET Q q 0 0 0 rg BT 543.68 130.10 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 73.20 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.00 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.81 118.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 133.04 118.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 153.74 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.43 118.10 Td (at ) Tj ET Q q 0 0 0 rg BT 174.02 118.10 Td (least ) Tj ET Q q 0 0 0 rg BT 194.71 118.10 Td (4%. ) Tj ET Q q 0 0 0 rg BT 214.89 118.10 Td (An ) Tj ET Q q 0 0 0 rg BT 229.48 118.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 272.41 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 281.45 118.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 358.76 118.10 Td (if ) Tj ET Q q 0 0 0 rg BT 367.24 118.10 Td (it ) Tj ET Q q 0 0 0 rg BT 375.17 118.10 Td (has ) Tj ET Q q 0 0 0 rg BT 390.86 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 397.50 118.10 Td (T) Tj ET Q q 0 0 0 rg BT 403.26 118.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 416.17 118.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 423.54 118.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 467.01 118.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 496.03 118.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 516.72 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.42 118.10 Td (less ) Tj ET Q q 0 0 0 rg BT 544.79 118.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (6%, ) Tj ET Q q 0 0 0 rg BT 68.19 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 74.99 106.10 Td (total ) Tj ET Q q 0 0 0 rg BT 95.12 106.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 138.57 106.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 167.58 106.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 188.27 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.96 106.10 Td (less ) Tj ET Q q 0 0 0 rg BT 216.31 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 235.89 106.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 254.08 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 260.87 106.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 287.12 106.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 316.13 106.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 336.81 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.50 106.10 Td (less ) Tj ET Q q 0 0 0 rg BT 364.86 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 384.43 106.10 Td (4.5% ) Tj ET Q q 0 0 0 rg BT 407.62 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 418.31 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 425.11 106.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 461.33 106.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 482.01 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.70 106.10 Td (less ) Tj ET Q q 0 0 0 rg BT 510.06 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 529.63 106.10 Td (4%. ) Tj ET Q q 0 0 0 rg BT 549.80 106.10 Td (An ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 93.41 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 102.92 94.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 160.19 94.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 233.55 94.10 Td (if ) Tj ET Q q 0 0 0 rg BT 242.50 94.10 Td (it ) Tj ET Q q 0 0 0 rg BT 250.90 94.10 Td (has ) Tj ET Q q 0 0 0 rg BT 267.08 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.15 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 279.91 94.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 293.30 94.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 301.15 94.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 345.09 94.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 374.58 94.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 395.75 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.93 94.10 Td (less ) Tj ET Q q 0 0 0 rg BT 424.77 94.10 Td (than ) Tj ET Q q 0 0 0 rg BT 444.83 94.10 Td (4%, ) Tj ET Q q 0 0 0 rg BT 463.51 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 470.79 94.10 Td (total ) Tj ET Q q 0 0 0 rg BT 491.41 94.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 535.35 94.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 71.98 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.96 82.10 Td (less ) Tj ET Q q 0 0 0 rg BT 102.62 82.10 Td (than ) Tj ET Q q 0 0 0 rg BT 123.49 82.10 Td (6%. ) Tj ET Q q 0 0 0 rg BT 142.97 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 151.06 82.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 178.60 82.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 208.91 82.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 230.89 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.87 82.10 Td (less ) Tj ET Q q 0 0 0 rg BT 261.52 82.10 Td (than ) Tj ET Q q 0 0 0 rg BT 282.40 82.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 299.38 82.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.36 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 319.46 82.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 356.97 82.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 378.95 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.93 82.10 Td (less ) Tj ET Q q 0 0 0 rg BT 409.59 82.10 Td (than ) Tj ET Q q 0 0 0 rg BT 430.46 82.10 Td (3%. ) Tj ET Q q 0 0 0 rg BT 451.64 82.10 Td (An ) Tj ET Q q 0 0 0 rg BT 467.51 82.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 511.73 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 522.05 82.10 Td (critically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 123.04 70.10 Td (if ) Tj ET Q q 0 0 0 rg BT 131.67 70.10 Td (its ) Tj ET Q q 0 0 0 rg BT 143.65 70.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 178.39 70.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 205.91 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 215.11 70.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 239.29 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.59 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 260.45 70.10 Td (less ) Tj ET Q q 0 0 0 rg BT 277.98 70.10 Td (than ) Tj ET Q q 0 0 0 rg BT 297.72 70.10 Td (2% ) Tj ET Q q 0 0 0 rg BT 313.58 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.44 70.10 Td (total ) Tj ET Q q 0 0 0 rg BT 344.74 70.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 375.59 70.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 414.37 70.10 Td (, ) Tj ET Q q 0 0 0 rg BT 419.39 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 431.36 70.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 474.45 70.10 Td (may ) Tj ET Q q 0 0 0 rg BT 494.19 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 506.16 70.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 554.22 70.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.73 58.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 81.80 58.10 Td (capitalization ) Tj ET Q q 0 0 0 rg BT 137.95 58.10 Td (category ) Tj ET Q q 0 0 0 rg BT 174.67 58.10 Td (if ) Tj ET Q q 0 0 0 rg BT 183.08 58.10 Td (it ) Tj ET Q q 0 0 0 rg BT 190.93 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 199.89 58.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 247.17 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 264.46 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.97 58.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 321.83 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 330.79 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 340.86 58.10 Td (an ) Tj ET Q q 0 0 0 rg BT 352.60 58.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 380.99 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 391.62 58.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 427.80 58.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 467.87 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 478.50 58.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 514.11 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.18 58.10 Td (an ) Tj ET Q q 0 0 0 rg BT 535.91 58.10 Td (unsafe ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 46.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 97.22 46.10 Td (practice.) Tj ET Q endstream endobj 25 0 obj <> endobj 26 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.61 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.44 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.03 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.03 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 194.03 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 209.86 730.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 231.80 730.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 275.40 730.10 Td (met ) Tj ET Q q 0 0 0 rg BT 292.90 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.62 730.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 362.32 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 372.60 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 384.54 730.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 424.80 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 435.63 730.10 Td (well ) Tj ET Q q 0 0 0 rg BT 459.78 730.10 Td (capitalized.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.29 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 99.78 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.47 706.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 149.59 706.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 183.94 706.10 Td (Board) Tj ET Q q 0 0 0 rg BT 211.15 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 217.19 706.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 244.32 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 253.13 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 270.27 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.85 706.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 298.42 706.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 331.12 706.10 Td (company ) Tj ET Q q 0 0 0 rg BT 369.92 706.10 Td (should ) Tj ET Q q 0 0 0 rg BT 398.73 706.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 415.31 706.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 435.21 706.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 476.24 706.10 Td (only ) Tj ET Q q 0 0 0 rg BT 496.16 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.08 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.43 706.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 547.01 706.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.61 694.10 Td (net ) Tj ET Q q 0 0 0 rg BT 75.98 694.10 Td (income ) Tj ET Q q 0 0 0 rg BT 107.57 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.39 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 135.76 694.10 Td (past ) Tj ET Q q 0 0 0 rg BT 154.03 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 173.39 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.22 694.10 Td (suf) Tj ET Q q 0 0 0 rg BT 194.26 694.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 221.96 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.89 694.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 256.26 694.10 Td (both ) Tj ET Q q 0 0 0 rg BT 276.19 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.57 694.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 310.49 694.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 351.54 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.13 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 374.73 694.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 391.87 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.36 694.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 438.39 694.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 476.09 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 493.25 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 502.07 694.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 544.22 694.10 Td (with ) 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 64.76 682.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 97.85 682.10 Td (company) Tj ET Q q 0 0 0 rg BT 137.29 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 143.72 682.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 172.91 682.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 200.72 682.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 222.70 682.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 253.01 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.99 682.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 300.30 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 337.82 682.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 380.63 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.61 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 415.15 682.10 Td (it ) Tj ET Q q 0 0 0 rg BT 423.24 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 432.45 682.10 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 488.30 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.51 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 509.48 682.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.46 682.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (company ) Tj ET Q q 0 0 0 rg BT 88.99 670.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 142.96 670.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 173.62 670.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 210.93 670.10 Td (problems ) Tj ET Q q 0 0 0 rg BT 250.48 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.59 670.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 291.80 670.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 316.36 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.47 670.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 343.24 670.10 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 389.46 670.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 444.27 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 451.04 670.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 472.81 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 490.14 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 499.14 670.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 539.24 670.10 Td (under ) 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 64.72 658.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 96.10 658.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 138.57 658.10 Td (action ) Tj ET Q q 0 0 0 rg BT 165.51 658.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 212.44 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 223.27 658.10 Td (undercapitalized ) Tj ET Q q 0 0 0 rg BT 300.72 658.10 Td (will ) Tj ET Q q 0 0 0 rg BT 318.78 658.10 Td (be ) Tj ET Q q 0 0 0 rg BT 330.72 658.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 374.32 658.10 Td (from ) Tj ET Q q 0 0 0 rg BT 396.26 658.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 425.98 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 442.92 658.10 Td (dividends.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 104.74 634.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 139.59 634.10 Td (source ) Tj ET Q q 0 0 0 rg BT 168.88 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 183.74 634.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 204.70 634.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 246.78 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 256.64 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.05 634.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 314.13 634.10 Td (we ) Tj ET Q q 0 0 0 rg BT 328.98 634.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 361.03 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 383.66 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 400.19 634.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 422.82 634.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 463.28 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 471.47 634.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 490.21 634.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 512.84 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 522.71 634.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.22 634.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (various ) Tj ET Q q 0 0 0 rg BT 82.75 622.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 127.15 622.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 161.56 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.31 622.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 234.82 622.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 268.68 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.76 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.29 622.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 333.03 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.67 622.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 389.37 622.10 Td (including ) Tj ET Q q 0 0 0 rg BT 430.45 622.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 485.96 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.05 622.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 535.35 622.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (above ) Tj ET Q q 0 0 0 rg BT 76.35 610.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 119.92 610.10 Td (minimums. ) Tj ET Q q 0 0 0 rg BT 169.64 610.10 Td (A) Tj ET Q q 0 0 0 rg BT 176.31 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.79 610.10 Td (national ) Tj ET Q q 0 0 0 rg BT 213.47 610.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 235.39 610.10 Td (must ) Tj ET Q q 0 0 0 rg BT 257.31 610.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 284.79 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 299.48 610.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 336.94 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.75 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.44 610.10 Td (Of) Tj ET Q q 0 0 0 rg BT 372.82 610.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 390.28 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.08 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.78 610.10 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 467.14 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.94 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.64 610.10 Td (Currency ) Tj ET Q q 0 0 0 rg BT 532.32 610.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 554.24 610.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 79.39 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 86.00 598.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 123.17 598.10 Td (if ) Tj ET Q q 0 0 0 rg BT 131.46 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.85 598.10 Td (total ) Tj ET Q q 0 0 0 rg BT 165.79 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.30 598.10 Td (all ) Tj ET Q q 0 0 0 rg BT 188.47 598.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 229.53 598.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 265.57 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 277.74 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.13 598.10 Td (national ) Tj ET Q q 0 0 0 rg BT 326.52 598.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 348.13 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.08 598.10 Td (any ) Tj ET Q q 0 0 0 rg BT 374.70 598.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 410.73 598.10 Td (year ) Tj ET Q q 0 0 0 rg BT 430.11 598.10 Td (will ) Tj ET Q q 0 0 0 rg BT 447.85 598.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 477.77 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.16 598.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 511.01 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 521.51 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.90 598.10 Td (bank) Tj ET Q q 0 0 0 rg BT 558.12 598.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (net ) Tj ET Q q 0 0 0 rg BT 65.23 586.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 94.35 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 109.03 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 127.04 586.10 Td (year ) Tj ET Q q 0 0 0 rg BT 147.26 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.71 586.10 Td (its ) Tj ET Q q 0 0 0 rg BT 177.17 586.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 212.39 586.10 Td (net ) Tj ET Q q 0 0 0 rg BT 227.62 586.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 256.74 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 271.42 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.65 586.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 329.09 586.10 Td (two ) Tj ET Q q 0 0 0 rg BT 347.10 586.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 383.98 586.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 410.59 586.10 Td (less ) Tj ET Q q 0 0 0 rg BT 428.60 586.10 Td (any ) Tj ET Q q 0 0 0 rg BT 446.06 586.10 Td (required ) Tj ET Q q 0 0 0 rg BT 482.39 586.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 519.83 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.62 586.10 Td (surplus. ) Tj ET Q q 0 0 0 rg BT 564.51 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 567.01 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 569.51 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 105.22 574.10 Td (if ) Tj ET Q q 0 0 0 rg BT 114.07 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.03 574.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 166.76 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 199.49 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 208.90 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 219.42 574.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 248.25 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.32 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.28 574.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 293.69 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 304.75 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.71 574.10 Td (bank) Tj ET Q q 0 0 0 rg BT 341.93 574.10 Td (s ) Tj ET Q q 0 0 0 rg BT 348.56 574.10 Td (net ) Tj ET Q q 0 0 0 rg BT 363.51 574.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 392.36 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 406.76 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.71 574.10 Td (current ) Tj ET Q q 0 0 0 rg BT 452.76 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 472.71 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.89 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.84 574.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 547.00 574.10 Td (two ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 86.36 562.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 112.46 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.18 562.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 155.78 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 188.27 562.10 Td (can ) Tj ET Q q 0 0 0 rg BT 204.65 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 216.59 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 224.74 562.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 241.67 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 254.17 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.89 562.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 303.59 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 318.31 562.10 Td (profits ) Tj ET Q q 0 0 0 rg BT 346.92 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.75 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.47 562.10 Td (preceding ) Tj ET Q q 0 0 0 rg BT 414.39 562.10 Td (third ) Tj ET Q q 0 0 0 rg BT 435.78 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.71 562.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 479.65 562.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 516.02 562.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 542.11 562.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 538.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.44 538.10 Td (described ) Tj ET Q q 0 0 0 rg BT 140.08 538.10 Td (above ) Tj ET Q q 0 0 0 rg BT 166.28 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 191.37 538.10 Td (--Capital ) Tj ET Q q 0 0 0 rg BT 233.16 538.10 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 273.05 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 282.31 538.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 324.63 538.10 Td (January ) Tj ET Q q 0 0 0 rg BT 358.05 538.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 367.87 538.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 390.19 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.73 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 433.71 538.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 487.13 538.10 Td (buf) Tj ET Q q 0 0 0 rg BT 500.27 538.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 513.70 538.10 Td (requirement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (can ) Tj ET Q q 0 0 0 rg BT 66.38 526.10 Td (also ) Tj ET Q q 0 0 0 rg BT 84.99 526.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 115.25 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 131.08 526.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 159.13 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.07 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.79 526.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 218.84 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.67 526.10 Td (our ) Tj ET Q q 0 0 0 rg BT 245.50 526.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 267.44 526.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 311.04 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 321.32 526.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 338.26 526.10 Td (dividends.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Str) Tj ET Q q 0 0 0 rg BT 63.15 502.10 Td (ess ) Tj ET Q q 0 0 0 rg BT 77.77 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 83.52 502.10 Td (esting. ) Tj ET Q q 0 0 0 rg BT 113.61 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.20 502.10 Td (As ) Tj ET Q q 0 0 0 rg BT 129.90 502.10 Td (required ) Tj ET Q q 0 0 0 rg BT 165.80 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 178.39 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.19 502.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 244.09 502.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 261.11 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.14 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.94 502.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 339.96 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 350.88 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.68 502.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 398.26 502.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 433.05 502.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 460.07 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.10 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.90 502.10 Td (OCC, ) Tj ET Q q 0 0 0 rg BT 517.55 502.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.08 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 80.17 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.14 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 134.78 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.97 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 166.06 490.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 208.92 490.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 232.61 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 252.15 490.10 Td (average ) Tj ET Q q 0 0 0 rg BT 284.99 490.10 Td (total ) Tj ET Q q 0 0 0 rg BT 304.51 490.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 356.81 490.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 381.89 490.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 411.40 490.10 Td (than ) Tj ET Q q 0 0 0 rg BT 430.37 490.10 Td ($10billion, ) Tj ET Q q 0 0 0 rg BT 478.24 490.10 Td (must ) Tj ET Q q 0 0 0 rg BT 499.44 490.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 532.85 490.10 Td (annual, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (company-run ) Tj ET Q q 0 0 0 rg BT 105.95 478.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 130.81 478.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 151.23 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 176.63 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.48 478.10 Td (baseline, ) Tj ET Q q 0 0 0 rg BT 229.38 478.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 262.56 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.63 478.10 Td (severely ) Tj ET Q q 0 0 0 rg BT 315.59 478.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 348.76 478.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 388.60 478.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 426.79 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 439.42 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.28 478.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 484.67 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 519.52 478.10 Td (regulators. ) 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 67.20 466.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 108.85 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 127.72 466.10 Td (also ) Tj ET Q q 0 0 0 rg BT 145.48 466.10 Td (require ) Tj ET Q q 0 0 0 rg BT 175.46 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.33 466.10 Td (use ) Tj ET Q q 0 0 0 rg BT 204.32 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.30 466.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 255.95 466.10 Td (scenarios. ) Tj ET Q q 0 0 0 rg BT 297.19 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 314.40 466.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 338.28 466.10 Td (test ) Tj ET Q q 0 0 0 rg BT 353.82 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 362.15 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 368.24 466.10 Td (process ) Tj ET Q q 0 0 0 rg BT 399.89 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 409.32 466.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 435.42 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.30 466.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 485.94 466.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 514.81 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.80 466.10 Td (scenarios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.80 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.82 454.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 131.16 454.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 170.34 454.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 197.04 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.28 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 243.73 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.86 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 267.10 454.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 310.46 454.10 Td (over ) Tj ET Q q 0 0 0 rg BT 331.03 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.05 454.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 383.85 454.10 Td (horizon, ) Tj ET Q q 0 0 0 rg BT 419.70 454.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 447.50 454.10 Td (into ) Tj ET Q q 0 0 0 rg BT 465.85 454.10 Td (account ) Tj ET Q q 0 0 0 rg BT 499.75 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.77 454.10 Td (institution) Tj ET Q q 0 0 0 rg BT 558.11 454.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 93.78 442.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 118.68 442.10 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 164.68 442.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 205.96 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.91 442.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 265.76 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 284.82 442.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 319.99 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.83 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.55 442.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 373.29 442.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 394.57 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 404.75 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 416.04 442.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 445.65 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 464.15 442.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 512.12 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.50 442.10 Td (robust, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (forward-looking ) Tj ET Q q 0 0 0 rg BT 117.54 430.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 146.19 430.10 Td (planning ) Tj ET Q q 0 0 0 rg BT 183.18 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 200.18 430.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 237.16 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 250.82 430.10 Td (their ) Tj ET Q q 0 0 0 rg BT 271.15 430.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 292.04 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.47 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.25 430.10 Td (help ) Tj ET Q q 0 0 0 rg BT 337.47 430.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 365.57 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 382.56 430.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 429.01 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 449.89 430.10 Td (suf) Tj ET Q q 0 0 0 rg BT 461.93 430.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 489.47 430.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 518.12 430.10 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (times ) Tj ET Q q 0 0 0 rg BT 73.63 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.92 418.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 124.76 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.16 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 178.11 418.10 Td (stress. ) Tj ET Q q 0 0 0 rg BT 204.79 418.10 Td (Beginning ) Tj ET Q q 0 0 0 rg BT 248.42 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 268.17 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.35 418.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 304.31 418.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 328.50 418.10 Td (test, ) Tj ET Q q 0 0 0 rg BT 346.85 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 373.25 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 381.89 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.07 418.10 Td (first ) Tj ET Q q 0 0 0 rg BT 414.14 418.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 438.33 418.10 Td (test ) Tj ET Q q 0 0 0 rg BT 454.18 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 467.80 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 484.20 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 499.50 418.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 520.90 418.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 564.51 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 93.08 406.10 Td (under ) Tj ET Q q 0 0 0 rg BT 117.83 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.04 406.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 180.96 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.16 406.10 Td (company-run ) Tj ET Q q 0 0 0 rg BT 250.46 406.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 274.67 406.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 294.44 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 308.63 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.39 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 329.82 406.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 372.90 406.10 Td (using ) Tj ET Q q 0 0 0 rg BT 396.55 406.10 Td (data ) Tj ET Q q 0 0 0 rg BT 415.20 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 425.51 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.83 406.10 Td (December31st ) Tj ET Q q 0 0 0 rg BT 498.07 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.39 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.59 406.10 Td (preceding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 86.17 394.10 Td (year ) Tj ET Q q 0 0 0 rg BT 105.69 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.44 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.97 394.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 176.49 394.10 Td (released ) Tj ET Q q 0 0 0 rg BT 211.56 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 223.87 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.40 394.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 275.13 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 296.88 394.10 Td (time ) Tj ET Q q 0 0 0 rg BT 316.97 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.06 394.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 349.14 394.10 Td (Aligned ) Tj ET Q q 0 0 0 rg BT 383.66 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 403.75 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.28 394.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 440.03 394.10 Td (year) Tj ET Q q 0 0 0 rg BT 456.84 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 461.65 394.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 486.19 394.10 Td (test ) Tj ET Q q 0 0 0 rg BT 502.39 394.10 Td (results ) Tj ET Q q 0 0 0 rg BT 530.81 394.10 Td (must ) Tj ET Q q 0 0 0 rg BT 552.57 394.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 84.91 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 94.29 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.10 382.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 144.12 382.10 Td (by ) Tj ET Q q 0 0 0 rg BT 155.71 382.10 Td (July31) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 184.88 386.63 Td (st ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.25 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.18 382.10 Td (each ) Tj ET Q q 0 0 0 rg BT 220.09 382.10 Td (year) Tj ET Q q 0 0 0 rg BT 236.90 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 240.99 382.10 Td (with ) Tj ET Q q 0 0 0 rg BT 260.37 382.10 Td (public ) Tj ET Q q 0 0 0 rg BT 286.96 382.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 329.10 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.03 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 345.06 382.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 383.87 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.80 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.61 382.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 431.43 382.10 Td (test ) Tj ET Q q 0 0 0 rg BT 446.91 382.10 Td (results ) Tj ET Q q 0 0 0 rg BT 474.62 382.10 Td (between ) Tj ET Q q 0 0 0 rg BT 509.53 382.10 Td (October15th ) 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 65.91 370.10 Td (October31st. ) Tj ET Q q 0 0 0 rg BT 121.26 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.62 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 139.64 370.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 163.33 370.10 Td (test ) Tj ET Q q 0 0 0 rg BT 178.69 370.10 Td (results ) Tj ET Q q 0 0 0 rg BT 206.27 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 219.95 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 230.86 370.10 Td (important ) Tj ET Q q 0 0 0 rg BT 271.21 370.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 296.00 370.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 340.79 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 352.26 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.94 370.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 397.40 370.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 431.08 370.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 456.99 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.90 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.59 370.10 Td (OCC ) Tj ET Q q 0 0 0 rg BT 508.62 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.87 370.10 Td (evaluating, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (among ) Tj ET Q q 0 0 0 rg BT 80.75 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 104.82 358.10 Td (matters, ) Tj ET Q q 0 0 0 rg BT 140.29 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.04 358.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 186.22 358.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 227.50 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.36 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.11 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 297.52 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 315.49 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 332.35 358.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 376.99 358.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 399.96 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 417.93 358.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 453.67 358.10 Td (any ) Tj ET Q q 0 0 0 rg BT 471.64 358.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 511.83 358.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 553.68 358.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 91.59 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 102.62 346.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 126.43 346.10 Td (repurchases ) Tj ET Q q 0 0 0 rg BT 176.33 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 196.25 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 208.39 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 220.53 346.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 249.34 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 260.37 346.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 296.96 346.10 Td (practice. ) Tj ET Q q 0 0 0 rg BT 333.81 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 336.31 346.10 Td (W) Tj ET Q q 0 0 0 rg BT 344.95 346.10 Td (e ) Tj ET Q q 0 0 0 rg BT 352.09 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.23 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 385.27 346.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 429.08 346.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 451.22 346.10 Td (must ) Tj ET Q q 0 0 0 rg BT 473.37 346.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 509.95 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.87 346.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.68 346.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 74.56 334.10 Td (tests ) Tj ET Q q 0 0 0 rg BT 94.68 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.80 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.36 334.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 150.02 334.10 Td (course ) Tj ET Q q 0 0 0 rg BT 178.46 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.13 334.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 227.86 334.10 Td (including ) Tj ET Q q 0 0 0 rg BT 267.98 334.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 324.19 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.86 334.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.85 334.10 Td (planning, ) Tj ET Q q 0 0 0 rg BT 403.69 334.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 450.46 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.14 334.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 490.13 334.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 530.22 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 547.00 334.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.59 322.10 Td (practices. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 84.93 298.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 119.32 298.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 164.28 298.10 Td (Reform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.54 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 204.05 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 221.76 298.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 246.72 298.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 287.77 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.15 298.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 335.43 298.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 376.47 298.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 399.20 298.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 416.92 298.10 Td (DIF\). ) Tj ET Q q 0 0 0 rg BT 452.25 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 469.96 298.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 501.02 298.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 538.18 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 298.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.90 286.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 115.48 286.10 Td (are ) Tj ET Q q 0 0 0 rg BT 130.15 286.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 162.06 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 174.52 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.20 286.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 207.78 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.03 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.71 286.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 275.73 286.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 308.19 286.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 346.20 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 358.67 286.10 Td (law) Tj ET Q q 0 0 0 rg BT 372.46 286.10 Td (. ) Tj ET Q q 0 0 0 rg BT 379.74 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 397.76 286.10 Td (general ) Tj ET Q q 0 0 0 rg BT 429.65 286.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 470.43 286.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 491.78 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 500.92 286.10 Td ($250 ) Tj ET Q q 0 0 0 rg BT 523.39 286.10 Td (thousand. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (This ) Tj ET Q q 0 0 0 rg BT 70.28 274.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 111.09 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 120.26 274.10 Td (backed ) Tj ET Q q 0 0 0 rg BT 151.08 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 163.58 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.30 274.10 Td (full ) Tj ET Q q 0 0 0 rg BT 194.68 274.10 Td (faith ) Tj ET Q q 0 0 0 rg BT 215.51 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.45 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.71 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.54 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.26 274.10 Td (United ) Tj ET Q q 0 0 0 rg BT 312.97 274.10 Td (States ) Tj ET Q q 0 0 0 rg BT 339.36 274.10 Td (Government.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.96 250.10 Td (insurer) Tj ET Q q 0 0 0 rg BT 127.33 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 132.68 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.75 250.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 173.38 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.90 250.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 227.95 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 238.58 250.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 273.08 250.10 Td (examinations ) Tj ET Q q 0 0 0 rg BT 329.25 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.43 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.72 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.34 250.10 Td (require ) Tj ET Q q 0 0 0 rg BT 399.51 250.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 439.01 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 451.86 250.10 Td (DIF-insured ) Tj ET Q q 0 0 0 rg BT 503.59 250.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 555.90 250.10 Td (It ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.73 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 88.58 238.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 122.87 238.10 Td (any ) Tj ET Q q 0 0 0 rg BT 139.93 238.10 Td (DIF-insured ) Tj ET Q q 0 0 0 rg BT 191.44 238.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 234.63 238.10 Td (from ) Tj ET Q q 0 0 0 rg BT 256.69 238.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 295.97 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.38 238.10 Td (any ) Tj ET Q q 0 0 0 rg BT 323.44 238.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 356.06 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.90 238.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 396.31 238.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 442.81 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 455.43 238.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 498.60 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 509.56 238.10 Td (order ) Tj ET Q q 0 0 0 rg BT 533.28 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 543.69 238.10 Td (pose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.94 226.10 Td (serious ) Tj ET Q q 0 0 0 rg BT 87.77 226.10 Td (threat ) Tj ET Q q 0 0 0 rg BT 113.03 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.31 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.03 226.10 Td (DIF) Tj ET Q q 0 0 0 rg BT 153.34 226.10 Td (. ) Tj ET Q q 0 0 0 rg BT 160.66 226.10 Td (The ) Tj ET Q q 0 0 0 rg BT 178.71 226.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 203.99 226.10 Td (also ) Tj ET Q q 0 0 0 rg BT 222.60 226.10 Td (has ) Tj ET Q q 0 0 0 rg BT 238.43 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.14 226.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 291.75 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.03 226.10 Td (take ) Tj ET Q q 0 0 0 rg BT 321.18 226.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 373.65 226.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 404.48 226.10 Td (against ) Tj ET Q q 0 0 0 rg BT 435.30 226.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 467.24 226.10 Td (institutions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (As ) Tj ET Q q 0 0 0 rg BT 100.10 202.10 Td (required ) Tj ET Q q 0 0 0 rg BT 136.40 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 149.38 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.58 202.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 215.79 202.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 235.72 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.92 202.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 276.69 202.10 Td (has ) Tj ET Q q 0 0 0 rg BT 293.00 202.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 327.64 202.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 350.06 202.10 Td (under ) Tj ET Q q 0 0 0 rg BT 375.82 202.10 Td (which ) Tj ET Q q 0 0 0 rg BT 403.24 202.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 444.54 202.10 Td (premiums ) Tj ET Q q 0 0 0 rg BT 487.52 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 502.71 202.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 539.58 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 552.56 202.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (institution) Tj ET Q q 0 0 0 rg BT 93.34 190.10 Td (s ) Tj ET Q q 0 0 0 rg BT 99.84 190.10 Td (total ) Tj ET Q q 0 0 0 rg BT 120.22 190.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 146.16 190.10 Td (minus ) Tj ET Q q 0 0 0 rg BT 173.21 190.10 Td (its ) Tj ET Q q 0 0 0 rg BT 185.27 190.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 220.09 190.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 247.69 190.10 Td (\(defined ) Tj ET Q q 0 0 0 rg BT 283.61 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 294.36 190.10 Td (T) Tj ET Q q 0 0 0 rg BT 300.12 190.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 313.27 190.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 320.88 190.10 Td (capital\). ) Tj ET Q q 0 0 0 rg BT 358.47 190.10 Td (For ) Tj ET Q q 0 0 0 rg BT 374.97 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.01 190.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 404.06 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 424.45 190.10 Td (total ) Tj ET Q q 0 0 0 rg BT 444.83 190.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 470.76 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.70 190.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 499.31 190.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 528.03 190.10 Td (or ) Tj ET Q q 0 0 0 rg BT 538.97 190.10 Td (more, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 75.12 178.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 121.88 178.10 Td (require ) Tj ET Q q 0 0 0 rg BT 152.53 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.08 178.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 188.85 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 198.96 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 210.74 178.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 246.95 178.10 Td (under ) Tj ET Q q 0 0 0 rg BT 272.05 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 278.82 178.10 Td (scorecard ) Tj ET Q q 0 0 0 rg BT 319.46 178.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 354.12 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 372.00 178.10 Td (scorecard ) Tj ET Q q 0 0 0 rg BT 412.64 178.10 Td (method ) Tj ET Q q 0 0 0 rg BT 444.97 178.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 464.52 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 471.29 178.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 524.15 178.10 Td (score ) Tj ET Q q 0 0 0 rg BT 547.58 178.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.93 166.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 74.99 166.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 109.14 166.10 Td (score, ) Tj ET Q q 0 0 0 rg BT 135.23 166.10 Td (which ) Tj ET Q q 0 0 0 rg BT 162.16 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 176.86 166.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 218.79 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.72 166.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 277.64 166.10 Td (into ) Tj ET Q q 0 0 0 rg BT 295.69 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 307.63 166.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 333.45 166.10 Td (base ) Tj ET Q q 0 0 0 rg BT 353.71 166.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 400.65 166.10 Td (rate. ) Tj ET Q q 0 0 0 rg BT 422.94 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 440.99 166.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 494.00 166.10 Td (score ) Tj ET Q q 0 0 0 rg BT 517.59 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 526.76 166.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.02 166.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 90.25 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.63 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.89 154.10 Td (bank) Tj ET Q q 0 0 0 rg BT 139.11 154.10 Td (s ) Tj ET Q q 0 0 0 rg BT 146.05 154.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 174.64 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.47 154.10 Td (withstand ) Tj ET Q q 0 0 0 rg BT 227.40 154.10 Td (asset-related ) Tj ET Q q 0 0 0 rg BT 280.42 154.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 305.68 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.17 154.10 Td (funding-related ) Tj ET Q q 0 0 0 rg BT 387.86 154.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 413.12 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.61 154.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 470.31 154.10 Td (CAMELS ) Tj ET Q q 0 0 0 rg BT 513.92 154.10 Td (ratings. ) 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 (loss ) Tj ET Q q 0 0 0 rg BT 67.56 142.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 101.22 142.10 Td (score ) Tj ET Q q 0 0 0 rg BT 124.32 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 132.99 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 139.43 142.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 174.75 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.08 142.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 222.08 142.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 247.97 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 257.75 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.97 142.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 296.75 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 306.53 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.75 142.10 Td (event ) Tj ET Q q 0 0 0 rg BT 344.41 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.74 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.96 142.10 Td (bank) Tj ET Q q 0 0 0 rg BT 391.18 142.10 Td (s ) Tj ET Q q 0 0 0 rg BT 397.07 142.10 Td (failure. ) Tj ET Q q 0 0 0 rg BT 427.67 142.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 454.66 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.10 142.10 Td (formula, ) Tj ET Q q 0 0 0 rg BT 497.26 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.47 142.10 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (score ) Tj ET Q q 0 0 0 rg BT 73.67 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.67 130.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 108.80 130.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 143.02 130.10 Td (score ) Tj ET Q q 0 0 0 rg BT 166.69 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 181.46 130.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 223.46 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.47 130.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 282.46 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.81 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 299.81 130.10 Td (total ) Tj ET Q q 0 0 0 rg BT 320.15 130.10 Td (score ) Tj ET Q q 0 0 0 rg BT 343.82 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 361.38 130.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 407.82 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.61 130.10 Td (bank) Tj ET Q q 0 0 0 rg BT 444.82 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 451.28 130.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 477.18 130.10 Td (base ) Tj ET Q q 0 0 0 rg BT 497.52 130.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 544.52 130.10 Td (rate. ) 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 68.78 118.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 94.80 118.10 Td (has ) Tj ET Q q 0 0 0 rg BT 111.37 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.82 118.10 Td (discretion ) Tj ET Q q 0 0 0 rg BT 169.49 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.51 118.10 Td (alter ) Tj ET Q q 0 0 0 rg BT 201.51 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.96 118.10 Td (total ) Tj ET Q q 0 0 0 rg BT 237.97 118.10 Td (score ) Tj ET Q q 0 0 0 rg BT 262.30 118.10 Td (based ) Tj ET Q q 0 0 0 rg BT 288.31 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 301.55 118.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 331.99 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 348.00 118.10 Td (captured ) Tj ET Q q 0 0 0 rg BT 385.66 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 398.90 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 414.35 118.10 Td (scorecard. ) Tj ET Q q 0 0 0 rg BT 460.66 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 479.44 118.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 517.68 118.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 544.24 118.10 Td (base ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 96.67 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 113.89 106.10 Td (is ) Tj ET Q q 0 0 0 rg BT 122.79 106.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 153.34 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.35 106.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 213.36 106.10 Td (downward ) Tj ET Q q 0 0 0 rg BT 257.80 106.10 Td (based ) Tj ET Q q 0 0 0 rg BT 282.80 106.10 Td (on ) Tj ET Q q 0 0 0 rg BT 295.03 106.10 Td (long ) Tj ET Q q 0 0 0 rg BT 315.04 106.10 Td (term ) Tj ET Q q 0 0 0 rg BT 335.60 106.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 378.37 106.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 397.82 106.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 425.05 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 437.28 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.73 106.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 475.90 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.91 106.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 532.02 106.10 Td (upward ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.44 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.12 94.10 Td (long ) Tj ET Q q 0 0 0 rg BT 108.57 94.10 Td (term ) Tj ET Q q 0 0 0 rg BT 129.57 94.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 172.78 94.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 192.67 94.10 Td (held ) Tj ET Q q 0 0 0 rg BT 212.57 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 225.24 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.13 94.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 262.25 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 279.92 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 289.26 94.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 316.94 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.61 94.10 Td (other ) Tj ET Q q 0 0 0 rg BT 352.83 94.10 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 411.06 94.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 460.69 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.80 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.25 94.10 Td (further ) Tj ET Q q 0 0 0 rg BT 518.13 94.10 Td (adjustment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (upward ) Tj ET Q q 0 0 0 rg BT 82.64 82.10 Td (if ) Tj ET Q q 0 0 0 rg BT 91.40 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.26 82.10 Td (bank) Tj ET Q q 0 0 0 rg BT 128.48 82.10 Td (s ) Tj ET Q q 0 0 0 rg BT 135.02 82.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 173.21 82.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 208.63 82.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 239.04 82.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 260.01 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.99 82.10 Td (its ) Tj ET Q q 0 0 0 rg BT 283.09 82.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 321.84 82.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 362.27 82.10 Td (Modifications ) Tj ET Q q 0 0 0 rg BT 421.02 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.45 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.32 82.10 Td (scorecard ) Tj ET Q q 0 0 0 rg BT 487.27 82.10 Td (method ) Tj ET Q q 0 0 0 rg BT 519.91 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 539.78 82.10 Td (apply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.42 70.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 90.26 70.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 122.89 70.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 159.97 70.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 214.00 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 216.64 70.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 254.31 70.10 Td (, ) Tj ET Q q 0 0 0 rg BT 259.45 70.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 285.42 70.10 Td (base ) Tj ET Q q 0 0 0 rg BT 305.83 70.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 352.91 70.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 374.42 70.10 Td (range ) Tj ET Q q 0 0 0 rg BT 399.27 70.10 Td (from ) Tj ET Q q 0 0 0 rg BT 421.35 70.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 428.98 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.40 70.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 452.04 70.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 474.68 70.10 Td (points ) Tj ET Q q 0 0 0 rg BT 501.77 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.85 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 533.69 70.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.11 58.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 89.64 58.10 Td (adjustments. ) Tj ET Q q 0 0 0 rg BT 142.24 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.57 58.10 Td (In ) Tj ET Q q 0 0 0 rg BT 155.23 58.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 192.83 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.38 58.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 232.49 58.10 Td (may ) Tj ET Q q 0 0 0 rg BT 252.04 58.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 287.12 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 297.78 58.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 334.52 58.10 Td (its ) Tj ET Q q 0 0 0 rg BT 346.30 58.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.61 58.10 Td (schedules ) Tj ET Q q 0 0 0 rg BT 404.82 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 417.15 58.10 Td (2.0 ) Tj ET Q q 0 0 0 rg BT 431.98 58.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 454.31 58.10 Td (points ) Tj ET Q q 0 0 0 rg BT 481.08 58.10 Td (without ) Tj ET Q q 0 0 0 rg BT 513.97 58.10 Td (rulemaking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 77.22 46.10 Td (an ) Tj ET Q q 0 0 0 rg BT 89.16 46.10 Td (emer) Tj ET Q q 0 0 0 rg BT 108.96 46.10 Td (gency) Tj ET Q q 0 0 0 rg BT 132.19 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 137.19 46.10 Td (may ) Tj ET Q q 0 0 0 rg BT 156.90 46.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 188.29 46.10 Td (a ) Tj ET Q q 0 0 0 rg BT 195.23 46.10 Td (special ) Tj ET Q q 0 0 0 rg BT 225.49 46.10 Td (assessment.) Tj ET Q endstream endobj 27 0 obj <> endobj 28 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 730.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 123.49 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.75 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.45 730.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 199.27 730.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 218.69 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.40 730.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 258.66 730.10 Td (has ) Tj ET Q q 0 0 0 rg BT 274.48 730.10 Td (established ) Tj ET Q q 0 0 0 rg BT 321.40 730.10 Td (2.0% ) Tj ET Q q 0 0 0 rg BT 344.71 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 355.53 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.23 730.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 415.48 730.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 446.83 730.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 467.64 730.10 Td (\(DRR\), ) Tj ET Q q 0 0 0 rg BT 499.85 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 517.33 730.10 Td (is, ) Tj ET Q q 0 0 0 rg BT 528.99 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.69 730.10 Td (ratio ) 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 61.49 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.87 718.10 Td (DIF ) Tj ET Q q 0 0 0 rg BT 96.14 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.08 718.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 139.68 718.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 177.89 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 196.60 718.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 222.54 718.10 Td (has ) Tj ET Q q 0 0 0 rg BT 239.03 718.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 273.85 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 281.45 718.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 301.83 718.10 Td (under ) Tj ET Q q 0 0 0 rg BT 327.75 718.10 Td (which ) Tj ET Q q 0 0 0 rg BT 355.35 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 364.07 718.10 Td (will ) Tj ET Q q 0 0 0 rg BT 382.79 718.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 405.38 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.76 718.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 458.92 718.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 500.97 718.10 Td (DRR ) Tj ET Q q 0 0 0 rg BT 524.69 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.18 718.10 Td (1.35% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (\(formerly ) Tj ET Q q 0 0 0 rg BT 90.97 706.10 Td (1.15%\) ) Tj ET Q q 0 0 0 rg BT 122.78 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 135.44 706.10 Td (September30, ) Tj ET Q q 0 0 0 rg BT 195.85 706.10 Td (2020, ) Tj ET Q q 0 0 0 rg BT 221.01 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.88 706.10 Td (deadline ) Tj ET Q q 0 0 0 rg BT 272.40 706.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 308.95 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 321.60 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.47 706.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 387.42 706.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 407.01 706.10 Td () Tj ET Q q 0 0 0 rg BT 409.33 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 427.53 706.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 479.07 706.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 513.93 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.80 706.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 554.24 706.10 Td (to ) 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 58.15 694.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 76.05 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.72 694.10 Td (ef) Tj ET Q q 0 0 0 rg BT 99.31 694.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 117.75 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.54 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.22 694.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 181.43 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 192.67 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.34 694.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 246.80 694.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 289.15 694.10 Td (DRR ) Tj ET Q q 0 0 0 rg BT 313.17 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 324.40 694.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 353.69 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 367.15 694.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 415.06 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 436.30 694.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 463.09 694.10 Td (less ) Tj ET Q q 0 0 0 rg BT 481.54 694.10 Td (than ) Tj ET Q q 0 0 0 rg BT 502.22 694.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 520.68 694.10 Td (billion.) Tj ET Q q 0 0 0 rg BT 551.61 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 557.02 694.10 Td (o ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 95.76 682.10 Td (this ) Tj ET Q q 0 0 0 rg BT 113.19 682.10 Td (of) Tj ET Q q 0 0 0 rg BT 121.34 682.10 Td (fset, ) Tj ET Q q 0 0 0 rg BT 141.27 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.47 682.10 Td (FDIC) Tj ET Q q 0 0 0 rg BT 182.03 682.10 Td (s ) Tj ET Q q 0 0 0 rg BT 188.91 682.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 211.34 682.10 Td (require ) Tj ET Q q 0 0 0 rg BT 242.64 682.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 290.08 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 310.85 682.10 Td (total ) Tj ET Q q 0 0 0 rg BT 331.61 682.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 357.92 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.24 682.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 387.23 682.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 416.33 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.65 682.10 Td (more ) Tj ET Q q 0 0 0 rg BT 451.18 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.95 682.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 479.37 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 486.80 682.10 Td (surchar) Tj ET Q q 0 0 0 rg BT 516.05 682.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 528.47 682.10 Td (during ) Tj ET Q q 0 0 0 rg BT 557.57 682.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 93.59 670.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.72 646.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 134.38 646.10 Td (all ) Tj ET Q q 0 0 0 rg BT 146.77 646.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 193.61 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 213.78 646.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 248.95 646.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 280.78 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 293.17 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.77 646.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 332.95 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 347.55 646.10 Td (required ) Tj ET Q q 0 0 0 rg BT 383.25 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 393.42 646.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 410.25 646.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 460.97 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.14 646.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 491.86 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 523.68 646.10 Td (payments ) 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 61.46 634.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 86.81 634.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 113.27 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 124.73 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.40 634.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 179.86 634.10 Td (Corporation, ) Tj ET Q q 0 0 0 rg BT 232.14 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 238.04 634.10 Td (mixed-ownership ) Tj ET Q q 0 0 0 rg BT 309.48 634.10 Td (government ) Tj ET Q q 0 0 0 rg BT 358.71 634.10 Td (corporation ) Tj ET Q q 0 0 0 rg BT 406.26 634.10 Td (established ) Tj ET Q q 0 0 0 rg BT 452.15 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.39 634.10 Td (recapitalize ) Tj ET Q q 0 0 0 rg BT 508.92 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.82 634.10 Td (predecessor ) 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 60.28 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 622.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 108.60 622.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 149.97 622.10 Td (Fund. ) Tj ET Q q 0 0 0 rg BT 177.85 622.10 Td (These ) Tj ET Q q 0 0 0 rg BT 204.23 622.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 255.06 622.10 Td (will ) Tj ET Q q 0 0 0 rg BT 273.12 622.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 310.05 622.10 Td (until ) Tj ET Q q 0 0 0 rg BT 330.88 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.60 622.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 388.10 622.10 Td (Corporation ) Tj ET Q q 0 0 0 rg BT 438.92 622.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 465.31 622.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 495.58 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 505.85 622.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 127.59 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.64 598.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 174.14 598.10 Td (may ) Tj ET Q q 0 0 0 rg BT 194.08 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 206.24 598.10 Td (terminated ) Tj ET Q q 0 0 0 rg BT 251.72 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 264.44 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.38 598.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 304.89 598.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 327.61 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.77 598.10 Td (finding ) Tj ET Q q 0 0 0 rg BT 366.38 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 384.10 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.04 598.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 442.32 598.10 Td (has ) Tj ET Q q 0 0 0 rg BT 458.37 598.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 494.41 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 505.46 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 514.85 598.10 Td (engaging ) Tj ET Q q 0 0 0 rg BT 554.23 598.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 79.26 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 96.85 586.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 133.90 586.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 175.09 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 184.92 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 195.86 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 208.46 586.10 Td (unsafe ) Tj ET Q q 0 0 0 rg BT 237.71 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 249.20 586.10 Td (unsound ) Tj ET Q q 0 0 0 rg BT 286.25 586.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 327.18 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.12 586.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 375.71 586.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 420.52 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 432.01 586.10 Td (has ) Tj ET Q q 0 0 0 rg BT 448.50 586.10 Td (violated ) Tj ET Q q 0 0 0 rg BT 483.87 586.10 Td (any ) Tj ET Q q 0 0 0 rg BT 501.47 586.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 545.71 586.10 Td (law) Tj ET Q q 0 0 0 rg BT 559.50 586.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (regulation, ) Tj ET Q q 0 0 0 rg BT 95.90 574.10 Td (rule, ) Tj ET Q q 0 0 0 rg BT 116.81 574.10 Td (order ) Tj ET Q q 0 0 0 rg BT 140.77 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.96 574.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 192.59 574.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 229.34 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 242.20 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.28 574.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 282.92 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 294.11 574.10 Td (written ) Tj ET Q q 0 0 0 rg BT 325.30 574.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 369.80 574.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 402.08 574.10 Td (into ) Tj ET Q q 0 0 0 rg BT 420.50 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 441.14 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.21 574.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 484.15 574.10 Td (W) Tj ET Q q 0 0 0 rg BT 492.79 574.10 Td (e ) Tj ET Q q 0 0 0 rg BT 500.09 574.10 Td (do ) Tj ET Q q 0 0 0 rg BT 512.95 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 528.59 574.10 Td (know ) 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 (any ) Tj ET Q q 0 0 0 rg BT 66.94 562.10 Td (practice, ) Tj ET Q q 0 0 0 rg BT 103.58 562.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 143.85 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 154.68 562.10 Td (violation ) Tj ET Q q 0 0 0 rg BT 192.73 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 210.23 562.10 Td (might ) Tj ET Q q 0 0 0 rg BT 236.06 562.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 255.22 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.50 562.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 314.10 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.93 562.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 356.31 562.10 Td (insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 550.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.93 538.10 Td (ransactions ) Tj ET Q q 0 0 0 rg BT 108.04 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 129.44 538.10 Td (Affiliates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.82 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.30 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 184.94 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 192.60 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.26 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 226.81 538.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 249.47 538.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 293.80 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.22 538.10 Td (af) Tj ET Q q 0 0 0 rg BT 316.81 538.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 347.24 538.10 Td (within ) Tj ET Q q 0 0 0 rg BT 376.02 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.46 538.10 Td (meaning ) Tj ET Q q 0 0 0 rg BT 429.11 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.66 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.10 538.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 489.31 538.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 524.02 538.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 546.45 538.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 83.62 526.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 118.66 526.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 136.73 526.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 173.14 526.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 219.56 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.19 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 241.26 526.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 264.34 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 285.75 526.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 317.70 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.11 526.10 Td (extensions ) Tj ET Q q 0 0 0 rg BT 374.96 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.93 526.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 413.32 526.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 427.24 526.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 478.65 526.10 Td (in, ) Tj ET Q q 0 0 0 rg BT 492.56 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.63 526.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 541.47 526.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 100.40 514.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 123.31 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 135.39 514.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 163.00 514.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 185.07 514.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 218.26 514.10 Td (company ) Tj ET Q q 0 0 0 rg BT 257.55 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.62 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.47 514.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 322.66 514.10 Td (company) Tj ET Q q 0 0 0 rg BT 362.09 514.10 Td (s ) Tj ET Q q 0 0 0 rg BT 368.61 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 391.79 514.10 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 446.64 514.10 Td (Furthermore, ) Tj ET Q q 0 0 0 rg BT 501.76 514.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 523.83 514.10 Td (loans ) 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 (extensions ) Tj ET Q q 0 0 0 rg BT 94.72 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.55 502.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 130.81 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.09 502.10 Td (af) Tj ET Q q 0 0 0 rg BT 148.68 502.10 Td (filiates ) Tj ET Q q 0 0 0 rg BT 178.39 502.10 Td (also ) Tj ET Q q 0 0 0 rg BT 197.00 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 211.70 502.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 242.53 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 252.81 502.10 Td (various ) Tj ET Q q 0 0 0 rg BT 284.75 502.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 324.44 502.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 102.78 478.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 162.40 478.10 Td (Act.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.89 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 184.06 478.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 210.72 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.61 478.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 274.06 478.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 330.35 478.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 348.96 478.10 Td (every ) Tj ET Q q 0 0 0 rg BT 372.83 478.10 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 430.05 478.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 472.28 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 480.62 478.10 Td (obligated, ) Tj ET Q q 0 0 0 rg BT 522.00 478.10 Td (consistent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.39 466.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 89.09 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 106.14 466.10 Td (sound ) Tj ET Q q 0 0 0 rg BT 132.64 466.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 167.47 466.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 208.11 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.50 466.10 Td (help ) Tj ET Q q 0 0 0 rg BT 238.32 466.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 260.36 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.19 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 300.56 466.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 325.94 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.88 466.10 Td (its ) Tj ET Q q 0 0 0 rg BT 348.94 466.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 395.98 466.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 417.74 466.10 Td (including ) Tj ET Q q 0 0 0 rg BT 458.12 466.10 Td (low ) Tj ET Q q 0 0 0 rg BT 475.73 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.78 466.10 Td (moderate ) Tj ET Q q 0 0 0 rg BT 532.59 466.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (neighborhoods. ) Tj ET Q q 0 0 0 rg BT 117.49 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 136.32 454.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 187.39 454.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 244.94 454.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 262.67 454.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 298.16 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.66 454.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 362.48 454.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 393.52 454.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 429.02 454.10 Td (regulator) Tj ET Q q 0 0 0 rg BT 464.72 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 470.50 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.57 454.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 528.73 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 101.30 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.50 442.10 Td (an ) Tj ET Q q 0 0 0 rg BT 122.80 442.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 154.11 442.10 Td (institution, ) Tj ET Q q 0 0 0 rg BT 199.04 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.69 442.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 235.00 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.09 442.10 Td (institution) Tj ET Q q 0 0 0 rg BT 292.43 442.10 Td (s ) Tj ET Q q 0 0 0 rg BT 298.19 442.10 Td (record ) Tj ET Q q 0 0 0 rg BT 325.60 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.79 442.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 369.88 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.96 442.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 408.59 442.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 433.23 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.43 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 454.75 442.10 Td (community ) Tj ET Q q 0 0 0 rg BT 502.17 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.48 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.13 442.10 Td (consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (this ) Tj ET Q q 0 0 0 rg BT 67.25 430.10 Td (record ) Tj ET Q q 0 0 0 rg BT 95.59 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.17 430.10 Td (its ) Tj ET Q q 0 0 0 rg BT 118.42 430.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 162.87 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.00 430.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 204.01 430.10 Td (applications, ) Tj ET Q q 0 0 0 rg BT 257.63 430.10 Td (such ) Tj ET Q q 0 0 0 rg BT 278.76 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 289.89 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.13 430.10 Td (mer) Tj ET Q q 0 0 0 rg BT 312.50 430.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 328.07 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 339.20 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.22 430.10 Td (establishment ) Tj ET Q q 0 0 0 rg BT 412.01 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.14 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.38 430.10 Td (branch. ) Tj ET Q q 0 0 0 rg BT 464.77 430.10 Td (An ) Tj ET Q q 0 0 0 rg BT 479.80 430.10 Td (unsatisfactory ) Tj ET Q q 0 0 0 rg BT 538.69 430.10 Td (rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.58 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 81.38 418.10 Td (used ) Tj ET Q q 0 0 0 rg BT 102.08 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 112.77 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.35 418.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 149.71 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.74 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.32 418.10 Td (denial ) Tj ET Q q 0 0 0 rg BT 205.11 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.81 418.10 Td (an ) Tj ET Q q 0 0 0 rg BT 227.61 418.10 Td (application ) Tj ET Q q 0 0 0 rg BT 274.40 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.20 418.10 Td (will ) Tj ET Q q 0 0 0 rg BT 309.12 418.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 341.47 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.27 418.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 370.07 418.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 402.99 418.10 Td (company ) Tj ET Q q 0 0 0 rg BT 442.01 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.71 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.29 418.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 510.21 418.10 Td (from ) Tj ET Q q 0 0 0 rg BT 532.01 418.10 Td (making ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 61.94 406.10 Td (election ) Tj ET Q q 0 0 0 rg BT 96.09 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.37 406.10 Td (become ) Tj ET Q q 0 0 0 rg BT 139.96 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 146.90 406.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 184.38 406.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 217.44 406.10 Td (company) Tj ET Q q 0 0 0 rg BT 253.44 406.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 382.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.61 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.44 382.10 Td (its ) Tj ET Q q 0 0 0 rg BT 122.39 382.10 Td (last ) Tj ET Q q 0 0 0 rg BT 138.78 382.10 Td (examination, ) Tj ET Q q 0 0 0 rg BT 193.21 382.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 211.27 382.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 250.98 382.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 274.59 382.10 Td (received ) Tj ET Q q 0 0 0 rg BT 310.95 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 317.89 382.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 368.17 382.10 Td (Reinvestment ) Tj ET Q q 0 0 0 rg BT 425.11 382.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 442.05 382.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 467.88 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 478.71 382.10 Td (outstanding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Interstate ) Tj ET Q q 0 0 0 rg BT 94.92 358.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 134.33 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.73 358.10 Td (Branching.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.24 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 206.77 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 225.60 358.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 258.85 358.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 294.34 358.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 322.05 358.10 Td (may ) Tj ET Q q 0 0 0 rg BT 342.54 358.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 378.02 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 390.73 358.10 Td (application ) Tj ET Q q 0 0 0 rg BT 438.44 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.04 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 457.75 358.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 480.46 358.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 514.29 358.10 Td (company ) Tj ET Q q 0 0 0 rg BT 554.22 358.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 81.32 346.10 Td (control ) Tj ET Q q 0 0 0 rg BT 111.54 346.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 124.27 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 134.49 346.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 165.81 346.10 Td (all ) Tj ET Q q 0 0 0 rg BT 177.70 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 187.93 346.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 240.38 346.10 Td (all ) Tj ET Q q 0 0 0 rg BT 252.27 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.50 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.61 346.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 301.83 346.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 314.56 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 320.89 346.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 342.23 346.10 Td (located ) Tj ET Q q 0 0 0 rg BT 373.00 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 382.67 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 389.01 346.10 Td (state ) Tj ET Q q 0 0 0 rg BT 409.23 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 431.67 346.10 Td (than ) Tj ET Q q 0 0 0 rg BT 450.78 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.90 346.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 486.23 346.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 518.68 346.10 Td (company) Tj ET Q q 0 0 0 rg BT 558.12 346.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (home ) Tj ET Q q 0 0 0 rg BT 74.62 334.10 Td (state, ) Tj ET Q q 0 0 0 rg BT 97.84 334.10 Td (without ) Tj ET Q q 0 0 0 rg BT 130.80 334.10 Td (regard ) Tj ET Q q 0 0 0 rg BT 158.73 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 168.91 334.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 203.51 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.13 334.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 264.40 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 273.47 334.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 316.97 334.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.37 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.99 334.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 364.72 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.45 334.10 Td (any ) Tj ET Q q 0 0 0 rg BT 392.28 334.10 Td (state. ) Tj ET Q q 0 0 0 rg BT 417.83 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 435.78 334.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 468.16 334.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 502.77 334.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 529.61 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 549.22 334.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 84.48 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.97 322.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 145.12 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.73 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.44 322.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 184.15 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 201.42 322.10 Td (has ) Tj ET Q q 0 0 0 rg BT 217.02 322.10 Td (not ) Tj ET Q q 0 0 0 rg BT 232.07 322.10 Td (been ) Tj ET Q q 0 0 0 rg BT 253.22 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.27 322.10 Td (existence ) Tj ET Q q 0 0 0 rg BT 302.75 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 316.68 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.17 322.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 372.34 322.10 Td (time ) Tj ET Q q 0 0 0 rg BT 392.38 322.10 Td (period ) Tj ET Q q 0 0 0 rg BT 420.20 322.10 Td (\(not ) Tj ET Q q 0 0 0 rg BT 438.58 322.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 481.39 322.10 Td (five ) Tj ET Q q 0 0 0 rg BT 499.21 322.10 Td (years\) ) Tj ET Q q 0 0 0 rg BT 525.91 322.10 Td (specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.64 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.50 310.10 Td (law ) Tj ET Q q 0 0 0 rg BT 94.58 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.55 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.41 310.10 Td (tar) Tj ET Q q 0 0 0 rg BT 130.77 310.10 Td (get ) Tj ET Q q 0 0 0 rg BT 145.63 310.10 Td (bank) Tj ET Q q 0 0 0 rg BT 167.85 310.10 Td (s ) Tj ET Q q 0 0 0 rg BT 174.38 310.10 Td (home ) Tj ET Q q 0 0 0 rg BT 199.24 310.10 Td (state. ) Tj ET Q q 0 0 0 rg BT 225.01 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 243.20 310.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 275.82 310.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 310.67 310.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 337.75 310.10 Td (also ) Tj ET Q q 0 0 0 rg BT 356.50 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 376.36 310.10 Td (not ) Tj ET Q q 0 0 0 rg BT 391.78 310.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 426.62 310.10 Td (an ) Tj ET Q q 0 0 0 rg BT 438.70 310.10 Td (application ) Tj ET Q q 0 0 0 rg BT 485.77 310.10 Td (if ) Tj ET Q q 0 0 0 rg BT 494.52 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 509.38 310.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.46 310.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (company ) Tj ET Q q 0 0 0 rg BT 89.18 298.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 109.47 298.10 Td (its ) Tj ET Q q 0 0 0 rg BT 121.44 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 143.40 298.10 Td (af) Tj ET Q q 0 0 0 rg BT 150.99 298.10 Td (filiates\) ) Tj ET Q q 0 0 0 rg BT 184.06 298.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 218.80 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 229.65 298.10 Td (would ) Tj ET Q q 0 0 0 rg BT 257.17 298.10 Td (control ) Tj ET Q q 0 0 0 rg BT 288.02 298.10 Td (more ) Tj ET Q q 0 0 0 rg BT 311.09 298.10 Td (than ) Tj ET Q q 0 0 0 rg BT 330.83 298.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 345.57 298.10 Td (percent ) Tj ET Q q 0 0 0 rg BT 377.52 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.38 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.12 298.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 435.08 298.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 470.38 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.68 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.42 298.10 Td (United ) Tj ET Q q 0 0 0 rg BT 525.16 298.10 Td (States ) Tj ET Q q 0 0 0 rg BT 551.57 298.10 Td (or) Tj ET Q q 0 0 0 rg BT 559.50 298.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (generally) Tj ET Q q 0 0 0 rg BT 86.55 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.34 286.10 Td (30% ) Tj ET Q q 0 0 0 rg BT 111.95 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 122.57 286.10 Td (more ) Tj ET Q q 0 0 0 rg BT 145.40 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.02 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.52 286.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 205.58 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.64 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.15 286.10 Td (tar) Tj ET Q q 0 0 0 rg BT 240.51 286.10 Td (get ) Tj ET Q q 0 0 0 rg BT 255.01 286.10 Td (bank) Tj ET Q q 0 0 0 rg BT 277.23 286.10 Td (s ) Tj ET Q q 0 0 0 rg BT 283.41 286.10 Td (home ) Tj ET Q q 0 0 0 rg BT 307.91 286.10 Td (state ) Tj ET Q q 0 0 0 rg BT 328.52 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 339.14 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 349.20 286.10 Td (any ) Tj ET Q q 0 0 0 rg BT 365.92 286.10 Td (state ) Tj ET Q q 0 0 0 rg BT 386.53 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.60 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 423.32 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.82 286.10 Td (tar) Tj ET Q q 0 0 0 rg BT 448.19 286.10 Td (get ) Tj ET Q q 0 0 0 rg BT 462.69 286.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 484.41 286.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 525.58 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 532.30 286.10 Td (branch. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Individual ) Tj ET Q q 0 0 0 rg BT 93.48 274.10 Td (states ) Tj ET Q q 0 0 0 rg BT 118.07 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 137.66 274.10 Td (waive ) Tj ET Q q 0 0 0 rg BT 163.91 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.50 274.10 Td (30% ) Tj ET Q q 0 0 0 rg BT 199.20 274.10 Td (statewide ) Tj ET Q q 0 0 0 rg BT 239.34 274.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 296.13 274.10 Td (limit. ) Tj ET Q q 0 0 0 rg BT 322.39 274.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 344.75 274.10 Td (state ) Tj ET Q q 0 0 0 rg BT 365.45 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 385.04 274.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 406.30 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.89 274.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 466.57 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 477.27 274.10 Td (total ) Tj ET Q q 0 0 0 rg BT 497.42 274.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 529.23 274.10 Td (deposits ) 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 60.43 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.30 262.10 Td (state ) Tj ET Q q 0 0 0 rg BT 96.28 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 113.93 262.10 Td (may ) Tj ET Q q 0 0 0 rg BT 133.80 262.10 Td (be ) Tj ET Q q 0 0 0 rg BT 145.89 262.10 Td (held ) Tj ET Q q 0 0 0 rg BT 165.76 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 176.74 262.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 219.94 262.10 Td (by ) Tj ET Q q 0 0 0 rg BT 232.59 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 239.68 262.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 261.77 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 272.75 262.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 294.84 262.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 328.05 262.10 Td (company ) Tj ET Q q 0 0 0 rg BT 367.36 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.79 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.66 262.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 419.75 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.62 262.10 Td (limitation ) Tj ET Q q 0 0 0 rg BT 476.16 262.10 Td (does ) Tj ET Q q 0 0 0 rg BT 497.14 262.10 Td (not ) Tj ET Q q 0 0 0 rg BT 512.57 262.10 Td (discriminate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (against ) Tj ET Q q 0 0 0 rg BT 81.68 250.10 Td (out-of-state ) Tj ET Q q 0 0 0 rg BT 131.13 250.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 157.82 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 169.50 250.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 192.30 250.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 226.21 250.10 Td (companies. ) Tj ET Q q 0 0 0 rg BT 274.83 250.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 305.68 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.25 250.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 372.75 250.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 393.04 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.61 250.10 Td (OCC ) Tj ET Q q 0 0 0 rg BT 432.53 250.10 Td (may ) Tj ET Q q 0 0 0 rg BT 453.10 250.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 493.66 250.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 529.22 250.10 Td (de ) Tj ET Q q 0 0 0 rg BT 542.02 250.10 Td (novo ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (branching ) Tj ET Q q 0 0 0 rg BT 92.49 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 104.99 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 111.92 238.10 Td (national ) Tj ET Q q 0 0 0 rg BT 146.64 238.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 168.57 238.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 199.96 238.10 Td (its ) Tj ET Q q 0 0 0 rg BT 211.91 238.10 Td (home ) Tj ET Q q 0 0 0 rg BT 236.63 238.10 Td (state.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.45 214.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 135.11 214.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 170.24 214.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 207.57 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 222.68 214.10 Td (authorized ) Tj ET Q q 0 0 0 rg BT 267.79 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.48 214.10 Td (approve ) Tj ET Q q 0 0 0 rg BT 313.59 214.10 Td (interstate ) Tj ET Q q 0 0 0 rg BT 353.15 214.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 375.49 214.10 Td (mer) Tj ET Q q 0 0 0 rg BT 390.86 214.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 406.53 214.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 457.20 214.10 Td (without ) Tj ET Q q 0 0 0 rg BT 490.67 214.10 Td (regard ) Tj ET Q q 0 0 0 rg BT 519.11 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.80 214.10 Td (whether ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (these ) Tj ET Q q 0 0 0 rg BT 72.88 202.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 122.98 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 137.53 202.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 180.97 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 193.30 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.86 202.10 Td (law ) Tj ET Q q 0 0 0 rg BT 224.63 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.30 202.10 Td (any ) Tj ET Q q 0 0 0 rg BT 252.07 202.10 Td (state, ) Tj ET Q q 0 0 0 rg BT 275.23 202.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 302.57 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.12 202.10 Td (home ) Tj ET Q q 0 0 0 rg BT 341.68 202.10 Td (state ) Tj ET Q q 0 0 0 rg BT 362.34 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.01 202.10 Td (one ) Tj ET Q q 0 0 0 rg BT 389.78 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.45 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.00 202.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 440.67 202.10 Td (opted ) Tj ET Q q 0 0 0 rg BT 465.22 202.10 Td (out ) Tj ET Q q 0 0 0 rg BT 480.33 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.00 202.10 Td (interstate ) Tj ET Q q 0 0 0 rg BT 529.99 202.10 Td (mer) Tj ET Q q 0 0 0 rg BT 545.35 202.10 Td (gers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 71.96 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 82.26 190.10 Td (June1, ) Tj ET Q q 0 0 0 rg BT 113.11 190.10 Td (1997. ) Tj ET Q q 0 0 0 rg BT 140.63 190.10 Td (Interstate ) Tj ET Q q 0 0 0 rg BT 180.36 190.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 230.65 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.51 190.10 Td (branches ) Tj ET Q q 0 0 0 rg BT 279.57 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 294.29 190.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 335.14 190.10 Td (only ) Tj ET Q q 0 0 0 rg BT 355.44 190.10 Td (if ) Tj ET Q q 0 0 0 rg BT 364.07 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.81 190.10 Td (law ) Tj ET Q q 0 0 0 rg BT 395.77 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 406.62 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.36 190.10 Td (state ) Tj ET Q q 0 0 0 rg BT 442.20 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.50 190.10 Td (which ) Tj ET Q q 0 0 0 rg BT 479.47 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.20 190.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 523.93 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 533.13 190.10 Td (located ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 82.08 178.10 Td (these ) Tj ET Q q 0 0 0 rg BT 104.71 178.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 159.56 178.10 Td (Interstate ) Tj ET Q q 0 0 0 rg BT 198.84 178.10 Td (mer) Tj ET Q q 0 0 0 rg BT 214.21 178.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 232.95 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.47 178.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 278.76 178.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 328.62 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.90 178.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 373.31 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 383.17 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.47 178.10 Td (nationwide ) Tj ET Q q 0 0 0 rg BT 443.98 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 460.50 178.10 Td (statewide-insured ) Tj ET Q q 0 0 0 rg BT 533.12 178.10 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 106.92 166.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 132.20 166.10 Td (described ) Tj ET Q q 0 0 0 rg BT 173.02 166.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Privacy ) Tj ET Q q 0 0 0 rg BT 84.39 142.10 Td (Rules.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.79 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 114.92 142.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 146.53 142.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 180.38 142.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 224.50 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 234.46 142.10 Td (required ) Tj ET Q q 0 0 0 rg BT 269.40 142.10 Td (under ) Tj ET Q q 0 0 0 rg BT 293.80 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.65 142.10 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 395.00 142.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 413.57 142.10 Td (have ) Tj ET Q q 0 0 0 rg BT 434.07 142.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 467.36 142.10 Td (ruleslimiting ) Tj ET Q q 0 0 0 rg BT 522.60 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.45 142.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.20 130.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 87.39 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.69 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 128.11 130.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 165.95 130.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 213.27 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.91 130.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 259.00 130.10 Td (nonpublic ) Tj ET Q q 0 0 0 rg BT 301.86 130.10 Td (information ) Tj ET Q q 0 0 0 rg BT 351.93 130.10 Td (about ) Tj ET Q q 0 0 0 rg BT 377.02 130.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 422.65 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 433.29 130.10 Td (non-af) Tj ET Q q 0 0 0 rg BT 459.21 130.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 490.40 130.10 Td (third ) Tj ET Q q 0 0 0 rg BT 512.15 130.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 546.46 130.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (rulesrequire ) Tj ET Q q 0 0 0 rg BT 103.04 118.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 146.38 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 157.50 118.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 190.28 118.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 224.17 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.74 118.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 280.30 118.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 300.03 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 310.60 118.10 Td (some ) Tj ET Q q 0 0 0 rg BT 334.50 118.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 396.43 118.10 Td (allow ) Tj ET Q q 0 0 0 rg BT 421.44 118.10 Td (consumers ) Tj ET Q q 0 0 0 rg BT 466.99 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.56 118.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 510.34 118.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 553.68 118.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.13 106.10 Td (personal ) Tj ET Q q 0 0 0 rg BT 116.94 106.10 Td (information ) Tj ET Q q 0 0 0 rg BT 167.08 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 177.79 106.10 Td (non-af) Tj ET Q q 0 0 0 rg BT 203.71 106.10 Td (filiated ) Tj ET Q q 0 0 0 rg BT 234.96 106.10 Td (third ) Tj ET Q q 0 0 0 rg BT 256.78 106.10 Td (parties. ) Tj ET Q q 0 0 0 rg BT 291.16 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 309.63 106.10 Td (privacy ) Tj ET Q q 0 0 0 rg BT 342.55 106.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 387.15 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.41 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 413.56 106.10 Td (Gramm-Leach-Bliley ) Tj ET Q q 0 0 0 rg BT 501.92 106.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 519.29 106.10 Td (af) Tj ET Q q 0 0 0 rg BT 526.88 106.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 544.79 106.10 Td (how ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 91.38 94.10 Td (information ) Tj ET Q q 0 0 0 rg BT 141.09 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 150.26 94.10 Td (transmitted ) Tj ET Q q 0 0 0 rg BT 197.75 94.10 Td (through ) Tj ET Q q 0 0 0 rg BT 231.36 94.10 Td (diversified ) Tj ET Q q 0 0 0 rg BT 276.62 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 314.10 94.10 Td (services ) Tj ET Q q 0 0 0 rg BT 348.81 94.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 394.07 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.01 94.10 Td (conveyed ) Tj ET Q q 0 0 0 rg BT 451.83 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 462.10 94.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 493.49 94.10 Td (vendors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (International ) Tj ET Q q 0 0 0 rg BT 109.42 70.10 Td (Money ) Tj ET Q q 0 0 0 rg BT 141.60 70.10 Td (Laundering ) Tj ET Q q 0 0 0 rg BT 194.32 70.10 Td (Abatement ) Tj ET Q q 0 0 0 rg BT 244.28 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.15 70.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 305.29 70.10 Td (Anti-T) Tj ET Q q 0 0 0 rg BT 333.27 70.10 Td (err) Tj ET Q q 0 0 0 rg BT 346.40 70.10 Td (orism ) Tj ET Q q 0 0 0 rg BT 372.98 70.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 390.72 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.80 70.10 Td (2001.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 427.05 70.10 Td () Tj ET Q q 0 0 0 rg BT 429.37 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 447.66 70.10 Td (President ) Tj ET Q q 0 0 0 rg BT 487.63 70.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 516.48 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.45 70.10 Td (Uniting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.74 58.10 Td (Strengthening ) Tj ET Q q 0 0 0 rg BT 124.63 58.10 Td (America ) Tj ET Q q 0 0 0 rg BT 161.35 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 173.65 58.10 Td (Providing ) Tj ET Q q 0 0 0 rg BT 214.89 58.10 Td (Appropriate ) Tj ET Q q 0 0 0 rg BT 265.34 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 270.75 58.10 Td (ools ) Tj ET Q q 0 0 0 rg BT 289.72 58.10 Td (Required ) Tj ET Q q 0 0 0 rg BT 328.67 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.75 58.10 Td (Intercept ) Tj ET Q q 0 0 0 rg BT 376.58 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.32 58.10 Td (Obstruct ) Tj ET Q q 0 0 0 rg BT 429.89 58.10 Td (T) Tj ET Q q 0 0 0 rg BT 435.30 58.10 Td (errorism ) Tj ET Q q 0 0 0 rg BT 470.97 58.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 487.71 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.34 58.10 Td (2001 ) Tj ET Q q 0 0 0 rg BT 520.63 58.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 538.48 58.10 Td ("USA) Tj ET Q q 0 0 0 rg BT 562.02 58.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (P) Tj ET Q q 0 0 0 rg BT 54.64 46.10 Td (A) Tj ET Q q 0 0 0 rg BT 60.76 46.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 90.01 46.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.83 46.10 Td (Act"\) ) Tj ET Q q 0 0 0 rg BT 116.01 46.10 Td (into ) Tj ET Q q 0 0 0 rg BT 133.89 46.10 Td (law ) Tj ET Q q 0 0 0 rg BT 150.66 46.10 Td (in ) Tj ET Q q 0 0 0 rg BT 160.77 46.10 Td (October2001. ) Tj ET Q q 0 0 0 rg BT 222.63 46.10 Td (This ) Tj ET Q q 0 0 0 rg BT 242.74 46.10 Td (act ) Tj ET Q q 0 0 0 rg BT 256.72 46.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 292.38 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.92 46.10 Td (International ) Tj ET Q q 0 0 0 rg BT 360.34 46.10 Td (Money ) Tj ET Q q 0 0 0 rg BT 391.00 46.10 Td (Laundering ) Tj ET Q q 0 0 0 rg BT 438.90 46.10 Td (Abatement ) Tj ET Q q 0 0 0 rg BT 485.10 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.87 46.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 540.90 46.10 Td (Anti-) Tj ET Q endstream endobj 29 0 obj <> endobj 30 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 742.10 Td (errorism ) Tj ET Q q 0 0 0 rg BT 91.31 742.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 108.35 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.28 742.10 Td (2001 ) Tj ET Q q 0 0 0 rg BT 141.87 742.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 160.02 742.10 Td (IMLAF) Tj ET Q q 0 0 0 rg BT 194.83 742.10 Td (A\). ) Tj ET Q q 0 0 0 rg BT 217.23 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 235.37 742.10 Td (IMLAF) Tj ET Q q 0 0 0 rg BT 265.74 742.10 Td (A) Tj ET Q q 0 0 0 rg BT 272.41 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 275.01 742.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 328.16 742.10 Td (broadens ) Tj ET Q q 0 0 0 rg BT 366.86 742.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 394.99 742.10 Td (anti-money ) Tj ET Q q 0 0 0 rg BT 443.13 742.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 488.49 742.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 532.75 742.10 Td (and ) 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 (extraterritorial ) Tj ET Q q 0 0 0 rg BT 109.96 730.10 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 157.73 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.28 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.72 730.10 Td (United ) Tj ET Q q 0 0 0 rg BT 212.16 730.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 240.76 730.10 Td (imposes ) Tj ET Q q 0 0 0 rg BT 275.76 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 305.18 730.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 353.49 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.15 730.10 Td (due ) Tj ET Q q 0 0 0 rg BT 386.80 730.10 Td (diligence ) Tj ET Q q 0 0 0 rg BT 425.67 730.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 474.84 730.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 505.93 730.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 535.35 730.10 Td (crimes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.84 718.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 107.28 718.10 Td (compels ) Tj ET Q q 0 0 0 rg BT 143.01 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.63 718.10 Td (production ) Tj ET Q q 0 0 0 rg BT 203.35 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.09 718.10 Td (documents ) Tj ET Q q 0 0 0 rg BT 259.81 718.10 Td (located ) Tj ET Q q 0 0 0 rg BT 291.09 718.10 Td (both ) Tj ET Q q 0 0 0 rg BT 311.27 718.10 Td (inside ) Tj ET Q q 0 0 0 rg BT 337.55 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.39 718.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 385.68 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.30 718.10 Td (United ) Tj ET Q q 0 0 0 rg BT 429.92 718.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 458.71 718.10 Td (including ) Tj ET Q q 0 0 0 rg BT 498.88 718.10 Td (those ) Tj ET Q q 0 0 0 rg BT 522.39 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.12 718.10 Td (foreign ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.12 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 112.77 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 133.31 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 139.41 706.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 197.72 706.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 246.60 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 256.04 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.92 706.10 Td (United ) Tj ET Q q 0 0 0 rg BT 298.80 706.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 326.85 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.95 706.10 Td (clarifies ) Tj ET Q q 0 0 0 rg BT 376.81 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.69 706.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 408.45 706.10 Td (harbor ) Tj ET Q q 0 0 0 rg BT 436.21 706.10 Td (from ) Tj ET Q q 0 0 0 rg BT 457.31 706.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 476.75 706.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 509.52 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.96 706.10 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.02 694.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 88.11 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 93.86 694.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 125.77 694.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 175.45 694.10 Td (has ) Tj ET Q q 0 0 0 rg BT 191.26 694.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 218.74 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 225.65 694.10 Td (number ) Tj ET Q q 0 0 0 rg BT 258.68 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.49 694.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 316.40 694.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 374.42 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.12 694.10 Td (USA) Tj ET Q q 0 0 0 rg BT 408.57 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 411.05 694.10 Td (P) Tj ET Q q 0 0 0 rg BT 415.69 694.10 Td (A) Tj ET Q q 0 0 0 rg BT 421.81 694.10 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 451.06 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 452.99 694.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 469.91 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 487.38 694.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 512.08 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 541.76 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 552.57 694.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.88 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 115.34 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 153.00 682.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 200.13 682.10 Td (such ) Tj ET Q q 0 0 0 rg BT 221.14 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 232.14 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 248.15 682.10 Td (bank. ) Tj ET Q q 0 0 0 rg BT 275.08 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 293.30 682.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 340.41 682.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 371.98 682.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 419.10 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 431.78 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 469.44 682.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 516.57 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 682.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 97.28 670.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 132.62 670.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 178.23 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.41 670.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 228.37 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.90 670.10 Td (detect, ) Tj ET Q q 0 0 0 rg BT 266.01 670.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 297.74 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.92 670.10 Td (report ) Tj ET Q q 0 0 0 rg BT 339.54 670.10 Td (money ) Tj ET Q q 0 0 0 rg BT 368.50 670.10 Td (laundering ) Tj ET Q q 0 0 0 rg BT 413.01 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.19 670.10 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 462.59 670.10 Td (financing. ) Tj ET Q q 0 0 0 rg BT 506.97 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 524.26 670.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 96.35 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.58 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.46 658.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 192.31 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 231.99 658.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 245.28 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.96 658.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 287.97 658.10 Td (their ) Tj ET Q q 0 0 0 rg BT 308.20 658.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 353.14 658.10 Td (watch ) Tj ET Q q 0 0 0 rg BT 378.92 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 392.49 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.83 658.10 Td (report ) Tj ET Q q 0 0 0 rg BT 434.60 658.10 Td (suspicious ) Tj ET Q q 0 0 0 rg BT 478.18 658.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 530.34 658.10 Td (respond ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.74 646.10 Td (requests ) Tj ET Q q 0 0 0 rg BT 96.48 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 111.11 646.10 Td (information ) Tj ET Q q 0 0 0 rg BT 161.28 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 174.25 646.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 218.31 646.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 263.49 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.89 646.10 Td (law ) Tj ET Q q 0 0 0 rg BT 298.30 646.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 351.24 646.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 391.13 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 408.53 646.10 Td (share ) Tj ET Q q 0 0 0 rg BT 432.60 646.10 Td (information ) Tj ET Q q 0 0 0 rg BT 482.77 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 503.52 646.10 Td (other ) Tj ET Q q 0 0 0 rg BT 527.03 646.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 99.95 634.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 135.15 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.36 634.10 Td (implementation ) Tj ET Q q 0 0 0 rg BT 216.11 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.54 634.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 287.07 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.39 634.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 331.92 634.10 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 381.28 634.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 419.81 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.24 634.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 472.45 634.10 Td (which ) Tj ET Q q 0 0 0 rg BT 499.88 634.10 Td (have ) Tj ET Q q 0 0 0 rg BT 521.75 634.10 Td (increased, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.66 622.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 123.59 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 133.87 622.10 Td (increase, ) Tj ET Q q 0 0 0 rg BT 171.62 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 187.45 622.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 209.95 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 226.89 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 246.61 622.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 277.43 622.10 Td (us ) Tj ET Q q 0 0 0 rg BT 288.82 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.10 622.10 Td (liability) Tj ET Q q 0 0 0 rg BT 329.56 622.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.30 598.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 123.70 598.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 152.26 598.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 204.42 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.04 598.10 Td (compliance-related ) Tj ET Q q 0 0 0 rg BT 299.85 598.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 332.02 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 344.21 598.10 Td (government ) Tj ET Q q 0 0 0 rg BT 394.16 598.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 430.77 598.10 Td (has ) Tj ET Q q 0 0 0 rg BT 446.28 598.10 Td (increased. ) Tj ET Q q 0 0 0 rg BT 488.72 598.10 Td (Money ) Tj ET Q q 0 0 0 rg BT 519.23 598.10 Td (laundering ) 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 (anti-terrorism ) Tj ET Q q 0 0 0 rg BT 124.42 586.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 173.01 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 182.18 586.10 Td (among ) Tj ET Q q 0 0 0 rg BT 211.89 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.61 586.10 Td (areas ) Tj ET Q q 0 0 0 rg BT 249.65 586.10 Td (receiving ) Tj ET Q q 0 0 0 rg BT 289.35 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 296.29 586.10 Td (high ) Tj ET Q q 0 0 0 rg BT 316.57 586.10 Td (level ) Tj ET Q q 0 0 0 rg BT 338.50 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.33 586.10 Td (focus ) Tj ET Q q 0 0 0 rg BT 373.49 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.77 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.49 586.10 Td (present ) Tj ET Q q 0 0 0 rg BT 429.86 586.10 Td (environment.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (V) Tj ET Q q 0 0 0 rg BT 56.30 562.10 Td (olcker) Tj ET Q q 0 0 0 rg BT 82.78 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.29 562.10 Td (Rule. ) Tj ET Q q 0 0 0 rg BT 110.30 562.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 112.81 562.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 140.31 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.03 562.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 205.87 562.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 222.82 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.77 562.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 286.71 562.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 320.88 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 333.39 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.11 562.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 378.38 562.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 413.10 562.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 450.04 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 460.33 562.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 505.60 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.33 562.10 Td (provisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.82 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.98 550.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 91.91 550.10 Td (known ) Tj ET Q q 0 0 0 rg BT 121.62 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 132.45 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.97 550.10 Td (V) Tj ET Q q 0 0 0 rg BT 152.91 550.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 180.38 550.10 Td (Rule, ) Tj ET Q q 0 0 0 rg BT 204.26 550.10 Td (FDIC-insured ) Tj ET Q q 0 0 0 rg BT 262.31 550.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 307.01 550.10 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 356.46 550.10 Td (their ) Tj ET Q q 0 0 0 rg BT 377.28 550.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 410.32 550.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 458.08 550.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 507.79 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.72 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 532.31 550.10 Td (filiates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (\(collectively) Tj ET Q q 0 0 0 rg BT 99.33 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 105.64 538.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 146.11 538.10 Td (entities\), ) Tj ET Q q 0 0 0 rg BT 189.07 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 205.09 538.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 246.11 538.10 Td (prohibited, ) Tj ET Q q 0 0 0 rg BT 293.52 538.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 325.66 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 337.25 538.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 368.27 538.10 Td (exemptions, ) Tj ET Q q 0 0 0 rg BT 420.68 538.10 Td (from ) Tj ET Q q 0 0 0 rg BT 443.94 538.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 492.17 538.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 524.31 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.56 538.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 90.26 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 101.09 526.10 Td (retaining ) Tj ET Q q 0 0 0 rg BT 139.14 526.10 Td (an ) Tj ET Q q 0 0 0 rg BT 151.07 526.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 195.23 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 227.17 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.45 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.38 526.10 Td ("covered ) Tj ET Q q 0 0 0 rg BT 282.61 526.10 Td (fund." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 502.10 Td (Activities ) Tj ET Q q 0 0 0 rg BT 127.82 502.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 160.75 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 175.35 502.10 Td (exemptions ) Tj ET Q q 0 0 0 rg BT 224.40 502.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 259.27 502.10 Td (among ) Tj ET Q q 0 0 0 rg BT 289.43 502.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 319.31 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 349.45 502.10 Td (underwriting, ) Tj ET Q q 0 0 0 rg BT 406.55 502.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 450.03 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.41 502.10 Td (risk-mitigating ) Tj ET Q q 0 0 0 rg BT 529.79 502.10 Td (hedging ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 90.82 490.10 Td (fiduciary ) Tj ET Q q 0 0 0 rg BT 129.13 490.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 181.61 490.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 200.77 490.10 Td (if ) Tj ET Q q 0 0 0 rg BT 209.10 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 238.52 490.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 282.40 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.83 490.10 Td (met, ) Tj ET Q q 0 0 0 rg BT 316.55 490.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 360.42 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.97 490.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 406.52 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.52 490.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 445.94 490.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 472.03 490.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 496.47 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.02 490.10 Td (private ) Tj ET Q q 0 0 0 rg BT 537.01 490.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.80 478.10 Td (of) Tj ET Q q 0 0 0 rg BT 82.95 478.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 106.06 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 116.41 478.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 159.53 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.44 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 177.45 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 212.24 478.10 Td (entity) Tj ET Q q 0 0 0 rg BT 237.79 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 244.26 478.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 264.61 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 275.52 478.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 321.97 478.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 358.99 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 369.89 478.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 399.67 478.10 Td (other ) Tj ET Q q 0 0 0 rg BT 422.79 478.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 460.07 478.10 Td (if ) Tj ET Q q 0 0 0 rg BT 468.76 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.55 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 518.34 478.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 543.69 478.10 Td (does ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (not ) Tj ET Q q 0 0 0 rg BT 64.54 466.10 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 105.17 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.27 466.10 Td (insure ) Tj ET Q q 0 0 0 rg BT 141.48 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.46 466.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 207.75 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.84 466.10 Td (such ) Tj ET Q q 0 0 0 rg BT 237.94 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.15 466.10 Td (fund. ) Tj ET Q q 0 0 0 rg BT 266.74 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 268.38 466.10 Td (These ) Tj ET Q q 0 0 0 rg BT 294.03 466.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 337.46 466.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 371.16 466.10 Td (among ) Tj ET Q q 0 0 0 rg BT 400.14 466.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 428.85 466.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 453.40 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.16 466.10 Td (such ) Tj ET Q q 0 0 0 rg BT 485.26 466.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 528.69 466.10 Td (interests ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (\(3% ) Tj ET Q q 0 0 0 rg BT 69.12 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 79.91 454.10 Td (total ) Tj ET Q q 0 0 0 rg BT 100.14 454.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 144.26 454.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 180.05 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 194.17 454.10 Td (any ) Tj ET Q q 0 0 0 rg BT 211.07 454.10 Td (single ) Tj ET Q q 0 0 0 rg BT 237.41 454.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 258.20 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.10 454.10 Td (3% ) Tj ET Q q 0 0 0 rg BT 290.89 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 301.50 454.10 Td (T) Tj ET Q q 0 0 0 rg BT 307.26 454.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 320.27 454.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 327.73 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 356.84 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.96 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.64 454.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 426.96 454.10 Td (value ) Tj ET Q q 0 0 0 rg BT 451.07 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.86 454.10 Td (all ) Tj ET Q q 0 0 0 rg BT 474.32 454.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 518.44 454.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 554.22 454.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.86 442.10 Td (funds\); ) Tj ET Q q 0 0 0 rg BT 101.71 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.24 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 111.21 442.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 162.04 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 179.57 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.31 442.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 226.83 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.69 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 258.54 442.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 302.73 442.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 338.58 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 350.55 442.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 389.17 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 411.14 442.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 454.76 442.10 Td (capital; ) Tj ET Q q 0 0 0 rg BT 486.71 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 493.68 442.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 544.51 442.10 Td (that, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.92 430.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 101.73 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.32 430.10 Td (these ) Tj ET Q q 0 0 0 rg BT 135.12 430.10 Td (limits, ) Tj ET Q q 0 0 0 rg BT 162.66 430.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 206.58 430.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 242.17 430.10 Td (held ) Tj ET Q q 0 0 0 rg BT 261.64 430.10 Td (by ) Tj ET Q q 0 0 0 rg BT 273.90 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.60 430.10 Td (director ) Tj ET Q q 0 0 0 rg BT 313.95 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 324.54 430.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 365.67 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.25 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.73 430.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 425.21 430.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 450.24 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 464.70 430.10 Td (attributed ) Tj ET Q q 0 0 0 rg BT 505.28 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 515.32 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 430.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 75.46 418.10 Td (if ) Tj ET Q q 0 0 0 rg BT 84.26 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.17 418.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 134.08 418.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 159.54 418.10 Td (finances ) Tj ET Q q 0 0 0 rg BT 195.55 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.45 418.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 257.03 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.05 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.95 418.10 Td (director) Tj ET Q q 0 0 0 rg BT 314.42 418.10 Td () Tj ET Q q 0 0 0 rg BT 317.20 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 323.78 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 334.80 418.10 Td (employee) Tj ET Q q 0 0 0 rg BT 376.45 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 383.03 418.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 427.38 418.10 Td (interest; ) Tj ET Q q 0 0 0 rg BT 462.29 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.41 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 486.54 418.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 533.68 418.10 Td (against ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.10 406.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 130.75 406.10 Td (between ) Tj ET Q q 0 0 0 rg BT 166.96 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.29 406.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 209.40 406.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 235.07 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.40 406.10 Td (such ) Tj ET Q q 0 0 0 rg BT 273.62 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.95 406.10 Td (fund, ) Tj ET Q q 0 0 0 rg BT 304.68 406.10 Td (including ) Tj ET Q q 0 0 0 rg BT 345.34 406.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 371.85 406.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 414.17 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.39 406.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.61 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.95 406.10 Td (others. ) Tj ET Q q 0 0 0 rg BT 498.78 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 501.67 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.56 406.10 Td (No ) Tj ET Q q 0 0 0 rg BT 519.68 406.10 Td (director ) Tj ET Q q 0 0 0 rg BT 553.66 406.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 90.70 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.86 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.91 394.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 148.96 394.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 173.56 394.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 187.05 394.10 Td (its ) Tj ET Q q 0 0 0 rg BT 198.33 394.10 Td (af) Tj ET Q q 0 0 0 rg BT 205.92 394.10 Td (filiates\) ) Tj ET Q q 0 0 0 rg BT 238.29 394.10 Td (may ) Tj ET Q q 0 0 0 rg BT 257.33 394.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 276.94 394.10 Td (an ) Tj ET Q q 0 0 0 rg BT 288.21 394.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 331.70 394.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 362.97 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 372.57 394.10 Td (such ) Tj ET Q q 0 0 0 rg BT 392.73 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 399.00 394.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 419.16 394.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 445.99 394.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 478.37 394.10 Td (engaged ) Tj ET Q q 0 0 0 rg BT 513.51 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.12 394.10 Td (providing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.38 382.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 133.32 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 144.15 382.10 Td (other ) Tj ET Q q 0 0 0 rg BT 167.20 382.10 Td (services ) Tj ET Q q 0 0 0 rg BT 201.90 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.18 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.90 382.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 247.73 382.10 Td (when ) Tj ET Q q 0 0 0 rg BT 271.89 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.61 382.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 330.77 382.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 362.70 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 371.87 382.10 Td (acquired.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (Regulatory ) Tj ET Q q 0 0 0 rg BT 99.86 358.10 Td (Reform.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.62 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 139.71 358.10 Td (On ) Tj ET Q q 0 0 0 rg BT 154.02 358.10 Td (July21, ) Tj ET Q q 0 0 0 rg BT 187.77 358.10 Td (2010, ) Tj ET Q q 0 0 0 rg BT 212.36 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.67 358.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 277.18 358.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 293.71 358.10 Td (was ) Tj ET Q q 0 0 0 rg BT 311.35 358.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 339.54 358.10 Td (into ) Tj ET Q q 0 0 0 rg BT 357.19 358.10 Td (law) Tj ET Q q 0 0 0 rg BT 370.98 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 375.42 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 393.05 358.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 443.56 358.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 460.09 358.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 473.84 358.10 Td (amended\) ) Tj ET Q q 0 0 0 rg BT 515.35 358.10 Td (implements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (far) Tj ET Q q 0 0 0 rg BT 60.90 346.10 Td (-reaching ) Tj ET Q q 0 0 0 rg BT 101.15 346.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 135.86 346.10 Td (across ) Tj ET Q q 0 0 0 rg BT 163.35 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.07 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 215.55 346.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 259.14 346.10 Td (landscape, ) Tj ET Q q 0 0 0 rg BT 303.56 346.10 Td (including ) Tj ET Q q 0 0 0 rg BT 343.84 346.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 388.01 346.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 408.00 346.10 Td (among ) Tj ET Q q 0 0 0 rg BT 437.72 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 460.77 346.10 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 322.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 322.10 Td (Centralize ) Tj ET Q q 0 0 0 rg BT 130.04 322.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 187.43 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 202.04 322.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 243.87 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 281.80 322.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 325.29 322.10 Td (by ) Tj ET Q q 0 0 0 rg BT 338.24 322.10 Td (creating ) Tj ET Q q 0 0 0 rg BT 373.39 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.55 322.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 418.47 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 439.19 322.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 464.91 322.10 Td (rulemaking, ) Tj ET Q q 0 0 0 rg BT 515.90 322.10 Td (supervision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.86 310.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 153.25 310.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 190.78 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 203.86 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.72 310.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 230.58 310.10 Td (range ) Tj ET Q q 0 0 0 rg BT 254.20 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.95 310.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 304.25 310.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 346.21 310.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 365.97 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 382.38 310.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 406.02 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.22 310.10 Td (all ) Tj ET Q q 0 0 0 rg BT 426.63 310.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 451.39 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.25 310.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 495.87 310.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 524.23 310.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 137.65 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.30 298.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 206.49 298.10 Td (powers ) Tj ET Q q 0 0 0 rg BT 237.59 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 257.59 298.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 288.12 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.12 298.10 Td (any ) Tj ET Q q 0 0 0 rg BT 314.78 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 336.43 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 356.43 298.10 Td (more ) Tj ET Q q 0 0 0 rg BT 379.19 298.10 Td (than ) Tj ET Q q 0 0 0 rg BT 398.63 298.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 415.85 298.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 444.18 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.18 298.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 479.72 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.38 298.10 Td (its ) Tj ET Q q 0 0 0 rg BT 508.05 298.10 Td (af) Tj ET Q q 0 0 0 rg BT 515.64 298.10 Td (filiates, ) 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 86.00 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 286.10 Td (power ) Tj ET Q q 0 0 0 rg BT 128.21 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.49 286.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 172.65 286.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 196.13 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 201.13 286.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 241.94 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 252.77 286.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 285.81 286.10 Td (acts ) Tj ET Q q 0 0 0 rg BT 303.86 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 314.69 286.10 Td (practices.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 274.10 Td (Restrict ) Tj ET Q q 0 0 0 rg BT 119.27 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.65 274.10 Td (preemption ) Tj ET Q q 0 0 0 rg BT 181.36 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.86 274.10 Td (state ) Tj ET Q q 0 0 0 rg BT 212.35 274.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 253.40 274.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.54 274.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 333.25 274.10 Td (law ) Tj ET Q q 0 0 0 rg BT 349.86 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 362.03 274.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 391.95 274.10 Td (law ) Tj ET Q q 0 0 0 rg BT 408.55 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.16 274.10 Td (disallow ) Tj ET Q q 0 0 0 rg BT 461.21 274.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 510.59 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.20 274.10 Td (af) Tj ET Q q 0 0 0 rg BT 534.79 274.10 Td (filiates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.83 262.10 Td (national ) Tj ET Q q 0 0 0 rg BT 131.54 262.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 159.87 262.10 Td (such ) Tj ET Q q 0 0 0 rg BT 180.70 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 191.53 262.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 209.59 262.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 249.31 262.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 275.41 262.10 Td (from ) Tj ET Q q 0 0 0 rg BT 297.35 262.10 Td (availing ) Tj ET Q q 0 0 0 rg BT 332.06 262.10 Td (themselves ) Tj ET Q q 0 0 0 rg BT 379.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.83 262.10 Td (such ) Tj ET Q q 0 0 0 rg BT 410.66 262.10 Td (preemption.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.10 Td (Require ) Tj ET Q q 0 0 0 rg BT 120.16 250.10 Td (new ) Tj ET Q q 0 0 0 rg BT 139.32 250.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 168.47 250.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 190.40 250.10 Td (\(discussed ) Tj ET Q q 0 0 0 rg BT 234.56 250.10 Td (under ) Tj ET Q q 0 0 0 rg BT 259.83 250.10 Td (--Capital ) Tj ET Q q 0 0 0 rg BT 301.76 250.10 Td (Adequacy ) Tj ET Q q 0 0 0 rg BT 349.24 250.10 Td (above\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.10 Td (Require ) Tj ET Q q 0 0 0 rg BT 121.82 238.10 Td (publicly-traded ) Tj ET Q q 0 0 0 rg BT 187.08 238.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 210.68 238.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 245.40 238.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 292.33 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 314.27 238.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 341.77 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.27 238.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 373.43 238.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 403.71 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 416.21 238.10 Td (more ) Tj ET Q q 0 0 0 rg BT 440.92 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 452.86 238.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 492.02 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 500.63 238.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 519.79 238.10 Td (committee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 226.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 134.05 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 148.22 226.10 Td (enterprise-wide ) Tj ET Q q 0 0 0 rg BT 212.91 226.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 230.42 226.10 Td (management ) Tj ET Q q 0 0 0 rg BT 284.01 226.10 Td (practices, ) Tj ET Q q 0 0 0 rg BT 324.55 226.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 368.71 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.54 226.10 Td (an ) Tj ET Q q 0 0 0 rg BT 391.49 226.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 442.87 226.10 Td (chairman ) Tj ET Q q 0 0 0 rg BT 482.57 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.52 226.10 Td (at ) Tj ET Q q 0 0 0 rg BT 509.24 226.10 Td (least ) Tj ET Q q 0 0 0 rg BT 530.07 226.10 Td (one ) Tj ET Q q 0 0 0 rg BT 547.01 226.10 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td (management ) Tj ET Q q 0 0 0 rg BT 139.59 214.10 Td (expert.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (Change ) Tj ET Q q 0 0 0 rg BT 119.22 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.12 202.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 181.23 202.10 Td (base ) Tj ET Q q 0 0 0 rg BT 201.67 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 216.01 202.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 246.44 202.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 278.00 202.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 318.99 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 341.11 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.00 202.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 388.67 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.68 202.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 431.79 202.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 467.25 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.70 202.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 530.92 202.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 111.83 190.10 Td (less ) Tj ET Q q 0 0 0 rg BT 129.33 190.10 Td (tangible ) Tj ET Q q 0 0 0 rg BT 164.04 190.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.10 Td (Increase ) Tj ET Q q 0 0 0 rg BT 122.20 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.31 178.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 179.10 178.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 200.32 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.54 178.10 Td (net ) Tj ET Q q 0 0 0 rg BT 226.65 178.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 252.88 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.55 178.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 295.88 178.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 331.56 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.78 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.89 178.10 Td (Deposit ) Tj ET Q q 0 0 0 rg BT 391.90 178.10 Td (Insurance ) Tj ET Q q 0 0 0 rg BT 433.66 178.10 Td (Fund ) Tj ET Q q 0 0 0 rg BT 457.11 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 479.45 178.10 Td (1.15% ) Tj ET Q q 0 0 0 rg BT 508.17 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.84 178.10 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 547.57 178.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.10 Td (require ) Tj ET Q q 0 0 0 rg BT 117.08 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.07 166.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 160.12 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 170.66 166.10 Td (setting ) Tj ET Q q 0 0 0 rg BT 200.10 166.10 Td (assessments, ) Tj ET Q q 0 0 0 rg BT 253.69 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 264.24 166.10 Td (of) Tj ET Q q 0 0 0 rg BT 272.39 166.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 289.60 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.58 166.10 Td (ef) Tj ET Q q 0 0 0 rg BT 312.17 166.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 329.92 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.02 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.00 166.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 391.52 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 404.29 166.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 451.51 166.10 Td (with ) Tj ET Q q 0 0 0 rg BT 472.06 166.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 498.16 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.25 166.10 Td (less ) Tj ET Q q 0 0 0 rg BT 527.02 166.10 Td (than ) Tj ET Q q 0 0 0 rg BT 547.01 166.10 Td ($10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (billion. ) Tj ET Q q 0 0 0 rg BT 120.16 154.10 Td (This ) Tj ET Q q 0 0 0 rg BT 141.22 154.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 177.25 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 187.20 154.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 227.69 154.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 266.50 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.56 154.10 Td (impose ) Tj ET Q q 0 0 0 rg BT 309.73 154.10 Td (more ) Tj ET Q q 0 0 0 rg BT 333.56 154.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 365.72 154.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 407.32 154.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 426.71 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 439.99 154.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 487.73 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 508.79 154.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 535.40 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.01 154.10 Td ($10 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 114.61 142.10 Td (or ) Tj ET Q q 0 0 0 rg BT 125.44 142.10 Td (more.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 130.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 130.10 Td (Provide ) Tj ET Q q 0 0 0 rg BT 118.40 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.36 130.10 Td (new ) Tj ET Q q 0 0 0 rg BT 149.31 130.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 191.15 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.88 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 228.72 130.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 282.22 130.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 314.06 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 323.13 130.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 362.73 130.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 419.57 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.30 130.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 474.35 130.10 Td (governance, ) Tj ET Q q 0 0 0 rg BT 524.23 130.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 131.78 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 144.79 118.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 193.90 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 208.57 118.10 Td (incentive-based ) Tj ET Q q 0 0 0 rg BT 276.00 118.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 336.22 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.33 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 364.45 118.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 413.57 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 428.25 118.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 488.46 118.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 547.00 118.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 106.10 Td (encourage ) Tj ET Q q 0 0 0 rg BT 129.58 106.10 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 185.39 106.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 206.79 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 217.62 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 235.11 106.10 Td (could ) Tj ET Q q 0 0 0 rg BT 259.83 106.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 292.88 106.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 333.69 106.10 Td (compensation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 94.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 94.10 Td (Make ) Tj ET Q q 0 0 0 rg BT 111.27 94.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 155.97 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.69 94.10 Td ($250thousand ) Tj ET Q q 0 0 0 rg BT 231.80 94.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 253.19 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 267.35 94.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 297.60 94.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 328.99 94.10 Td (insurance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 82.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.10 Td (Repeal ) Tj ET Q q 0 0 0 rg BT 115.78 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.02 82.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 159.79 82.10 Td (prohibitions ) Tj ET Q q 0 0 0 rg BT 210.14 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 222.16 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.39 82.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 272.85 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.19 82.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 314.65 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 326.66 82.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 360.34 82.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 397.63 82.10 Td (thereby ) Tj ET Q q 0 0 0 rg BT 429.64 82.10 Td (permitting ) Tj ET Q q 0 0 0 rg BT 473.32 82.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 517.55 82.10 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.28 70.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 113.22 70.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 145.15 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 157.65 70.10 Td (business ) Tj ET Q q 0 0 0 rg BT 194.04 70.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 240.41 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.35 70.10 Td (other ) Tj ET Q q 0 0 0 rg BT 280.40 70.10 Td (accounts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 58.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 58.10 Td (Allow ) Tj ET Q q 0 0 0 rg BT 113.50 58.10 Td (de ) Tj ET Q q 0 0 0 rg BT 125.44 58.10 Td (novo ) Tj ET Q q 0 0 0 rg BT 147.94 58.10 Td (interstate ) Tj ET Q q 0 0 0 rg BT 187.09 58.10 Td (branching ) Tj ET Q q 0 0 0 rg BT 229.57 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 242.07 58.10 Td (banks.) Tj ET Q endstream endobj 31 0 obj <> endobj 32 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Give ) Tj ET Q q 0 0 0 rg BT 108.18 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.13 742.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 155.86 742.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 190.80 742.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 217.98 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.94 742.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 271.78 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.30 742.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 320.03 742.10 Td (rulesregarding ) Tj ET Q q 0 0 0 rg BT 383.03 742.10 Td (interchange ) Tj ET Q q 0 0 0 rg BT 432.41 742.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 451.24 742.10 Td (char) Tj ET Q q 0 0 0 rg BT 468.27 742.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 485.45 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 499.85 742.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 542.01 742.10 Td (debit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 136.26 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 148.76 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.69 730.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 192.62 730.10 Td (card ) Tj ET Q q 0 0 0 rg BT 212.33 730.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 238.15 730.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 258.14 730.10 Td (together ) Tj ET Q q 0 0 0 rg BT 293.40 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 313.68 730.10 Td (its ) Tj ET Q q 0 0 0 rg BT 325.62 730.10 Td (af) Tj ET Q q 0 0 0 rg BT 333.21 730.10 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 365.42 730.10 Td (has ) Tj ET Q q 0 0 0 rg BT 381.25 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 407.07 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.90 730.10 Td ($10billion ) Tj ET Q q 0 0 0 rg BT 464.01 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 474.84 730.10 Td (more ) Tj ET Q q 0 0 0 rg BT 497.88 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.82 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.09 730.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 557.56 730.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (new ) Tj ET Q q 0 0 0 rg BT 105.22 718.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 142.78 718.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 193.65 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 211.21 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 232.10 718.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 250.76 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 262.76 718.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 308.07 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.07 718.10 Td (proportional ) Tj ET Q q 0 0 0 rg BT 377.06 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.40 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.18 718.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 428.61 718.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 447.28 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.18 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 465.17 718.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 511.61 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.95 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.73 718.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 559.50 718.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.31 706.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 137.06 706.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 172.03 706.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 199.24 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 215.33 706.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 249.75 706.10 Td (rulesunder ) Tj ET Q q 0 0 0 rg BT 297.23 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 314.44 706.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 354.98 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 372.74 706.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 394.40 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.38 706.10 Td (swipe ) Tj ET Q q 0 0 0 rg BT 435.48 706.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 454.34 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 472.10 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 479.30 706.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 502.06 706.10 Td (card ) Tj ET Q q 0 0 0 rg BT 522.04 706.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 548.13 706.10 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 694.10 Td (char) Tj ET Q q 0 0 0 rg BT 103.03 694.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 115.14 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 122.25 694.10 Td (merchant ) Tj ET Q q 0 0 0 rg BT 162.13 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 176.46 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 183.58 694.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 230.13 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.58 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.47 694.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 274.81 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.82 694.10 Td (21 ) Tj ET Q q 0 0 0 rg BT 298.49 694.10 Td (cents ) Tj ET Q q 0 0 0 rg BT 321.72 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.83 694.10 Td (five ) Tj ET Q q 0 0 0 rg BT 357.05 694.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 379.73 694.10 Td (points ) Tj ET Q q 0 0 0 rg BT 406.85 694.10 Td (times ) Tj ET Q q 0 0 0 rg BT 431.19 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.08 694.10 Td (value ) Tj ET Q q 0 0 0 rg BT 470.41 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.42 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.31 694.10 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 545.35 694.10 Td (plus ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 682.10 Td (up ) Tj ET Q q 0 0 0 rg BT 98.50 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.78 682.10 Td (one ) Tj ET Q q 0 0 0 rg BT 125.72 682.10 Td (cent ) Tj ET Q q 0 0 0 rg BT 144.87 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 159.03 682.10 Td (fraud ) Tj ET Q q 0 0 0 rg BT 182.63 682.10 Td (prevention ) Tj ET Q q 0 0 0 rg BT 227.89 682.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.10 Td (Increase ) Tj ET Q q 0 0 0 rg BT 121.81 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.52 670.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 175.13 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 185.96 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.67 670.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 233.16 670.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 267.87 670.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 294.80 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 305.08 670.10 Td (examine ) Tj ET Q q 0 0 0 rg BT 341.45 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.17 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 397.56 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.50 670.10 Td (its ) Tj ET Q q 0 0 0 rg BT 426.44 670.10 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 466.71 670.10 Td (subsidiaries.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (Require ) Tj ET Q q 0 0 0 rg BT 120.14 658.10 Td (all ) Tj ET Q q 0 0 0 rg BT 132.62 658.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 154.54 658.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 187.58 658.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 232.83 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.09 658.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 266.68 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 277.49 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 284.41 658.10 Td (source ) Tj ET Q q 0 0 0 rg BT 313.00 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.81 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 361.28 658.10 Td (strength ) Tj ET Q q 0 0 0 rg BT 395.98 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 406.24 658.10 Td (their ) Tj ET Q q 0 0 0 rg BT 427.05 658.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 471.75 658.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 514.80 658.10 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.28 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.00 646.10 Td (event ) Tj ET Q q 0 0 0 rg BT 135.15 646.10 Td (such ) Tj ET Q q 0 0 0 rg BT 155.98 646.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 205.70 646.10 Td (suf) Tj ET Q q 0 0 0 rg BT 217.74 646.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 231.34 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 253.28 646.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.76 646.10 Td (distress.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.10 Td (Restrict ) Tj ET Q q 0 0 0 rg BT 118.70 634.10 Td (proprietary ) Tj ET Q q 0 0 0 rg BT 164.72 634.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 194.65 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 206.25 634.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 233.67 634.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 254.71 634.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 286.86 634.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 331.23 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.26 634.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 375.80 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 391.84 634.10 Td (their ) Tj ET Q q 0 0 0 rg BT 411.76 634.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 457.24 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.28 634.10 Td (retention ) Tj ET Q q 0 0 0 rg BT 510.42 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.34 634.10 Td (ownership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 622.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 121.83 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.10 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.04 622.10 Td (sponsorship ) Tj ET Q q 0 0 0 rg BT 199.33 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.16 622.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 236.53 622.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 261.25 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.19 622.10 Td (private ) Tj ET Q q 0 0 0 rg BT 308.46 622.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 335.95 622.10 Td (funds, ) Tj ET Q q 0 0 0 rg BT 363.17 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 374.00 622.10 Td (described ) Tj ET Q q 0 0 0 rg BT 414.82 622.10 Td (above ) Tj ET Q q 0 0 0 rg BT 441.20 622.10 Td (under ) Tj ET Q q 0 0 0 rg BT 466.46 622.10 Td (--V) Tj ET Q q 0 0 0 rg BT 483.50 622.10 Td (olcker ) Tj ET Q q 0 0 0 rg BT 510.98 622.10 Td (Rule. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (Require ) Tj ET Q q 0 0 0 rg BT 120.90 610.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 150.79 610.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 176.25 610.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 206.16 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 219.40 610.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 245.97 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.64 610.10 Td (their ) Tj ET Q q 0 0 0 rg BT 285.21 610.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 319.01 610.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 365.01 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 386.03 610.10 Td (more ) Tj ET Q q 0 0 0 rg BT 409.81 610.10 Td (than ) Tj ET Q q 0 0 0 rg BT 430.27 610.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 448.51 610.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 477.86 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 488.88 610.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 515.45 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.13 610.10 Td (impose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 115.70 598.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 154.86 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.80 598.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 214.84 598.10 Td (requirements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 586.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 574.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 111.85 574.10 Td (aspects ) Tj ET Q q 0 0 0 rg BT 143.25 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.10 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.84 574.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 219.69 574.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 236.65 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.38 574.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 282.23 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.53 574.10 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 340.59 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.55 574.10 Td (take ) Tj ET Q q 0 0 0 rg BT 376.73 574.10 Td (ef) Tj ET Q q 0 0 0 rg BT 384.32 574.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 401.82 574.10 Td (over ) Tj ET Q q 0 0 0 rg BT 422.11 574.10 Td (several ) Tj ET Q q 0 0 0 rg BT 452.95 574.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 479.07 574.10 Td (making ) Tj ET Q q 0 0 0 rg BT 511.59 574.10 Td (it ) Tj ET Q q 0 0 0 rg BT 519.67 574.10 Td (dif) Tj ET Q q 0 0 0 rg BT 530.59 574.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 554.22 574.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 91.37 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.08 562.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 136.35 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.83 562.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 203.54 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 216.04 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.76 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 272.14 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.08 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.80 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 341.28 562.10 Td (services ) Tj ET Q q 0 0 0 rg BT 375.99 562.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 411.26 562.10 Td (more ) Tj ET Q q 0 0 0 rg BT 434.31 562.10 Td (generally) Tj ET Q q 0 0 0 rg BT 470.86 562.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Consumer) Tj ET Q q 0 0 0 rg BT 94.26 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 96.43 538.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 106.80 538.10 Td (otection ) Tj ET Q q 0 0 0 rg BT 142.85 538.10 Td (Laws) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.63 538.10 Td (. ) Tj ET Q q 0 0 0 rg BT 170.30 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 172.32 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 180.96 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 187.57 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 201.95 538.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 232.44 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.39 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 249.00 538.10 Td (number ) Tj ET Q q 0 0 0 rg BT 281.72 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.22 538.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 322.15 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.76 538.10 Td (state ) Tj ET Q q 0 0 0 rg BT 359.26 538.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 400.31 538.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 443.02 538.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 466.02 538.10 Td (including ) Tj ET Q q 0 0 0 rg BT 505.97 538.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 526.47 538.10 Td (designed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.45 526.10 Td (protect ) Tj ET Q q 0 0 0 rg BT 90.89 526.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 134.12 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.23 526.10 Td (promote ) Tj ET Q q 0 0 0 rg BT 187.23 526.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 219.90 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.36 526.10 Td (various ) Tj ET Q q 0 0 0 rg BT 262.47 526.10 Td (sectors ) Tj ET Q q 0 0 0 rg BT 292.92 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 303.92 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.81 526.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 358.14 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.26 526.10 Td (population. ) Tj ET Q q 0 0 0 rg BT 423.01 526.10 Td (These ) Tj ET Q q 0 0 0 rg BT 449.57 526.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 470.57 526.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 505.18 526.10 Td (among ) Tj ET Q q 0 0 0 rg BT 535.08 526.10 Td (others, ) 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 64.88 514.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 90.86 514.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 118.52 514.10 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 169.48 514.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 189.08 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.96 514.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 222.73 514.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 250.38 514.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 292.45 514.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 312.05 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.74 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 332.50 514.10 Td (ruth ) Tj ET Q q 0 0 0 rg BT 351.26 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 361.70 514.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 397.10 514.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 416.70 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.58 514.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 458.68 514.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 500.22 514.10 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 545.06 514.10 Td (Act, ) 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 64.72 502.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 85.54 502.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 112.48 502.10 Td (Settlement ) Tj ET Q q 0 0 0 rg BT 157.74 502.10 Td (Procedures ) Tj ET Q q 0 0 0 rg BT 204.12 502.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 223.56 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.50 502.10 Td (their ) Tj ET Q q 0 0 0 rg BT 261.32 502.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 304.36 502.10 Td (state ) Tj ET Q q 0 0 0 rg BT 325.18 502.10 Td (law ) Tj ET Q q 0 0 0 rg BT 342.12 502.10 Td (counterparts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 478.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.76 478.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 139.06 478.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 168.09 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.95 478.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 233.90 478.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 250.99 478.10 Td (created ) Tj ET Q q 0 0 0 rg BT 282.50 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.36 478.10 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 326.98 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.06 478.10 Td (new) Tj ET Q q 0 0 0 rg BT 350.07 478.10 Td (, ) Tj ET Q q 0 0 0 rg BT 355.22 478.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 406.74 478.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 437.15 478.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 468.11 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 488.54 478.10 Td (broad ) Tj ET Q q 0 0 0 rg BT 513.96 478.10 Td (rulemaking, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 99.97 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.72 466.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 171.01 466.10 Td (powers ) Tj ET Q q 0 0 0 rg BT 203.20 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 229.28 466.10 Td (various ) Tj ET Q q 0 0 0 rg BT 262.03 466.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 293.10 466.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 335.29 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 373.58 466.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 417.43 466.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 441.57 466.10 Td (including ) Tj ET Q q 0 0 0 rg BT 482.66 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.19 466.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 519.83 466.10 Td (referenced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 78.60 454.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 94.71 454.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 126.93 454.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 147.49 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.16 454.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 193.59 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 216.36 454.10 Td (statutes. ) Tj ET Q q 0 0 0 rg BT 250.92 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 268.70 454.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 295.39 454.10 Td (has ) Tj ET Q q 0 0 0 rg BT 310.95 454.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 362.61 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.27 454.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 413.16 454.10 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 465.35 454.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 503.69 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 523.69 454.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 554.24 454.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 94.69 442.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 141.63 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 161.88 442.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 179.36 442.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 207.95 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 218.76 442.10 Td (more ) Tj ET Q q 0 0 0 rg BT 241.78 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 252.04 442.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 280.35 442.10 Td (their ) Tj ET Q q 0 0 0 rg BT 301.15 442.10 Td (service ) Tj ET Q q 0 0 0 rg BT 331.95 442.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 372.19 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.11 442.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 418.79 442.10 Td (non-depository ) Tj ET Q q 0 0 0 rg BT 481.81 442.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 513.17 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 533.98 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 544.79 442.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (collectors ) Tj ET Q q 0 0 0 rg BT 91.14 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.84 430.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 148.98 430.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 187.91 430.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 227.09 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.36 430.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 247.18 430.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 290.55 430.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 312.26 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 321.19 430.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 351.78 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.83 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.31 430.10 Td (CFPB) Tj ET Q q 0 0 0 rg BT 403.55 430.10 Td (s ) Tj ET Q q 0 0 0 rg BT 409.71 430.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 461.40 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.11 430.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 512.03 430.10 Td (enforcement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (authority) Tj ET Q q 0 0 0 rg BT 85.45 418.10 Td (. ) Tj ET Q q 0 0 0 rg BT 90.45 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.44 394.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 131.80 394.10 Td (has ) Tj ET Q q 0 0 0 rg BT 148.03 394.10 Td (authority ) Tj ET Q q 0 0 0 rg BT 187.03 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 197.70 394.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 230.58 394.10 Td (unfair) Tj ET Q q 0 0 0 rg BT 254.06 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 259.45 394.10 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 300.66 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 311.88 394.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 345.33 394.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 383.75 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.43 394.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 441.20 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 461.87 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.98 394.10 Td (of) Tj ET Q q 0 0 0 rg BT 485.13 394.10 Td (fering ) Tj ET Q q 0 0 0 rg BT 511.90 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.13 394.10 Td (consumer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.85 382.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 129.37 382.10 Td (The ) Tj ET Q q 0 0 0 rg BT 148.78 382.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 200.68 382.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 218.98 382.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 263.94 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.02 382.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 308.35 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.00 382.10 Td (establish ) Tj ET Q q 0 0 0 rg BT 358.86 382.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 389.92 382.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 432.68 382.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 474.32 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 489.84 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.92 382.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 553.67 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 93.05 370.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 136.11 370.10 Td (including ) Tj ET Q q 0 0 0 rg BT 175.29 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 181.13 370.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 238.07 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.80 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.42 370.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 298.44 370.10 Td () Tj ET Q q 0 0 0 rg BT 301.22 370.10 Td (s ) Tj ET Q q 0 0 0 rg BT 306.52 370.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 333.47 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.65 370.10 Td (repay) Tj ET Q q 0 0 0 rg BT 364.21 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 368.11 370.10 Td (In ) Tj ET Q q 0 0 0 rg BT 377.84 370.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 414.52 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.14 370.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 478.12 370.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 493.96 370.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 521.47 370.10 Td (borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.63 358.10 Td (raise ) Tj ET Q q 0 0 0 rg BT 82.36 358.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 112.42 358.10 Td (defenses ) Tj ET Q q 0 0 0 rg BT 149.70 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.33 358.10 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 208.16 358.10 Td (if ) Tj ET Q q 0 0 0 rg BT 217.12 358.10 Td (they ) Tj ET Q q 0 0 0 rg BT 237.19 358.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 268.90 358.10 Td (any ) Tj ET Q q 0 0 0 rg BT 286.20 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 306.27 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 329.67 358.10 Td (than ) Tj ET Q q 0 0 0 rg BT 349.74 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 357.03 358.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 399.86 358.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 444.92 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 456.10 358.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 488.94 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 501.79 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.86 358.10 Td (CFPB. ) Tj ET Q q 0 0 0 rg BT 546.47 358.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 100.72 346.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 117.52 346.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 149.88 346.10 Td (states ) Tj ET Q q 0 0 0 rg BT 174.46 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.60 346.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 209.18 346.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 250.42 346.10 Td (protection ) Tj ET Q q 0 0 0 rg BT 293.32 346.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 314.02 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.82 346.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 370.95 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 388.30 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 402.87 346.10 Td (more ) Tj ET Q q 0 0 0 rg BT 425.78 346.10 Td (stringent ) Tj ET Q q 0 0 0 rg BT 463.14 346.10 Td (than ) Tj ET Q q 0 0 0 rg BT 482.72 346.10 Td (those ) Tj ET Q q 0 0 0 rg BT 506.19 346.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 540.21 346.10 Td (at ) 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 (federal ) Tj ET Q q 0 0 0 rg BT 80.38 334.10 Td (level ) Tj ET Q q 0 0 0 rg BT 102.43 334.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 122.00 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.40 334.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 162.22 334.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 223.99 334.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 256.61 334.10 Td (state ) Tj ET Q q 0 0 0 rg BT 277.56 334.10 Td (attorneys ) Tj ET Q q 0 0 0 rg BT 316.83 334.10 Td (general ) Tj ET Q q 0 0 0 rg BT 348.88 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.28 334.10 Td (enforce ) Tj ET Q q 0 0 0 rg BT 391.88 334.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 440.60 334.10 Td (with ) Tj ET Q q 0 0 0 rg BT 461.00 334.10 Td (both ) Tj ET Q q 0 0 0 rg BT 481.40 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.24 334.10 Td (state ) Tj ET Q q 0 0 0 rg BT 517.19 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 534.25 334.10 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 70.83 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.77 322.10 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.15 298.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 131.22 298.10 Td (has ) Tj ET Q q 0 0 0 rg BT 147.16 298.10 Td (finalized ) Tj ET Q q 0 0 0 rg BT 184.75 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 191.79 298.10 Td (number ) Tj ET Q q 0 0 0 rg BT 224.94 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.88 298.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 280.70 298.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 302.74 298.10 Td (which ) Tj ET Q q 0 0 0 rg BT 329.79 298.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 359.61 298.10 Td (nearly ) Tj ET Q q 0 0 0 rg BT 387.20 298.10 Td (every ) Tj ET Q q 0 0 0 rg BT 412.01 298.10 Td (aspect ) Tj ET Q q 0 0 0 rg BT 439.60 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.54 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.36 298.10 Td (lifecycle ) Tj ET Q q 0 0 0 rg BT 502.39 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.33 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.37 298.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.54 286.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 113.03 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.19 286.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 147.97 286.10 Td (other ) Tj ET Q q 0 0 0 rg BT 171.29 286.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 201.01 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.00 286.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 238.22 286.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 272.65 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 285.42 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.41 286.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 327.65 286.10 Td (require ) Tj ET Q q 0 0 0 rg BT 358.74 286.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 384.85 286.10 Td (to: ) Tj ET Q q 0 0 0 rg BT 398.18 286.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 410.39 286.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 444.82 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.04 286.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 507.58 286.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 554.22 286.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 78.50 274.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 126.99 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 147.17 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.79 274.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 194.18 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 204.36 274.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 233.41 274.10 Td (test ) Tj ET Q q 0 0 0 rg BT 249.69 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.53 274.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 300.04 274.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 334.65 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.49 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 361.11 274.10 Td (meets ) Tj ET Q q 0 0 0 rg BT 386.83 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 393.67 274.10 Td (new ) Tj ET Q q 0 0 0 rg BT 412.73 274.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 454.02 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 468.08 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.92 274.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 517.30 274.10 Td (mortgage, ) 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 59.31 262.10 Td (which ) Tj ET Q q 0 0 0 rg BT 85.28 262.10 Td (case ) Tj ET Q q 0 0 0 rg BT 104.02 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 109.99 262.10 Td (rebuttable ) Tj ET Q q 0 0 0 rg BT 151.50 262.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 203.02 262.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 227.33 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 243.86 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.60 262.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 290.23 262.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 331.19 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.94 262.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 363.69 262.10 Td (has ) Tj ET Q q 0 0 0 rg BT 378.55 262.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 413.41 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.15 262.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 454.24 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.54 262.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 487.28 262.10 Td (test; ) Tj ET Q q 0 0 0 rg BT 505.48 262.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 519.23 262.10 Td (implement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (new ) Tj ET Q q 0 0 0 rg BT 68.76 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 79.20 250.10 Td (revised ) Tj ET Q q 0 0 0 rg BT 110.18 250.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 159.22 250.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 192.43 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.97 250.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 254.94 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 268.70 250.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 314.69 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.23 250.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 369.99 250.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 413.75 250.10 Td (including, ) Tj ET Q q 0 0 0 rg BT 456.13 250.10 Td (but ) Tj ET Q q 0 0 0 rg BT 471.01 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 485.89 250.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 516.32 250.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 528.70 250.10 Td (pre-loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (counseling, ) Tj ET Q q 0 0 0 rg BT 97.77 238.10 Td (early ) Tj ET Q q 0 0 0 rg BT 119.71 238.10 Td (intervention ) Tj ET Q q 0 0 0 rg BT 169.98 238.10 Td (with ) Tj ET Q q 0 0 0 rg BT 189.71 238.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 233.87 238.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 276.36 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.75 238.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 325.79 238.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 343.30 238.10 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 386.36 238.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 432.18 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 445.79 238.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.85 238.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 501.33 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 513.28 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 519.67 238.10 Td (borrower's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.43 226.10 Td (residence; ) Tj ET Q q 0 0 0 rg BT 131.84 226.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 149.72 226.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 182.60 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 203.26 226.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 246.13 226.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 293.45 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 306.33 226.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 346.98 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 367.08 226.10 Td (originator ) Tj ET Q q 0 0 0 rg BT 409.40 226.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 436.17 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.49 226.10 Td (compensation; ) Tj ET Q q 0 0 0 rg BT 514.69 226.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 532.01 226.10 Td (comply ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.45 214.10 Td (new ) Tj ET Q q 0 0 0 rg BT 89.78 214.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 133.00 214.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 187.87 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.98 214.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 245.42 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.75 214.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 302.41 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.52 214.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 349.39 214.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 387.04 214.10 Td (products; ) Tj ET Q q 0 0 0 rg BT 426.93 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.04 214.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 458.37 214.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 496.03 214.10 Td (escrow ) Tj ET Q q 0 0 0 rg BT 527.02 214.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 65.00 202.10 Td (higher) Tj ET Q q 0 0 0 rg BT 90.35 202.10 Td (-priced ) Tj ET Q q 0 0 0 rg BT 122.00 202.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 163.11 202.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.56 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 202.56 202.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.34 202.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 239.23 202.10 Td (period ) Tj ET Q q 0 0 0 rg BT 268.12 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.79 202.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 303.40 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 306.50 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 325.39 202.10 Td (new ) Tj ET Q q 0 0 0 rg BT 345.39 202.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 368.17 202.10 Td (include ) Tj ET Q q 0 0 0 rg BT 400.95 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.26 202.10 Td (TILA-RESP) Tj ET Q q 0 0 0 rg BT 465.35 202.10 Td (A) Tj ET Q q 0 0 0 rg BT 472.02 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.36 202.10 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 519.23 202.10 Td (Disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (\(TRID\) ) Tj ET Q q 0 0 0 rg BT 82.35 190.10 Td (rules. ) Tj ET Q q 0 0 0 rg BT 106.47 190.10 Td (The ) Tj ET Q q 0 0 0 rg BT 124.20 190.10 Td (TRID ) Tj ET Q q 0 0 0 rg BT 149.88 190.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 171.68 190.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 203.47 190.10 Td (new ) Tj ET Q q 0 0 0 rg BT 222.48 190.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 277.04 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.83 190.10 Td (new ) Tj ET Q q 0 0 0 rg BT 312.85 190.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 355.75 190.10 Td (forms ) Tj ET Q q 0 0 0 rg BT 381.43 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 398.78 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 413.35 190.10 Td (required ) Tj ET Q q 0 0 0 rg BT 449.02 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.15 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 470.94 190.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 508.85 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.98 190.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 564.52 190.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 178.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.82 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 80.78 178.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 126.30 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.83 178.10 Td (analyze ) Tj ET Q q 0 0 0 rg BT 170.11 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.07 178.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 215.03 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 232.78 178.10 Td (such ) Tj ET Q q 0 0 0 rg BT 253.85 178.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 276.04 178.10 Td (may ) Tj ET Q q 0 0 0 rg BT 296.00 178.10 Td (have ) Tj ET Q q 0 0 0 rg BT 317.63 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 330.38 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.46 178.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 385.60 178.10 Td (In ) Tj ET Q q 0 0 0 rg BT 396.67 178.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 432.20 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.72 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.69 178.10 Td (exercise ) Tj ET Q q 0 0 0 rg BT 493.19 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.27 178.10 Td (its ) Tj ET Q q 0 0 0 rg BT 516.46 178.10 Td (rulemaking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (authority) Tj ET Q q 0 0 0 rg BT 85.45 166.10 Td (, ) Tj ET Q q 0 0 0 rg BT 90.27 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.80 166.10 Td (CFPB) Tj ET Q q 0 0 0 rg BT 132.04 166.10 Td (s ) Tj ET Q q 0 0 0 rg BT 138.25 166.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 187.23 166.10 Td (powers ) Tj ET Q q 0 0 0 rg BT 218.43 166.10 Td (entitle ) Tj ET Q q 0 0 0 rg BT 245.73 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.26 166.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 287.04 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.14 166.10 Td (examine ) Tj ET Q q 0 0 0 rg BT 333.33 166.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 380.09 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 394.07 166.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 435.83 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.48 166.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 487.67 166.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 519.98 166.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 543.13 166.10 Td (even ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 154.10 Td (absence ) Tj ET Q q 0 0 0 rg BT 109.14 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.97 154.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 161.35 154.10 Td (complaints ) Tj ET Q q 0 0 0 rg BT 207.73 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 218.56 154.10 Td (damages. ) Tj ET Q q 0 0 0 rg BT 258.54 154.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 90.89 130.10 Td (Compensation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.56 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.91 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 175.90 130.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 225.91 130.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 241.80 130.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 275.46 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.12 130.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 318.33 130.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 351.99 130.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 393.43 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.32 130.10 Td (other ) Tj ET Q q 0 0 0 rg BT 431.31 130.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 469.68 130.10 Td (including ) Tj ET Q q 0 0 0 rg BT 508.91 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 130.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.75 118.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 106.48 118.10 Td (Commission, ) Tj ET Q q 0 0 0 rg BT 160.85 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.94 118.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 191.25 118.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 236.99 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 246.63 118.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 289.04 118.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 327.01 118.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 368.86 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.95 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.47 118.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 432.77 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 442.41 118.10 Td (incentive-based ) Tj ET Q q 0 0 0 rg BT 506.46 118.10 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 107.36 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.29 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.56 106.10 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 171.72 106.10 Td (incentive-based ) Tj ET Q q 0 0 0 rg BT 237.97 106.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 297.01 106.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 354.36 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 369.52 106.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 410.50 106.10 Td (of) Tj ET Q q 0 0 0 rg BT 418.65 106.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 444.35 106.10 Td (or ) Tj ET Q q 0 0 0 rg BT 456.18 106.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 502.43 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.92 106.10 Td (encourage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (inappropriate ) Tj ET Q q 0 0 0 rg BT 105.31 94.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 126.20 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 138.20 94.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 179.09 94.10 Td (excessive ) Tj ET Q q 0 0 0 rg BT 219.40 94.10 Td (compensation, ) Tj ET Q q 0 0 0 rg BT 279.44 94.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 297.54 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 307.87 94.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 341.53 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 351.86 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 368.85 94.10 Td (could ) Tj ET Q q 0 0 0 rg BT 393.07 94.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 411.72 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.50 94.10 Td (material ) Tj ET Q q 0 0 0 rg BT 456.26 94.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 493.24 94.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 510.80 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.58 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 527.01 94.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (institution. ) Tj ET Q q 0 0 0 rg BT 98.55 82.10 Td (Proposed ) Tj ET Q q 0 0 0 rg BT 138.75 82.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 186.17 82.10 Td (for ) Tj ET Q q 0 0 0 rg BT 200.82 82.10 Td (this ) Tj ET Q q 0 0 0 rg BT 218.25 82.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 252.89 82.10 Td (have ) Tj ET Q q 0 0 0 rg BT 274.76 82.10 Td (been ) Tj ET Q q 0 0 0 rg BT 296.62 82.10 Td (published, ) Tj ET Q q 0 0 0 rg BT 340.99 82.10 Td (which ) Tj ET Q q 0 0 0 rg BT 368.41 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 383.60 82.10 Td (based ) Tj ET Q q 0 0 0 rg BT 409.36 82.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 432.34 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.54 82.10 Td (key ) Tj ET Q q 0 0 0 rg BT 464.97 82.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 507.39 82.10 Td (that ) Tj ET Q q 0 0 0 rg BT 525.37 82.10 Td (incentive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.35 70.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 165.01 70.10 Td (should ) Tj ET Q q 0 0 0 rg BT 194.49 70.10 Td (\(i\)provide ) Tj ET Q q 0 0 0 rg BT 239.78 70.10 Td (incentives ) Tj ET Q q 0 0 0 rg BT 283.13 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 300.93 70.10 Td (do ) Tj ET Q q 0 0 0 rg BT 313.73 70.10 Td (not ) Tj ET Q q 0 0 0 rg BT 329.32 70.10 Td (encourage ) Tj ET Q q 0 0 0 rg BT 373.21 70.10 Td (risk-taking ) Tj ET Q q 0 0 0 rg BT 419.34 70.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 451.58 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.60 70.10 Td (or) Tj ET Q q 0 0 0 rg BT 474.75 70.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 519.18 70.10 Td (s ) Tj ET Q q 0 0 0 rg BT 525.88 70.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 554.23 70.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 58.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 94.05 58.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 126.63 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.55 58.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 175.12 58.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 197.99 58.10 Td (\(ii\)be ) Tj ET Q q 0 0 0 rg BT 223.62 58.10 Td (compatible ) Tj ET Q q 0 0 0 rg BT 269.53 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 288.79 58.10 Td (ef) Tj ET Q q 0 0 0 rg BT 296.37 58.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 325.05 58.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 357.08 58.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 390.77 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.69 58.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 423.17 58.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 478.23 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.15 58.10 Td (\(iii\)be ) Tj ET Q q 0 0 0 rg BT 522.56 58.10 Td (supported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.36 46.10 Td (strong ) Tj ET Q q 0 0 0 rg BT 89.73 46.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 129.85 46.10 Td (governance, ) Tj ET Q q 0 0 0 rg BT 180.80 46.10 Td (including ) Tj ET Q q 0 0 0 rg BT 220.94 46.10 Td (active ) Tj ET Q q 0 0 0 rg BT 247.17 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.98 46.10 Td (ef) Tj ET Q q 0 0 0 rg BT 271.56 46.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 301.13 46.10 Td (oversight ) Tj ET Q q 0 0 0 rg BT 340.71 46.10 Td (by ) Tj ET Q q 0 0 0 rg BT 353.08 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.66 46.10 Td (or) Tj ET Q q 0 0 0 rg BT 375.81 46.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 420.24 46.10 Td (s ) Tj ET Q q 0 0 0 rg BT 426.49 46.10 Td (board ) Tj ET Q q 0 0 0 rg BT 451.63 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.32 46.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 499.67 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.47 46.10 Td (appropriate ) Tj ET Q endstream endobj 33 0 obj <> endobj 34 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 85.71 742.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 131.68 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.23 742.10 Td (monitoring. ) Tj ET Q q 0 0 0 rg BT 199.78 742.10 Td (It ) Tj ET Q q 0 0 0 rg BT 208.00 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 216.77 742.10 Td (proposed ) Tj ET Q q 0 0 0 rg BT 255.54 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 272.64 742.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 319.20 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 339.09 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 364.52 742.10 Td (between ) Tj ET Q q 0 0 0 rg BT 399.95 742.10 Td ($1 ) Tj ET Q q 0 0 0 rg BT 412.05 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.60 742.10 Td ($50 ) Tj ET Q q 0 0 0 rg BT 445.71 742.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 473.93 742.10 Td (must ) Tj ET Q q 0 0 0 rg BT 495.48 742.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 532.58 742.10 Td (records ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (documenting ) Tj ET Q q 0 0 0 rg BT 103.65 730.10 Td (their ) Tj ET Q q 0 0 0 rg BT 123.42 730.10 Td (incentive-based ) Tj ET Q q 0 0 0 rg BT 187.61 730.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 244.59 730.10 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 302.39 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.83 730.10 Td (In ) Tj ET Q q 0 0 0 rg BT 313.60 730.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 350.32 730.10 Td (those ) Tj ET Q q 0 0 0 rg BT 372.87 730.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 418.76 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 432.41 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 441.63 730.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 469.17 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 485.60 730.10 Td (those ) Tj ET Q q 0 0 0 rg BT 508.15 730.10 Td (arrangements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 106.02 718.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 139.27 718.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 156.98 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.14 718.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 211.83 718.10 Td (rewards, ) Tj ET Q q 0 0 0 rg BT 248.70 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 263.62 718.10 Td (compatible ) Tj ET Q q 0 0 0 rg BT 310.76 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 331.25 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 338.84 718.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 368.75 718.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 386.47 718.10 Td (management ) Tj ET Q q 0 0 0 rg BT 440.27 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.42 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 472.34 718.10 Td (supported ) Tj ET Q q 0 0 0 rg BT 514.50 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 527.21 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.80 718.10 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (governance. ) Tj ET Q q 0 0 0 rg BT 100.36 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.83 706.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 144.20 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 159.45 706.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 186.37 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 192.72 706.10 Td (bulletin ) Tj ET Q q 0 0 0 rg BT 225.19 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.11 706.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 258.46 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.82 706.10 Td (other ) Tj ET Q q 0 0 0 rg BT 297.28 706.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 335.85 706.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 375.53 706.10 Td (indicating ) Tj ET Q q 0 0 0 rg BT 417.44 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 434.35 706.10 Td (it ) Tj ET Q q 0 0 0 rg BT 441.82 706.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 473.73 706.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 520.10 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.79 706.10 Td (institute ) 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 (fective ) Tj ET Q q 0 0 0 rg BT 86.61 694.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 103.43 694.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 137.47 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.95 694.10 Td (these ) Tj ET Q q 0 0 0 rg BT 173.32 694.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 212.90 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 229.72 694.10 Td (include ) Tj ET Q q 0 0 0 rg BT 260.97 694.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 281.69 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.28 694.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 333.65 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 354.91 694.10 Td (unfair ) Tj ET Q q 0 0 0 rg BT 380.61 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.87 694.10 Td (abusive ) Tj ET Q q 0 0 0 rg BT 429.23 694.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 450.49 694.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 487.84 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.10 694.10 Td (other ) Tj ET Q q 0 0 0 rg BT 526.47 694.10 Td (practices ) 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 66.94 682.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 99.15 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.08 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 123.02 682.10 Td (robust ) Tj ET Q q 0 0 0 rg BT 150.52 682.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 199.11 682.10 Td (management ) Tj ET Q q 0 0 0 rg BT 252.70 682.10 Td (system.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (As ) Tj ET Q q 0 0 0 rg BT 102.36 658.10 Td (part ) Tj ET Q q 0 0 0 rg BT 123.15 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.73 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.20 658.10 Td (regular) Tj ET Q q 0 0 0 rg BT 182.11 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 189.86 658.10 Td (risk-focused ) Tj ET Q q 0 0 0 rg BT 244.53 658.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 299.21 658.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 336.95 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 354.41 658.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 396.31 658.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 457.10 658.10 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 516.21 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 529.78 658.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (or) Tj ET Q q 0 0 0 rg BT 58.15 646.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 105.63 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 123.13 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 134.50 646.10 Td (reviewed, ) Tj ET Q q 0 0 0 rg BT 175.59 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.96 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.12 646.10 Td (regulator) Tj ET Q q 0 0 0 rg BT 242.58 646.10 Td () Tj ET Q q 0 0 0 rg BT 245.36 646.10 Td (s ) Tj ET Q q 0 0 0 rg BT 251.19 646.10 Td (findings ) Tj ET Q q 0 0 0 rg BT 285.91 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 303.40 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 314.78 646.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 367.25 646.10 Td (into ) Tj ET Q q 0 0 0 rg BT 384.75 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.90 646.10 Td (or) Tj ET Q q 0 0 0 rg BT 407.05 646.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 451.48 646.10 Td (s ) Tj ET Q q 0 0 0 rg BT 457.31 646.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 505.91 646.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 537.56 646.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (can ) Tj ET Q q 0 0 0 rg BT 67.24 634.10 Td (af) Tj ET Q q 0 0 0 rg BT 74.83 634.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 93.18 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.77 634.10 Td (or) Tj ET Q q 0 0 0 rg BT 116.92 634.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 161.35 634.10 Td (s ) Tj ET Q q 0 0 0 rg BT 168.60 634.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 197.52 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.67 634.10 Td (make ) Tj ET Q q 0 0 0 rg BT 233.69 634.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 284.83 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.63 634.10 Td (take ) Tj ET Q q 0 0 0 rg BT 322.66 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 346.57 634.10 Td (actions. ) Tj ET Q q 0 0 0 rg BT 380.76 634.10 Td (Enforcement ) Tj ET Q q 0 0 0 rg BT 435.77 634.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 467.46 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 488.04 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 500.85 634.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 525.87 634.10 Td (against ) 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 (banking ) Tj ET Q q 0 0 0 rg BT 85.09 622.10 Td (or) Tj ET Q q 0 0 0 rg BT 93.24 622.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 137.77 622.10 Td (if ) Tj ET Q q 0 0 0 rg BT 146.75 622.10 Td (its ) Tj ET Q q 0 0 0 rg BT 159.07 622.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 198.60 622.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 257.02 622.10 Td (arrangements, ) Tj ET Q q 0 0 0 rg BT 316.25 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 327.46 622.10 Td (related ) Tj ET Q q 0 0 0 rg BT 357.54 622.10 Td (risk-management ) Tj ET Q q 0 0 0 rg BT 429.83 622.10 Td (control ) Tj ET Q q 0 0 0 rg BT 461.03 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 472.23 622.10 Td (governance ) Tj ET Q q 0 0 0 rg BT 521.19 622.10 Td (processes, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 70.66 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 77.43 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 94.76 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.86 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.41 610.10 Td (or) Tj ET Q q 0 0 0 rg BT 127.56 610.10 Td (ganization) Tj ET Q q 0 0 0 rg BT 171.99 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 178.21 610.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 204.41 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.18 610.10 Td (soundness ) Tj ET Q q 0 0 0 rg BT 264.62 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.39 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.94 610.10 Td (or) Tj ET Q q 0 0 0 rg BT 304.09 610.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 348.07 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 357.07 610.10 Td (not ) Tj ET Q q 0 0 0 rg BT 372.17 610.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 399.50 610.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 430.71 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 447.48 610.10 Td (ef) Tj ET Q q 0 0 0 rg BT 455.07 610.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 484.60 610.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 524.14 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.24 610.10 Td (correct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.94 598.10 Td (deficiencies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 586.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.54 574.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 128.30 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.73 574.10 Td (content ) Tj ET Q q 0 0 0 rg BT 176.16 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.49 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.70 574.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 220.47 574.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 254.68 574.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 301.11 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.54 574.10 Td (regulators) Tj ET Q q 0 0 0 rg BT 360.12 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 362.11 574.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 395.21 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 407.20 574.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 447.50 574.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 505.04 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 519.24 574.10 Td (continuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.62 562.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 95.12 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.40 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 127.45 562.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 153.06 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.68 562.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 200.96 562.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 238.79 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.41 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.47 562.10 Td (near ) Tj ET Q q 0 0 0 rg BT 284.52 562.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 313.74 562.10 Td (It ) Tj ET Q q 0 0 0 rg BT 322.69 562.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 352.19 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 364.47 562.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 412.29 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 422.35 562.10 Td (this ) Tj ET Q q 0 0 0 rg BT 439.64 562.10 Td (time ) Tj ET Q q 0 0 0 rg BT 460.25 562.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 495.30 562.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 544.23 562.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 550.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 104.43 550.10 Td (will ) Tj ET Q q 0 0 0 rg BT 122.49 550.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 163.31 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 170.89 550.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 188.38 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.10 550.10 Td (Company) Tj ET Q q 0 0 0 rg BT 244.76 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 251.15 550.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 279.20 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.48 550.10 Td (hire, ) Tj ET Q q 0 0 0 rg BT 310.03 550.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 335.29 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.23 550.10 Td (motivate ) Tj ET Q q 0 0 0 rg BT 389.72 550.10 Td (its ) Tj ET Q q 0 0 0 rg BT 401.67 550.10 Td (key ) Tj ET Q q 0 0 0 rg BT 418.61 550.10 Td (employees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 538.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Other) Tj ET Q q 0 0 0 rg BT 75.37 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.86 526.10 Td (Futur) Tj ET Q q 0 0 0 rg BT 102.68 526.10 Td (e ) Tj ET Q q 0 0 0 rg BT 109.61 526.10 Td (Legislation ) Tj ET Q q 0 0 0 rg BT 159.33 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.95 526.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 217.12 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 227.95 526.10 Td (Regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.01 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.01 526.10 Td (From ) Tj ET Q q 0 0 0 rg BT 310.17 526.10 Td (time ) Tj ET Q q 0 0 0 rg BT 330.44 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.71 526.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 363.48 526.10 Td (various ) Tj ET Q q 0 0 0 rg BT 395.41 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 418.45 526.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 462.05 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.98 526.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 522.57 526.10 Td (initiatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.38 514.10 Td (introduced ) Tj ET Q q 0 0 0 rg BT 111.32 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 122.27 514.10 Td (Congress ) Tj ET Q q 0 0 0 rg BT 162.67 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.28 514.10 Td (state ) Tj ET Q q 0 0 0 rg BT 201.78 514.10 Td (legislatures, ) Tj ET Q q 0 0 0 rg BT 252.99 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 264.50 514.10 Td (well ) Tj ET Q q 0 0 0 rg BT 284.89 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 296.39 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 309.57 514.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 353.83 514.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 393.93 514.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 417.10 514.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 459.72 514.10 Td (may ) Tj ET Q q 0 0 0 rg BT 480.11 514.10 Td (include ) Tj ET Q q 0 0 0 rg BT 512.71 514.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 554.22 514.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 82.04 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 93.53 502.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 128.90 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.28 502.10 Td (powers ) Tj ET Q q 0 0 0 rg BT 176.32 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.82 502.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 210.42 502.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 244.14 502.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 290.06 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 307.67 502.10 Td (depository ) Tj ET Q q 0 0 0 rg BT 353.05 502.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 400.66 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 412.16 502.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 453.65 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 464.59 502.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 518.30 502.10 Td (change ) Tj ET Q q 0 0 0 rg BT 549.78 502.10 Td (the ) Tj ET Q BT /F1 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 88.66 490.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 132.90 490.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 177.67 490.10 Td (system. ) Tj ET Q q 0 0 0 rg BT 211.63 490.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 235.31 490.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 280.64 490.10 Td (could ) Tj ET Q q 0 0 0 rg BT 306.54 490.10 Td (change ) Tj ET Q q 0 0 0 rg BT 338.53 490.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 374.43 490.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 408.10 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.22 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 442.11 490.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 483.55 490.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 537.77 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 490.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.97 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.83 478.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 145.68 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 162.20 478.10 Td (unpredictable ) Tj ET Q q 0 0 0 rg BT 218.70 478.10 Td (ways. ) Tj ET Q q 0 0 0 rg BT 243.83 478.10 Td (If ) Tj ET Q q 0 0 0 rg BT 252.57 478.10 Td (enacted, ) Tj ET Q q 0 0 0 rg BT 287.68 478.10 Td (such ) Tj ET Q q 0 0 0 rg BT 308.09 478.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 351.83 478.10 Td (could ) Tj ET Q q 0 0 0 rg BT 376.13 478.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 410.96 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 421.37 478.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 457.87 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.16 478.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 490.35 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.76 478.10 Td (doing ) Tj ET Q q 0 0 0 rg BT 525.62 478.10 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 70.78 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 80.99 466.10 Td (expand ) Tj ET Q q 0 0 0 rg BT 111.76 466.10 Td (permissible ) Tj ET Q q 0 0 0 rg BT 159.75 466.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 197.73 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.95 466.10 Td (af) Tj ET Q q 0 0 0 rg BT 215.54 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 232.41 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.51 466.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 295.60 466.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 328.02 466.10 Td (among ) Tj ET Q q 0 0 0 rg BT 357.13 466.10 Td (banks, ) Tj ET Q q 0 0 0 rg BT 384.84 466.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 416.73 466.10 Td (associations, ) Tj ET Q q 0 0 0 rg BT 469.44 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 494.09 466.10 Td (unions, ) Tj ET Q q 0 0 0 rg BT 525.15 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.47 466.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.23 454.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 136.28 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 154.07 454.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 195.21 454.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 224.12 454.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 254.14 454.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 288.60 454.10 Td (any ) Tj ET Q q 0 0 0 rg BT 305.29 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 325.87 454.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 369.78 454.10 Td (will ) Tj ET Q q 0 0 0 rg BT 387.59 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 399.28 454.10 Td (enacted, ) Tj ET Q q 0 0 0 rg BT 434.57 454.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 453.76 454.10 Td (if ) Tj ET Q q 0 0 0 rg BT 462.12 454.10 Td (enacted, ) Tj ET Q q 0 0 0 rg BT 497.40 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.87 454.10 Td (ef) Tj ET Q q 0 0 0 rg BT 519.46 454.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.70 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 553.95 454.10 Td (it, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.50 442.10 Td (any ) Tj ET Q q 0 0 0 rg BT 79.10 442.10 Td (implementing ) Tj ET Q q 0 0 0 rg BT 137.81 442.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 187.91 442.10 Td (would ) Tj ET Q q 0 0 0 rg BT 216.08 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 238.12 442.10 Td (on ) Tj ET Q q 0 0 0 rg BT 251.28 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.67 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 304.81 442.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 345.75 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 357.25 442.10 Td (results ) Tj ET Q q 0 0 0 rg BT 386.52 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.02 442.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 442.84 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.33 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.72 442.10 Td (Company) Tj ET Q q 0 0 0 rg BT 507.95 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 512.92 442.10 Td (A) Tj ET Q q 0 0 0 rg BT 519.59 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.76 442.10 Td (change ) Tj ET Q q 0 0 0 rg BT 554.24 442.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (statutes, ) Tj ET Q q 0 0 0 rg BT 85.24 430.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 132.41 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 143.48 430.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 187.32 430.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 221.16 430.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 264.99 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.51 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.47 430.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 308.77 430.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 348.72 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 359.79 430.10 Td (any ) Tj ET Q q 0 0 0 rg BT 376.97 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.04 430.10 Td (its ) Tj ET Q q 0 0 0 rg BT 400.23 430.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 450.19 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 475.15 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 496.76 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 503.94 430.10 Td (material ) 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 62.50 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.22 418.10 Td (business ) Tj ET Q q 0 0 0 rg BT 113.61 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.44 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.16 418.10 Td (Company) Tj ET Q q 0 0 0 rg BT 177.39 418.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Internet ) Tj ET Q q 0 0 0 rg BT 87.31 394.10 Td (W) Tj ET Q q 0 0 0 rg BT 96.76 394.10 Td (ebsite) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 370.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 370.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.81 370.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 137.53 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 143.70 370.10 Td (website ) Tj ET Q q 0 0 0 rg BT 175.98 370.10 Td (with ) Tj ET Q q 0 0 0 rg BT 195.49 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.44 370.10 Td (address ) Tj ET Q q 0 0 0 rg BT 241.16 370.10 Td (www) Tj ET Q q 0 0 0 rg BT 262.18 370.10 Td (.mbfinancial.com. ) Tj ET Q q 0 0 0 rg BT 338.76 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 356.04 370.10 Td (information ) Tj ET Q q 0 0 0 rg BT 404.99 370.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 445.59 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 457.32 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 472.39 370.10 Td (website ) Tj ET Q q 0 0 0 rg BT 504.66 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 513.07 370.10 Td (not ) Tj ET Q q 0 0 0 rg BT 527.58 370.10 Td (included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.13 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 68.37 358.10 Td (part ) Tj ET Q q 0 0 0 rg BT 86.72 358.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 100.35 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 111.48 358.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 164.81 358.10 Td (by ) Tj ET Q q 0 0 0 rg BT 177.61 358.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 217.59 358.10 Td (into, ) Tj ET Q q 0 0 0 rg BT 238.45 358.10 Td (this ) Tj ET Q q 0 0 0 rg BT 255.08 358.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 287.32 358.10 Td (Report ) Tj ET Q q 0 0 0 rg BT 317.34 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 330.14 358.10 Td (Form10-K. ) Tj ET Q q 0 0 0 rg BT 382.66 358.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 408.23 358.10 Td (than ) Tj ET Q q 0 0 0 rg BT 428.24 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 440.48 358.10 Td (investor) Tj ET Q q 0 0 0 rg BT 473.07 358.10 Td () Tj ET Q q 0 0 0 rg BT 475.85 358.10 Td (s ) Tj ET Q q 0 0 0 rg BT 482.54 358.10 Td (own ) Tj ET Q q 0 0 0 rg BT 502.56 358.10 Td (Internet ) Tj ET Q q 0 0 0 rg BT 536.46 358.10 Td (access ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 346.10 Td (ges, ) Tj ET Q q 0 0 0 rg BT 84.90 346.10 Td (we ) Tj ET Q q 0 0 0 rg BT 98.61 346.10 Td (make ) Tj ET Q q 0 0 0 rg BT 122.31 346.10 Td (available ) Tj ET Q q 0 0 0 rg BT 160.45 346.10 Td (free ) Tj ET Q q 0 0 0 rg BT 178.03 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.41 346.10 Td (char) Tj ET Q q 0 0 0 rg BT 205.44 346.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 216.92 346.10 Td (through ) Tj ET Q q 0 0 0 rg BT 250.08 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.46 346.10 Td (website ) Tj ET Q q 0 0 0 rg BT 298.05 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 312.98 346.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 344.46 346.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 377.62 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 389.67 346.10 Td (Form10-K, ) Tj ET Q q 0 0 0 rg BT 438.94 346.10 Td (Quarterly ) Tj ET Q q 0 0 0 rg BT 479.30 346.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 512.45 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 524.50 346.10 Td (Form10-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (Q ) Tj ET Q q 0 0 0 rg BT 58.64 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 74.49 334.10 Td (Current ) Tj ET Q q 0 0 0 rg BT 106.46 334.10 Td (Reports ) Tj ET Q q 0 0 0 rg BT 138.98 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.40 334.10 Td (Form8-K, ) Tj ET Q q 0 0 0 rg BT 194.03 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.89 334.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 261.85 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.04 334.10 Td (these ) Tj ET Q q 0 0 0 rg BT 293.00 334.10 Td (reports, ) Tj ET Q q 0 0 0 rg BT 324.69 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.43 334.10 Td (soon ) Tj ET Q q 0 0 0 rg BT 354.74 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 364.49 334.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 409.22 334.10 Td (practicable ) Tj ET Q q 0 0 0 rg BT 454.49 334.10 Td (after ) Tj ET Q q 0 0 0 rg BT 474.22 334.10 Td (we ) Tj ET Q q 0 0 0 rg BT 487.30 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 507.59 334.10 Td (electronically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 70.83 322.10 Td (such ) Tj ET Q q 0 0 0 rg BT 91.66 322.10 Td (material ) Tj ET Q q 0 0 0 rg BT 126.91 322.10 Td (with, ) Tj ET Q q 0 0 0 rg BT 149.69 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 160.52 322.10 Td (furnished ) Tj ET Q q 0 0 0 rg BT 200.79 322.10 Td (such ) Tj ET Q q 0 0 0 rg BT 221.62 322.10 Td (material ) Tj ET Q q 0 0 0 rg BT 256.88 322.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 269.66 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.38 322.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 326.31 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.25 322.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 385.17 322.10 Td (Commission.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 286.10 Td (Item 1A. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 286.10 Td ( Risk Factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 274.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.10 Td (An ) Tj ET Q q 0 0 0 rg BT 100.74 262.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 147.13 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 157.43 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 173.27 262.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 213.55 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 222.73 262.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 253.57 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.87 262.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 285.27 262.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 320.55 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.84 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 346.69 262.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 388.09 262.10 Td (Before ) Tj ET Q q 0 0 0 rg BT 417.82 262.10 Td (making ) Tj ET Q q 0 0 0 rg BT 450.33 262.10 Td (an ) Tj ET Q q 0 0 0 rg BT 462.28 262.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 508.68 262.10 Td (decision, ) Tj ET Q q 0 0 0 rg BT 547.02 262.10 Td (you ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (should ) Tj ET Q q 0 0 0 rg BT 79.51 250.10 Td (carefully ) Tj ET Q q 0 0 0 rg BT 117.87 250.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 154.59 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.64 250.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 191.37 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.64 250.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 262.57 250.10 Td (described ) Tj ET Q q 0 0 0 rg BT 303.72 250.10 Td (below ) Tj ET Q q 0 0 0 rg BT 330.99 250.10 Td (together ) Tj ET Q q 0 0 0 rg BT 366.59 250.10 Td (with ) Tj ET Q q 0 0 0 rg BT 387.21 250.10 Td (all ) Tj ET Q q 0 0 0 rg BT 400.04 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.20 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.26 250.10 Td (other ) Tj ET Q q 0 0 0 rg BT 449.64 250.10 Td (information ) Tj ET Q q 0 0 0 rg BT 499.69 250.10 Td (included ) Tj ET Q q 0 0 0 rg BT 536.96 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.57 250.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (report. ) Tj ET Q q 0 0 0 rg BT 81.47 238.10 Td (In ) Tj ET Q q 0 0 0 rg BT 92.40 238.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 127.77 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.15 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.96 238.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 174.45 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.49 238.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 245.18 238.10 Td (described ) Tj ET Q q 0 0 0 rg BT 286.09 238.10 Td (below) Tj ET Q q 0 0 0 rg BT 309.88 238.10 Td (, ) Tj ET Q q 0 0 0 rg BT 314.98 238.10 Td (other ) Tj ET Q q 0 0 0 rg BT 338.12 238.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 359.61 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.65 238.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 430.33 238.10 Td (not ) Tj ET Q q 0 0 0 rg BT 445.71 238.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 484.40 238.10 Td (known ) Tj ET Q q 0 0 0 rg BT 514.22 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.59 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 536.08 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 547.01 238.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (we ) Tj ET Q q 0 0 0 rg BT 65.08 226.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 104.59 226.10 Td (deem ) Tj ET Q q 0 0 0 rg BT 129.66 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.86 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 153.72 226.10 Td (immaterial ) Tj ET Q q 0 0 0 rg BT 200.45 226.10 Td (also ) Tj ET Q q 0 0 0 rg BT 219.98 226.10 Td (may ) Tj ET Q q 0 0 0 rg BT 240.61 226.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 284.57 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 302.42 226.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 344.16 226.10 Td (af) Tj ET Q q 0 0 0 rg BT 351.74 226.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 370.15 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 386.89 226.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 426.70 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 465.10 226.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 506.29 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.15 226.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.68 226.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 99.02 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.11 214.10 Td (value ) Tj ET Q q 0 0 0 rg BT 141.31 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.18 214.10 Td (market ) Tj ET Q q 0 0 0 rg BT 182.49 214.10 Td (price ) Tj ET Q q 0 0 0 rg BT 205.02 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.89 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 231.76 214.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 272.07 214.10 Td (could ) Tj ET Q q 0 0 0 rg BT 296.83 214.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 328.25 214.10 Td (due ) Tj ET Q q 0 0 0 rg BT 345.23 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 355.55 214.10 Td (any ) Tj ET Q q 0 0 0 rg BT 372.54 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.41 214.10 Td (these ) Tj ET Q q 0 0 0 rg BT 406.50 214.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 447.36 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 458.24 214.10 Td (other ) Tj ET Q q 0 0 0 rg BT 481.33 214.10 Td (risks, ) Tj ET Q q 0 0 0 rg BT 505.27 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 522.25 214.10 Td (you ) Tj ET Q q 0 0 0 rg BT 539.79 214.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 68.61 202.10 Td (all ) Tj ET Q q 0 0 0 rg BT 81.10 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 91.93 202.10 Td (part ) Tj ET Q q 0 0 0 rg BT 109.98 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.81 202.10 Td (your ) Tj ET Q q 0 0 0 rg BT 141.64 202.10 Td (investment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 60.06 178.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 110.14 178.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 145.21 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.93 178.10 Td (our) Tj ET Q q 0 0 0 rg BT 171.75 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.15 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 196.88 178.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 237.50 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.56 178.10 Td (secur) Tj ET Q q 0 0 0 rg BT 270.15 178.10 Td (ed ) Tj ET Q q 0 0 0 rg BT 283.54 178.10 Td (by ) Tj ET Q q 0 0 0 rg BT 297.50 178.10 Td (r) Tj ET Q q 0 0 0 rg BT 301.76 178.10 Td (eal ) Tj ET Q q 0 0 0 rg BT 317.37 178.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 347.69 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.09 178.10 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 412.24 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.97 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.70 178.10 Td (r) Tj ET Q q 0 0 0 rg BT 444.96 178.10 Td (eal ) Tj ET Q q 0 0 0 rg BT 460.57 178.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 488.39 178.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 526.78 178.10 Td (or) Tj ET Q q 0 0 0 rg BT 536.03 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 539.43 178.10 Td (other) Tj ET Q q 0 0 0 rg BT 562.02 178.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (segments ) Tj ET Q q 0 0 0 rg BT 91.36 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.17 166.10 Td (our) Tj ET Q q 0 0 0 rg BT 116.99 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.47 166.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 140.29 166.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 179.99 166.10 Td (could ) Tj ET Q q 0 0 0 rg BT 205.80 166.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 226.06 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 236.87 166.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 265.74 166.10 Td (which ) Tj ET Q q 0 0 0 rg BT 293.78 166.10 Td (could ) Tj ET Q q 0 0 0 rg BT 319.60 166.10 Td (have ) Tj ET Q q 0 0 0 rg BT 342.08 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 349.56 166.10 Td (material ) Tj ET Q q 0 0 0 rg BT 388.14 166.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 426.16 166.10 Td (effect ) Tj ET Q q 0 0 0 rg BT 451.95 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 464.99 166.10 Td (our) Tj ET Q q 0 0 0 rg BT 479.81 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 482.29 166.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 521.99 166.10 Td (condition ) Tj ET Q BT /F2 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 68.62 154.10 Td (r) Tj ET Q q 0 0 0 rg BT 72.88 154.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 99.27 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.10 154.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.08 130.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.37 130.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.42 130.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.42 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.39 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.79 130.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.79 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 200.26 130.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 242.66 130.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 286.16 130.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 350.76 130.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 377.33 130.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.06 130.10 Td (44%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.39 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.35 130.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.76 130.10 Td (39%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.09 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 500.55 130.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 548.21 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 553.68 130.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 118.10 Td (total ) Tj ET Q q 0 0 0 rg BT 86.10 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 105.82 118.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 143.32 118.10 Td (was ) Tj ET Q q 0 0 0 rg BT 161.37 118.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 194.40 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 206.90 118.10 Td (real ) Tj ET Q q 0 0 0 rg BT 224.39 118.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 252.15 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 259.09 118.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 295.47 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.30 118.10 Td (which ) Tj ET Q q 0 0 0 rg BT 333.24 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 342.41 118.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 392.11 118.10 Td (real ) Tj ET Q q 0 0 0 rg BT 409.59 118.10 Td (estate. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.00 94.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 117.64 94.10 Td (real ) Tj ET Q q 0 0 0 rg BT 135.08 94.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 160.29 94.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 197.73 94.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 231.85 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.63 94.10 Td (health ) Tj ET Q q 0 0 0 rg BT 269.51 94.10 Td (care, ) Tj ET Q q 0 0 0 rg BT 291.10 94.10 Td (industrial, ) Tj ET Q q 0 0 0 rg BT 333.82 94.10 Td (multifamily) Tj ET Q q 0 0 0 rg BT 380.39 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.34 94.10 Td (of) Tj ET Q q 0 0 0 rg BT 393.49 94.10 Td (fice, ) Tj ET Q q 0 0 0 rg BT 413.42 94.10 Td (retail, ) Tj ET Q q 0 0 0 rg BT 438.91 94.10 Td (church ) Tj ET Q q 0 0 0 rg BT 468.57 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.45 94.10 Td (schools ) Tj ET Q q 0 0 0 rg BT 517.90 94.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 546.46 94.10 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (concentration ) Tj ET Q q 0 0 0 rg BT 106.30 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.97 82.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 165.05 82.10 Td (real ) Tj ET Q q 0 0 0 rg BT 181.92 82.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 206.57 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 229.56 82.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 265.33 82.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 307.21 82.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 324.09 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 334.31 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.41 82.10 Td (values ) Tj ET Q q 0 0 0 rg BT 375.84 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.05 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.16 82.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 442.03 82.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 477.79 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.89 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 514.88 82.10 Td (can ) Tj ET Q q 0 0 0 rg BT 530.64 82.10 Td (decline. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.19 70.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 99.31 70.10 Td (vacancy ) Tj ET Q q 0 0 0 rg BT 134.92 70.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 156.66 70.10 Td (can ) Tj ET Q q 0 0 0 rg BT 173.39 70.10 Td (increase, ) Tj ET Q q 0 0 0 rg BT 211.50 70.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 249.35 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 259.98 70.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 285.61 70.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.23 70.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 331.31 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 344.16 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.24 70.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 405.42 70.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 448.26 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.55 70.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 490.63 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 503.48 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 519.67 70.10 Td (customer's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 78.05 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 88.33 58.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 113.04 58.10 Td (their ) Tj ET Q q 0 0 0 rg BT 133.86 58.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td () Tj ET Q endstream endobj 35 0 obj <> endobj 36 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.43 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 120.94 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.94 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 145.86 742.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 187.72 742.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 230.69 742.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 294.75 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 320.79 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 336.54 742.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 386.17 742.10 Td (real ) Tj ET Q q 0 0 0 rg BT 403.58 742.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 428.77 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 452.30 742.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.94 742.10 Td ($3.8 ) Tj ET Q q 0 0 0 rg BT 501.87 742.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.98 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 532.91 742.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.67 742.10 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 742.10 Td ( ) 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 60.94 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.89 730.10 Td (total ) Tj ET Q q 0 0 0 rg BT 97.28 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 117.11 730.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 157.03 730.10 Td (This ) Tj ET Q q 0 0 0 rg BT 177.42 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.25 730.10 Td (type ) Tj ET Q q 0 0 0 rg BT 217.09 730.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 265.79 730.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.16 730.10 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.49 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.10 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.05 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 373.99 730.10 Td (total ) Tj ET Q q 0 0 0 rg BT 394.38 730.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 460.31 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 484.03 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 494.98 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 730.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 718.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 694.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.60 694.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 103.66 694.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 126.73 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.69 694.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 186.76 694.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 204.26 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 227.89 694.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 260.95 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 273.47 694.10 Td (one- ) Tj ET Q q 0 0 0 rg BT 293.76 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.06 694.10 Td (four) Tj ET Q q 0 0 0 rg BT 320.52 694.10 Td (-family ) Tj ET Q q 0 0 0 rg BT 352.48 694.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 396.65 694.10 Td (real ) Tj ET Q q 0 0 0 rg BT 414.16 694.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 444.45 694.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 462.52 694.10 Td (general ) Tj ET Q q 0 0 0 rg BT 494.47 694.10 Td (practice ) Tj ET Q q 0 0 0 rg BT 528.63 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 537.82 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 548.12 694.10 Td (sell ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.34 682.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 92.12 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.36 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 117.59 682.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 143.93 682.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 186.37 682.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 227.14 682.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 270.69 682.10 Td (real ) Tj ET Q q 0 0 0 rg BT 287.58 682.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 312.24 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 335.25 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.59 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.27 682.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 380.95 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.63 682.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 427.53 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 433.87 682.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 469.65 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.89 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 495.12 682.10 Td (newly ) Tj ET Q q 0 0 0 rg BT 521.46 682.10 Td (originated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (adjustable-rate ) Tj ET Q q 0 0 0 rg BT 111.04 670.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 154.86 670.10 Td (real ) Tj ET Q q 0 0 0 rg BT 172.03 670.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 196.97 670.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 220.25 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 240.21 670.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 252.39 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.00 670.10 Td (30 ) Tj ET Q q 0 0 0 rg BT 281.18 670.10 Td (year ) Tj ET Q q 0 0 0 rg BT 300.57 670.10 Td (maturities. ) Tj ET Q q 0 0 0 rg BT 345.23 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.41 670.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 365.14 670.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 402.31 670.10 Td (also ) Tj ET Q q 0 0 0 rg BT 420.60 670.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 456.10 670.10 Td (home ) Tj ET Q q 0 0 0 rg BT 480.50 670.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 507.67 670.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 528.74 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 670.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.70 658.10 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 107.83 658.10 Td (second ) Tj ET Q q 0 0 0 rg BT 137.86 658.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 177.89 658.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 206.26 658.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 232.97 658.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 260.23 658.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 281.38 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 291.97 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 317.00 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 331.47 658.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 370.94 658.10 Td (extended ) Tj ET Q q 0 0 0 rg BT 409.30 658.10 Td (up ) Tj ET Q q 0 0 0 rg BT 421.56 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.61 658.10 Td (80% ) Tj ET Q q 0 0 0 rg BT 452.20 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.80 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 477.28 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 501.20 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.79 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.27 658.10 Td (property) Tj ET Q q 0 0 0 rg BT 559.50 658.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (less ) Tj ET Q q 0 0 0 rg BT 67.50 646.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 101.67 646.10 Td (liens. ) Tj ET Q q 0 0 0 rg BT 127.87 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 133.28 646.10 Td (erms ) Tj ET Q q 0 0 0 rg BT 155.22 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.38 646.10 Td (second ) Tj ET Q q 0 0 0 rg BT 199.65 646.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 243.80 646.10 Td (typically ) Tj ET Q q 0 0 0 rg BT 281.29 646.10 Td (range ) Tj ET Q q 0 0 0 rg BT 306.00 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 327.94 646.10 Td (five ) Tj ET Q q 0 0 0 rg BT 345.99 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.26 646.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 370.98 646.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 397.08 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (This ) Tj ET Q q 0 0 0 rg BT 69.73 622.10 Td (type ) Tj ET Q q 0 0 0 rg BT 88.91 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.19 622.10 Td (real ) Tj ET Q q 0 0 0 rg BT 116.13 622.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 140.85 622.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 172.80 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 181.43 622.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 220.59 622.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 257.54 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 267.27 622.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 301.99 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.38 622.10 Td (local ) Tj ET Q q 0 0 0 rg BT 339.77 622.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 380.60 622.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 424.22 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 441.17 622.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 493.12 622.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 522.29 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 622.10 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.28 610.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 102.77 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.50 610.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 133.88 610.10 Td (their ) Tj ET Q q 0 0 0 rg BT 154.16 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 173.32 610.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 209.71 610.10 Td (obligations, ) Tj ET Q q 0 0 0 rg BT 258.60 610.10 Td (making ) Tj ET Q q 0 0 0 rg BT 290.55 610.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 308.06 610.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 333.33 610.10 Td (dif) Tj ET Q q 0 0 0 rg BT 344.26 610.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 367.31 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.04 610.10 Td (predict. ) Tj ET Q q 0 0 0 rg BT 409.25 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 411.20 610.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 428.71 610.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 493.97 610.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 534.80 610.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.31 598.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 94.94 598.10 Td ($38.5 ) Tj ET Q q 0 0 0 rg BT 119.65 598.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.54 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 153.24 598.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.78 598.10 Td (37%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.11 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 184.31 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.84 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 210.38 598.10 Td (total ) Tj ET Q q 0 0 0 rg BT 230.35 598.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 295.87 598.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 321.69 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 332.22 598.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.75 598.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 401.04 598.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.04 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.24 598.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 464.87 598.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.85 598.10 Td ($32.4 ) Tj ET Q q 0 0 0 rg BT 499.56 598.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.45 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 533.15 598.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.69 598.10 Td (55%) 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 (of ) Tj ET Q q 0 0 0 rg BT 59.99 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 74.99 586.10 Td (total ) Tj ET Q q 0 0 0 rg BT 94.43 586.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 159.41 586.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 184.68 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 194.67 586.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.67 586.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 262.41 586.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.41 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 286.58 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 288.24 586.10 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 355.44 586.10 Td (home ) Tj ET Q q 0 0 0 rg BT 379.32 586.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 405.98 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.09 586.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 465.40 586.10 Td (real ) Tj ET Q q 0 0 0 rg BT 482.05 586.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 506.48 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 529.25 586.10 Td (together ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 93.03 574.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.19 574.10 Td (92%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.52 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.02 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.85 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.57 574.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 194.95 574.10 Td (related ) Tj ET Q q 0 0 0 rg BT 224.65 574.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 290.46 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 314.07 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 324.90 574.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.73 574.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 394.32 574.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.32 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 419.32 574.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.34 550.10 Td (weak ) Tj ET Q q 0 0 0 rg BT 81.11 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 97.76 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 122.19 550.10 Td (market ) Tj ET Q q 0 0 0 rg BT 151.63 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 175.51 550.10 Td (result ) Tj ET Q q 0 0 0 rg BT 199.40 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 208.84 550.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 250.50 550.10 Td (char) Tj ET Q q 0 0 0 rg BT 267.53 550.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 288.45 550.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 297.34 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.45 550.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 356.79 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.11 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 389.00 550.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 417.06 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 443.17 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 467.05 550.10 Td (have ) Tj ET Q q 0 0 0 rg BT 487.60 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 493.71 550.10 Td (material ) Tj ET Q q 0 0 0 rg BT 528.13 550.10 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 538.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.07 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.57 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 103.40 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.88 538.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 181.16 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.10 538.10 Td (results ) Tj ET Q q 0 0 0 rg BT 226.70 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.53 538.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Repayment ) Tj ET Q q 0 0 0 rg BT 101.29 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 112.04 514.10 Td (our) Tj ET Q q 0 0 0 rg BT 126.86 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.27 514.10 Td (commer) Tj ET Q q 0 0 0 rg BT 164.06 514.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 181.47 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 206.11 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 224.65 514.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 247.61 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.25 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 281.33 514.10 Td (often ) Tj ET Q q 0 0 0 rg BT 305.41 514.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 352.27 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 365.24 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.99 514.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 402.29 514.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 426.92 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 437.67 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.41 514.10 Td (borr) Tj ET Q q 0 0 0 rg BT 472.67 514.10 Td (ower) Tj ET Q q 0 0 0 rg BT 493.58 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.00 514.10 Td (or) Tj ET Q q 0 0 0 rg BT 505.25 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 507.67 514.10 Td (lessee, ) Tj ET Q q 0 0 0 rg BT 536.46 514.10 Td (which ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.83 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 83.33 502.10 Td (unpr) Tj ET Q q 0 0 0 rg BT 104.27 502.10 Td (edictable, ) Tj ET Q q 0 0 0 rg BT 147.60 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.22 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.05 502.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 224.53 502.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 263.14 502.10 Td (these ) Tj ET Q q 0 0 0 rg BT 287.30 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.03 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 332.86 502.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 373.13 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.97 502.10 Td (value.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.01 478.10 Td (make ) Tj ET Q q 0 0 0 rg BT 90.60 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 106.87 478.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 157.00 478.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 181.04 478.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 221.19 478.10 Td (based ) Tj ET Q q 0 0 0 rg BT 246.89 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 259.82 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.98 478.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 316.23 478.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 336.93 478.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 358.20 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.46 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.61 478.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 424.20 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.57 478.10 Td (secondarily ) Tj ET Q q 0 0 0 rg BT 490.60 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 503.54 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.69 478.10 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.76 466.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 127.86 466.10 Td (by ) Tj ET Q q 0 0 0 rg BT 140.42 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.20 466.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 191.29 466.10 Td (. ) Tj ET Q q 0 0 0 rg BT 196.35 466.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 238.34 466.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 274.78 466.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 324.53 466.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 348.20 466.10 Td (may ) Tj ET Q q 0 0 0 rg BT 367.97 466.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 411.61 466.10 Td (over ) Tj ET Q q 0 0 0 rg BT 431.94 466.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 454.77 466.10 Td (be ) Tj ET Q q 0 0 0 rg BT 466.77 466.10 Td (dif) Tj ET Q q 0 0 0 rg BT 477.70 466.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 501.36 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.69 466.10 Td (appraise ) Tj ET Q q 0 0 0 rg BT 547.57 466.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 87.60 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.00 454.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 124.77 454.10 Td (In ) Tj ET Q q 0 0 0 rg BT 135.72 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.55 454.10 Td (case ) Tj ET Q q 0 0 0 rg BT 170.38 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.33 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 205.06 454.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 238.21 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 250.83 454.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 288.43 454.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 334.63 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.47 454.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 397.07 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.02 454.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 432.86 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 447.14 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.97 454.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 506.80 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.74 454.10 Td (these ) Tj ET Q q 0 0 0 rg BT 540.91 454.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (may ) Tj ET Q q 0 0 0 rg BT 70.32 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 82.87 442.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 136.53 442.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 180.73 442.10 Td (on ) Tj ET Q q 0 0 0 rg BT 193.84 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.16 442.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 237.82 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 249.25 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.58 442.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 304.34 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.22 442.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 344.98 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.30 442.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 397.30 442.10 Td (due ) Tj ET Q q 0 0 0 rg BT 414.84 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 437.39 442.10 Td (its ) Tj ET Q q 0 0 0 rg BT 449.94 442.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 495.41 442.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 544.75 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 550.35 442.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (make ) Tj ET Q q 0 0 0 rg BT 73.35 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 88.37 430.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 137.27 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.07 430.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 198.97 430.10 Td (based ) Tj ET Q q 0 0 0 rg BT 223.44 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 235.13 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.04 430.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 287.95 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.08 430.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 341.31 430.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 360.77 430.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 380.80 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 390.82 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.73 430.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 443.08 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.21 430.10 Td (secondarily ) Tj ET Q q 0 0 0 rg BT 507.00 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 518.69 430.10 Td (underlying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.81 418.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 127.96 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 140.57 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.40 418.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 191.50 418.10 Td (. ) Tj ET Q q 0 0 0 rg BT 196.60 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.64 418.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.25 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 269.94 418.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.94 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.05 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 310.99 418.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 360.79 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 384.51 418.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.33 418.10 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 434.44 418.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.55 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 465.66 418.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.60 418.10 Td (34%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.93 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.54 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.48 418.10 Td (our ) Tj ET Q q 0 0 0 rg BT 524.42 418.10 Td (total ) Tj ET Q q 0 0 0 rg BT 544.80 418.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 89.81 406.10 Td (This ) Tj ET Q q 0 0 0 rg BT 110.09 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 129.81 406.10 Td (type ) Tj ET Q q 0 0 0 rg BT 149.53 406.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 198.11 406.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.37 406.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.70 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.20 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.03 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 305.86 406.10 Td (total ) Tj ET Q q 0 0 0 rg BT 326.13 406.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 391.95 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 415.56 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 426.39 406.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.22 406.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 495.80 406.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.80 406.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 382.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.32 382.10 Td (lend ) Tj ET Q q 0 0 0 rg BT 84.77 382.10 Td (money ) Tj ET Q q 0 0 0 rg BT 114.23 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.25 382.10 Td (small ) Tj ET Q q 0 0 0 rg BT 148.15 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.83 382.10 Td (mid-sized ) Tj ET Q q 0 0 0 rg BT 206.51 382.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 257.62 382.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 287.08 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.10 382.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 328.76 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.22 382.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 362.68 382.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 393.80 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.38 382.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 432.50 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 439.17 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 441.41 382.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 463.63 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 483.09 382.10 Td (arises ) Tj ET Q q 0 0 0 rg BT 508.10 382.10 Td (when ) Tj ET Q q 0 0 0 rg BT 532.00 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 538.68 382.10 Td (lessor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 90.57 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.57 370.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 150.57 370.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 176.12 370.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 210.56 370.10 Td (stream ) Tj ET Q q 0 0 0 rg BT 240.00 370.10 Td (owed ) Tj ET Q q 0 0 0 rg BT 264.45 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.01 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.02 370.10 Td (lessor ) Tj ET Q q 0 0 0 rg BT 316.14 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 328.93 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 336.15 370.10 Td (lessee. ) Tj ET Q q 0 0 0 rg BT 365.32 370.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 383.66 370.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 406.43 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 430.33 370.10 Td (entail ) Tj ET Q q 0 0 0 rg BT 455.33 370.10 Td (many ) Tj ET Q q 0 0 0 rg BT 480.33 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.45 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.46 370.10 Td (same ) Tj ET Q q 0 0 0 rg BT 529.79 370.10 Td (types ) Tj ET Q q 0 0 0 rg BT 553.69 370.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 71.25 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.93 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 97.61 358.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 147.16 358.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 173.13 358.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 198.79 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 222.26 358.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 261.81 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 276.37 358.10 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 330.92 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.05 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.63 358.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 386.30 358.10 Td (company) Tj ET Q q 0 0 0 rg BT 422.31 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 427.16 358.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 446.46 358.10 Td (consequently) Tj ET Q q 0 0 0 rg BT 498.57 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 503.42 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 519.11 358.10 Td (recourse ) 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 (limited ) Tj ET Q q 0 0 0 rg BT 80.43 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.30 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.62 346.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 130.59 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 147.13 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.44 346.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 188.52 346.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 234.87 346.10 Td (As ) Tj ET Q q 0 0 0 rg BT 248.08 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 267.96 346.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 317.25 346.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 340.46 346.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 373.09 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 385.19 346.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 432.00 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.31 346.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 490.62 346.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 526.59 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 542.02 346.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 72.88 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 91.87 334.10 Td (depreciate ) Tj ET Q q 0 0 0 rg BT 134.72 334.10 Td (over ) Tj ET Q q 0 0 0 rg BT 154.26 334.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 176.30 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 195.29 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 206.50 334.10 Td (dif) Tj ET Q q 0 0 0 rg BT 217.43 334.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 240.30 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.85 334.10 Td (appraise ) Tj ET Q q 0 0 0 rg BT 284.94 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 301.15 334.10 Td (may ) Tj ET Q q 0 0 0 rg BT 320.14 334.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 356.89 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.44 334.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 392.24 334.10 Td (W) Tj ET Q q 0 0 0 rg BT 400.88 334.10 Td (e ) Tj ET Q q 0 0 0 rg BT 407.09 334.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 424.41 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 436.18 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.17 334.10 Td (lessee) Tj ET Q q 0 0 0 rg BT 476.82 334.10 Td (s ) Tj ET Q q 0 0 0 rg BT 482.48 334.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 527.03 334.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (stability) Tj ET Q q 0 0 0 rg BT 81.57 322.10 Td (, ) Tj ET Q q 0 0 0 rg BT 86.60 322.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 112.45 322.10 Td (than ) Tj ET Q q 0 0 0 rg BT 132.19 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.94 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 171.12 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.98 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.73 322.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 224.24 322.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 271.48 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 285.67 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.42 322.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 345.15 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.01 322.10 Td (all ) Tj ET Q q 0 0 0 rg BT 368.54 322.10 Td (required ) Tj ET Q q 0 0 0 rg BT 404.38 322.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 440.80 322.10 Td (under ) Tj ET Q q 0 0 0 rg BT 466.09 322.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 488.61 322.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 514.75 322.10 Td (In ) Tj ET Q q 0 0 0 rg BT 525.61 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.35 322.10 Td (event ) 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 60.97 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 68.04 310.10 Td (default ) Tj ET Q q 0 0 0 rg BT 98.45 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 111.08 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 118.16 310.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 140.79 310.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 163.14 310.10 Td (it ) Tj ET Q q 0 0 0 rg BT 171.33 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 180.64 310.10 Td (unlikely ) Tj ET Q q 0 0 0 rg BT 216.05 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 233.69 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.54 310.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 286.72 310.10 Td (from ) Tj ET Q q 0 0 0 rg BT 308.79 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.65 310.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 341.83 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 352.80 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.66 310.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 395.28 310.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 440.13 310.10 Td (will ) Tj ET Q q 0 0 0 rg BT 458.33 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 470.40 310.10 Td (suf) Tj ET Q q 0 0 0 rg BT 482.44 310.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 510.62 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.04 310.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 549.79 310.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.10 298.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 128.75 298.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 165.07 298.10 Td (under ) Tj ET Q q 0 0 0 rg BT 190.27 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.92 298.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 229.58 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.34 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.99 298.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 277.14 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.58 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 282.01 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.91 298.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.34 298.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 354.86 298.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.86 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 379.79 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 395.56 298.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 417.98 298.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.52 298.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.16 298.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 491.10 298.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.21 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 522.15 298.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.91 298.10 Td (16%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.24 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 553.67 298.10 Td (of ) 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 65.43 286.10 Td (total ) Tj ET Q q 0 0 0 rg BT 85.31 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 104.63 286.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 144.08 286.10 Td (This ) Tj ET Q q 0 0 0 rg BT 163.96 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 183.28 286.10 Td (type ) Tj ET Q q 0 0 0 rg BT 202.60 286.10 Td (represented ) Tj ET Q q 0 0 0 rg BT 250.79 286.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.65 286.10 Td (4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.98 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 326.08 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.52 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 351.95 286.10 Td (total ) Tj ET Q q 0 0 0 rg BT 371.83 286.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 437.25 286.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 460.46 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 470.89 286.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.33 286.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.51 286.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 286.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 89.19 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 100.04 262.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 142.54 262.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 191.46 262.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 245.07 262.10 Td (an ) Tj ET Q q 0 0 0 rg BT 258.15 262.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 300.65 262.10 Td (slowdown ) Tj ET Q q 0 0 0 rg BT 345.40 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 356.25 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.09 262.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 409.61 262.10 Td (ar) Tj ET Q q 0 0 0 rg BT 418.87 262.10 Td (ea ) Tj ET Q q 0 0 0 rg BT 430.82 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 449.46 262.10 Td (state ) Tj ET Q q 0 0 0 rg BT 471.96 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.80 262.10 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 517.27 262.10 Td (could ) Tj ET Q q 0 0 0 rg BT 543.13 262.10 Td (hurt ) Tj ET Q BT /F2 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 64.82 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 67.32 250.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.74 226.10 Td (business ) Tj ET Q q 0 0 0 rg BT 105.83 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 115.69 226.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 149.42 226.10 Td (af) Tj ET Q q 0 0 0 rg BT 157.01 226.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 184.63 226.10 Td (by ) Tj ET Q q 0 0 0 rg BT 197.82 226.10 Td (market ) Tj ET Q q 0 0 0 rg BT 228.78 226.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 276.13 226.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 303.77 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 314.74 226.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 350.71 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.34 226.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 403.45 226.10 Td (legislative ) Tj ET Q q 0 0 0 rg BT 447.75 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.38 226.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 509.66 226.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 547.56 226.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 83.93 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 93.43 214.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 150.13 214.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 189.62 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.78 214.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 229.16 214.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 261.99 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.15 214.10 Td (inflation, ) Tj ET Q q 0 0 0 rg BT 316.25 214.10 Td (all ) Tj ET Q q 0 0 0 rg BT 327.97 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.02 214.10 Td (which ) Tj ET Q q 0 0 0 rg BT 364.18 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 378.11 214.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 409.27 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 424.33 214.10 Td (control. ) Tj ET Q q 0 0 0 rg BT 456.87 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.60 214.10 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 513.63 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 523.13 214.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 96.94 202.10 Td (particularly ) Tj ET Q q 0 0 0 rg BT 145.80 202.10 Td (within ) Tj ET Q q 0 0 0 rg BT 174.13 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.12 202.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 225.21 202.10 Td (area, ) Tj ET Q q 0 0 0 rg BT 247.13 202.10 Td (could ) Tj ET Q q 0 0 0 rg BT 272.12 202.10 Td (result ) Tj ET Q q 0 0 0 rg BT 297.11 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 307.66 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.65 202.10 Td (following ) Tj ET Q q 0 0 0 rg BT 364.31 202.10 Td (consequences, ) Tj ET Q q 0 0 0 rg BT 424.56 202.10 Td (among ) Tj ET Q q 0 0 0 rg BT 454.55 202.10 Td (others, ) Tj ET Q q 0 0 0 rg BT 484.26 202.10 Td (any ) Tj ET Q q 0 0 0 rg BT 501.47 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.57 202.10 Td (which ) Tj ET Q q 0 0 0 rg BT 539.78 202.10 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (hurt ) Tj ET Q q 0 0 0 rg BT 68.61 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 84.44 190.10 Td (business ) Tj ET Q q 0 0 0 rg BT 120.83 190.10 Td (materially:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 166.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 105.72 166.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 163.20 166.10 Td (may ) Tj ET Q q 0 0 0 rg BT 182.91 166.10 Td (increase;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 121.83 154.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 147.66 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.59 154.10 Td (foreclosures ) Tj ET Q q 0 0 0 rg BT 215.96 154.10 Td (may ) Tj ET Q q 0 0 0 rg BT 235.68 154.10 Td (increase;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 142.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 120.16 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 134.32 142.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.15 142.10 Td (products ) Tj ET Q q 0 0 0 rg BT 187.08 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.02 142.10 Td (services ) Tj ET Q q 0 0 0 rg BT 238.73 142.10 Td (may ) Tj ET Q q 0 0 0 rg BT 258.45 142.10 Td (decline;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 130.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 130.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 125.70 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 139.86 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 155.69 130.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 179.30 130.10 Td (may ) Tj ET Q q 0 0 0 rg BT 199.01 130.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 230.38 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.66 130.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 267.32 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 277.60 130.10 Td (turn ) Tj ET Q q 0 0 0 rg BT 296.21 130.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 333.69 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 340.63 130.10 Td (customer) Tj ET Q q 0 0 0 rg BT 377.66 130.10 Td () Tj ET Q q 0 0 0 rg BT 380.43 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 386.83 130.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 430.99 130.10 Td (power; ) Tj ET Q q 0 0 0 rg BT 461.25 130.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 118.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 118.10 Td (net ) Tj ET Q q 0 0 0 rg BT 115.43 118.10 Td (worth ) Tj ET Q q 0 0 0 rg BT 141.26 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.20 118.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 194.59 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.42 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 225.14 118.10 Td (guarantors ) Tj ET Q q 0 0 0 rg BT 269.85 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 289.56 118.10 Td (decline, ) Tj ET Q q 0 0 0 rg BT 323.44 118.10 Td (impairing ) Tj ET Q q 0 0 0 rg BT 364.82 118.10 Td (their ) Tj ET Q q 0 0 0 rg BT 385.64 118.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 413.70 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.97 118.10 Td (honor ) Tj ET Q q 0 0 0 rg BT 449.80 118.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 506.74 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.02 118.10 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 106.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Except ) Tj ET Q q 0 0 0 rg BT 79.10 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 92.09 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 106.76 94.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 136.42 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.19 94.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 173.51 94.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 192.06 94.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 231.99 94.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 278.87 94.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 310.20 94.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 350.13 94.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 382.00 94.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 413.33 94.10 Td (activities, ) Tj ET Q q 0 0 0 rg BT 453.27 94.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 492.37 94.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 525.92 94.10 Td (activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.76 82.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 96.29 82.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 130.82 82.10 Td (management ) Tj ET Q q 0 0 0 rg BT 184.24 82.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 221.27 82.10 Td (which ) Tj ET Q q 0 0 0 rg BT 248.04 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 262.57 82.10 Td (nationwide, ) Tj ET Q q 0 0 0 rg BT 311.83 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 327.48 82.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 359.80 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.57 82.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 407.78 82.10 Td (gathering ) Tj ET Q q 0 0 0 rg BT 447.87 82.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 486.29 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 500.83 82.10 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 554.23 82.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.39 70.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 99.88 70.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 153.15 70.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 174.46 70.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 192.19 70.10 Td (success ) Tj ET Q q 0 0 0 rg BT 224.34 70.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 259.28 70.10 Td (on ) Tj ET Q q 0 0 0 rg BT 271.45 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.84 70.10 Td (general ) Tj ET Q q 0 0 0 rg BT 317.43 70.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 358.47 70.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 402.31 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 412.81 70.10 Td (this ) Tj ET Q q 0 0 0 rg BT 429.42 70.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 482.69 70.10 Td (area ) Tj ET Q q 0 0 0 rg BT 501.51 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 518.12 70.10 Td (throughout ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (Illinois.) Tj ET Q endstream endobj 37 0 obj <> endobj 38 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 72.79 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.34 742.10 Td (State ) Tj ET Q q 0 0 0 rg BT 111.68 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.35 742.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 155.02 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 172.80 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.35 742.10 Td (City ) Tj ET Q q 0 0 0 rg BT 208.92 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.59 742.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 257.25 742.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 296.68 742.10 Td (face ) Tj ET Q q 0 0 0 rg BT 316.67 742.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 362.22 742.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 387.21 742.10 Td (challenges, ) Tj ET Q q 0 0 0 rg BT 435.25 742.10 Td (including ) Tj ET Q q 0 0 0 rg BT 476.37 742.10 Td (lar) Tj ET Q q 0 0 0 rg BT 486.73 742.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 499.51 742.10 Td (budget ) Tj ET Q q 0 0 0 rg BT 530.07 742.10 Td (deficits, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 94.33 730.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 133.66 730.10 Td (pension ) Tj ET Q q 0 0 0 rg BT 166.33 730.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 212.33 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.33 730.10 Td (low ) Tj ET Q q 0 0 0 rg BT 244.89 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 269.21 730.10 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 300.49 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 326.48 730.10 Td (could ) Tj ET Q q 0 0 0 rg BT 350.26 730.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 393.47 730.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 422.24 730.10 Td (us ) Tj ET Q q 0 0 0 rg BT 432.69 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.03 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.80 730.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 481.80 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 497.80 730.10 Td (leads ) Tj ET Q q 0 0 0 rg BT 519.91 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.25 730.10 Td (declines ) 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 59.72 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 95.55 718.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 127.48 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.86 718.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 173.56 718.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 214.37 718.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 257.98 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.70 718.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 297.97 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.35 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.51 718.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 363.77 718.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 416.81 718.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 437.90 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 439.84 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 450.11 718.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 487.32 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.48 718.10 Td (State ) Tj ET Q q 0 0 0 rg BT 523.41 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.68 718.10 Td (Illinois ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.18 706.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 97.78 706.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 138.05 706.10 Td (without ) Tj ET Q q 0 0 0 rg BT 171.12 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 178.07 706.10 Td (budget, ) Tj ET Q q 0 0 0 rg BT 210.29 706.10 Td (which ) Tj ET Q q 0 0 0 rg BT 237.24 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 253.08 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.37 706.10 Td (some ) Tj ET Q q 0 0 0 rg BT 286.98 706.10 Td (cases ) Tj ET Q q 0 0 0 rg BT 310.59 706.10 Td (led ) Tj ET Q q 0 0 0 rg BT 325.32 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.60 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.33 706.10 Td (State ) Tj ET Q q 0 0 0 rg BT 372.83 706.10 Td (not ) Tj ET Q q 0 0 0 rg BT 388.12 706.10 Td (meeting ) Tj ET Q q 0 0 0 rg BT 422.84 706.10 Td (its ) Tj ET Q q 0 0 0 rg BT 434.80 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 472.29 706.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 519.24 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 529.53 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 536.47 706.10 Td (timely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (manner) Tj ET Q q 0 0 0 rg BT 79.43 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 84.69 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 87.46 694.10 Td (Some ) Tj ET Q q 0 0 0 rg BT 113.00 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.09 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 140.18 694.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 190.14 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 210.11 694.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 253.42 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 268.39 694.10 Td (health ) Tj ET Q q 0 0 0 rg BT 295.58 694.10 Td (care ) Tj ET Q q 0 0 0 rg BT 314.99 694.10 Td (operators ) Tj ET Q q 0 0 0 rg BT 354.96 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.16 694.10 Td (service ) Tj ET Q q 0 0 0 rg BT 403.23 694.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 443.76 694.10 Td (who ) Tj ET Q q 0 0 0 rg BT 463.75 694.10 Td (maybe ) Tj ET Q q 0 0 0 rg BT 493.16 694.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 537.02 694.10 Td (on ) 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 (receipt ) Tj ET Q q 0 0 0 rg BT 79.26 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.64 682.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 136.12 682.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 176.50 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.99 682.10 Td (reimbursements ) Tj ET Q q 0 0 0 rg BT 258.92 682.10 Td (from ) Tj ET Q q 0 0 0 rg BT 280.41 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.68 682.10 Td (State ) Tj ET Q q 0 0 0 rg BT 316.73 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.11 682.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 357.50 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.22 682.10 Td (services ) Tj ET Q q 0 0 0 rg BT 405.48 682.10 Td (rendered. ) Tj ET Q q 0 0 0 rg BT 445.01 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 446.92 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 452.33 682.10 Td (o ) Tj ET Q q 0 0 0 rg BT 459.38 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.65 682.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 500.14 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.41 682.10 Td (State ) Tj ET Q q 0 0 0 rg BT 536.46 682.10 Td (delays ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.48 670.10 Td (suspends ) Tj ET Q q 0 0 0 rg BT 98.75 670.10 Td (these ) Tj ET Q q 0 0 0 rg BT 121.45 670.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 161.92 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.52 670.10 Td (reimbursements, ) Tj ET Q q 0 0 0 rg BT 247.04 670.10 Td (this ) Tj ET Q q 0 0 0 rg BT 263.64 670.10 Td (could ) Tj ET Q q 0 0 0 rg BT 288.01 670.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 328.48 670.10 Td (af) Tj ET Q q 0 0 0 rg BT 336.07 670.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 353.20 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.57 670.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 395.28 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.76 670.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 448.45 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.38 670.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 479.97 670.10 Td (their ) Tj ET Q q 0 0 0 rg BT 500.45 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 519.82 670.10 Td (repayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 97.12 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.58 658.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 121.05 658.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 140.95 658.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 178.63 658.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 236.28 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.40 658.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 287.73 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 300.41 658.10 Td (these ) Tj ET Q q 0 0 0 rg BT 323.63 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 347.42 658.10 Td (would ) Tj ET Q q 0 0 0 rg BT 375.10 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.55 658.10 Td (turn ) Tj ET Q q 0 0 0 rg BT 404.34 658.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 445.33 658.10 Td (af) Tj ET Q q 0 0 0 rg BT 452.92 658.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 470.58 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 486.59 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.24 658.10 Td (condition ) 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 (results ) Tj ET Q q 0 0 0 rg BT 95.55 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.38 646.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 75.61 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.22 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.72 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.11 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.17 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 149.78 622.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 187.05 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 201.54 622.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 234.36 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 246.64 622.10 Td (real ) Tj ET Q q 0 0 0 rg BT 263.90 622.10 Td (estate. ) Tj ET Q q 0 0 0 rg BT 291.45 622.10 Td (Most ) Tj ET Q q 0 0 0 rg BT 314.29 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.90 622.10 Td (these ) Tj ET Q q 0 0 0 rg BT 347.72 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 371.11 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 385.60 622.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 418.42 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.70 622.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 472.96 622.10 Td (located ) Tj ET Q q 0 0 0 rg BT 504.12 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.17 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.67 622.10 Td (Chicago ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 103.56 610.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 125.17 610.10 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 180.95 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 191.19 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.87 610.10 Td (real ) Tj ET Q q 0 0 0 rg BT 223.32 610.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 248.55 610.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 282.67 610.10 Td (where ) Tj ET Q q 0 0 0 rg BT 309.57 610.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 349.23 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 363.35 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 370.26 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 410.49 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 430.17 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 439.30 610.10 Td (located ) Tj ET Q q 0 0 0 rg BT 470.64 610.10 Td (could ) Tj ET Q q 0 0 0 rg BT 495.32 610.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 539.44 610.10 Td (af) Tj ET Q q 0 0 0 rg BT 547.02 610.10 Td (fect ) Tj ET Q 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 64.44 598.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 101.46 598.10 Td () Tj ET Q q 0 0 0 rg BT 104.24 598.10 Td (s ) Tj ET Q q 0 0 0 rg BT 110.36 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 138.14 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 148.14 598.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 172.57 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.02 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 206.46 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.12 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.56 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 261.45 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.00 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.44 598.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 325.87 598.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 361.97 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.41 598.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 398.35 598.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 418.90 598.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 443.89 598.10 Td (values ) Tj ET Q q 0 0 0 rg BT 471.67 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 486.10 598.10 Td (af) Tj ET Q q 0 0 0 rg BT 493.69 598.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 520.34 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 532.56 598.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.04 586.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 105.25 586.10 Td (including ) Tj ET Q q 0 0 0 rg BT 145.52 586.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 180.22 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.50 586.10 Td (general ) Tj ET Q q 0 0 0 rg BT 222.42 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 233.24 586.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 268.50 586.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 309.87 586.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 356.53 586.10 Td (governmental ) Tj ET Q q 0 0 0 rg BT 414.01 586.10 Td (rulesor ) Tj ET Q q 0 0 0 rg BT 446.78 586.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 480.38 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.31 586.10 Td (natural ) Tj ET Q q 0 0 0 rg BT 527.57 586.10 Td (disasters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.66 574.10 Td (tornados.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Negative ) Tj ET Q q 0 0 0 rg BT 87.61 550.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 121.33 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.62 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.35 550.10 Td (regional ) Tj ET Q q 0 0 0 rg BT 178.62 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 194.57 550.10 Td (general ) Tj ET Q q 0 0 0 rg BT 225.51 550.10 Td (economy ) Tj ET Q q 0 0 0 rg BT 263.68 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 287.41 550.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 315.57 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 330.41 550.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 360.25 550.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 379.25 550.10 Td (impair ) Tj ET Q q 0 0 0 rg BT 406.87 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 421.71 550.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 448.77 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 458.06 550.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 486.23 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 508.85 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.80 550.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 538.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 114.69 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 122.28 538.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 139.76 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 152.26 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 168.09 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 205.57 538.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 245.84 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.78 538.10 Td (results ) Tj ET Q q 0 0 0 rg BT 291.39 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 302.22 538.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Negative ) Tj ET Q q 0 0 0 rg BT 89.71 514.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 150.54 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.38 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.21 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 216.93 514.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 255.56 514.10 Td (have ) Tj ET Q q 0 0 0 rg BT 278.06 514.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 321.10 514.10 Td (affected ) Tj ET Q q 0 0 0 rg BT 357.47 514.10 Td (our) Tj ET Q q 0 0 0 rg BT 372.29 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.79 514.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 413.41 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.04 514.10 Td (our) Tj ET Q q 0 0 0 rg BT 446.86 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 449.36 514.10 Td (business.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (Negative ) Tj ET Q q 0 0 0 rg BT 87.54 490.10 Td (developments ) Tj ET Q q 0 0 0 rg BT 144.53 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.75 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.42 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 203.85 490.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 238.07 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.96 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.62 490.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 296.28 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.05 490.10 Td (new ) Tj ET Q q 0 0 0 rg BT 324.16 490.10 Td (legislation ) Tj ET Q q 0 0 0 rg BT 367.27 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.15 490.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 429.03 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 438.26 490.10 Td (response ) Tj ET Q q 0 0 0 rg BT 474.70 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.92 490.10 Td (those ) Tj ET Q q 0 0 0 rg BT 506.48 490.10 Td (developments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.43 478.10 Td (restrict ) Tj ET Q q 0 0 0 rg BT 104.41 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 119.96 478.10 Td (business ) Tj ET Q q 0 0 0 rg BT 156.07 478.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 202.44 478.10 Td (including ) Tj ET Q q 0 0 0 rg BT 242.43 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 257.98 478.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 285.75 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.74 478.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 333.50 478.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 359.33 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.98 478.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 419.85 478.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 449.28 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 464.82 478.10 Td (results ) Tj ET Q q 0 0 0 rg BT 493.15 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 503.70 478.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 547.57 478.10 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 87.48 466.10 Td (condition. ) Tj ET Q q 0 0 0 rg BT 130.25 466.10 Td (Overall, ) Tj ET Q q 0 0 0 rg BT 165.24 466.10 Td (during ) Tj ET Q q 0 0 0 rg BT 193.85 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.56 466.10 Td (past ) Tj ET Q q 0 0 0 rg BT 227.17 466.10 Td (few ) Tj ET Q q 0 0 0 rg BT 244.66 466.10 Td (years, ) Tj ET Q q 0 0 0 rg BT 270.76 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.48 466.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 329.07 466.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 382.11 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 397.94 466.10 Td (had ) Tj ET Q q 0 0 0 rg BT 414.88 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 421.82 466.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 458.19 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 465.78 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 483.27 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 495.77 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 511.60 466.10 Td (business.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Fiscal ) Tj ET Q q 0 0 0 rg BT 76.96 442.10 Td (challenges ) Tj ET Q q 0 0 0 rg BT 122.81 442.10 Td (facing ) Tj ET Q q 0 0 0 rg BT 150.88 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 166.17 442.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 185.92 442.10 Td (government ) Tj ET Q q 0 0 0 rg BT 238.98 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.07 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 272.36 442.10 Td (governments ) Tj ET Q q 0 0 0 rg BT 329.31 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.60 442.10 Td (other) Tj ET Q q 0 0 0 rg BT 362.19 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 364.16 442.10 Td (countries ) Tj ET Q q 0 0 0 rg BT 405.56 442.10 Td (could ) Tj ET Q q 0 0 0 rg BT 430.86 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 452.82 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.79 442.10 Td (material ) Tj ET Q q 0 0 0 rg BT 497.84 442.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 532.57 442.10 Td (impact ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 63.46 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 103.59 430.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 141.49 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.51 430.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 203.40 430.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 250.21 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.45 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.68 430.10 Td (United ) Tj ET Q q 0 0 0 rg BT 309.48 430.10 Td (States ) Tj ET Q q 0 0 0 rg BT 337.93 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.96 430.10 Td (worldwide, ) Tj ET Q q 0 0 0 rg BT 407.36 430.10 Td (which ) Tj ET Q q 0 0 0 rg BT 435.82 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 462.07 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.31 430.10 Td (turn ) Tj ET Q q 0 0 0 rg BT 495.10 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 518.01 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.91 430.10 Td (material ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 85.27 418.10 Td (effect ) Tj ET Q q 0 0 0 rg BT 111.07 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 124.14 418.10 Td (our) Tj ET Q q 0 0 0 rg BT 138.96 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 141.46 418.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 177.03 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 182.03 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.76 418.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 264.27 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.89 418.10 Td (r) Tj ET Q q 0 0 0 rg BT 287.15 418.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 313.54 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 324.37 418.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 374.37 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (Many ) Tj ET Q q 0 0 0 rg BT 75.42 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.83 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.25 394.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 147.22 394.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 187.07 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 201.36 394.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 228.45 394.10 Td (by ) Tj ET Q q 0 0 0 rg BT 240.53 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.06 394.10 Td (some ) Tj ET Q q 0 0 0 rg BT 280.25 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.67 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 306.09 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 329.28 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 343.58 394.10 Td (made ) Tj ET Q q 0 0 0 rg BT 367.32 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.18 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.48 394.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 411.35 394.10 Td (government ) Tj ET Q q 0 0 0 rg BT 461.20 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.73 394.10 Td (government ) Tj ET Q q 0 0 0 rg BT 527.58 394.10 Td (agencies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.06 382.10 Td (sponsored ) Tj ET Q q 0 0 0 rg BT 108.24 382.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 141.24 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.87 382.10 Td (Uncertain ) Tj ET Q q 0 0 0 rg BT 183.91 382.10 Td (domestic ) Tj ET Q q 0 0 0 rg BT 221.64 382.10 Td (political ) Tj ET Q q 0 0 0 rg BT 256.03 382.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 301.82 382.10 Td (including ) Tj ET Q q 0 0 0 rg BT 341.22 382.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 362.28 382.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 391.66 382.10 Td (government ) Tj ET Q q 0 0 0 rg BT 441.04 382.10 Td (shutdowns ) Tj ET Q q 0 0 0 rg BT 485.45 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.51 382.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 538.13 382.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 79.29 370.10 Td (government ) Tj ET Q q 0 0 0 rg BT 128.60 370.10 Td (shutdowns, ) Tj ET Q q 0 0 0 rg BT 175.42 370.10 Td (any ) Tj ET Q q 0 0 0 rg BT 191.40 370.10 Td (future ) Tj ET Q q 0 0 0 rg BT 216.82 370.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 253.90 370.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 293.75 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.51 370.10 Td (possibility ) Tj ET Q q 0 0 0 rg BT 350.73 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 360.60 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.35 370.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 403.65 370.10 Td (government ) Tj ET Q q 0 0 0 rg BT 452.95 370.10 Td (defaulting ) Tj ET Q q 0 0 0 rg BT 495.03 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 506.57 370.10 Td (its ) Tj ET Q q 0 0 0 rg BT 517.56 370.10 Td (obligations ) 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 64.56 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.90 358.10 Td (period ) Tj ET Q q 0 0 0 rg BT 100.34 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.57 358.10 Td (time ) Tj ET Q q 0 0 0 rg BT 132.25 358.10 Td (due ) Tj ET Q q 0 0 0 rg BT 149.58 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 160.26 358.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 198.15 358.10 Td (future ) Tj ET Q q 0 0 0 rg BT 224.93 358.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 245.04 358.10 Td (ceiling ) Tj ET Q q 0 0 0 rg BT 275.16 358.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 320.83 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 332.06 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 355.51 358.10 Td (unresolved ) Tj ET Q q 0 0 0 rg BT 402.29 358.10 Td (political ) Tj ET Q q 0 0 0 rg BT 437.95 358.10 Td (issues, ) Tj ET Q q 0 0 0 rg BT 467.24 358.10 Td (may ) Tj ET Q q 0 0 0 rg BT 487.36 358.10 Td (pose ) Tj ET Q q 0 0 0 rg BT 508.59 358.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 534.25 358.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.84 346.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 103.13 346.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 124.43 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 144.61 346.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 175.33 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.51 346.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 235.68 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.86 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 283.25 346.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 332.31 346.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 359.72 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 370.45 346.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 416.71 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 429.12 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.74 346.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 473.89 346.10 Td (government ) Tj ET Q q 0 0 0 rg BT 524.06 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 540.90 346.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.64 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.71 334.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 106.32 334.10 Td (government. ) Tj ET Q q 0 0 0 rg BT 159.44 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.67 334.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 181.75 334.10 Td (downgrade ) Tj ET Q q 0 0 0 rg BT 229.04 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.67 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.75 334.10 Td (sovereign ) Tj ET Q q 0 0 0 rg BT 296.48 334.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.10 334.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 348.29 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.48 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.55 334.10 Td (United ) Tj ET Q q 0 0 0 rg BT 404.63 334.10 Td (States, ) Tj ET Q q 0 0 0 rg BT 433.87 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 445.06 334.10 Td (well ) Tj ET Q q 0 0 0 rg BT 465.13 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 476.32 334.10 Td (sovereign ) Tj ET Q q 0 0 0 rg BT 518.06 334.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 538.13 334.10 Td (issues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (facing ) Tj ET Q q 0 0 0 rg BT 77.78 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.79 322.10 Td (governments ) Tj ET Q q 0 0 0 rg BT 147.23 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.36 322.10 Td (other ) Tj ET Q q 0 0 0 rg BT 181.69 322.10 Td (countries, ) Tj ET Q q 0 0 0 rg BT 223.64 322.10 Td (could ) Tj ET Q q 0 0 0 rg BT 248.65 322.10 Td (have ) Tj ET Q q 0 0 0 rg BT 270.32 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 277.55 322.10 Td (material ) Tj ET Q q 0 0 0 rg BT 313.10 322.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 346.43 322.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 376.43 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 389.23 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 427.00 322.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 461.45 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.68 322.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 520.34 322.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.94 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.31 310.10 Td (United ) Tj ET Q q 0 0 0 rg BT 106.68 310.10 Td (States ) Tj ET Q q 0 0 0 rg BT 133.73 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.32 310.10 Td (worldwide. ) Tj ET Q q 0 0 0 rg BT 199.75 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 202.21 310.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 222.58 310.10 Td (such ) Tj ET Q q 0 0 0 rg BT 244.07 310.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 277.77 310.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 308.13 310.10 Td (could ) Tj ET Q q 0 0 0 rg BT 333.51 310.10 Td (have ) Tj ET Q q 0 0 0 rg BT 355.54 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 363.14 310.10 Td (material ) Tj ET Q q 0 0 0 rg BT 399.05 310.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 432.75 310.10 Td (ef) Tj ET Q q 0 0 0 rg BT 440.33 310.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 458.48 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.63 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 488.12 310.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 521.36 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 527.02 310.10 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 90.27 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.21 298.10 Td (results ) Tj ET Q q 0 0 0 rg BT 135.82 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.65 298.10 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 274.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 114.81 274.10 Td (for) Tj ET Q q 0 0 0 rg BT 127.40 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.90 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 150.74 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.37 274.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 192.41 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 218.80 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 239.63 274.10 Td (pr) Tj ET Q q 0 0 0 rg BT 249.45 274.10 Td (ove ) Tj ET Q q 0 0 0 rg BT 266.39 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.22 274.10 Td (be ) Tj ET Q q 0 0 0 rg BT 289.72 274.10 Td (insufficient ) Tj ET Q q 0 0 0 rg BT 340.00 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.83 274.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 382.78 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 409.17 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.01 274.10 Td (our) Tj ET Q q 0 0 0 rg BT 434.83 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 437.33 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 458.17 274.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Lending ) Tj ET Q q 0 0 0 rg BT 85.75 250.10 Td (money ) Tj ET Q q 0 0 0 rg BT 115.39 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 124.49 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 131.35 250.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 176.55 250.10 Td (part ) Tj ET Q q 0 0 0 rg BT 194.53 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.28 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 221.04 250.10 Td (business. ) Tj ET Q q 0 0 0 rg BT 259.85 250.10 Td (Every ) Tj ET Q q 0 0 0 rg BT 286.16 250.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 305.80 250.10 Td (carries ) Tj ET Q q 0 0 0 rg BT 334.87 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.74 250.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 371.36 250.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 388.79 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 406.21 250.10 Td (it ) Tj ET Q q 0 0 0 rg BT 414.19 250.10 Td (will ) Tj ET Q q 0 0 0 rg BT 432.17 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 447.38 250.10 Td (be ) Tj ET Q q 0 0 0 rg BT 459.24 250.10 Td (repaid ) Tj ET Q q 0 0 0 rg BT 486.65 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 496.86 250.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 544.25 250.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.88 238.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 86.53 238.10 Td (or ) Tj ET Q q 0 0 0 rg BT 97.30 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 114.73 238.10 Td (any ) Tj ET Q q 0 0 0 rg BT 131.60 238.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 177.36 238.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 216.99 238.10 Td (will ) Tj ET Q q 0 0 0 rg BT 234.98 238.10 Td (not ) Tj ET Q q 0 0 0 rg BT 250.19 238.10 Td (be ) Tj ET Q q 0 0 0 rg BT 262.07 238.10 Td (suf) Tj ET Q q 0 0 0 rg BT 274.11 238.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 302.08 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 312.29 238.10 Td (assure ) Tj ET Q q 0 0 0 rg BT 339.72 238.10 Td (repayment. ) Tj ET Q q 0 0 0 rg BT 386.68 238.10 Td (This ) Tj ET Q q 0 0 0 rg BT 406.89 238.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 424.33 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 433.43 238.10 Td (af) Tj ET Q q 0 0 0 rg BT 441.02 238.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 467.88 238.10 Td (by) Tj ET Q q 0 0 0 rg BT 477.23 238.10 Td (, ) Tj ET Q q 0 0 0 rg BT 482.16 238.10 Td (among ) Tj ET Q q 0 0 0 rg BT 511.81 238.10 Td (other ) Tj ET Q q 0 0 0 rg BT 534.79 238.10 Td (things:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 214.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 106.27 214.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 127.10 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.93 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.65 214.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 191.80 214.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 219.84 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.56 214.10 Td (project ) Tj ET Q q 0 0 0 rg BT 264.82 214.10 Td (being ) Tj ET Q q 0 0 0 rg BT 289.54 214.10 Td (financed;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 202.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 120.71 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.65 202.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 191.23 202.10 Td (as ) Tj ET Q q 0 0 0 rg BT 202.06 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.34 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.06 202.10 Td (future ) Tj ET Q q 0 0 0 rg BT 253.44 202.10 Td (value ) Tj ET Q q 0 0 0 rg BT 277.59 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.42 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.14 202.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 345.34 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.61 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 370.33 202.10 Td (case ) Tj ET Q q 0 0 0 rg BT 390.04 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.87 202.10 Td (a ) Tj ET Q q 0 0 0 rg BT 407.81 202.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 464.16 202.10 Td (loan;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 190.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 111.26 190.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 157.06 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.89 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 174.83 190.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 215.64 190.10 Td (borrower;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 120.71 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.99 178.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 172.36 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.30 178.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 224.57 178.10 Td (conditions; ) Tj ET Q q 0 0 0 rg BT 271.52 178.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 166.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.10 Td (duration ) Tj ET Q q 0 0 0 rg BT 121.83 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.66 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.37 166.10 Td (loan.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 154.10 Td () 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 65.12 142.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 102.16 142.10 Td (an ) Tj ET Q q 0 0 0 rg BT 113.65 142.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 156.23 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.93 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 189.20 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 205.68 142.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 227.72 142.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 256.16 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 262.64 142.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 293.56 142.10 Td (established ) Tj ET Q q 0 0 0 rg BT 340.04 142.10 Td (through ) Tj ET Q q 0 0 0 rg BT 373.19 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.68 142.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 419.50 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 433.21 142.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 458.02 142.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 483.96 142.10 Td (char) Tj ET Q q 0 0 0 rg BT 500.99 142.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 517.47 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.30 142.10 Td (expense, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.93 130.10 Td (we ) Tj ET Q q 0 0 0 rg BT 91.08 130.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 122.45 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 131.61 130.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 179.63 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 189.90 130.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 222.94 130.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.09 130.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 274.57 130.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 300.95 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.22 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 327.04 130.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 346.75 130.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 386.56 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 404.60 130.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 437.08 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.91 130.10 Td (this ) Tj ET Q q 0 0 0 rg BT 464.85 130.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 507.87 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 517.03 130.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 78.33 118.10 Td (management ) Tj ET Q q 0 0 0 rg BT 131.92 118.10 Td (through ) Tj ET Q q 0 0 0 rg BT 165.53 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.47 118.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 207.73 118.10 Td (review ) Tj ET Q q 0 0 0 rg BT 237.44 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 254.38 118.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 310.75 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.58 118.10 Td (several ) Tj ET Q q 0 0 0 rg BT 352.39 118.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 384.60 118.10 Td (including, ) Tj ET Q q 0 0 0 rg BT 427.37 118.10 Td (but ) Tj ET Q q 0 0 0 rg BT 442.65 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 457.93 118.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 488.76 118.10 Td (to:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 94.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.83 94.10 Td (general ) Tj ET Q q 0 0 0 rg BT 133.75 94.10 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 167.62 94.10 Td (based ) Tj ET Q q 0 0 0 rg BT 192.89 94.10 Td (on ) Tj ET Q q 0 0 0 rg BT 205.39 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 221.22 94.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 260.93 94.10 Td (default ) Tj ET Q q 0 0 0 rg BT 291.20 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 308.13 94.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 326.20 94.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 372.00 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 382.83 94.10 Td (well ) Tj ET Q q 0 0 0 rg BT 402.54 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 413.37 94.10 Td (current ) Tj ET Q q 0 0 0 rg BT 444.19 94.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 510.55 94.10 Td (factors; ) Tj ET Q q 0 0 0 rg BT 543.03 94.10 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 82.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.83 82.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 135.42 82.10 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 169.29 82.10 Td (based ) Tj ET Q q 0 0 0 rg BT 194.56 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 207.06 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 222.89 82.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 267.04 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.87 82.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 343.69 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 367.29 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.23 82.10 Td (their ) Tj ET Q q 0 0 0 rg BT 405.06 82.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 450.88 82.10 Td (collateral.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 70.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.99 58.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 123.97 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.74 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.40 58.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 194.38 58.10 Td (level ) Tj ET Q q 0 0 0 rg BT 215.25 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.03 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.69 58.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 280.66 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 293.76 58.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 312.42 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.31 58.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 349.73 58.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 375.07 58.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 417.05 58.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 452.38 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.26 58.10 Td (high ) Tj ET Q q 0 0 0 rg BT 477.49 58.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 505.57 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.35 58.10 Td (subjectivity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.64 46.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 101.05 46.10 Td (us ) Tj ET Q q 0 0 0 rg BT 112.14 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.12 46.10 Td (make ) Tj ET Q q 0 0 0 rg BT 145.98 46.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 190.39 46.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 229.80 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.33 46.10 Td (current ) Tj ET Q q 0 0 0 rg BT 270.85 46.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 295.82 46.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 316.91 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.55 46.10 Td (future ) Tj ET Q q 0 0 0 rg BT 359.63 46.10 Td (trends, ) Tj ET Q q 0 0 0 rg BT 388.77 46.10 Td (all ) Tj ET Q q 0 0 0 rg BT 400.96 46.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.49 46.10 Td (which ) Tj ET Q q 0 0 0 rg BT 438.13 46.10 Td (may ) Tj ET Q q 0 0 0 rg BT 457.55 46.10 Td (under) Tj ET Q q 0 0 0 rg BT 480.14 46.10 Td (go ) Tj ET Q q 0 0 0 rg BT 492.34 46.10 Td (material ) Tj ET Q q 0 0 0 rg BT 527.30 46.10 Td (changes. ) Tj ET Q endstream endobj 39 0 obj <> endobj 40 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Deterioration ) Tj ET Q q 0 0 0 rg BT 105.84 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 116.15 742.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 157.55 742.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 201.74 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 209.33 742.10 Td (fecting ) Tj ET Q q 0 0 0 rg BT 239.62 742.10 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 285.20 742.10 Td (new ) Tj ET Q q 0 0 0 rg BT 304.38 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 354.13 742.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 394.97 742.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 429.17 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 455.30 742.10 Td (identification ) Tj ET Q q 0 0 0 rg BT 511.15 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.01 742.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 86.29 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.35 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.75 730.10 Td (other ) Tj ET Q q 0 0 0 rg BT 151.26 730.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 183.93 730.10 Td (both ) Tj ET Q q 0 0 0 rg BT 204.67 730.10 Td (within ) Tj ET Q q 0 0 0 rg BT 233.18 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.58 730.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 282.43 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.72 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 310.01 730.10 Td (control, ) Tj ET Q q 0 0 0 rg BT 343.80 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 363.97 730.10 Td (require ) Tj ET Q q 0 0 0 rg BT 395.25 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 407.65 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 443.36 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.10 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.28 730.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 512.77 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.39 730.10 Td (loan ) 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 (lease ) Tj ET Q q 0 0 0 rg BT 72.18 718.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 100.76 718.10 Td (In ) Tj ET Q q 0 0 0 rg BT 111.28 718.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 148.75 718.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 170.38 718.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 213.66 718.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 250.28 718.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 300.23 718.10 Td (review ) Tj ET Q q 0 0 0 rg BT 329.63 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 345.15 718.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 387.87 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 401.72 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.13 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.76 718.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 459.94 718.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 486.02 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.65 718.10 Td (may ) Tj ET Q q 0 0 0 rg BT 522.06 718.10 Td (require ) Tj ET Q q 0 0 0 rg BT 552.56 718.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 85.05 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.12 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.62 706.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 149.69 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.65 706.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 198.71 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.22 706.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 244.41 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 255.03 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.54 706.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 317.37 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.99 706.10 Td (further ) Tj ET Q q 0 0 0 rg BT 357.49 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 377.00 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 394.02 706.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 414.94 706.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 426.96 706.10 Td (based ) Tj ET Q q 0 0 0 rg BT 452.02 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 464.31 706.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 508.26 706.10 Td (dif) Tj ET Q q 0 0 0 rg BT 519.19 706.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 544.80 706.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (those ) Tj ET Q q 0 0 0 rg BT 73.86 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.94 694.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 141.29 694.10 Td (In ) Tj ET Q q 0 0 0 rg BT 152.37 694.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 190.40 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 199.26 694.10 Td (char) Tj ET Q q 0 0 0 rg BT 216.28 694.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 237.20 694.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 247.18 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.71 694.10 Td (future ) Tj ET Q q 0 0 0 rg BT 284.34 694.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 316.53 694.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 347.04 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.00 694.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 405.29 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 419.70 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 439.67 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 456.86 694.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 479.60 694.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 508.75 694.10 Td (we ) Tj ET Q q 0 0 0 rg BT 523.16 694.10 Td (may ) Tj ET Q q 0 0 0 rg BT 543.13 694.10 Td (need ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.11 682.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 135.90 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.79 682.10 Td (replenish ) Tj ET Q q 0 0 0 rg BT 184.57 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.90 682.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 241.55 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.33 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 274.67 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 291.22 682.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 313.33 682.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 341.37 682.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 360.71 682.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 399.47 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.37 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.70 682.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 466.35 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.13 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 499.47 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.02 682.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 538.13 682.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (will ) Tj ET Q q 0 0 0 rg BT 67.73 670.10 Td (result ) Tj ET Q q 0 0 0 rg BT 92.11 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.06 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.67 670.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 145.26 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.21 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 169.59 670.10 Td (income ) Tj ET Q q 0 0 0 rg BT 201.20 670.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 220.31 670.10 Td (most ) Tj ET Q q 0 0 0 rg BT 241.92 670.10 Td (likely) Tj ET Q q 0 0 0 rg BT 264.05 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 268.72 670.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 300.04 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.65 670.10 Td (may ) Tj ET Q q 0 0 0 rg BT 336.04 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 357.08 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 363.69 670.10 Td (material ) Tj ET Q q 0 0 0 rg BT 398.62 670.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 434.66 670.10 Td (ef) Tj ET Q q 0 0 0 rg BT 442.25 670.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 459.41 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.58 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 487.08 670.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.23 670.10 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 658.10 Td (results ) Tj ET Q q 0 0 0 rg BT 95.55 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.38 658.10 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.55 634.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 114.03 634.10 Td (business ) Tj ET Q q 0 0 0 rg BT 152.56 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 173.83 634.10 Td (incr) Tj ET Q q 0 0 0 rg BT 190.87 634.10 Td (ease ) Tj ET Q q 0 0 0 rg BT 211.59 634.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 252.31 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.60 634.10 Td (our) Tj ET Q q 0 0 0 rg BT 278.42 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 281.36 634.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 337.65 634.10 Td (r) Tj ET Q q 0 0 0 rg BT 341.91 634.10 Td (evenues ) Tj ET Q q 0 0 0 rg BT 378.19 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 397.26 634.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 436.88 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.95 634.10 Td (our) Tj ET Q q 0 0 0 rg BT 470.77 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.72 634.10 Td (r) Tj ET Q q 0 0 0 rg BT 477.97 634.10 Td (esidential ) Tj ET Q q 0 0 0 rg BT 521.48 634.10 Td (mortgage ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 84.79 622.10 Td (pr) Tj ET Q q 0 0 0 rg BT 94.61 622.10 Td (ofitability ) Tj ET Q q 0 0 0 rg BT 139.39 622.10 Td (could ) Tj ET Q q 0 0 0 rg BT 165.85 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 178.96 622.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 234.31 622.10 Td (r) Tj ET Q q 0 0 0 rg BT 238.56 622.10 Td (educed ) Tj ET Q q 0 0 0 rg BT 271.68 622.10 Td (if ) Tj ET Q q 0 0 0 rg BT 280.90 622.10 Td (we ) Tj ET Q q 0 0 0 rg BT 295.68 622.10 Td (ar) Tj ET Q q 0 0 0 rg BT 304.94 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 312.49 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 329.50 622.10 Td (able ) Tj ET Q q 0 0 0 rg BT 350.39 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.84 622.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 403.28 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.51 622.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 439.52 622.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 483.17 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 508.52 622.10 Td (at ) Tj ET Q q 0 0 0 rg BT 519.96 622.10 Td (pr) Tj ET Q q 0 0 0 rg BT 529.78 622.10 Td (ofitable ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (margins.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.10 586.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 117.12 586.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 156.90 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 172.26 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 212.05 586.10 Td (business ) Tj ET Q q 0 0 0 rg BT 247.97 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.33 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.80 586.10 Td (result ) Tj ET Q q 0 0 0 rg BT 289.04 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.40 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 314.76 586.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 360.67 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.88 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 376.29 586.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 398.86 586.10 Td (Capital) Tj ET Q q 0 0 0 rg BT 430.52 586.10 Td (s ) Tj ET Q q 0 0 0 rg BT 436.44 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 476.23 586.10 Td (business ) Tj ET Q q 0 0 0 rg BT 512.15 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.96 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.06 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 541.47 586.10 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 81.37 574.10 Td (mer) Tj ET Q q 0 0 0 rg BT 96.74 574.10 Td (ger) Tj ET Q q 0 0 0 rg BT 108.96 574.10 Td (. ) Tj ET Q q 0 0 0 rg BT 113.95 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.89 574.10 Td (As ) Tj ET Q q 0 0 0 rg BT 129.50 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 136.43 574.10 Td (result ) Tj ET Q q 0 0 0 rg BT 161.14 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.96 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.67 574.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 216.37 574.10 Td (set ) Tj ET Q q 0 0 0 rg BT 229.97 574.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 251.90 574.10 Td (below ) Tj ET Q q 0 0 0 rg BT 278.83 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 299.11 574.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 329.91 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 340.18 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 356.01 574.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 396.26 574.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 435.15 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 449.30 574.10 Td (could ) Tj ET Q q 0 0 0 rg BT 474.01 574.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 519.80 574.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 88.61 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.89 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 114.72 562.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 167.76 562.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 201.90 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.84 562.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 271.88 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 286.60 562.10 Td (income ) Tj ET Q q 0 0 0 rg BT 318.54 562.10 Td (available ) Tj ET Q q 0 0 0 rg BT 357.12 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.28 562.10 Td (common ) Tj ET Q q 0 0 0 rg BT 408.78 562.10 Td (stockholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 93.30 538.10 Td (production, ) Tj ET Q q 0 0 0 rg BT 143.54 538.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 187.95 538.10 Td (refinancing, ) Tj ET Q q 0 0 0 rg BT 240.40 538.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 282.02 538.10 Td (declines ) Tj ET Q q 0 0 0 rg BT 319.21 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 331.41 538.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 358.61 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 392.46 538.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 411.87 538.10 Td (environments. ) Tj ET Q q 0 0 0 rg BT 472.91 538.10 Td (W) Tj ET Q q 0 0 0 rg BT 481.54 538.10 Td (e ) Tj ET Q q 0 0 0 rg BT 490.40 538.10 Td (have ) Tj ET Q q 0 0 0 rg BT 513.70 538.10 Td (experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (historically ) Tj ET Q q 0 0 0 rg BT 97.60 526.10 Td (low ) Tj ET Q q 0 0 0 rg BT 115.21 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 147.26 526.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 168.75 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.14 526.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 206.17 526.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 232.38 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 234.80 526.10 Td (When ) Tj ET Q q 0 0 0 rg BT 261.29 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 293.34 526.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 314.82 526.10 Td (rise, ) Tj ET Q q 0 0 0 rg BT 334.37 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 345.32 526.10 Td (even ) Tj ET Q q 0 0 0 rg BT 366.80 526.10 Td (if ) Tj ET Q q 0 0 0 rg BT 375.52 526.10 Td (they ) Tj ET Q q 0 0 0 rg BT 395.35 526.10 Td (do ) Tj ET Q q 0 0 0 rg BT 407.96 526.10 Td (not, ) Tj ET Q q 0 0 0 rg BT 425.85 526.10 Td (there ) Tj ET Q q 0 0 0 rg BT 448.45 526.10 Td (can ) Tj ET Q q 0 0 0 rg BT 464.94 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 476.99 526.10 Td (no ) Tj ET Q q 0 0 0 rg BT 489.60 526.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 531.08 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 548.68 526.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.04 514.10 Td (production ) Tj ET Q q 0 0 0 rg BT 135.64 514.10 Td (will ) Tj ET Q q 0 0 0 rg BT 153.48 514.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 190.19 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 199.69 514.10 Td (current ) Tj ET Q q 0 0 0 rg BT 230.28 514.10 Td (levels. ) Tj ET Q q 0 0 0 rg BT 258.38 514.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 293.97 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 307.91 514.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 324.08 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 330.79 514.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 375.84 514.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 407.01 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.62 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.11 514.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 472.15 514.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 495.54 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 509.48 514.10 Td (originate, ) Tj ET Q q 0 0 0 rg BT 549.80 514.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 100.44 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.44 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 127.45 502.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 167.88 502.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 202.77 502.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 247.10 502.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 282.54 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.99 502.10 Td (lar) Tj ET Q q 0 0 0 rg BT 303.36 502.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 315.47 502.10 Td (part ) Tj ET Q q 0 0 0 rg BT 333.69 502.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 356.36 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 372.36 502.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 400.59 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.04 502.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 452.57 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 459.68 502.10 Td (high ) Tj ET Q q 0 0 0 rg BT 480.13 502.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 512.80 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.80 502.10 Td (loans ) 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 (sell ) Tj ET Q q 0 0 0 rg BT 66.05 490.10 Td (them ) Tj ET Q q 0 0 0 rg BT 88.20 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.14 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.52 490.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 155.21 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 185.14 490.10 Td (at ) Tj ET Q q 0 0 0 rg BT 194.51 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 201.11 490.10 Td (gain. ) Tj ET Q q 0 0 0 rg BT 222.83 490.10 Td (Thus, ) Tj ET Q q 0 0 0 rg BT 247.49 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.43 490.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 292.36 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.30 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.68 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 348.27 490.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 365.41 490.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 420.62 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 436.11 490.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 476.03 490.10 Td (business ) Tj ET Q q 0 0 0 rg BT 512.08 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 520.91 490.10 Td (dependent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 72.50 478.10 Td (\(i\)the ) Tj ET Q q 0 0 0 rg BT 99.16 478.10 Td (existence ) Tj ET Q q 0 0 0 rg BT 138.86 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.69 478.10 Td (an ) Tj ET Q q 0 0 0 rg BT 161.63 478.10 Td (active ) Tj ET Q q 0 0 0 rg BT 188.00 478.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 231.04 478.10 Td (market ) Tj ET Q q 0 0 0 rg BT 261.30 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.24 478.10 Td (\(ii\)our ) Tj ET Q q 0 0 0 rg BT 308.78 478.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 336.84 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.11 478.10 Td (profitably ) Tj ET Q q 0 0 0 rg BT 389.05 478.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 405.43 478.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 429.04 478.10 Td (into ) Tj ET Q q 0 0 0 rg BT 447.10 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 464.59 478.10 Td (market. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 69.04 454.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 98.07 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.33 454.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 126.70 454.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 167.95 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 192.54 454.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 223.79 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 233.95 454.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 278.52 454.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 302.01 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.71 454.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 366.18 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.99 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 390.91 454.10 Td (active ) Tj ET Q q 0 0 0 rg BT 418.27 454.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 462.29 454.10 Td (market ) Tj ET Q q 0 0 0 rg BT 493.54 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 508.68 454.10 Td (single-family ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.13 442.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 116.11 442.10 Td (which ) Tj ET Q q 0 0 0 rg BT 142.91 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.06 442.10 Td (turn ) Tj ET Q q 0 0 0 rg BT 171.53 442.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 206.67 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.81 442.10 Td (part ) Tj ET Q q 0 0 0 rg BT 234.73 442.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 257.10 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.68 442.10 Td (continuation ) Tj ET Q q 0 0 0 rg BT 324.04 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.73 442.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 374.87 442.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 413.33 442.10 Td (of) Tj ET Q q 0 0 0 rg BT 421.48 442.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 444.38 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 456.75 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.34 442.10 Td (government ) Tj ET Q q 0 0 0 rg BT 521.47 442.10 Td (sponsored ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (enterprises ) Tj ET Q q 0 0 0 rg BT 95.64 430.10 Td (\("GSEs"\) ) Tj ET Q q 0 0 0 rg BT 135.57 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.33 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 175.20 430.10 Td (institutional ) Tj ET Q q 0 0 0 rg BT 225.30 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.06 430.10 Td (non-institutional ) Tj ET Q q 0 0 0 rg BT 310.50 430.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 351.26 430.10 Td (These ) Tj ET Q q 0 0 0 rg BT 377.46 430.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 408.67 430.10 Td (account ) Tj ET Q q 0 0 0 rg BT 442.08 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 456.07 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 462.83 430.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 507.92 430.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 539.13 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 430.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 92.26 418.10 Td (market ) Tj ET Q q 0 0 0 rg BT 121.75 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.25 418.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 174.62 418.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 214.11 418.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 239.44 418.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 274.48 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.42 418.10 Td (lar) Tj ET Q q 0 0 0 rg BT 298.79 418.10 Td (gest ) Tj ET Q q 0 0 0 rg BT 316.62 418.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 365.00 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.50 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.44 418.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 430.70 418.10 Td (market ) Tj ET Q q 0 0 0 rg BT 460.19 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 474.12 418.10 Td (GSEs ) Tj ET Q q 0 0 0 rg BT 498.62 418.10 Td (whose ) Tj ET Q q 0 0 0 rg BT 525.90 418.10 Td (activities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.08 406.10 Td (governed ) Tj ET Q q 0 0 0 rg BT 103.15 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 115.02 406.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 144.65 406.10 Td (law) Tj ET Q q 0 0 0 rg BT 158.44 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 162.81 406.10 Td (any ) Tj ET Q q 0 0 0 rg BT 179.12 406.10 Td (future ) Tj ET Q q 0 0 0 rg BT 204.86 406.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 238.94 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 248.59 406.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 268.79 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 285.65 406.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 337.51 406.10 Td (af) Tj ET Q q 0 0 0 rg BT 345.10 406.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 361.96 406.10 Td (them ) Tj ET Q q 0 0 0 rg BT 383.82 406.10 Td (could, ) Tj ET Q q 0 0 0 rg BT 410.41 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.06 406.10 Td (turn, ) Tj ET Q q 0 0 0 rg BT 440.54 406.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 482.94 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.25 406.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 539.44 406.10 Td (af) Tj ET Q q 0 0 0 rg BT 547.03 406.10 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 64.13 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 82.63 394.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 112.79 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 125.74 394.10 Td (us ) Tj ET Q q 0 0 0 rg BT 137.58 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.86 394.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 183.48 394.10 Td (proposals ) Tj ET Q q 0 0 0 rg BT 224.76 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.49 394.10 Td (reform ) Tj ET Q q 0 0 0 rg BT 265.65 394.10 Td (Fannie ) Tj ET Q q 0 0 0 rg BT 295.81 394.10 Td (Mae ) Tj ET Q q 0 0 0 rg BT 316.53 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.92 394.10 Td (Freddie ) Tj ET Q q 0 0 0 rg BT 367.42 394.10 Td (Mac, ) Tj ET Q q 0 0 0 rg BT 390.64 394.10 Td (which ) Tj ET Q q 0 0 0 rg BT 418.03 394.10 Td (were ) Tj ET Q q 0 0 0 rg BT 440.41 394.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 469.45 394.10 Td (into ) Tj ET Q q 0 0 0 rg BT 487.96 394.10 Td (conservatorship ) Tj ET Q q 0 0 0 rg BT 554.23 394.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (2008, ) Tj ET Q q 0 0 0 rg BT 74.87 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 83.91 382.10 Td (dif) Tj ET Q q 0 0 0 rg BT 94.84 382.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 118.32 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.47 382.10 Td (predict. ) Tj ET Q q 0 0 0 rg BT 161.10 382.10 Td (In ) Tj ET Q q 0 0 0 rg BT 171.81 382.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 209.45 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 225.15 382.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 253.08 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.23 382.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 279.49 382.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 319.62 382.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 343.10 382.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 373.24 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 382.28 382.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 425.75 382.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 448.12 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 463.82 382.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 491.74 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 501.89 382.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 532.03 382.10 Td (eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.06 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.67 370.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 115.83 370.10 Td (of) Tj ET Q q 0 0 0 rg BT 123.98 370.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 145.92 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 157.31 370.10 Td (GSEs ) Tj ET Q q 0 0 0 rg BT 181.49 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.33 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 219.27 370.10 Td (market ) Tj ET Q q 0 0 0 rg BT 248.43 370.10 Td (participants. ) Tj ET Q q 0 0 0 rg BT 298.98 370.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 315.93 370.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 342.88 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.05 370.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 381.21 370.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 412.60 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 421.77 370.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 458.71 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.55 370.10 Td (securitize ) Tj ET Q q 0 0 0 rg BT 514.25 370.10 Td (government ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 81.98 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 105.64 358.10 Td (may ) Tj ET Q q 0 0 0 rg BT 125.40 358.10 Td (also ) Tj ET Q q 0 0 0 rg BT 144.05 358.10 Td (depend ) Tj ET Q q 0 0 0 rg BT 175.48 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 188.02 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 203.90 358.10 Td (having ) Tj ET Q q 0 0 0 rg BT 233.66 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 245.64 358.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 290.38 358.10 Td (delinquency ) Tj ET Q q 0 0 0 rg BT 341.79 358.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 362.66 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.87 358.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 409.40 358.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 445.28 358.10 Td (Administration ) Tj ET Q q 0 0 0 rg BT 508.37 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 532.03 358.10 Td (relative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.11 346.10 Td (peers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 69.94 322.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 114.88 322.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 163.70 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.75 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 190.80 322.10 Td (eligibility ) Tj ET Q q 0 0 0 rg BT 232.41 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.91 322.10 Td (participate ) Tj ET Q q 0 0 0 rg BT 287.83 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 298.33 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.27 322.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 353.76 322.10 Td (of) Tj ET Q q 0 0 0 rg BT 361.91 322.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 385.17 322.10 Td (by ) Tj ET Q q 0 0 0 rg BT 397.89 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.83 322.10 Td (GSEs ) Tj ET Q q 0 0 0 rg BT 438.34 322.10 Td (could ) Tj ET Q q 0 0 0 rg BT 463.28 322.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 506.54 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.70 322.10 Td (adversely ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 310.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 74.91 310.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 88.63 310.10 Td (Further) Tj ET Q q 0 0 0 rg BT 117.67 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 122.50 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.05 310.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 167.70 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 181.69 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 205.13 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.24 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 227.01 310.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 264.32 310.10 Td (under ) Tj ET Q q 0 0 0 rg BT 289.42 310.10 Td (such ) Tj ET Q q 0 0 0 rg BT 310.08 310.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 350.18 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 369.73 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 381.50 310.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 417.15 310.10 Td (from ) Tj ET Q q 0 0 0 rg BT 438.92 310.10 Td (time-to-time ) Tj ET Q q 0 0 0 rg BT 491.24 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 503.58 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.13 310.10 Td (sponsoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 75.27 298.10 Td (which ) Tj ET Q q 0 0 0 rg BT 102.21 298.10 Td (could ) Tj ET Q q 0 0 0 rg BT 126.93 298.10 Td (result ) Tj ET Q q 0 0 0 rg BT 151.65 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.92 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.86 298.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 194.13 298.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 226.63 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.46 298.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 297.16 298.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 316.88 298.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 367.15 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 377.98 298.10 Td (other ) Tj ET Q q 0 0 0 rg BT 401.03 298.10 Td (administrative ) Tj ET Q q 0 0 0 rg BT 460.74 298.10 Td (costs. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.64 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.95 274.10 Td (inter) Tj ET Q q 0 0 0 rg BT 119.31 274.10 Td (est ) Tj ET Q q 0 0 0 rg BT 132.94 274.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 156.01 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 176.30 274.10 Td (change ) Tj ET Q q 0 0 0 rg BT 208.27 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.57 274.10 Td (value ) Tj ET Q q 0 0 0 rg BT 248.31 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.61 274.10 Td (our) Tj ET Q q 0 0 0 rg BT 273.43 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 275.40 274.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 317.90 274.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 358.19 274.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 385.16 274.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 424.34 274.10 Td (which ) Tj ET Q q 0 0 0 rg BT 451.87 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 472.17 274.10 Td (incr) Tj ET Q q 0 0 0 rg BT 489.20 274.10 Td (ease ) Tj ET Q q 0 0 0 rg BT 508.94 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.24 274.10 Td (volatility ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 262.10 Td (our) Tj ET Q q 0 0 0 rg BT 75.65 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.15 262.10 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (As ) Tj ET Q q 0 0 0 rg BT 64.04 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 71.40 238.10 Td (result ) Tj ET Q q 0 0 0 rg BT 96.54 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.80 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 124.05 238.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 164.74 238.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 204.32 238.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 243.64 238.10 Td (we ) Tj ET Q q 0 0 0 rg BT 258.22 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 280.02 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.39 238.10 Td (sizable ) Tj ET Q q 0 0 0 rg BT 318.08 238.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 356.00 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.25 238.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 407.94 238.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 447.52 238.10 Td (rights. ) Tj ET Q q 0 0 0 rg BT 475.08 238.10 Td (A) Tj ET Q q 0 0 0 rg BT 481.75 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.67 238.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 525.36 238.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (right ) Tj ET Q q 0 0 0 rg BT 71.90 226.10 Td (is ) Tj ET Q q 0 0 0 rg BT 81.58 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.82 226.10 Td (right ) Tj ET Q q 0 0 0 rg BT 118.72 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 129.51 226.10 Td (service ) Tj ET Q q 0 0 0 rg BT 160.84 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.29 226.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 209.07 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 229.30 226.10 Td (- ) Tj ET Q q 0 0 0 rg BT 235.64 226.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 265.31 226.10 Td (principal, ) Tj ET Q q 0 0 0 rg BT 306.37 226.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 338.81 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.27 226.10 Td (escrow ) Tj ET Q q 0 0 0 rg BT 387.60 226.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 424.50 226.10 Td (- ) Tj ET Q q 0 0 0 rg BT 430.85 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 445.52 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 452.97 226.10 Td (fee. ) Tj ET Q q 0 0 0 rg BT 470.48 226.10 Td (W) Tj ET Q q 0 0 0 rg BT 479.11 226.10 Td (e ) Tj ET Q q 0 0 0 rg BT 486.57 226.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 513.47 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.26 226.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.16 214.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 114.43 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.71 214.10 Td (support ) Tj ET Q q 0 0 0 rg BT 157.21 214.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 197.48 214.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 232.19 214.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 272.46 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.39 214.10 Td (diversify ) Tj ET Q q 0 0 0 rg BT 327.44 214.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 361.59 214.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 394.63 214.10 Td (from ) Tj ET Q q 0 0 0 rg BT 416.57 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 432.40 214.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 473.78 214.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 510.17 214.10 Td (Segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.00 202.10 Td ( ) 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 66.26 190.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 102.76 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 120.38 190.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 144.10 190.10 Td (all ) Tj ET Q q 0 0 0 rg BT 157.28 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.79 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 185.31 190.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 230.14 190.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 271.09 190.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 310.93 190.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 336.89 190.10 Td (using ) Tj ET Q q 0 0 0 rg BT 361.74 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.14 190.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 394.20 190.10 Td (value ) Tj ET Q q 0 0 0 rg BT 419.04 190.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 475.54 190.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 511.22 190.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 530.51 190.10 Td (value ) Tj ET Q q 0 0 0 rg BT 555.35 190.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 97.85 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 109.05 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.13 178.10 Td (present ) Tj ET Q q 0 0 0 rg BT 155.88 178.10 Td (value ) Tj ET Q q 0 0 0 rg BT 180.40 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.60 178.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 232.79 178.10 Td (future ) Tj ET Q q 0 0 0 rg BT 259.54 178.10 Td (net ) Tj ET Q q 0 0 0 rg BT 274.62 178.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 314.15 178.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 348.95 178.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 392.34 178.10 Td (based ) Tj ET Q q 0 0 0 rg BT 417.98 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 430.85 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 438.16 178.10 Td (number ) Tj ET Q q 0 0 0 rg BT 471.57 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.77 178.10 Td (variables, ) Tj ET Q q 0 0 0 rg BT 524.23 178.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 101.95 166.10 Td (about ) Tj ET Q q 0 0 0 rg BT 126.67 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.38 166.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 184.43 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.26 166.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 244.97 166.10 Td (by ) Tj ET Q q 0 0 0 rg BT 257.47 166.10 Td (borrowers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.00 142.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 102.11 142.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 119.57 142.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 163.12 142.10 Td (with ) Tj ET Q q 0 0 0 rg BT 183.35 142.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 223.57 142.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 262.68 142.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 287.91 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 297.04 142.10 Td (that ) Tj ET Q q 0 0 0 rg BT 314.49 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 324.72 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.61 142.10 Td (declining ) Tj ET Q q 0 0 0 rg BT 371.28 142.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 403.17 142.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 420.61 142.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 476.11 142.10 Td (they ) Tj ET Q q 0 0 0 rg BT 495.78 142.10 Td (will ) Tj ET Q q 0 0 0 rg BT 513.79 142.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 539.02 142.10 Td (lose ) Tj ET Q q 0 0 0 rg BT 557.58 142.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 95.69 130.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 127.50 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.75 130.10 Td (their ) Tj ET Q q 0 0 0 rg BT 160.00 130.10 Td (value ) Tj ET Q q 0 0 0 rg BT 184.58 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 195.83 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 203.19 130.10 Td (result ) Tj ET Q q 0 0 0 rg BT 228.33 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.58 130.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 268.05 130.10 Td (than ) Tj ET Q q 0 0 0 rg BT 288.19 130.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 334.97 130.10 Td (prepayments. ) Tj ET Q q 0 0 0 rg BT 391.49 130.10 Td (Moreover) Tj ET Q q 0 0 0 rg BT 430.52 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.94 130.10 Td (if ) Tj ET Q q 0 0 0 rg BT 444.97 130.10 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 498.98 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 514.11 130.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 544.79 130.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (expected, ) Tj ET Q q 0 0 0 rg BT 90.71 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.61 118.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 126.06 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 140.40 118.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 171.94 118.10 Td (over ) Tj ET Q q 0 0 0 rg BT 192.39 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.29 118.10 Td (life ) Tj ET Q q 0 0 0 rg BT 223.30 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.31 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.20 118.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 289.65 118.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 313.44 118.10 Td (would ) Tj ET Q q 0 0 0 rg BT 341.12 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 353.24 118.10 Td (reduced. ) Tj ET Q q 0 0 0 rg BT 390.06 118.10 Td (Conversely) Tj ET Q q 0 0 0 rg BT 434.96 118.10 Td (, ) Tj ET Q q 0 0 0 rg BT 440.14 118.10 Td (these ) Tj ET Q q 0 0 0 rg BT 463.37 118.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 489.38 118.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 529.26 118.10 Td (increase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.63 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 85.14 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.77 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.06 106.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 128.69 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 160.97 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 178.81 106.10 Td (environment ) Tj ET Q q 0 0 0 rg BT 232.20 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.83 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.90 106.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 285.19 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 303.03 106.10 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 356.98 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 372.04 106.10 Td (slower ) Tj ET Q q 0 0 0 rg BT 401.55 106.10 Td (than ) Tj ET Q q 0 0 0 rg BT 421.62 106.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 466.68 106.10 Td (estimated. ) Tj ET Q q 0 0 0 rg BT 509.73 106.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 550.36 106.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (invest ) Tj ET Q q 0 0 0 rg BT 76.40 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 86.69 94.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 126.96 94.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 166.13 94.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 191.42 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.71 94.10 Td (diversify ) Tj ET Q q 0 0 0 rg BT 239.77 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.49 94.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 288.65 94.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 321.71 94.10 Td (from ) Tj ET Q q 0 0 0 rg BT 343.66 94.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.50 94.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 400.89 94.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 437.29 94.10 Td (Segment, ) Tj ET Q q 0 0 0 rg BT 477.29 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.02 94.10 Td (increasing ) Tj ET Q q 0 0 0 rg BT 535.63 94.10 Td (size ) Tj ET Q q 0 0 0 rg BT 553.68 94.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.63 82.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 107.70 82.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 147.66 82.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 173.74 82.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 212.03 82.10 Td (may ) Tj ET Q q 0 0 0 rg BT 232.55 82.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 268.61 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.24 82.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 317.98 82.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 336.26 82.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 354.57 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 372.31 82.10 Td (correspondingly) Tj ET Q q 0 0 0 rg BT 436.64 82.10 Td (, ) Tj ET Q q 0 0 0 rg BT 442.45 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.96 82.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 497.38 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.01 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 525.64 82.10 Td (earnings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (especially ) Tj ET Q q 0 0 0 rg BT 92.48 70.10 Td (if ) Tj ET Q q 0 0 0 rg BT 101.09 70.10 Td (we ) Tj ET Q q 0 0 0 rg BT 115.25 70.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 144.40 70.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 190.21 70.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 216.59 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.31 70.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 263.24 70.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 280.73 70.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 298.23 70.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 331.27 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 341.55 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 357.38 70.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 397.64 70.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 436.80 70.10 Td (rights. ) Tj ET Q endstream endobj 41 0 obj <> endobj 42 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.41 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 118.91 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.91 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 142.82 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.57 742.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 196.75 742.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 234.81 742.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 259.01 742.10 Td (had ) Tj ET Q q 0 0 0 rg BT 274.86 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 280.71 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 296.00 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 319.07 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.81 742.10 Td ($238.0 ) Tj ET Q q 0 0 0 rg BT 357.73 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.62 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 388.03 742.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 428.87 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.06 742.10 Td ($168.2 ) Tj ET Q q 0 0 0 rg BT 466.98 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.87 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.28 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.91 742.10 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 q 0 0 0 rg BT 75.09 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.68 730.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 114.71 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 125.08 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 141.55 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 165.79 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.71 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.63 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 232.99 730.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 272.23 730.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 297.60 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 312.40 730.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 349.96 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.33 730.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 396.80 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.17 730.10 Td (each ) Tj ET Q q 0 0 0 rg BT 428.07 730.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 458.71 730.10 Td (Depending ) Tj ET Q q 0 0 0 rg BT 505.18 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 517.77 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.58 730.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.51 718.10 Td (environment, ) Tj ET Q q 0 0 0 rg BT 123.07 718.10 Td (it ) Tj ET Q q 0 0 0 rg BT 131.15 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.35 718.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 175.65 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 193.17 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.91 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 224.31 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 248.49 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.34 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 275.19 718.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 315.48 718.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 354.66 718.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 379.96 718.10 Td (may ) Tj ET Q q 0 0 0 rg BT 399.70 718.10 Td (be ) Tj ET Q q 0 0 0 rg BT 411.66 718.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 445.83 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.13 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.88 718.10 Td (future. ) Tj ET Q q 0 0 0 rg BT 499.78 718.10 Td (If ) Tj ET Q q 0 0 0 rg BT 508.96 718.10 Td (such ) Tj ET Q q 0 0 0 rg BT 529.81 718.10 Td (changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.19 706.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 74.49 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 97.56 706.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 148.96 706.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 177.03 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.66 706.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 225.39 706.10 Td (value ) Tj ET Q q 0 0 0 rg BT 248.46 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.21 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 272.95 706.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 312.13 706.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 350.21 706.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 376.90 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 391.65 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 428.04 706.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 467.23 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.09 706.10 Td (results ) Tj ET Q q 0 0 0 rg BT 510.61 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 706.10 Td (operations ) 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 77.50 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 89.44 694.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 133.59 694.10 Td (af) Tj ET Q q 0 0 0 rg BT 141.18 694.10 Td (fected.) 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 67.43 670.10 Td (Basel ) Tj ET Q q 0 0 0 rg BT 91.52 670.10 Td (III ) Tj ET Q q 0 0 0 rg BT 103.39 670.10 Td (Rule ) Tj ET Q q 0 0 0 rg BT 124.16 670.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 158.25 670.10 Td (deductions ) Tj ET Q q 0 0 0 rg BT 203.45 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 224.77 670.10 Td (CommonEquity ) Tj ET Q q 0 0 0 rg BT 292.91 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 298.66 670.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 311.09 670.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 317.97 670.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 348.73 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 358.39 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.49 670.10 Td (event ) Tj ET Q q 0 0 0 rg BT 396.02 670.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 435.67 670.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 474.20 670.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 498.86 670.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 528.49 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 534.81 670.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 95.80 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.63 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.57 658.10 Td (bank) Tj ET Q q 0 0 0 rg BT 135.79 658.10 Td (s ) Tj ET Q q 0 0 0 rg BT 142.18 658.10 Td (CommonEquity ) Tj ET Q q 0 0 0 rg BT 210.89 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 216.65 658.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 229.69 658.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 237.19 658.10 Td (threshold. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 85.66 634.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 122.46 634.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 165.89 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 186.01 634.10 Td (we ) Tj ET Q q 0 0 0 rg BT 200.56 634.10 Td (use ) Tj ET Q q 0 0 0 rg BT 217.35 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.57 634.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 264.80 634.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 314.35 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 325.59 634.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 369.02 634.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 410.24 634.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 440.63 634.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 484.06 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 509.19 634.10 Td (held ) Tj ET Q q 0 0 0 rg BT 530.42 634.10 Td (for) Tj ET Q q 0 0 0 rg BT 543.01 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 545.91 634.10 Td (sale ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 68.89 622.10 Td (inter) Tj ET Q q 0 0 0 rg BT 89.25 622.10 Td (est ) Tj ET Q q 0 0 0 rg BT 103.67 622.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 123.64 622.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 144.19 622.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 204.71 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 225.80 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 238.56 622.10 Td (ineffective ) Tj ET Q q 0 0 0 rg BT 285.19 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.28 622.10 Td (offset ) Tj ET Q q 0 0 0 rg BT 322.36 622.10 Td (any ) Tj ET Q q 0 0 0 rg BT 340.69 622.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 376.22 622.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 412.87 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.98 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.07 622.10 Td (fair) Tj ET Q q 0 0 0 rg BT 455.43 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.20 622.10 Td (value ) Tj ET Q q 0 0 0 rg BT 483.74 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 494.83 622.10 Td (these ) Tj ET Q q 0 0 0 rg BT 519.25 622.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 546.46 622.10 Td (due ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.83 610.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 97.22 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 108.06 610.10 Td (inter) Tj ET Q q 0 0 0 rg BT 128.43 610.10 Td (est ) Tj ET Q q 0 0 0 rg BT 142.59 610.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 166.19 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.81 610.10 Td (market ) Tj ET Q q 0 0 0 rg BT 218.41 610.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 253.98 610.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 66.11 586.10 Td (use ) Tj ET Q q 0 0 0 rg BT 82.48 586.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 125.49 586.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 175.19 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.00 586.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 242.91 586.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 269.82 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 310.62 586.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 350.31 586.10 Td (rights, ) Tj ET Q q 0 0 0 rg BT 378.62 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 419.42 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 443.56 586.10 Td (held ) Tj ET Q q 0 0 0 rg BT 463.81 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 478.51 586.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 497.09 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 514.56 586.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.03 586.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (lock ) Tj ET Q q 0 0 0 rg BT 69.82 574.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 126.87 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 137.25 574.10 Td (of) Tj ET Q q 0 0 0 rg BT 145.40 574.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 162.44 574.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 197.25 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.64 574.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 224.12 574.10 Td (value ) Tj ET Q q 0 0 0 rg BT 248.38 574.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 285.98 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 308.02 574.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 347.28 574.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 379.32 574.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 396.91 574.10 Td (environments. ) Tj ET Q q 0 0 0 rg BT 456.45 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 474.61 574.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 509.43 574.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 549.80 574.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 97.10 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.54 562.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 157.40 562.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 177.57 562.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 200.23 562.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 220.40 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 250.82 562.10 Td (volatility ) Tj ET Q q 0 0 0 rg BT 289.59 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.70 562.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 341.57 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.01 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.89 562.10 Td (shape ) Tj ET Q q 0 0 0 rg BT 392.32 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.32 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.20 562.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 440.85 562.10 Td (curve, ) Tj ET Q q 0 0 0 rg BT 468.23 562.10 Td (among ) Tj ET Q q 0 0 0 rg BT 498.11 562.10 Td (other ) Tj ET Q q 0 0 0 rg BT 521.32 562.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 553.69 562.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 87.35 550.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 121.65 550.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 161.49 550.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 179.11 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 191.19 550.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 242.71 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.23 550.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 305.74 550.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 346.14 550.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 371.54 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.06 550.10 Td (general ) Tj ET Q q 0 0 0 rg BT 419.56 550.10 Td (market ) Tj ET Q q 0 0 0 rg BT 449.40 550.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 481.19 550.10 Td (If ) Tj ET Q q 0 0 0 rg BT 489.92 550.10 Td (these ) Tj ET Q q 0 0 0 rg BT 512.55 550.10 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.87 538.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 113.73 538.10 Td (prove ) Tj ET Q q 0 0 0 rg BT 138.93 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.13 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 161.00 538.10 Td (incorrect ) Tj ET Q q 0 0 0 rg BT 198.96 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 209.72 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 225.48 538.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 260.12 538.10 Td (strategies ) Tj ET Q q 0 0 0 rg BT 300.31 538.10 Td (do ) Tj ET Q q 0 0 0 rg BT 312.74 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 327.95 538.10 Td (adequately ) Tj ET Q q 0 0 0 rg BT 373.69 538.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 408.88 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.53 538.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 453.17 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.93 538.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 498.56 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 508.77 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 540.63 538.10 Td (rates, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (we ) Tj ET Q q 0 0 0 rg BT 64.16 526.10 Td (may ) Tj ET Q q 0 0 0 rg BT 83.88 526.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 106.92 526.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 133.32 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 150.81 526.10 Td (would ) Tj ET Q q 0 0 0 rg BT 178.31 526.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 219.13 526.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 248.84 526.10 Td (earnings. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 502.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 113.13 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 133.97 502.10 Td (r) Tj ET Q q 0 0 0 rg BT 138.23 502.10 Td (epr) Tj ET Q q 0 0 0 rg BT 152.49 502.10 Td (esentation ) Tj ET Q q 0 0 0 rg BT 198.32 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.94 502.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 259.43 502.10 Td (r) Tj ET Q q 0 0 0 rg BT 263.69 502.10 Td (eserve ) Tj ET Q q 0 0 0 rg BT 292.84 502.10 Td (for) Tj ET Q q 0 0 0 rg BT 305.42 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.92 502.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 334.32 502.10 Td (could ) Tj ET Q q 0 0 0 rg BT 360.16 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 372.66 502.10 Td (insufficient. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.22 478.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 103.46 478.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 140.60 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 147.18 478.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 205.97 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.55 478.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 260.24 478.10 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 293.75 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.33 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 329.15 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 335.73 478.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 368.99 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 381.14 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 396.61 478.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 449.30 478.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 481.98 478.10 Td (sheets, ) Tj ET Q q 0 0 0 rg BT 511.06 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.99 478.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 548.66 478.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (best ) Tj ET Q q 0 0 0 rg BT 68.71 466.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 104.62 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.55 466.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 153.68 466.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 180.17 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 197.76 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 212.02 466.10 Td (will ) Tj ET Q q 0 0 0 rg BT 230.18 466.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 253.32 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 265.92 466.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 289.62 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 307.22 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 321.47 466.10 Td (have ) Tj ET Q q 0 0 0 rg BT 342.95 466.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 362.22 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 373.14 466.10 Td (securitized ) Tj ET Q q 0 0 0 rg BT 419.05 466.10 Td (into ) Tj ET Q q 0 0 0 rg BT 437.21 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.02 466.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 495.16 466.10 Td (market ) Tj ET Q q 0 0 0 rg BT 525.52 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.55 466.10 Td (must ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 103.73 454.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 148.54 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 158.38 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 177.67 454.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 207.49 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.78 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 242.72 454.10 Td (we ) Tj ET Q q 0 0 0 rg BT 255.89 454.10 Td (must ) Tj ET Q q 0 0 0 rg BT 276.85 454.10 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 319.46 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.19 454.10 Td (purchasers ) Tj ET Q q 0 0 0 rg BT 377.46 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 393.40 454.10 Td (insurers ) Tj ET Q q 0 0 0 rg BT 426.57 454.10 Td (because ) Tj ET Q q 0 0 0 rg BT 459.73 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.57 454.10 Td (violations ) Tj ET Q q 0 0 0 rg BT 510.52 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 454.10 Td (customary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 112.73 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.37 442.10 Td (warranties. ) Tj ET Q q 0 0 0 rg BT 175.72 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.92 442.10 Td (Increases ) Tj ET Q q 0 0 0 rg BT 217.32 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.30 442.10 Td (this ) Tj ET Q q 0 0 0 rg BT 243.95 442.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 275.02 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 288.88 442.10 Td (current ) Tj ET Q q 0 0 0 rg BT 319.39 442.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 338.81 442.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 360.45 442.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 389.30 442.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 429.26 442.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 463.68 442.10 Td (revenue. ) Tj ET Q q 0 0 0 rg BT 499.87 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 517.62 442.10 Td (level ) Tj ET Q q 0 0 0 rg BT 539.25 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 442.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 82.93 430.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 116.43 430.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 177.28 430.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 224.12 430.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 269.83 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.23 430.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 301.86 430.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 349.23 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 363.30 430.10 Td (repurchased ) Tj ET Q q 0 0 0 rg BT 415.67 430.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 443.34 430.10 Td (indemnifications ) Tj ET Q q 0 0 0 rg BT 514.62 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.13 430.10 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 91.51 418.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 138.32 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 149.28 418.10 Td (well ) Tj ET Q q 0 0 0 rg BT 169.14 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 180.11 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.97 418.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 225.93 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.90 418.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.76 418.10 Td (purchasers ) Tj ET Q q 0 0 0 rg BT 302.15 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.23 418.10 Td (guarantors. ) Tj ET Q q 0 0 0 rg BT 366.39 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 384.57 418.10 Td (determination ) Tj ET Q q 0 0 0 rg BT 442.75 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.72 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.57 418.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 516.75 418.10 Td (level ) Tj ET Q q 0 0 0 rg BT 538.82 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 418.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 91.19 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 111.84 406.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 171.91 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.78 406.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 228.74 406.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 261.04 406.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 305.01 406.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 342.33 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.19 406.10 Td (high ) Tj ET Q q 0 0 0 rg BT 371.40 406.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 401.48 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.24 406.10 Td (subjectivity ) Tj ET Q q 0 0 0 rg BT 463.32 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.19 406.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 516.83 406.10 Td (us ) Tj ET Q q 0 0 0 rg BT 529.15 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 540.36 406.10 Td (make ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 90.00 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 101.12 394.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 147.22 394.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 168.90 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.13 394.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 224.45 394.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 251.13 394.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 306.13 394.10 Td (experienced. ) Tj ET Q q 0 0 0 rg BT 359.73 394.10 Td (Both ) Tj ET Q q 0 0 0 rg BT 381.96 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.97 394.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 449.21 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.44 394.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 506.44 394.10 Td (used ) Tj ET Q q 0 0 0 rg BT 527.56 394.10 Td (could ) Tj ET Q q 0 0 0 rg BT 552.56 394.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (inaccurate, ) Tj ET Q q 0 0 0 rg BT 95.81 382.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 133.04 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.06 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 149.73 382.10 Td (level ) Tj ET Q q 0 0 0 rg BT 171.40 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.97 382.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 213.07 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 230.30 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 239.21 382.10 Td (less ) Tj ET Q q 0 0 0 rg BT 256.44 382.10 Td (than ) Tj ET Q q 0 0 0 rg BT 275.89 382.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 302.00 382.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 330.63 382.10 Td (If ) Tj ET Q q 0 0 0 rg BT 339.52 382.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 381.75 382.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 416.74 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 431.18 382.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 469.24 382.10 Td (it ) Tj ET Q q 0 0 0 rg BT 477.03 382.10 Td (could ) Tj ET Q q 0 0 0 rg BT 501.48 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 522.59 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 529.27 382.10 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 83.04 370.10 Td (ef) Tj ET Q q 0 0 0 rg BT 90.63 370.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 108.11 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.61 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 136.44 370.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 175.33 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 212.81 370.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 253.09 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 270.02 370.10 Td (results ) Tj ET Q q 0 0 0 rg BT 298.63 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.46 370.10 Td (operations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.38 346.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 106.54 346.10 Td (incr) Tj ET Q q 0 0 0 rg BT 123.57 346.10 Td (ease ) Tj ET Q q 0 0 0 rg BT 144.05 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 155.10 346.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 187.80 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 208.85 346.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 248.23 346.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 294.27 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 315.87 346.10 Td (our) Tj ET Q q 0 0 0 rg BT 330.69 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 333.40 346.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 376.65 346.10 Td (business ) Tj ET Q q 0 0 0 rg BT 414.93 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 435.97 346.10 Td (r) Tj ET Q q 0 0 0 rg BT 440.23 346.10 Td (esult ) Tj ET Q q 0 0 0 rg BT 462.94 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 473.99 346.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 512.83 346.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 532.21 346.10 Td (r) Tj ET Q q 0 0 0 rg BT 536.46 346.10 Td (elated ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.83 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.66 334.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 112.51 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 123.34 334.10 Td (these ) Tj ET Q q 0 0 0 rg BT 147.50 334.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.84 310.10 Td (held ) Tj ET Q q 0 0 0 rg BT 87.35 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 101.31 310.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 119.15 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 138.66 310.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 171.49 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 181.56 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 197.19 310.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 237.25 310.10 Td (business ) Tj ET Q q 0 0 0 rg BT 273.43 310.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 316.26 310.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 356.32 310.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 379.73 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 397.02 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 411.52 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.59 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.10 310.10 Td (process ) Tj ET Q q 0 0 0 rg BT 468.39 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.01 310.10 Td (being ) Tj ET Q q 0 0 0 rg BT 503.53 310.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 522.49 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 532.56 310.10 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 91.58 298.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 115.11 298.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 152.51 298.10 Td (steadily ) Tj ET Q q 0 0 0 rg BT 186.59 298.10 Td (accumulate ) Tj ET Q q 0 0 0 rg BT 235.09 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.50 298.10 Td (then ) Tj ET Q q 0 0 0 rg BT 272.70 298.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 310.09 298.10 Td (at ) Tj ET Q q 0 0 0 rg BT 320.28 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.47 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 356.22 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.53 298.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 388.34 298.10 Td (W) Tj ET Q q 0 0 0 rg BT 396.98 298.10 Td (e ) Tj ET Q q 0 0 0 rg BT 404.39 298.10 Td (fund ) Tj ET Q q 0 0 0 rg BT 425.70 298.10 Td (these ) Tj ET Q q 0 0 0 rg BT 449.22 298.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 486.62 298.10 Td (through ) Tj ET Q q 0 0 0 rg BT 520.70 298.10 Td (short ) Tj ET Q q 0 0 0 rg BT 543.68 298.10 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (funding, ) Tj ET Q q 0 0 0 rg BT 85.37 286.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 124.33 286.10 Td (through ) Tj ET Q q 0 0 0 rg BT 157.20 286.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 188.94 286.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 215.14 286.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 237.44 286.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 260.31 286.10 Td (\("FHLB"\) ) Tj ET Q q 0 0 0 rg BT 302.45 286.10 Td (advances, ) Tj ET Q q 0 0 0 rg BT 343.35 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 369.55 286.10 Td (require ) Tj ET Q q 0 0 0 rg BT 399.62 286.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 441.07 286.10 Td (In ) Tj ET Q q 0 0 0 rg BT 451.16 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.13 286.10 Td (event ) Tj ET Q q 0 0 0 rg BT 488.54 286.10 Td (that ) Tj ET Q q 0 0 0 rg BT 505.30 286.10 Td (we ) Tj ET Q q 0 0 0 rg BT 518.71 286.10 Td (experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.88 274.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 101.54 274.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 136.74 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.96 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 162.74 274.10 Td (held ) Tj ET Q q 0 0 0 rg BT 182.40 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 196.51 274.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 214.50 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 234.16 274.10 Td (balances, ) Tj ET Q q 0 0 0 rg BT 273.53 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 289.31 274.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 325.64 274.10 Td (could ) Tj ET Q q 0 0 0 rg BT 350.30 274.10 Td (be ) Tj ET Q q 0 0 0 rg BT 362.19 274.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 406.28 274.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 445.38 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 456.16 274.10 Td (we ) Tj ET Q q 0 0 0 rg BT 470.26 274.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 505.46 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 521.24 274.10 Td (short ) Tj ET Q q 0 0 0 rg BT 543.68 274.10 Td (term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 98.24 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.37 262.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 154.14 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.16 262.10 Td (required ) Tj ET Q q 0 0 0 rg BT 206.17 262.10 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 247.96 262.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 288.43 262.10 Td (we ) Tj ET Q q 0 0 0 rg BT 302.78 262.10 Td (have ) Tj ET Q q 0 0 0 rg BT 324.34 262.10 Td (access ) Tj ET Q q 0 0 0 rg BT 352.57 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 363.04 262.10 Td (other ) Tj ET Q q 0 0 0 rg BT 386.27 262.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 418.95 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 429.97 262.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 474.88 262.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 508.12 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 513.31 262.10 Td (we ) Tj ET Q q 0 0 0 rg BT 527.66 262.10 Td (could ) Tj ET Q q 0 0 0 rg BT 552.56 262.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 93.04 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.98 250.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 150.79 250.10 Td (af) Tj ET Q q 0 0 0 rg BT 158.38 250.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 185.30 250.10 Td (if ) Tj ET Q q 0 0 0 rg BT 193.91 250.10 Td (we ) Tj ET Q q 0 0 0 rg BT 208.07 250.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 223.90 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.17 250.10 Td (ef) Tj ET Q q 0 0 0 rg BT 241.76 250.10 Td (fectively ) Tj ET Q q 0 0 0 rg BT 279.24 250.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 312.84 250.10 Td (this ) Tj ET Q q 0 0 0 rg BT 329.79 250.10 Td (risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (The fair) Tj ET Q q 0 0 0 rg BT 84.54 226.10 Td ( value of our) Tj ET Q q 0 0 0 rg BT 137.96 226.10 Td ( investment securities can fluctuate due to market conditions outside of our) Tj ET Q q 0 0 0 rg BT 457.48 226.10 Td ( contr) Tj ET Q q 0 0 0 rg BT 482.57 226.10 Td (ol.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.87 202.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.95 202.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 133.79 202.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.79 202.10 Td (, ) Tj ET Q q 0 0 0 rg BT 159.05 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 175.13 202.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 221.77 202.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 262.29 202.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 300.04 202.10 Td (contained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.67 202.10 Td (615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.67 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.42 202.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 399.94 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 410.48 202.10 Td (an ) Tj ET Q q 0 0 0 rg BT 422.67 202.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 467.07 202.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 485.38 202.10 Td (position ) Tj ET Q q 0 0 0 rg BT 520.37 202.10 Td (\(with ) Tj ET Q q 0 0 0 rg BT 544.23 202.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 94.30 190.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 120.86 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.85 190.10 Td ($15.7 ) Tj ET Q q 0 0 0 rg BT 157.01 190.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.90 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 188.57 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 199.56 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.55 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 228.21 190.10 Td (date\), ) Tj ET Q q 0 0 0 rg BT 253.36 190.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 295.44 190.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.89 190.10 Td (193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.89 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 323.55 190.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 363.97 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 374.42 190.10 Td (an ) Tj ET Q q 0 0 0 rg BT 386.52 190.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 430.82 190.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 449.04 190.10 Td (position ) Tj ET Q q 0 0 0 rg BT 483.93 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 494.93 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 190.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.43 178.10 Td (\(with ) Tj ET Q q 0 0 0 rg BT 95.97 178.10 Td (total ) Tj ET Q q 0 0 0 rg BT 116.17 178.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 160.25 178.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 186.57 178.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.33 178.10 Td ($8.5 ) Tj ET Q q 0 0 0 rg BT 217.26 178.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.15 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 248.58 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 259.34 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.10 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 287.53 178.10 Td (date\). ) Tj ET Q q 0 0 0 rg BT 312.44 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 314.88 178.10 Td (Factors ) Tj ET Q q 0 0 0 rg BT 346.74 178.10 Td (beyond ) Tj ET Q q 0 0 0 rg BT 378.61 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 394.37 178.10 Td (control ) Tj ET Q q 0 0 0 rg BT 425.13 178.10 Td (can ) Tj ET Q q 0 0 0 rg BT 441.44 178.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 493.86 178.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 533.49 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.14 178.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.33 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.34 166.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 122.79 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.25 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 147.26 166.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 192.82 166.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 232.26 166.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 268.94 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.05 166.10 Td (can ) Tj ET Q q 0 0 0 rg BT 300.61 166.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 324.50 166.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 361.17 166.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 393.38 166.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 427.27 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 436.73 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.63 166.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 466.18 166.10 Td (value ) Tj ET Q q 0 0 0 rg BT 489.52 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.53 166.10 Td (these ) Tj ET Q q 0 0 0 rg BT 521.75 166.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (These ) Tj ET Q q 0 0 0 rg BT 76.61 154.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 106.56 154.10 Td (include ) Tj ET Q q 0 0 0 rg BT 138.73 154.10 Td (but ) Tj ET Q q 0 0 0 rg BT 154.24 154.10 Td (are ) Tj ET Q q 0 0 0 rg BT 169.18 154.10 Td (not ) Tj ET Q q 0 0 0 rg BT 184.70 154.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 215.76 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.28 154.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 252.34 154.10 Td (agency ) Tj ET Q q 0 0 0 rg BT 283.39 154.10 Td (downgrades ) Tj ET Q q 0 0 0 rg BT 334.44 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.51 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 360.46 154.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 403.46 154.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 437.85 154.10 Td (by ) Tj ET Q q 0 0 0 rg BT 450.59 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.54 154.10 Td (issuer ) Tj ET Q q 0 0 0 rg BT 491.61 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 502.67 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 523.19 154.10 Td (respect ) 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 (the ) Tj ET Q q 0 0 0 rg BT 65.21 142.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 111.53 142.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 154.79 142.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 190.00 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.77 142.10 Td (market ) Tj ET Q q 0 0 0 rg BT 231.53 142.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 263.96 142.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 285.83 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.26 142.10 Td (instability ) Tj ET Q q 0 0 0 rg BT 346.26 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 357.03 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 372.25 142.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 398.01 142.10 Td (markets. ) Tj ET Q q 0 0 0 rg BT 434.50 142.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 454.71 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.04 142.10 Td (these ) Tj ET Q q 0 0 0 rg BT 489.58 142.10 Td (mentioned ) Tj ET Q q 0 0 0 rg BT 534.79 142.10 Td (factors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (could ) Tj ET Q q 0 0 0 rg BT 73.81 130.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 97.62 130.10 Td (an-other) Tj ET Q q 0 0 0 rg BT 130.73 130.10 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 197.30 130.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 245.00 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 254.92 130.10 Td (permanent ) Tj ET Q q 0 0 0 rg BT 298.72 130.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 346.42 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 356.34 130.10 Td (these ) Tj ET Q q 0 0 0 rg BT 378.49 130.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 405.91 130.10 Td (which ) Tj ET Q q 0 0 0 rg BT 431.95 130.10 Td (would ) Tj ET Q q 0 0 0 rg BT 458.54 130.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 476.80 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 486.17 130.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 531.64 130.10 Td (char) Tj ET Q q 0 0 0 rg BT 548.67 130.10 Td (ges ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.55 118.10 Td (could ) Tj ET Q q 0 0 0 rg BT 102.88 118.10 Td (have ) Tj ET Q q 0 0 0 rg BT 124.87 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 132.42 118.10 Td (material ) Tj ET Q q 0 0 0 rg BT 168.29 118.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 205.27 118.10 Td (ef) Tj ET Q q 0 0 0 rg BT 212.86 118.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 230.96 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 244.07 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 260.51 118.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 298.60 118.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 339.49 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.04 118.10 Td (results ) Tj ET Q q 0 0 0 rg BT 386.26 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.70 118.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 444.97 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.08 118.10 Td (In ) Tj ET Q q 0 0 0 rg BT 459.52 118.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 497.91 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 512.68 118.10 Td (have ) Tj ET Q q 0 0 0 rg BT 534.67 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 542.22 118.10 Td (lar) Tj ET Q q 0 0 0 rg BT 552.58 118.10 Td (ge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 78.05 106.10 Td (term ) Tj ET Q q 0 0 0 rg BT 98.87 106.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 141.36 106.10 Td (security ) Tj ET Q q 0 0 0 rg BT 175.52 106.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 213.01 106.10 Td (that ) Tj ET Q q 0 0 0 rg BT 230.51 106.10 Td (would ) Tj ET Q q 0 0 0 rg BT 258.01 106.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 289.38 106.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 342.43 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.71 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 376.87 106.10 Td (if ) Tj ET Q q 0 0 0 rg BT 385.47 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 417.41 106.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 438.78 106.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 474.04 106.10 Td (materially) Tj ET Q q 0 0 0 rg BT 513.93 106.10 Td (.) Tj ET Q endstream endobj 43 0 obj <> endobj 44 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (21) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Higher) Tj ET Q q 0 0 0 rg BT 79.81 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 82.31 742.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 109.26 742.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 142.32 742.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 186.49 742.25 Td (pr) Tj ET Q q 0 0 0 rg BT 196.31 742.25 Td (emiums ) Tj ET Q q 0 0 0 rg BT 232.14 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 250.76 742.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 303.82 742.25 Td (could ) Tj ET Q q 0 0 0 rg BT 329.66 742.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 384.38 742.25 Td (incr) Tj ET Q q 0 0 0 rg BT 401.42 742.25 Td (ease ) Tj ET Q q 0 0 0 rg BT 421.69 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 436.51 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 439.01 742.25 Td (non-inter) Tj ET Q q 0 0 0 rg BT 478.83 742.25 Td (est ) Tj ET Q q 0 0 0 rg BT 492.99 742.25 Td (expense.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.93 718.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 115.40 718.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 136.42 718.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 176.32 718.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 228.46 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 238.39 718.25 Td (2009, ) Tj ET Q q 0 0 0 rg BT 263.04 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 279.62 718.25 Td (we ) Tj ET Q q 0 0 0 rg BT 293.43 718.25 Td (may ) Tj ET Q q 0 0 0 rg BT 312.80 718.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 329.38 718.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 357.08 718.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 382.01 718.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 424.16 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 434.08 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.45 718.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 479.32 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 497.01 718.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 547.57 718.25 Td (Act ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (established ) Tj ET Q q 0 0 0 rg BT 96.90 706.25 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 125.20 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 135.99 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.67 706.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 192.03 706.25 Td (Designated ) Tj ET Q q 0 0 0 rg BT 239.48 706.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 274.16 706.25 Td (Ratio ) Tj ET Q q 0 0 0 rg BT 298.29 706.25 Td (\("DRR"\). ) Tj ET Q q 0 0 0 rg BT 338.46 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 356.47 706.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 381.72 706.25 Td (has ) Tj ET Q q 0 0 0 rg BT 397.52 706.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 444.96 706.25 Td (that ) Tj ET Q q 0 0 0 rg BT 462.42 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.11 706.25 Td (DRR ) Tj ET Q q 0 0 0 rg BT 500.13 706.25 Td (should ) Tj ET Q q 0 0 0 rg BT 529.27 706.25 Td (be ) Tj ET Q q 0 0 0 rg BT 541.17 706.25 Td (2.0% ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.59 694.25 Td (has ) Tj ET Q q 0 0 0 rg BT 82.07 694.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 115.88 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 122.47 694.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 141.83 694.25 Td (under ) Tj ET Q q 0 0 0 rg BT 166.75 694.25 Td (which ) Tj ET Q q 0 0 0 rg BT 193.34 694.25 Td (it ) Tj ET Q q 0 0 0 rg BT 201.05 694.25 Td (will ) Tj ET Q q 0 0 0 rg BT 218.76 694.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 240.34 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.71 694.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 291.86 694.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 332.90 694.25 Td (DRR ) Tj ET Q q 0 0 0 rg BT 355.61 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.09 694.25 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 394.07 694.25 Td (by ) Tj ET Q q 0 0 0 rg BT 406.22 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.59 694.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 457.74 694.25 Td (deadline ) Tj ET Q q 0 0 0 rg BT 493.76 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 504.24 694.25 Td (September30, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (2020. ) Tj ET Q q 0 0 0 rg BT 75.08 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 93.40 682.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 144.44 682.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 161.66 682.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 196.64 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 211.63 682.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 237.19 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.75 682.25 Td (of) Tj ET Q q 0 0 0 rg BT 255.90 682.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 273.11 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.10 682.25 Td (ef) Tj ET Q q 0 0 0 rg BT 295.69 682.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 313.45 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 324.56 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 339.55 682.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 375.08 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 385.63 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.63 682.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 438.40 682.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 480.07 682.25 Td (DRR ) Tj ET Q q 0 0 0 rg BT 503.40 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 513.96 682.25 Td (1.35% ) Tj ET Q q 0 0 0 rg BT 542.56 682.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 63.97 670.25 Td (former ) Tj ET Q q 0 0 0 rg BT 92.94 670.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 129.69 670.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 170.34 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.43 670.25 Td (1.15% ) Tj ET Q q 0 0 0 rg BT 208.02 670.25 Td (on ) Tj ET Q q 0 0 0 rg BT 219.78 670.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 265.99 670.25 Td (with ) Tj ET Q q 0 0 0 rg BT 285.52 670.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 310.61 670.25 Td (less ) Tj ET Q q 0 0 0 rg BT 327.37 670.25 Td (than ) Tj ET Q q 0 0 0 rg BT 346.34 670.25 Td ($10 ) Tj ET Q q 0 0 0 rg BT 363.10 670.25 Td (billion. ) Tj ET Q q 0 0 0 rg BT 395.84 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 413.15 670.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 437.69 670.25 Td (has ) Tj ET Q q 0 0 0 rg BT 452.78 670.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 486.19 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 492.39 670.25 Td (rule ) Tj ET Q q 0 0 0 rg BT 509.69 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 519.23 670.25 Td (implement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (this ) Tj ET Q q 0 0 0 rg BT 66.95 658.25 Td (of) Tj ET Q q 0 0 0 rg BT 75.10 658.25 Td (fset, ) Tj ET Q q 0 0 0 rg BT 94.54 658.25 Td (under ) Tj ET Q q 0 0 0 rg BT 119.80 658.25 Td (which ) Tj ET Q q 0 0 0 rg BT 146.74 658.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 193.70 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 213.97 658.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 239.80 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.63 658.25 Td ($10 ) Tj ET Q q 0 0 0 rg BT 268.13 658.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 296.75 658.25 Td (or ) Tj ET Q q 0 0 0 rg BT 307.58 658.25 Td (more ) Tj ET Q q 0 0 0 rg BT 330.63 658.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 347.56 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 354.50 658.25 Td (temporary ) Tj ET Q q 0 0 0 rg BT 398.10 658.25 Td (surchar) Tj ET Q q 0 0 0 rg BT 427.34 658.25 Td (ge.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 88.34 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 98.35 634.25 Td (inter) Tj ET Q q 0 0 0 rg BT 118.71 634.25 Td (est ) Tj ET Q q 0 0 0 rg BT 132.04 634.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 154.81 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 174.80 634.25 Td (r) Tj ET Q q 0 0 0 rg BT 179.06 634.25 Td (educe ) Tj ET Q q 0 0 0 rg BT 205.17 634.25 Td (our) Tj ET Q q 0 0 0 rg BT 219.98 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 221.65 634.25 Td (net ) Tj ET Q q 0 0 0 rg BT 236.65 634.25 Td (inter) Tj ET Q q 0 0 0 rg BT 257.01 634.25 Td (est ) Tj ET Q q 0 0 0 rg BT 270.34 634.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 305.05 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 322.84 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 342.84 634.25 Td (r) Tj ET Q q 0 0 0 rg BT 347.10 634.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 368.76 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 378.77 634.25 Td (higher) Tj ET Q q 0 0 0 rg BT 406.37 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 408.03 634.25 Td (defaults ) Tj ET Q q 0 0 0 rg BT 443.59 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 453.60 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 460.27 634.25 Td (rising ) Tj ET Q q 0 0 0 rg BT 486.38 634.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 505.25 634.25 Td (envir) Tj ET Q q 0 0 0 rg BT 527.29 634.25 Td (onment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.68 610.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 120.36 610.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 160.26 610.25 Td (results ) Tj ET Q q 0 0 0 rg BT 188.50 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 202.84 610.25 Td (lar) Tj ET Q q 0 0 0 rg BT 213.20 610.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 232.55 610.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 275.78 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 287.91 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 303.38 610.25 Td (net ) Tj ET Q q 0 0 0 rg BT 317.72 610.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 349.29 610.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 383.36 610.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 399.93 610.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 431.50 610.25 Td (income ) Tj ET Q q 0 0 0 rg BT 463.06 610.25 Td (is ) Tj ET Q q 0 0 0 rg BT 471.86 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.21 610.25 Td (dif) Tj ET Q q 0 0 0 rg BT 497.14 610.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 528.69 610.25 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.70 598.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 110.61 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 122.87 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.25 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.95 598.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 212.99 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.69 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 261.39 598.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 295.86 598.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 331.44 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 343.71 598.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 378.75 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.45 598.25 Td (other ) Tj ET Q q 0 0 0 rg BT 418.26 598.25 Td (borrowings. ) Tj ET Q q 0 0 0 rg BT 468.58 598.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 486.40 598.25 Td (net ) Tj ET Q q 0 0 0 rg BT 500.88 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 598.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (is ) Tj ET Q q 0 0 0 rg BT 59.16 586.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 98.29 586.25 Td (by ) Tj ET Q q 0 0 0 rg BT 110.78 586.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 145.47 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 155.73 586.25 Td (market ) Tj ET Q q 0 0 0 rg BT 185.98 586.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 207.34 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.16 586.25 Td (interest, ) Tj ET Q q 0 0 0 rg BT 252.58 586.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 287.27 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 297.53 586.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 322.78 586.25 Td (spreads, ) Tj ET Q q 0 0 0 rg BT 357.76 586.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 392.45 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 402.71 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.42 586.25 Td (shape ) Tj ET Q q 0 0 0 rg BT 442.67 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 453.49 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 468.19 586.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 490.67 586.25 Td (curve, ) Tj ET Q q 0 0 0 rg BT 517.86 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 586.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.84 574.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 111.81 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.00 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 139.18 574.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 165.37 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.66 574.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 225.23 574.25 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 279.18 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 292.04 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 308.22 574.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 332.19 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.48 574.25 Td (investments, ) Tj ET Q q 0 0 0 rg BT 402.61 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 419.90 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.98 574.25 Td (mix ) Tj ET Q q 0 0 0 rg BT 453.39 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 464.57 574.25 Td (our ) Tj ET Q q 0 0 0 rg BT 480.76 574.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 514.72 574.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 547.57 574.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 78.33 562.25 Td (among ) Tj ET Q q 0 0 0 rg BT 108.05 562.25 Td (other ) Tj ET Q q 0 0 0 rg BT 131.09 562.25 Td (things.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.50 538.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 98.89 538.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 130.83 538.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 156.11 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.50 538.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 203.89 538.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 235.83 538.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 275.00 538.25 Td (may ) Tj ET Q q 0 0 0 rg BT 294.17 538.25 Td (react ) Tj ET Q q 0 0 0 rg BT 315.55 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 325.28 538.25 Td (dif) Tj ET Q q 0 0 0 rg BT 336.21 538.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 361.47 538.25 Td (degrees ) Tj ET Q q 0 0 0 rg BT 393.96 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.70 538.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 437.86 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 447.59 538.25 Td (market ) Tj ET Q q 0 0 0 rg BT 477.30 538.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 508.69 538.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 532.02 538.25 Td (Interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 71.61 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 84.35 526.25 Td (some ) Tj ET Q q 0 0 0 rg BT 108.19 526.25 Td (types ) Tj ET Q q 0 0 0 rg BT 132.04 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.10 526.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 169.17 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.34 526.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 226.30 526.25 Td (may ) Tj ET Q q 0 0 0 rg BT 246.25 526.25 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 283.96 526.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 306.14 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 316.65 526.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 351.60 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 362.11 526.25 Td (broader ) Tj ET Q q 0 0 0 rg BT 395.38 526.25 Td (market ) Tj ET Q q 0 0 0 rg BT 425.88 526.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 458.05 526.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 482.17 526.25 Td (while ) Tj ET Q q 0 0 0 rg BT 507.12 526.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 528.73 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 541.47 526.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (types ) Tj ET Q q 0 0 0 rg BT 74.39 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 94.89 514.25 Td (lag ) Tj ET Q q 0 0 0 rg BT 110.39 514.25 Td (behind. ) Tj ET Q q 0 0 0 rg BT 143.15 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 161.98 514.25 Td (result ) Tj ET Q q 0 0 0 rg BT 187.48 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.09 514.25 Td (these ) Tj ET Q q 0 0 0 rg BT 222.92 514.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 258.41 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 269.47 514.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 291.63 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 312.13 514.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 337.62 514.25 Td (dif) Tj ET Q q 0 0 0 rg BT 348.55 514.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 375.71 514.25 Td (spreads ) Tj ET Q q 0 0 0 rg BT 408.98 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 422.27 514.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 454.98 514.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 488.25 514.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 514.86 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.58 514.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 82.27 502.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 124.11 502.25 Td (While ) Tj ET Q q 0 0 0 rg BT 150.83 502.25 Td (we ) Tj ET Q q 0 0 0 rg BT 164.78 502.25 Td (take ) Tj ET Q q 0 0 0 rg BT 183.72 502.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 223.22 502.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 259.94 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.01 502.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 303.39 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 317.89 502.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 339.07 502.25 Td (from ) Tj ET Q q 0 0 0 rg BT 360.80 502.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 395.29 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 405.36 502.25 Td (market ) Tj ET Q q 0 0 0 rg BT 435.41 502.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 467.13 502.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 490.79 502.25 Td (we ) Tj ET Q q 0 0 0 rg BT 504.74 502.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 533.68 502.25 Td (control ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 490.25 Td (accurately ) Tj ET Q q 0 0 0 rg BT 104.41 490.25 Td (predict ) Tj ET Q q 0 0 0 rg BT 134.67 490.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 169.38 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 179.66 490.25 Td (market ) Tj ET Q q 0 0 0 rg BT 209.92 490.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 231.30 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 242.13 490.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 274.06 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 284.89 490.25 Td (be ) Tj ET Q q 0 0 0 rg BT 296.83 490.25 Td (sure ) Tj ET Q q 0 0 0 rg BT 315.99 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 331.82 490.25 Td (protective ) Tj ET Q q 0 0 0 rg BT 374.30 490.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 414.01 490.25 Td (are ) Tj ET Q q 0 0 0 rg BT 428.72 490.25 Td (adequate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (If ) Tj ET Q q 0 0 0 rg BT 58.93 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 73.42 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 105.13 466.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 126.28 466.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 145.77 466.25 Td (on ) Tj ET Q q 0 0 0 rg BT 158.04 466.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 193.09 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.80 466.25 Td (other ) Tj ET Q q 0 0 0 rg BT 232.62 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 264.33 466.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 296.59 466.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 336.08 466.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 371.11 466.25 Td (at ) Tj ET Q q 0 0 0 rg BT 380.60 466.25 Td (a ) Tj ET Q q 0 0 0 rg BT 387.31 466.25 Td (faster ) Tj ET Q q 0 0 0 rg BT 411.79 466.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 429.05 466.25 Td (than ) Tj ET Q q 0 0 0 rg BT 448.54 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.02 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 494.73 466.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 515.88 466.25 Td (received ) Tj ET Q q 0 0 0 rg BT 552.02 466.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.89 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.12 454.25 Td (other ) Tj ET Q q 0 0 0 rg BT 114.45 454.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 146.67 454.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 179.44 454.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 208.06 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 224.17 454.25 Td (net ) Tj ET Q q 0 0 0 rg BT 239.17 454.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 271.39 454.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 306.11 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 323.34 454.25 Td (therefore ) Tj ET Q q 0 0 0 rg BT 362.21 454.25 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 401.37 454.25 Td (could ) Tj ET Q q 0 0 0 rg BT 426.37 454.25 Td (be ) Tj ET Q q 0 0 0 rg BT 438.60 454.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 479.70 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 487.29 454.25 Td (fected.) Tj ET Q q 0 0 0 rg BT 518.66 454.25 Td (As ) Tj ET Q q 0 0 0 rg BT 532.56 454.25 Td (a ) Tj ET Q q 0 0 0 rg BT 539.78 454.25 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.69 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.27 442.25 Td (relatively ) Tj ET Q q 0 0 0 rg BT 115.39 442.25 Td (low ) Tj ET Q q 0 0 0 rg BT 132.75 442.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 164.54 442.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 181.88 442.25 Td (environment, ) Tj ET Q q 0 0 0 rg BT 237.29 442.25 Td (an ) Tj ET Q q 0 0 0 rg BT 249.08 442.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 292.54 442.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 338.20 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 348.89 442.25 Td (our ) Tj ET Q q 0 0 0 rg BT 364.58 442.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 399.72 442.25 Td (have ) Tj ET Q q 0 0 0 rg BT 420.95 442.25 Td (been ) Tj ET Q q 0 0 0 rg BT 442.19 442.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 486.21 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 496.90 442.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 532.03 442.25 Td (bearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (no ) Tj ET Q q 0 0 0 rg BT 63.32 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 74.96 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 82.72 430.25 Td (relatively ) Tj ET Q q 0 0 0 rg BT 123.79 430.25 Td (low ) Tj ET Q q 0 0 0 rg BT 142.11 430.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 160.41 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.06 430.25 Td (interest. ) Tj ET Q q 0 0 0 rg BT 207.31 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 210.39 430.25 Td (W) Tj ET Q q 0 0 0 rg BT 219.03 430.25 Td (e ) Tj ET Q q 0 0 0 rg BT 226.78 430.25 Td (would ) Tj ET Q q 0 0 0 rg BT 255.10 430.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 278.96 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 286.72 430.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 315.58 430.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 335.01 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 346.65 430.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 372.19 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 383.29 430.25 Td (retain ) Tj ET Q q 0 0 0 rg BT 409.37 430.25 Td (these ) Tj ET Q q 0 0 0 rg BT 433.23 430.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 469.33 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.42 430.25 Td (a ) Tj ET Q q 0 0 0 rg BT 488.18 430.25 Td (rising ) Tj ET Q q 0 0 0 rg BT 514.27 430.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 430.25 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (environment. ) Tj ET Q q 0 0 0 rg BT 105.82 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 108.59 418.25 Td (In ) Tj ET Q q 0 0 0 rg BT 119.69 418.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 157.74 418.25 Td (a ) Tj ET Q q 0 0 0 rg BT 164.95 418.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 210.50 418.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 242.16 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.26 418.25 Td (our ) Tj ET Q q 0 0 0 rg BT 269.37 418.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 293.25 418.25 Td (\(approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.11 418.25 Td (60%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.44 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 378.21 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.32 418.25 Td (our ) Tj ET Q q 0 0 0 rg BT 405.42 418.25 Td (total ) Tj ET Q q 0 0 0 rg BT 425.97 418.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 445.96 418.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 483.73 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 494.83 418.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 418.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 406.25 Td (\) ) Tj ET Q q 0 0 0 rg BT 75.78 406.25 Td (have ) Tj ET Q q 0 0 0 rg BT 97.10 406.25 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 140.10 406.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 171.98 406.25 Td (rates.) Tj ET Q q 0 0 0 rg BT 198.17 406.25 Td (While ) Tj ET Q q 0 0 0 rg BT 225.06 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.72 406.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 267.72 406.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 304.60 406.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 340.94 406.25 Td (we ) Tj ET Q q 0 0 0 rg BT 355.04 406.25 Td (would ) Tj ET Q q 0 0 0 rg BT 382.49 406.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 413.80 406.25 Td (on ) Tj ET Q q 0 0 0 rg BT 426.25 406.25 Td (these ) Tj ET Q q 0 0 0 rg BT 449.25 406.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.81 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 483.03 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 489.92 406.25 Td (rising ) Tj ET Q q 0 0 0 rg BT 515.15 406.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.03 406.25 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 102.74 394.25 Td (may ) Tj ET Q q 0 0 0 rg BT 122.16 394.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 157.11 394.25 Td (our ) Tj ET Q q 0 0 0 rg BT 172.64 394.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 204.27 394.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 238.40 394.25 Td (some ) Tj ET Q q 0 0 0 rg BT 261.71 394.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 304.45 394.25 Td (may ) Tj ET Q q 0 0 0 rg BT 323.87 394.25 Td (be ) Tj ET Q q 0 0 0 rg BT 335.50 394.25 Td (unable ) Tj ET Q q 0 0 0 rg BT 364.36 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.33 394.25 Td (af) Tj ET Q q 0 0 0 rg BT 381.92 394.25 Td (ford ) Tj ET Q q 0 0 0 rg BT 400.78 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 415.20 394.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 442.94 394.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 479.57 394.25 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 518.16 394.25 Td (which ) Tj ET Q q 0 0 0 rg BT 544.80 394.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (result ) Tj ET Q q 0 0 0 rg BT 74.42 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 84.41 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.05 382.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 118.80 382.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 136.00 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.53 382.25 Td (default. ) Tj ET Q q 0 0 0 rg BT 179.00 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 180.72 382.25 Td (A) Tj ET Q q 0 0 0 rg BT 187.39 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.60 382.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 220.69 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.23 382.25 Td (our ) Tj ET Q q 0 0 0 rg BT 246.76 382.25 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 289.51 382.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 306.70 382.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 330.02 382.25 Td (have ) Tj ET Q q 0 0 0 rg BT 351.10 382.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 382.74 382.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 399.93 382.25 Td (floors ) Tj ET Q q 0 0 0 rg BT 425.47 382.25 Td (that ) Tj ET Q q 0 0 0 rg BT 442.67 382.25 Td (are ) Tj ET Q q 0 0 0 rg BT 457.08 382.25 Td (in-the-money ) Tj ET Q q 0 0 0 rg BT 513.16 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 382.25 Td (may ) Tj ET Q q 0 0 0 rg BT 549.23 382.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (adjust ) Tj ET Q q 0 0 0 rg BT 76.76 370.25 Td (upward ) Tj ET Q q 0 0 0 rg BT 109.62 370.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 162.48 370.25 Td (with ) Tj ET Q q 0 0 0 rg BT 183.13 370.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 222.65 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 233.30 370.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 265.61 370.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 289.86 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 292.73 370.25 Td (Rising ) Tj ET Q q 0 0 0 rg BT 321.72 370.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 354.02 370.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 375.77 370.25 Td (also ) Tj ET Q q 0 0 0 rg BT 394.76 370.25 Td (may ) Tj ET Q q 0 0 0 rg BT 414.84 370.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 444.36 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 459.45 370.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 493.98 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 508.51 370.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 532.49 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 370.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (value ) Tj ET Q q 0 0 0 rg BT 74.16 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 84.99 358.25 Td (our ) Tj ET Q q 0 0 0 rg BT 100.82 358.25 Td (fixed-rate ) Tj ET Q q 0 0 0 rg BT 142.18 358.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 188.56 358.25 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 334.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.55 334.25 Td (pursue ) Tj ET Q q 0 0 0 rg BT 96.67 334.25 Td (a ) Tj ET Q q 0 0 0 rg BT 103.33 334.25 Td (strategy ) Tj ET Q q 0 0 0 rg BT 139.42 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.42 334.25 Td (supplementing ) Tj ET Q q 0 0 0 rg BT 213.88 334.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 249.43 334.25 Td (gr) Tj ET Q q 0 0 0 rg BT 258.68 334.25 Td (owth ) Tj ET Q q 0 0 0 rg BT 281.46 334.25 Td (by ) Tj ET Q q 0 0 0 rg BT 293.69 334.25 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 336.47 334.25 Td (other) Tj ET Q q 0 0 0 rg BT 359.06 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 360.72 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 399.61 334.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 446.28 334.25 Td (or) Tj ET Q q 0 0 0 rg BT 455.53 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 457.20 334.25 Td (their) Tj ET Q q 0 0 0 rg BT 477.56 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 479.23 334.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 505.34 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.12 334.25 Td (liabilities ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (that ) Tj ET Q q 0 0 0 rg BT 69.91 322.25 Td (we ) Tj ET Q q 0 0 0 rg BT 84.25 322.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 116.37 322.25 Td (will ) Tj ET Q q 0 0 0 rg BT 134.61 322.25 Td (help ) Tj ET Q q 0 0 0 rg BT 155.63 322.25 Td (us ) Tj ET Q q 0 0 0 rg BT 167.77 322.25 Td (fulfill ) Tj ET Q q 0 0 0 rg BT 193.79 322.25 Td (our) Tj ET Q q 0 0 0 rg BT 208.61 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 211.30 322.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 250.63 322.25 Td (objectives ) Tj ET Q q 0 0 0 rg BT 295.52 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.33 322.25 Td (enhance ) Tj ET Q q 0 0 0 rg BT 352.01 322.25 Td (our) Tj ET Q q 0 0 0 rg BT 366.83 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 369.51 322.25 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 411.17 322.25 Td (Ther) Tj ET Q q 0 0 0 rg BT 432.10 322.25 Td (e ) Tj ET Q q 0 0 0 rg BT 439.22 322.25 Td (ar) Tj ET Q q 0 0 0 rg BT 448.48 322.25 Td (e ) Tj ET Q q 0 0 0 rg BT 455.61 322.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 478.85 322.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 524.87 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 546.44 322.25 Td (this ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (strategy) Tj ET Q q 0 0 0 rg BT 83.88 310.25 Td (, ) Tj ET Q q 0 0 0 rg BT 88.88 310.25 Td (including ) Tj ET Q q 0 0 0 rg BT 131.40 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.23 310.25 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 286.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 286.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 286.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.27 286.25 Td (may ) Tj ET Q q 0 0 0 rg BT 120.67 286.25 Td (be ) Tj ET Q q 0 0 0 rg BT 132.30 286.25 Td (exposed ) Tj ET Q q 0 0 0 rg BT 167.26 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.22 286.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 214.40 286.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 236.03 286.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 265.99 286.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 292.07 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 302.59 286.25 Td (unknown ) Tj ET Q q 0 0 0 rg BT 342.00 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 352.52 286.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 396.92 286.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 436.33 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.85 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.25 286.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 489.27 286.25 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 536.18 286.25 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 101.92 274.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 140.62 274.25 Td (we ) Tj ET Q q 0 0 0 rg BT 153.77 274.25 Td (acquire. ) Tj ET Q q 0 0 0 rg BT 187.18 274.25 Td (If ) Tj ET Q q 0 0 0 rg BT 195.32 274.25 Td (these ) Tj ET Q q 0 0 0 rg BT 217.35 274.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 242.73 274.25 Td (or ) Tj ET Q q 0 0 0 rg BT 252.54 274.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 291.24 274.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 320.48 274.25 Td (our ) Tj ET Q q 0 0 0 rg BT 335.30 274.25 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 376.49 274.25 Td (our ) Tj ET Q q 0 0 0 rg BT 391.31 274.25 Td (results ) Tj ET Q q 0 0 0 rg BT 418.90 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.71 274.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 471.85 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.78 274.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.24 274.25 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 262.25 Td (may ) Tj ET Q q 0 0 0 rg BT 105.72 262.25 Td (be ) Tj ET Q q 0 0 0 rg BT 117.66 262.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 160.69 262.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 204.84 262.25 Td (af) Tj ET Q q 0 0 0 rg BT 212.43 262.25 Td (fected;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 250.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 250.25 Td (Prices ) Tj ET Q q 0 0 0 rg BT 113.58 250.25 Td (at ) Tj ET Q q 0 0 0 rg BT 123.93 250.25 Td (which ) Tj ET Q q 0 0 0 rg BT 151.51 250.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 202.43 250.25 Td (can ) Tj ET Q q 0 0 0 rg BT 219.44 250.25 Td (be ) Tj ET Q q 0 0 0 rg BT 232.02 250.25 Td (made ) Tj ET Q q 0 0 0 rg BT 256.82 250.25 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 294.94 250.25 Td (with ) Tj ET Q q 0 0 0 rg BT 315.85 250.25 Td (market ) Tj ET Q q 0 0 0 rg BT 346.76 250.25 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 393.83 250.25 Td (W) Tj ET Q q 0 0 0 rg BT 402.47 250.25 Td (e ) Tj ET Q q 0 0 0 rg BT 410.05 250.25 Td (have ) Tj ET Q q 0 0 0 rg BT 432.07 250.25 Td (experienced ) Tj ET Q q 0 0 0 rg BT 483.51 250.25 Td (times ) Tj ET Q q 0 0 0 rg BT 508.31 250.25 Td (during ) Tj ET Q q 0 0 0 rg BT 537.56 250.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 238.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 135.85 238.25 Td (could ) Tj ET Q q 0 0 0 rg BT 160.14 238.25 Td (not ) Tj ET Q q 0 0 0 rg BT 174.99 238.25 Td (be ) Tj ET Q q 0 0 0 rg BT 186.50 238.25 Td (made ) Tj ET Q q 0 0 0 rg BT 210.23 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 220.08 238.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 253.24 238.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 286.97 238.25 Td (at ) Tj ET Q q 0 0 0 rg BT 296.26 238.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 322.21 238.25 Td (we ) Tj ET Q q 0 0 0 rg BT 335.94 238.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 381.33 238.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 425.59 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 442.10 238.25 Td (expect ) Tj ET Q q 0 0 0 rg BT 470.27 238.25 Td (that ) Tj ET Q q 0 0 0 rg BT 487.34 238.25 Td (we ) Tj ET Q q 0 0 0 rg BT 501.07 238.25 Td (will ) Tj ET Q q 0 0 0 rg BT 518.70 238.25 Td (experience ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 226.25 Td (this ) Tj ET Q q 0 0 0 rg BT 102.95 226.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 143.22 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 153.50 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.22 226.25 Td (future;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 214.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 214.25 Td (The ) Tj ET Q q 0 0 0 rg BT 103.34 214.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 149.01 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 159.13 214.25 Td (other ) Tj ET Q q 0 0 0 rg BT 181.47 214.25 Td (entities ) Tj ET Q q 0 0 0 rg BT 212.14 214.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 251.14 214.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 285.13 214.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 330.25 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 340.37 214.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 376.33 214.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 421.99 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 438.21 214.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 478.88 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 489.00 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 503.01 214.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 539.23 214.25 Td (entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 202.25 Td (into ) Tj ET Q q 0 0 0 rg BT 104.81 202.25 Td (our ) Tj ET Q q 0 0 0 rg BT 121.40 202.25 Td (company ) Tj ET Q q 0 0 0 rg BT 161.32 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.35 202.25 Td (make ) Tj ET Q q 0 0 0 rg BT 197.27 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.74 202.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 259.87 202.25 Td (economically ) Tj ET Q q 0 0 0 rg BT 317.00 202.25 Td (successful. ) Tj ET Q q 0 0 0 rg BT 363.62 202.25 Td (This ) Tj ET Q q 0 0 0 rg BT 384.66 202.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 431.23 202.25 Td (process ) Tj ET Q q 0 0 0 rg BT 464.48 202.25 Td (is ) Tj ET Q q 0 0 0 rg BT 474.41 202.25 Td (complicated ) Tj ET Q q 0 0 0 rg BT 526.54 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 544.23 202.25 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 190.25 Td (consuming ) Tj ET Q q 0 0 0 rg BT 131.66 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 147.87 190.25 Td (can ) Tj ET Q q 0 0 0 rg BT 163.51 190.25 Td (also ) Tj ET Q q 0 0 0 rg BT 181.39 190.25 Td (be ) Tj ET Q q 0 0 0 rg BT 192.60 190.25 Td (disruptive ) Tj ET Q q 0 0 0 rg BT 234.36 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.91 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 257.90 190.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 300.22 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 310.32 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 324.30 190.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 360.50 190.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 398.66 190.25 Td (If ) Tj ET Q q 0 0 0 rg BT 407.09 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 421.08 190.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 466.17 190.25 Td (process ) Tj ET Q q 0 0 0 rg BT 497.93 190.25 Td (is ) Tj ET Q q 0 0 0 rg BT 506.37 190.25 Td (not ) Tj ET Q q 0 0 0 rg BT 520.91 190.25 Td (conducted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 178.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 138.24 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.04 178.25 Td (with ) Tj ET Q q 0 0 0 rg BT 177.18 178.25 Td (minimal ) Tj ET Q q 0 0 0 rg BT 213.88 178.25 Td (ef) Tj ET Q q 0 0 0 rg BT 221.46 178.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 239.81 178.25 Td (on ) Tj ET Q q 0 0 0 rg BT 253.18 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 268.76 178.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 306.54 178.25 Td (business ) Tj ET Q q 0 0 0 rg BT 343.80 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.60 178.25 Td (its ) Tj ET Q q 0 0 0 rg BT 374.41 178.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 420.82 178.25 Td (we ) Tj ET Q q 0 0 0 rg BT 435.85 178.25 Td (may ) Tj ET Q q 0 0 0 rg BT 456.43 178.25 Td (not ) Tj ET Q q 0 0 0 rg BT 472.57 178.25 Td (realize ) Tj ET Q q 0 0 0 rg BT 502.57 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.15 178.25 Td (anticipated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 166.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 127.57 166.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 161.92 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 172.94 166.25 Td (particular ) Tj ET Q q 0 0 0 rg BT 213.95 166.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 264.41 166.25 Td (within ) Tj ET Q q 0 0 0 rg BT 292.66 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.58 166.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 345.80 166.25 Td (time ) Tj ET Q q 0 0 0 rg BT 366.27 166.25 Td (frame, ) Tj ET Q q 0 0 0 rg BT 394.78 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.91 166.25 Td (we ) Tj ET Q q 0 0 0 rg BT 426.27 166.25 Td (may ) Tj ET Q q 0 0 0 rg BT 446.18 166.25 Td (lose ) Tj ET Q q 0 0 0 rg BT 464.98 166.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 508.22 166.25 Td (or ) Tj ET Q q 0 0 0 rg BT 519.25 166.25 Td (employees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.40 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.69 154.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 147.18 154.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 185.49 154.25 Td (W) Tj ET Q q 0 0 0 rg BT 194.13 154.25 Td (e ) Tj ET Q q 0 0 0 rg BT 200.64 154.25 Td (may ) Tj ET Q q 0 0 0 rg BT 219.93 154.25 Td (also ) Tj ET Q q 0 0 0 rg BT 238.11 154.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 283.48 154.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 313.30 154.25 Td (than ) Tj ET Q q 0 0 0 rg BT 332.59 154.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 378.53 154.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 417.25 154.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 443.21 154.25 Td (even ) Tj ET Q q 0 0 0 rg BT 464.16 154.25 Td (if ) Tj ET Q q 0 0 0 rg BT 472.34 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.63 154.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 532.02 154.25 Td (process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 142.25 Td (is ) Tj ET Q q 0 0 0 rg BT 95.17 142.25 Td (successful;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 130.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 130.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 130.25 Td (o ) Tj ET Q q 0 0 0 rg BT 99.41 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.62 130.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 142.05 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 158.38 130.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 181.38 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 192.70 130.25 Td (an ) Tj ET Q q 0 0 0 rg BT 205.14 130.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 252.02 130.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 282.77 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.98 130.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 314.86 130.25 Td (value ) Tj ET Q q 0 0 0 rg BT 339.51 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.84 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 366.05 130.25 Td (net ) Tj ET Q q 0 0 0 rg BT 381.26 130.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 407.59 130.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 447.51 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.73 130.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 509.60 130.25 Td (will ) Tj ET Q q 0 0 0 rg BT 528.16 130.25 Td (generate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 118.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 128.20 118.25 Td (As ) Tj ET Q q 0 0 0 rg BT 141.41 118.25 Td (discussed ) Tj ET Q q 0 0 0 rg BT 181.85 118.25 Td (below) Tj ET Q q 0 0 0 rg BT 205.64 118.25 Td (, ) Tj ET Q q 0 0 0 rg BT 210.24 118.25 Td (we ) Tj ET Q q 0 0 0 rg BT 224.01 118.25 Td (are ) Tj ET Q q 0 0 0 rg BT 238.32 118.25 Td (required ) Tj ET Q q 0 0 0 rg BT 273.74 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 283.62 118.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 310.17 118.25 Td (our ) Tj ET Q q 0 0 0 rg BT 325.60 118.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 363.27 118.25 Td (for ) Tj ET Q q 0 0 0 rg BT 377.03 118.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 425.23 118.25 Td (at ) Tj ET Q q 0 0 0 rg BT 434.55 118.25 Td (least ) Tj ET Q q 0 0 0 rg BT 454.98 118.25 Td (annually) Tj ET Q q 0 0 0 rg BT 488.77 118.25 Td (, ) Tj ET Q q 0 0 0 rg BT 493.37 118.25 Td (and ) Tj ET Q q 0 0 0 rg BT 509.92 118.25 Td (any ) Tj ET Q q 0 0 0 rg BT 526.46 118.25 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 106.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 134.60 106.25 Td (char) Tj ET Q q 0 0 0 rg BT 151.63 106.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 163.56 106.25 Td (could ) Tj ET Q q 0 0 0 rg BT 188.28 106.25 Td (have ) Tj ET Q q 0 0 0 rg BT 209.66 106.25 Td (a ) Tj ET Q q 0 0 0 rg BT 216.60 106.25 Td (material ) Tj ET Q q 0 0 0 rg BT 251.85 106.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 284.89 106.25 Td (ef) Tj ET Q q 0 0 0 rg BT 292.48 106.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 309.96 106.25 Td (on ) Tj ET Q q 0 0 0 rg BT 322.46 106.25 Td (our ) Tj ET Q q 0 0 0 rg BT 338.29 106.25 Td (results ) Tj ET Q q 0 0 0 rg BT 366.90 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 377.73 106.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 421.89 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 438.83 106.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 476.31 106.25 Td (condition;) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 94.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 94.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.41 94.25 Td (o ) Tj ET Q q 0 0 0 rg BT 98.83 94.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 130.67 94.25 Td (an ) Tj ET Q q 0 0 0 rg BT 142.52 94.25 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 191.32 94.25 Td (we ) Tj ET Q q 0 0 0 rg BT 205.40 94.25 Td (may ) Tj ET Q q 0 0 0 rg BT 225.03 94.25 Td (borrow ) Tj ET Q q 0 0 0 rg BT 256.33 94.25 Td (funds, ) Tj ET Q q 0 0 0 rg BT 283.47 94.25 Td (thereby ) Tj ET Q q 0 0 0 rg BT 315.87 94.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 359.38 94.25 Td (our ) Tj ET Q q 0 0 0 rg BT 375.13 94.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 411.41 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.27 94.25 Td (diminishing ) Tj ET Q q 0 0 0 rg BT 478.47 94.25 Td (our ) Tj ET Q q 0 0 0 rg BT 494.21 94.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 527.46 94.25 Td (, ) Tj ET Q q 0 0 0 rg BT 532.37 94.25 Td (or ) Tj ET Q q 0 0 0 rg BT 543.12 94.25 Td (raise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 82.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 128.49 82.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 160.14 82.25 Td (which ) Tj ET Q q 0 0 0 rg BT 187.08 82.25 Td (could ) Tj ET Q q 0 0 0 rg BT 211.80 82.25 Td (dilute ) Tj ET Q q 0 0 0 rg BT 237.07 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 251.79 82.25 Td (interests ) Tj ET Q q 0 0 0 rg BT 287.61 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.44 82.25 Td (our ) Tj ET Q q 0 0 0 rg BT 314.27 82.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 348.44 82.25 Td (stockholders; ) Tj ET Q q 0 0 0 rg BT 404.26 82.25 Td (and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 70.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 70.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 70.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.63 70.25 Td (have ) Tj ET Q q 0 0 0 rg BT 123.05 70.25 Td (completed ) Tj ET Q q 0 0 0 rg BT 167.25 70.25 Td (various ) Tj ET Q q 0 0 0 rg BT 199.24 70.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 249.56 70.25 Td (in ) Tj ET Q q 0 0 0 rg BT 259.89 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.65 70.25 Td (past ) Tj ET Q q 0 0 0 rg BT 293.31 70.25 Td (few ) Tj ET Q q 0 0 0 rg BT 310.85 70.25 Td (years ) Tj ET Q q 0 0 0 rg BT 334.50 70.25 Td (that ) Tj ET Q q 0 0 0 rg BT 352.04 70.25 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 392.34 70.25 Td (our ) Tj ET Q q 0 0 0 rg BT 408.22 70.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 425.76 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.63 70.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 472.33 70.25 Td (W) Tj ET Q q 0 0 0 rg BT 480.97 70.25 Td (e ) Tj ET Q q 0 0 0 rg BT 487.95 70.25 Td (may ) Tj ET Q q 0 0 0 rg BT 507.72 70.25 Td (not ) Tj ET Q q 0 0 0 rg BT 523.05 70.25 Td (be ) Tj ET Q q 0 0 0 rg BT 535.03 70.25 Td (able ) Tj ET Q q 0 0 0 rg BT 554.24 70.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 58.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 122.93 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 133.21 58.25 Td (sustain ) Tj ET Q q 0 0 0 rg BT 163.49 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 179.32 58.25 Td (past ) Tj ET Q q 0 0 0 rg BT 197.93 58.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 215.41 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 226.24 58.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 257.07 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 267.90 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 278.18 58.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 301.23 58.25 Td (at ) Tj ET Q q 0 0 0 rg BT 310.95 58.25 Td (all ) Tj ET Q q 0 0 0 rg BT 323.45 58.25 Td (in ) Tj ET Q q 0 0 0 rg BT 333.72 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.44 58.25 Td (future.) Tj ET Q endstream endobj 45 0 obj <> endobj 46 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (22) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.87 742.25 Td (American ) Tj ET Q q 0 0 0 rg BT 111.63 742.25 Td (Charter) Tj ET Q q 0 0 0 rg BT 145.87 742.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 157.42 742.25 Td (merger) Tj ET Q q 0 0 0 rg BT 188.32 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.87 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 209.74 742.25 Td (not ) Tj ET Q q 0 0 0 rg BT 225.18 742.25 Td (be ) Tj ET Q q 0 0 0 rg BT 236.73 742.25 Td (accr) Tj ET Q q 0 0 0 rg BT 254.86 742.25 Td (etive, ) Tj ET Q q 0 0 0 rg BT 278.89 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.56 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 316.44 742.25 Td (be ) Tj ET Q q 0 0 0 rg BT 327.98 742.25 Td (dilutive, ) Tj ET Q q 0 0 0 rg BT 364.25 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 374.13 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 388.95 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 390.49 742.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 428.71 742.25 Td (per) Tj ET Q q 0 0 0 rg BT 442.97 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 444.51 742.25 Td (shar) Tj ET Q q 0 0 0 rg BT 463.22 742.25 Td (e, ) Tj ET Q q 0 0 0 rg BT 471.71 742.25 Td (which ) Tj ET Q q 0 0 0 rg BT 498.81 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 518.69 742.25 Td (negatively ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 76.37 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.20 730.25 Td (market ) Tj ET Q q 0 0 0 rg BT 125.80 730.25 Td (price ) Tj ET Q q 0 0 0 rg BT 149.95 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.78 730.25 Td (our) Tj ET Q q 0 0 0 rg BT 175.60 730.25 Td ( ) Tj ET Q q 0 0 0 rg BT 178.10 730.25 Td (common ) Tj ET Q q 0 0 0 rg BT 217.26 730.25 Td (stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 86.04 706.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 113.75 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.81 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 140.86 706.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 164.69 706.25 Td (were ) Tj ET Q q 0 0 0 rg BT 186.84 706.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 214.57 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 225.07 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 239.41 706.25 Td (American ) Tj ET Q q 0 0 0 rg BT 281.56 706.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 323.70 706.25 Td (mer) Tj ET Q q 0 0 0 rg BT 339.07 706.25 Td (ger) Tj ET Q q 0 0 0 rg BT 351.44 706.25 Td (, ) Tj ET Q q 0 0 0 rg BT 356.66 706.25 Td (it ) Tj ET Q q 0 0 0 rg BT 364.94 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 374.34 706.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 409.84 706.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 430.06 706.25 Td (although ) Tj ET Q q 0 0 0 rg BT 467.78 706.25 Td (we ) Tj ET Q q 0 0 0 rg BT 482.16 706.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 520.98 706.25 Td (expect ) Tj ET Q q 0 0 0 rg BT 549.79 706.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 694.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 80.92 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 91.49 694.25 Td (be ) Tj ET Q q 0 0 0 rg BT 103.72 694.25 Td (accretive ) Tj ET Q q 0 0 0 rg BT 142.59 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.16 694.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 189.82 694.25 Td (per ) Tj ET Q q 0 0 0 rg BT 205.38 694.25 Td (share ) Tj ET Q q 0 0 0 rg BT 229.27 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 239.84 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.84 694.25 Td (first ) Tj ET Q q 0 0 0 rg BT 273.74 694.25 Td (full ) Tj ET Q q 0 0 0 rg BT 290.42 694.25 Td (year ) Tj ET Q q 0 0 0 rg BT 310.41 694.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 352.64 694.25 Td (one-time ) Tj ET Q q 0 0 0 rg BT 390.97 694.25 Td (char) Tj ET Q q 0 0 0 rg BT 408.00 694.25 Td (ges, ) Tj ET Q q 0 0 0 rg BT 426.62 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 441.62 694.25 Td (mer) Tj ET Q q 0 0 0 rg BT 456.99 694.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 472.55 694.25 Td (may ) Tj ET Q q 0 0 0 rg BT 492.55 694.25 Td (be ) Tj ET Q q 0 0 0 rg BT 504.78 694.25 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 538.12 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 548.69 694.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 86.30 682.25 Td (per ) Tj ET Q q 0 0 0 rg BT 101.49 682.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 127.51 682.25 Td (which ) Tj ET Q q 0 0 0 rg BT 154.38 682.25 Td (could ) Tj ET Q q 0 0 0 rg BT 179.02 682.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 223.09 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 230.68 682.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 248.09 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 262.73 682.25 Td (market ) Tj ET Q q 0 0 0 rg BT 292.91 682.25 Td (price ) Tj ET Q q 0 0 0 rg BT 315.32 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 326.08 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 341.83 682.25 Td (common ) Tj ET Q q 0 0 0 rg BT 379.25 682.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 405.28 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 407.53 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 425.50 682.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 466.78 682.25 Td (number ) Tj ET Q q 0 0 0 rg BT 499.75 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 510.51 682.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 537.92 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.67 682.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (common ) Tj ET Q q 0 0 0 rg BT 88.11 670.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 112.33 670.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 140.44 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.33 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.66 670.25 Td (mer) Tj ET Q q 0 0 0 rg BT 182.02 670.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 197.90 670.25 Td (was ) Tj ET Q q 0 0 0 rg BT 216.57 670.25 Td (approximately ) Tj ET Q q 0 0 0 rg BT 277.44 670.25 Td (9.7million. ) Tj ET Q q 0 0 0 rg BT 326.72 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 345.38 670.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 382.36 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 393.81 670.25 Td (these ) Tj ET Q q 0 0 0 rg BT 417.46 670.25 Td (new ) Tj ET Q q 0 0 0 rg BT 437.24 670.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 465.34 670.25 Td (could ) Tj ET Q q 0 0 0 rg BT 490.67 670.25 Td (have ) Tj ET Q q 0 0 0 rg BT 512.66 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.98 670.25 Td (ef) Tj ET Q q 0 0 0 rg BT 535.57 670.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 553.67 670.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (depressing ) Tj ET Q q 0 0 0 rg BT 95.27 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.99 658.25 Td (market ) Tj ET Q q 0 0 0 rg BT 140.25 658.25 Td (price ) Tj ET Q q 0 0 0 rg BT 162.73 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.56 658.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 201.05 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 211.88 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 227.71 658.25 Td (common ) Tj ET Q q 0 0 0 rg BT 265.21 658.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 288.82 658.25 Td (through ) Tj ET Q q 0 0 0 rg BT 322.43 658.25 Td (dilution ) Tj ET Q q 0 0 0 rg BT 356.04 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.87 658.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 403.25 658.25 Td (per ) Tj ET Q q 0 0 0 rg BT 418.52 658.25 Td (share ) Tj ET Q q 0 0 0 rg BT 442.11 658.25 Td (or ) Tj ET Q q 0 0 0 rg BT 452.94 658.25 Td (otherwise. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.06 634.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 97.05 634.25 Td (future ) Tj ET Q q 0 0 0 rg BT 122.66 634.25 Td (events ) Tj ET Q q 0 0 0 rg BT 149.93 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.09 634.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 209.48 634.25 Td (could ) Tj ET Q q 0 0 0 rg BT 233.42 634.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 267.90 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 281.84 634.25 Td (dilution ) Tj ET Q q 0 0 0 rg BT 314.68 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 331.40 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 339.80 634.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 377.62 634.25 Td (projected, ) Tj ET Q q 0 0 0 rg BT 419.04 634.25 Td (including ) Tj ET Q q 0 0 0 rg BT 458.54 634.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 490.80 634.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 524.74 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 534.24 634.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 97.04 622.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 139.90 622.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 186.65 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 203.96 622.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 250.15 622.25 Td (related ) Tj ET Q q 0 0 0 rg BT 280.22 622.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 303.10 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.41 622.25 Td (other ) Tj ET Q q 0 0 0 rg BT 343.83 622.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 373.91 622.25 Td (such ) Tj ET Q q 0 0 0 rg BT 395.11 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 406.31 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 421.40 622.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 450.37 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 461.02 622.25 Td (realize ) Tj ET Q q 0 0 0 rg BT 490.53 622.25 Td (some ) Tj ET Q q 0 0 0 rg BT 514.51 622.25 Td (or ) Tj ET Q q 0 0 0 rg BT 525.71 622.25 Td (all ) Tj ET Q q 0 0 0 rg BT 538.58 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 622.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 96.67 610.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 131.12 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 142.25 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.27 610.25 Td (mer) Tj ET Q q 0 0 0 rg BT 172.64 610.25 Td (ger) Tj ET Q q 0 0 0 rg BT 184.85 610.25 Td (. ) Tj ET Q q 0 0 0 rg BT 189.54 610.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 209.56 610.25 Td (dilution ) Tj ET Q q 0 0 0 rg BT 243.47 610.25 Td (of, ) Tj ET Q q 0 0 0 rg BT 257.10 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 268.23 610.25 Td (delay ) Tj ET Q q 0 0 0 rg BT 292.69 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 303.82 610.25 Td (any ) Tj ET Q q 0 0 0 rg BT 321.06 610.25 Td (accretion ) Tj ET Q q 0 0 0 rg BT 360.50 610.25 Td (to, ) Tj ET Q q 0 0 0 rg BT 373.58 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 389.71 610.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 426.38 610.25 Td (per ) Tj ET Q q 0 0 0 rg BT 441.95 610.25 Td (share ) Tj ET Q q 0 0 0 rg BT 465.85 610.25 Td (could ) Tj ET Q q 0 0 0 rg BT 490.87 610.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 515.88 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.89 610.25 Td (price ) Tj ET Q q 0 0 0 rg BT 553.68 610.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 598.25 Td (common ) Tj ET Q q 0 0 0 rg BT 103.33 598.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 126.93 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 137.21 598.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 168.58 598.25 Td (or ) Tj ET Q q 0 0 0 rg BT 179.41 598.25 Td (grow ) Tj ET Q q 0 0 0 rg BT 202.47 598.25 Td (at ) Tj ET Q q 0 0 0 rg BT 212.18 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 219.12 598.25 Td (reduced ) Tj ET Q q 0 0 0 rg BT 253.27 598.25 Td (rate. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 574.25 Td (e ) Tj ET Q q 0 0 0 rg BT 67.31 574.25 Td (have ) Tj ET Q q 0 0 0 rg BT 90.74 574.25 Td (incurr) Tj ET Q q 0 0 0 rg BT 117.77 574.25 Td (ed, ) Tj ET Q q 0 0 0 rg BT 133.70 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 153.25 574.25 Td (may ) Tj ET Q q 0 0 0 rg BT 175.00 574.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 215.10 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 226.85 574.25 Td (incur) Tj ET Q q 0 0 0 rg BT 248.71 574.25 Td (, ) Tj ET Q q 0 0 0 rg BT 254.64 574.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 302.51 574.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 354.27 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 373.82 574.25 Td (merger) Tj ET Q q 0 0 0 rg BT 404.53 574.25 Td (-r) Tj ET Q q 0 0 0 rg BT 412.12 574.25 Td (elated ) Tj ET Q q 0 0 0 rg BT 441.09 574.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 465.07 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 476.83 574.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 526.36 574.25 Td (with ) Tj ET Q q 0 0 0 rg BT 548.68 574.25 Td (the ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (American ) Tj ET Q q 0 0 0 rg BT 94.71 562.25 Td (Charter) Tj ET Q q 0 0 0 rg BT 128.96 562.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 141.46 562.25 Td (merger) Tj ET Q q 0 0 0 rg BT 171.62 562.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td () 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 58.64 538.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.82 538.25 Td (expect ) Tj ET Q q 0 0 0 rg BT 94.67 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 105.19 538.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 142.37 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 152.90 538.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 176.20 538.25 Td (a ) Tj ET Q q 0 0 0 rg BT 183.38 538.25 Td (number ) Tj ET Q q 0 0 0 rg BT 216.68 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.75 538.25 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 285.48 538.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 308.23 538.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 352.07 538.25 Td (with ) Tj ET Q q 0 0 0 rg BT 372.59 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.95 538.25 Td (American ) Tj ET Q q 0 0 0 rg BT 429.12 538.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 471.30 538.25 Td (mer) Tj ET Q q 0 0 0 rg BT 486.66 538.25 Td (ger) Tj ET Q q 0 0 0 rg BT 499.03 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 504.28 538.25 Td (combining ) Tj ET Q q 0 0 0 rg BT 549.80 538.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 95.22 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.11 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.89 526.25 Td (two ) Tj ET Q q 0 0 0 rg BT 141.45 526.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 187.77 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 205.77 526.25 Td (achieving ) Tj ET Q q 0 0 0 rg BT 248.20 526.25 Td (desired ) Tj ET Q q 0 0 0 rg BT 280.64 526.25 Td (syner) Tj ET Q q 0 0 0 rg BT 302.12 526.25 Td (gies. ) Tj ET Q q 0 0 0 rg BT 324.29 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 327.59 526.25 Td (These ) Tj ET Q q 0 0 0 rg BT 355.03 526.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 374.69 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.69 526.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 416.25 526.25 Td (have ) Tj ET Q q 0 0 0 rg BT 438.69 526.25 Td (been, ) Tj ET Q q 0 0 0 rg BT 463.63 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.63 526.25 Td (will ) Tj ET Q q 0 0 0 rg BT 500.75 526.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 538.74 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 550.08 526.25 Td (be, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (substantial. ) Tj ET Q q 0 0 0 rg BT 98.72 514.25 Td (For ) Tj ET Q q 0 0 0 rg BT 116.06 514.25 Td (example, ) Tj ET Q q 0 0 0 rg BT 155.89 514.25 Td (we ) Tj ET Q q 0 0 0 rg BT 171.00 514.25 Td (will ) Tj ET Q q 0 0 0 rg BT 190.00 514.25 Td (incur ) Tj ET Q q 0 0 0 rg BT 214.00 514.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 261.32 514.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 280.87 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.76 514.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 322.21 514.25 Td (related ) Tj ET Q q 0 0 0 rg BT 352.86 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 364.09 514.25 Td (formulating ) Tj ET Q q 0 0 0 rg BT 414.75 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 432.64 514.25 Td (implementing ) Tj ET Q q 0 0 0 rg BT 491.63 514.25 Td (integration ) Tj ET Q q 0 0 0 rg BT 538.40 514.25 Td (plans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (including ) Tj ET Q q 0 0 0 rg BT 90.10 502.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 126.85 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 143.61 502.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 177.60 502.25 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 233.81 502.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 256.13 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 272.89 502.25 Td (employment-related ) Tj ET Q q 0 0 0 rg BT 355.74 502.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 380.56 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 382.72 502.25 Td (W) Tj ET Q q 0 0 0 rg BT 391.36 502.25 Td (e ) Tj ET Q q 0 0 0 rg BT 398.12 502.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 434.87 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 444.98 502.25 Td (assess ) Tj ET Q q 0 0 0 rg BT 471.74 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 486.28 502.25 Td (magnitude ) Tj ET Q q 0 0 0 rg BT 530.82 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 541.47 502.25 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (costs, ) Tj ET Q q 0 0 0 rg BT 75.00 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.94 490.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 134.43 490.25 Td (unanticipated ) Tj ET Q q 0 0 0 rg BT 190.80 490.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 213.30 490.25 Td (may ) Tj ET Q q 0 0 0 rg BT 233.01 490.25 Td (be ) Tj ET Q q 0 0 0 rg BT 244.95 490.25 Td (incurred ) Tj ET Q q 0 0 0 rg BT 280.77 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.04 490.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 337.42 490.25 Td (with ) Tj ET Q q 0 0 0 rg BT 357.70 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.86 490.25 Td (American ) Tj ET Q q 0 0 0 rg BT 413.78 490.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 455.71 490.25 Td (mer) Tj ET Q q 0 0 0 rg BT 471.07 490.25 Td (ger) Tj ET Q q 0 0 0 rg BT 483.29 490.25 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 466.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.43 466.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 128.81 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 139.98 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 156.14 466.25 Td (loss-shar) Tj ET Q q 0 0 0 rg BT 193.75 466.25 Td (e ) Tj ET Q q 0 0 0 rg BT 201.01 466.25 Td (agr) Tj ET Q q 0 0 0 rg BT 215.27 466.25 Td (eements ) Tj ET Q q 0 0 0 rg BT 252.53 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 274.25 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 290.41 466.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 317.68 466.25 Td (r) Tj ET Q q 0 0 0 rg BT 321.94 466.25 Td (equir) Tj ET Q q 0 0 0 rg BT 344.54 466.25 Td (es ) Tj ET Q q 0 0 0 rg BT 355.70 466.25 Td (that ) Tj ET Q q 0 0 0 rg BT 375.75 466.25 Td (we ) Tj ET Q q 0 0 0 rg BT 390.24 466.25 Td (follow ) Tj ET Q q 0 0 0 rg BT 419.18 466.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 451.99 466.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 493.15 466.25 Td (pr) Tj ET Q q 0 0 0 rg BT 502.97 466.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 532.22 466.25 Td (es, ) Tj ET Q q 0 0 0 rg BT 545.88 466.25 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.83 454.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 92.76 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 103.59 454.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 136.07 454.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.81 454.25 Td (may ) Tj ET Q q 0 0 0 rg BT 181.64 454.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 212.45 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.28 454.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 268.54 454.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 302.71 454.25 Td (under) Tj ET Q q 0 0 0 rg BT 328.09 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 330.59 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.42 454.25 Td (loss-shar) Tj ET Q q 0 0 0 rg BT 384.02 454.25 Td (e ) Tj ET Q q 0 0 0 rg BT 390.96 454.25 Td (agr) Tj ET Q q 0 0 0 rg BT 405.21 454.25 Td (eements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 68.37 430.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 108.38 430.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 132.29 430.25 Td (entered ) Tj ET Q q 0 0 0 rg BT 164.52 430.25 Td (into ) Tj ET Q q 0 0 0 rg BT 182.88 430.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 225.68 430.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 274.01 430.25 Td (with ) Tj ET Q q 0 0 0 rg BT 294.60 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.62 430.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 335.21 430.25 Td (as ) Tj ET Q q 0 0 0 rg BT 346.34 430.25 Td (part ) Tj ET Q q 0 0 0 rg BT 364.69 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 375.82 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 390.85 430.25 Td (Heritage, ) Tj ET Q q 0 0 0 rg BT 430.57 430.25 Td (Benchmark, ) Tj ET Q q 0 0 0 rg BT 481.97 430.25 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 525.87 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 543.12 430.25 Td (New ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (Century ) Tj ET Q q 0 0 0 rg BT 83.87 418.25 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 135.67 418.25 Td (These ) Tj ET Q q 0 0 0 rg BT 161.20 418.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 202.84 418.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 250.02 418.25 Td (require ) Tj ET Q q 0 0 0 rg BT 279.99 418.25 Td (that ) Tj ET Q q 0 0 0 rg BT 296.64 418.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 313.85 418.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 352.72 418.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 375.48 418.25 Td (follow ) Tj ET Q q 0 0 0 rg BT 403.24 418.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 432.10 418.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 470.41 418.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 515.93 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 525.91 418.25 Td (specified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.37 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.18 406.25 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 123.84 406.25 Td (A) Tj ET Q q 0 0 0 rg BT 130.51 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 133.10 406.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 161.79 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.16 406.25 Td (follow ) Tj ET Q q 0 0 0 rg BT 200.86 406.25 Td (these ) Tj ET Q q 0 0 0 rg BT 224.00 406.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 270.45 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 281.38 406.25 Td (any ) Tj ET Q q 0 0 0 rg BT 298.41 406.25 Td (other ) Tj ET Q q 0 0 0 rg BT 321.54 406.25 Td (breach ) Tj ET Q q 0 0 0 rg BT 350.78 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.70 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 376.51 406.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 420.75 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 433.34 406.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 451.49 406.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 491.29 406.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 514.99 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 539.80 406.25 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.25 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.94 394.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 92.97 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 103.77 394.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 129.02 394.25 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 191.47 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 202.28 394.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 228.64 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 241.11 394.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 275.22 394.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.80 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.71 394.25 Td (other ) Tj ET Q q 0 0 0 rg BT 338.73 394.25 Td (real ) Tj ET Q q 0 0 0 rg BT 356.19 394.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 381.42 394.25 Td (owned, ) Tj ET Q q 0 0 0 rg BT 413.05 394.25 Td (which ) Tj ET Q q 0 0 0 rg BT 439.96 394.25 Td (could ) Tj ET Q q 0 0 0 rg BT 464.65 394.25 Td (have ) Tj ET Q q 0 0 0 rg BT 486.00 394.25 Td (a ) Tj ET Q q 0 0 0 rg BT 492.91 394.25 Td (material ) Tj ET Q q 0 0 0 rg BT 528.13 394.25 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 382.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.76 382.25 Td (on ) Tj ET Q q 0 0 0 rg BT 88.94 382.25 Td (our ) Tj ET Q q 0 0 0 rg BT 105.46 382.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 143.62 382.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 184.58 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.21 382.25 Td (results ) Tj ET Q q 0 0 0 rg BT 231.50 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 243.01 382.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 290.35 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 293.54 382.25 Td (In ) Tj ET Q q 0 0 0 rg BT 305.06 382.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 343.51 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.92 382.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 402.09 382.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 450.81 382.25 Td (protect ) Tj ET Q q 0 0 0 rg BT 481.76 382.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 500.50 382.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 540.90 382.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (against ) Tj ET Q q 0 0 0 rg BT 81.10 370.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 107.77 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 122.20 370.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 153.31 370.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 185.52 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.63 370.25 Td (time ) Tj ET Q q 0 0 0 rg BT 217.17 370.25 Td (\(generally ) Tj ET Q q 0 0 0 rg BT 260.48 370.25 Td (ten ) Tj ET Q q 0 0 0 rg BT 275.47 370.25 Td (years ) Tj ET Q q 0 0 0 rg BT 299.35 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 313.78 370.25 Td (single ) Tj ET Q q 0 0 0 rg BT 340.44 370.25 Td (family ) Tj ET Q q 0 0 0 rg BT 369.32 370.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 413.75 370.25 Td (real ) Tj ET Q q 0 0 0 rg BT 431.51 370.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 457.04 370.25 Td (\(consumer\) ) Tj ET Q q 0 0 0 rg BT 505.36 370.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 529.24 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 546.45 370.25 Td (five ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (years ) Tj ET Q q 0 0 0 rg BT 73.05 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 86.67 358.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 135.82 358.25 Td (loans\). ) Tj ET Q q 0 0 0 rg BT 164.71 358.25 Td ( ) Tj ET Q q 0 0 0 rg BT 166.53 358.25 Td (T) Tj ET Q q 0 0 0 rg BT 171.94 358.25 Td (o ) Tj ET Q q 0 0 0 rg BT 178.89 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.06 358.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 219.45 358.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 236.97 358.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 276.13 358.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 299.20 358.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 339.48 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 349.21 358.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 368.94 358.25 Td (any ) Tj ET Q q 0 0 0 rg BT 385.33 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 395.62 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.79 358.25 Td (covered ) Tj ET Q q 0 0 0 rg BT 443.39 358.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 466.45 358.25 Td (following ) Tj ET Q q 0 0 0 rg BT 507.29 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 358.25 Td (expiration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.25 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.39 346.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 117.40 346.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 159.31 346.25 Td (period, ) Tj ET Q q 0 0 0 rg BT 189.28 346.25 Td (it ) Tj ET Q q 0 0 0 rg BT 196.76 346.25 Td (will ) Tj ET Q q 0 0 0 rg BT 214.24 346.25 Td (absorb ) Tj ET Q q 0 0 0 rg BT 242.82 346.25 Td (100% ) Tj ET Q q 0 0 0 rg BT 268.07 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.32 346.25 Td (any ) Tj ET Q q 0 0 0 rg BT 294.68 346.25 Td (losses. ) Tj ET Q q 0 0 0 rg BT 322.99 346.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.78 346.25 Td (The ) Tj ET Q q 0 0 0 rg BT 342.24 346.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 391.36 346.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 410.50 346.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 452.41 346.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 499.87 346.25 Td (for ) Tj ET Q q 0 0 0 rg BT 513.45 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.59 346.25 Td (Heritage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 68.48 334.25 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 118.61 334.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 170.42 334.25 Td (expired ) Tj ET Q q 0 0 0 rg BT 204.44 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 216.26 334.25 Td (March ) Tj ET Q q 0 0 0 rg BT 246.40 334.25 Td (2014 ) Tj ET Q q 0 0 0 rg BT 270.44 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.92 334.25 Td (December ) Tj ET Q q 0 0 0 rg BT 334.04 334.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 360.58 334.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 408.24 334.25 Td (, ) Tj ET Q q 0 0 0 rg BT 414.78 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 433.26 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 449.52 334.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 500.75 334.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 522.01 334.25 Td (loss-share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 97.81 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 111.74 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 126.23 322.25 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 169.61 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.32 322.25 Td (New ) Tj ET Q q 0 0 0 rg BT 207.47 322.25 Td (Century ) Tj ET Q q 0 0 0 rg BT 241.97 322.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 292.00 322.25 Td (expired ) Tj ET Q q 0 0 0 rg BT 324.26 322.25 Td (in ) Tj ET Q q 0 0 0 rg BT 334.32 322.25 Td (June ) Tj ET Q q 0 0 0 rg BT 354.92 322.25 Td (2015. ) Tj ET Q q 0 0 0 rg BT 379.70 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 381.81 322.25 Td (The ) Tj ET Q q 0 0 0 rg BT 399.63 322.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 440.78 322.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 460.27 322.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 502.53 322.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 550.34 322.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.26 310.25 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 102.72 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 120.21 310.25 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 169.34 310.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 220.15 310.25 Td (will ) Tj ET Q q 0 0 0 rg BT 238.75 310.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 266.77 310.25 Td (in ) Tj ET Q q 0 0 0 rg BT 277.59 310.25 Td (March ) Tj ET Q q 0 0 0 rg BT 306.73 310.25 Td (2019 ) Tj ET Q q 0 0 0 rg BT 329.78 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 347.26 310.25 Td (December ) Tj ET Q q 0 0 0 rg BT 391.38 310.25 Td (2019, ) Tj ET Q q 0 0 0 rg BT 416.92 310.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 464.58 310.25 Td (, ) Tj ET Q q 0 0 0 rg BT 470.13 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.61 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 502.87 310.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 544.79 310.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 92.49 298.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 140.52 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 154.68 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 169.40 298.25 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 213.00 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 229.94 298.25 Td (New ) Tj ET Q q 0 0 0 rg BT 251.32 298.25 Td (Century ) Tj ET Q q 0 0 0 rg BT 286.04 298.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 336.30 298.25 Td (will ) Tj ET Q q 0 0 0 rg BT 354.36 298.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 381.84 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 392.12 298.25 Td (June ) Tj ET Q q 0 0 0 rg BT 412.95 298.25 Td (2020.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 274.25 Td (gr) Tj ET Q q 0 0 0 rg BT 79.35 274.25 Td (owth ) Tj ET Q q 0 0 0 rg BT 102.96 274.25 Td (or) Tj ET Q q 0 0 0 rg BT 112.22 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 114.72 274.25 Td (futur) Tj ET Q q 0 0 0 rg BT 136.76 274.25 Td (e ) Tj ET Q q 0 0 0 rg BT 143.70 274.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 170.09 274.25 Td (may ) Tj ET Q q 0 0 0 rg BT 190.91 274.25 Td (r) Tj ET Q q 0 0 0 rg BT 195.17 274.25 Td (equir) Tj ET Q q 0 0 0 rg BT 217.77 274.25 Td (e ) Tj ET Q q 0 0 0 rg BT 224.70 274.25 Td (us ) Tj ET Q q 0 0 0 rg BT 236.66 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.48 274.25 Td (raise ) Tj ET Q q 0 0 0 rg BT 270.53 274.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 316.37 274.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 347.76 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 358.60 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 374.42 274.25 Td (futur) Tj ET Q q 0 0 0 rg BT 396.46 274.25 Td (e, ) Tj ET Q q 0 0 0 rg BT 405.90 274.25 Td (but ) Tj ET Q q 0 0 0 rg BT 422.85 274.25 Td (that ) Tj ET Q q 0 0 0 rg BT 442.57 274.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 473.96 274.25 Td (may ) Tj ET Q q 0 0 0 rg BT 494.78 274.25 Td (not ) Tj ET Q q 0 0 0 rg BT 511.17 274.25 Td (be ) Tj ET Q q 0 0 0 rg BT 523.67 274.25 Td (available ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (when ) Tj ET Q q 0 0 0 rg BT 75.28 262.25 Td (it ) Tj ET Q q 0 0 0 rg BT 83.89 262.25 Td (is ) Tj ET Q q 0 0 0 rg BT 93.06 262.25 Td (needed ) Tj ET Q q 0 0 0 rg BT 125.56 262.25 Td (or) Tj ET Q q 0 0 0 rg BT 134.82 262.25 Td ( ) Tj ET Q q 0 0 0 rg BT 137.32 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.15 262.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 172.31 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.14 262.25 Td (that ) Tj ET Q q 0 0 0 rg BT 202.86 262.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 234.25 262.25 Td (may ) Tj ET Q q 0 0 0 rg BT 255.08 262.25 Td (be ) Tj ET Q q 0 0 0 rg BT 267.58 262.25 Td (very ) Tj ET Q q 0 0 0 rg BT 288.96 262.25 Td (high) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 307.86 262.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 238.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.61 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 80.35 238.25 Td (required ) Tj ET Q q 0 0 0 rg BT 116.20 238.25 Td (by ) Tj ET Q q 0 0 0 rg BT 128.74 238.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 172.36 238.25 Td (authorities ) Tj ET Q q 0 0 0 rg BT 217.11 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 227.42 238.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 264.95 238.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 303.01 238.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 328.87 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 339.74 238.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 368.92 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 379.23 238.25 Td (support ) Tj ET Q q 0 0 0 rg BT 411.77 238.25 Td (our ) Tj ET Q q 0 0 0 rg BT 427.63 238.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 474.14 238.25 Td (W) Tj ET Q q 0 0 0 rg BT 482.78 238.25 Td (e ) Tj ET Q q 0 0 0 rg BT 489.75 238.25 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 531.15 238.25 Td (that ) Tj ET Q q 0 0 0 rg BT 548.68 238.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.47 226.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 120.04 226.25 Td (will ) Tj ET Q q 0 0 0 rg BT 138.41 226.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 167.33 226.25 Td (our ) Tj ET Q q 0 0 0 rg BT 183.48 226.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 212.94 226.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 267.96 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 282.44 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.47 226.25 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 345.81 226.25 Td (future. ) Tj ET Q q 0 0 0 rg BT 374.79 226.25 Td (W) Tj ET Q q 0 0 0 rg BT 383.43 226.25 Td (e ) Tj ET Q q 0 0 0 rg BT 390.69 226.25 Td (may ) Tj ET Q q 0 0 0 rg BT 410.72 226.25 Td (at ) Tj ET Q q 0 0 0 rg BT 420.75 226.25 Td (some ) Tj ET Q q 0 0 0 rg BT 444.67 226.25 Td (point ) Tj ET Q q 0 0 0 rg BT 468.04 226.25 Td (need ) Tj ET Q q 0 0 0 rg BT 489.74 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 500.33 226.25 Td (raise ) Tj ET Q q 0 0 0 rg BT 522.02 226.25 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.48 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 90.10 214.25 Td (support ) Tj ET Q q 0 0 0 rg BT 122.93 214.25 Td (continued ) Tj ET Q q 0 0 0 rg BT 165.20 214.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 196.36 214.25 Td (or ) Tj ET Q q 0 0 0 rg BT 207.52 214.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 236.75 214.25 Td (both ) Tj ET Q q 0 0 0 rg BT 257.36 214.25 Td (internally ) Tj ET Q q 0 0 0 rg BT 298.51 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.79 214.25 Td (through ) Tj ET Q q 0 0 0 rg BT 349.73 214.25 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 402.21 214.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 422.26 214.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 451.75 214.25 Td (we ) Tj ET Q q 0 0 0 rg BT 466.24 214.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 494.07 214.25 Td (may ) Tj ET Q q 0 0 0 rg BT 514.12 214.25 Td (result ) Tj ET Q q 0 0 0 rg BT 539.17 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 214.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (dilution ) Tj ET Q q 0 0 0 rg BT 83.61 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.44 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.16 202.25 Td (interests ) Tj ET Q q 0 0 0 rg BT 144.99 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.82 202.25 Td (our ) Tj ET Q q 0 0 0 rg BT 171.65 202.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 205.81 202.25 Td (stockholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.17 178.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 96.34 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.73 178.25 Td (raise ) Tj ET Q q 0 0 0 rg BT 128.22 178.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 170.83 178.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 202.60 178.25 Td (if ) Tj ET Q q 0 0 0 rg BT 211.32 178.25 Td (needed, ) Tj ET Q q 0 0 0 rg BT 244.75 178.25 Td (will ) Tj ET Q q 0 0 0 rg BT 262.93 178.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 294.42 178.25 Td (on ) Tj ET Q q 0 0 0 rg BT 307.04 178.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 351.32 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 361.71 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 376.54 178.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 405.81 178.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 440.08 178.25 Td (at ) Tj ET Q q 0 0 0 rg BT 449.92 178.25 Td (that ) Tj ET Q q 0 0 0 rg BT 467.53 178.25 Td (time ) Tj ET Q q 0 0 0 rg BT 487.92 178.25 Td (\(which ) Tj ET Q q 0 0 0 rg BT 518.30 178.25 Td (are ) Tj ET Q q 0 0 0 rg BT 533.12 178.25 Td (outside ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.74 166.25 Td (control\) ) Tj ET Q q 0 0 0 rg BT 101.80 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 119.65 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 133.06 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 149.79 166.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.18 166.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 229.37 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.21 166.25 Td (performance. ) Tj ET Q q 0 0 0 rg BT 302.89 166.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 352.23 166.25 Td (, ) Tj ET Q q 0 0 0 rg BT 358.13 166.25 Td (we ) Tj ET Q q 0 0 0 rg BT 373.20 166.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 403.27 166.25 Td (make ) Tj ET Q q 0 0 0 rg BT 428.33 166.25 Td (assurances ) Tj ET Q q 0 0 0 rg BT 474.50 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 486.23 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 502.97 166.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 531.93 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 543.12 166.25 Td (raise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 92.33 154.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 121.31 154.25 Td (if ) Tj ET Q q 0 0 0 rg BT 129.76 154.25 Td (needed, ) Tj ET Q q 0 0 0 rg BT 162.91 154.25 Td (or ) Tj ET Q q 0 0 0 rg BT 173.57 154.25 Td (if ) Tj ET Q q 0 0 0 rg BT 182.02 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.57 154.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 221.12 154.25 Td (will ) Tj ET Q q 0 0 0 rg BT 239.01 154.25 Td (be ) Tj ET Q q 0 0 0 rg BT 250.79 154.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 295.31 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.42 154.25 Td (us. ) Tj ET Q q 0 0 0 rg BT 319.15 154.25 Td (If ) Tj ET Q q 0 0 0 rg BT 328.15 154.25 Td (we ) Tj ET Q q 0 0 0 rg BT 342.14 154.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 371.13 154.25 Td (raise ) Tj ET Q q 0 0 0 rg BT 392.34 154.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 434.67 154.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 463.66 154.25 Td (when ) Tj ET Q q 0 0 0 rg BT 487.65 154.25 Td (needed, ) Tj ET Q q 0 0 0 rg BT 520.80 154.25 Td (our ) Tj ET Q q 0 0 0 rg BT 536.47 154.25 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.70 142.25 Td (further ) Tj ET Q q 0 0 0 rg BT 88.83 142.25 Td (expand ) Tj ET Q q 0 0 0 rg BT 119.63 142.25 Td (our ) Tj ET Q q 0 0 0 rg BT 134.89 142.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 178.47 142.25 Td (through ) Tj ET Q q 0 0 0 rg BT 211.50 142.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 243.96 142.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 274.22 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 290.58 142.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 340.28 142.25 Td (could ) Tj ET Q q 0 0 0 rg BT 364.42 142.25 Td (be ) Tj ET Q q 0 0 0 rg BT 375.78 142.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 418.24 142.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 455.71 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.07 142.25 Td (our ) Tj ET Q q 0 0 0 rg BT 487.32 142.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.23 142.25 Td (condition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 130.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 103.33 130.25 Td (could ) Tj ET Q q 0 0 0 rg BT 128.05 130.25 Td (be ) Tj ET Q q 0 0 0 rg BT 139.99 130.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 183.02 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 199.96 130.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 244.11 130.25 Td (af) Tj ET Q q 0 0 0 rg BT 251.70 130.25 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td () Tj ET Q endstream endobj 47 0 obj <> endobj 48 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (23) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Conditions ) Tj ET Q q 0 0 0 rg BT 99.18 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 110.02 742.25 Td (the ) Tj ET Q q 0 0 0 rg BT 125.85 742.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 165.58 742.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 203.07 742.25 Td (may ) Tj ET Q q 0 0 0 rg BT 223.90 742.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 246.40 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 261.22 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 263.72 742.25 Td (access ) Tj ET Q q 0 0 0 rg BT 292.31 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 303.14 742.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 348.99 742.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 384.85 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 395.68 742.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 418.72 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 433.54 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 436.04 742.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 474.66 742.25 Td (needs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 89.86 718.25 Td (is ) Tj ET Q q 0 0 0 rg BT 99.17 718.25 Td (essential ) Tj ET Q q 0 0 0 rg BT 136.25 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 146.67 718.25 Td (our ) Tj ET Q q 0 0 0 rg BT 162.64 718.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 201.67 718.25 Td (as ) Tj ET Q q 0 0 0 rg BT 212.65 718.25 Td (we ) Tj ET Q q 0 0 0 rg BT 226.95 718.25 Td (must ) Tj ET Q q 0 0 0 rg BT 249.04 718.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 286.67 718.25 Td (suf) Tj ET Q q 0 0 0 rg BT 298.71 718.25 Td (ficient ) Tj ET Q q 0 0 0 rg BT 326.89 718.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 351.76 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 362.18 718.25 Td (respond ) Tj ET Q q 0 0 0 rg BT 396.48 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 406.90 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 421.76 718.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 447.17 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 458.14 718.25 Td (depositors ) Tj ET Q q 0 0 0 rg BT 501.89 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.97 718.25 Td (borrowers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (An ) Tj ET Q q 0 0 0 rg BT 64.76 706.25 Td (inability ) Tj ET Q q 0 0 0 rg BT 100.62 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 110.94 706.25 Td (raise ) Tj ET Q q 0 0 0 rg BT 132.35 706.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 157.11 706.25 Td (through ) Tj ET Q q 0 0 0 rg BT 190.75 706.25 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 228.56 706.25 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 279.15 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 293.90 706.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 311.99 706.25 Td (or ) Tj ET Q q 0 0 0 rg BT 322.85 706.25 Td (pledging ) Tj ET Q q 0 0 0 rg BT 360.38 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 371.25 706.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 410.98 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.85 706.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 445.49 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 462.47 706.25 Td (other ) Tj ET Q q 0 0 0 rg BT 485.55 706.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 511.41 706.25 Td (could ) Tj ET Q q 0 0 0 rg BT 536.17 706.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 706.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 95.31 694.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 131.73 694.25 Td (ef) Tj ET Q q 0 0 0 rg BT 139.31 694.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 156.84 694.25 Td (on ) Tj ET Q q 0 0 0 rg BT 169.38 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 185.25 694.25 Td (liquidity) Tj ET Q q 0 0 0 rg BT 218.49 694.25 Td (. ) Tj ET Q q 0 0 0 rg BT 223.53 694.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 241.63 694.25 Td (access ) Tj ET Q q 0 0 0 rg BT 269.70 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 280.02 694.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 313.67 694.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 346.20 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 356.52 694.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 392.95 694.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 431.02 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 441.34 694.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 473.30 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 489.18 694.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 527.81 694.25 Td (could ) Tj ET Q q 0 0 0 rg BT 552.57 694.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.77 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 99.99 682.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 129.43 682.25 Td (that ) Tj ET Q q 0 0 0 rg BT 146.65 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 154.23 682.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.45 682.25 Td (us ) Tj ET Q q 0 0 0 rg BT 182.56 682.25 Td (specifically ) Tj ET Q q 0 0 0 rg BT 230.88 682.25 Td (or ) Tj ET Q q 0 0 0 rg BT 241.43 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 255.88 682.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 293.08 682.25 Td (services ) Tj ET Q q 0 0 0 rg BT 327.51 682.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 362.52 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 372.52 682.25 Td (general. ) Tj ET Q q 0 0 0 rg BT 406.67 682.25 Td (Factors ) Tj ET Q q 0 0 0 rg BT 438.33 682.25 Td (that ) Tj ET Q q 0 0 0 rg BT 455.56 682.25 Td (could ) Tj ET Q q 0 0 0 rg BT 480.00 682.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 523.87 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 531.46 682.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 548.67 682.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (access ) Tj ET Q q 0 0 0 rg BT 77.70 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 87.65 670.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 123.71 670.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 155.87 670.25 Td (include ) Tj ET Q q 0 0 0 rg BT 187.47 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 194.07 670.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 230.65 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 240.60 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.98 670.25 Td (level ) Tj ET Q q 0 0 0 rg BT 276.58 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 287.08 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 302.58 670.25 Td (business ) Tj ET Q q 0 0 0 rg BT 338.63 670.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 370.79 670.25 Td (due ) Tj ET Q q 0 0 0 rg BT 387.40 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 397.34 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 403.95 670.25 Td (market ) Tj ET Q q 0 0 0 rg BT 433.88 670.25 Td (downturn ) Tj ET Q q 0 0 0 rg BT 474.38 670.25 Td (or ) Tj ET Q q 0 0 0 rg BT 484.87 670.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 520.91 670.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (action ) Tj ET Q q 0 0 0 rg BT 76.97 658.25 Td (against ) Tj ET Q q 0 0 0 rg BT 107.83 658.25 Td (us. ) Tj ET Q q 0 0 0 rg BT 121.75 658.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 139.83 658.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 167.92 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.23 658.25 Td (borrow ) Tj ET Q q 0 0 0 rg BT 209.65 658.25 Td (could ) Tj ET Q q 0 0 0 rg BT 234.40 658.25 Td (also ) Tj ET Q q 0 0 0 rg BT 253.04 658.25 Td (be ) Tj ET Q q 0 0 0 rg BT 265.01 658.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 303.08 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 315.62 658.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 345.36 658.25 Td (that ) Tj ET Q q 0 0 0 rg BT 362.89 658.25 Td (are ) Tj ET Q q 0 0 0 rg BT 377.63 658.25 Td (not ) Tj ET Q q 0 0 0 rg BT 392.94 658.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 426.57 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 436.88 658.25 Td (us, ) Tj ET Q q 0 0 0 rg BT 450.80 658.25 Td (such ) Tj ET Q q 0 0 0 rg BT 471.67 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 482.53 658.25 Td (severe ) Tj ET Q q 0 0 0 rg BT 510.60 658.25 Td (disruption ) Tj ET Q q 0 0 0 rg BT 553.69 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.48 646.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 103.71 646.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 138.63 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 150.22 646.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 187.35 646.25 Td (news ) Tj ET Q q 0 0 0 rg BT 211.16 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.85 646.25 Td (expectations ) Tj ET Q q 0 0 0 rg BT 282.09 646.25 Td (about ) Tj ET Q q 0 0 0 rg BT 307.57 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 323.04 646.25 Td (prospects ) Tj ET Q q 0 0 0 rg BT 364.07 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 378.99 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 394.46 646.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 432.70 646.25 Td (services ) Tj ET Q q 0 0 0 rg BT 468.17 646.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 504.20 646.25 Td (as ) Tj ET Q q 0 0 0 rg BT 515.79 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 523.49 646.25 Td (whole, ) Tj ET Q q 0 0 0 rg BT 553.69 646.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (evidenced ) Tj ET Q q 0 0 0 rg BT 93.03 634.25 Td (by ) Tj ET Q q 0 0 0 rg BT 105.53 634.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 132.46 634.25 Td (turmoil ) Tj ET Q q 0 0 0 rg BT 164.40 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 174.68 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.39 634.25 Td (domestic ) Tj ET Q q 0 0 0 rg BT 228.00 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.94 634.25 Td (worldwide ) Tj ET Q q 0 0 0 rg BT 290.21 634.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 315.47 634.25 Td (markets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 610.25 Td (wholesale ) Tj ET Q q 0 0 0 rg BT 113.71 610.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 149.56 610.25 Td (sour) Tj ET Q q 0 0 0 rg BT 168.27 610.25 Td (ces ) Tj ET Q q 0 0 0 rg BT 183.54 610.25 Td (may ) Tj ET Q q 0 0 0 rg BT 204.37 610.25 Td (pr) Tj ET Q q 0 0 0 rg BT 214.19 610.25 Td (ove ) Tj ET Q q 0 0 0 rg BT 231.13 610.25 Td (insufficient ) Tj ET Q q 0 0 0 rg BT 281.41 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 292.24 610.25 Td (r) Tj ET Q q 0 0 0 rg BT 296.49 610.25 Td (eplace ) Tj ET Q q 0 0 0 rg BT 325.65 610.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 362.60 610.25 Td (or) Tj ET Q q 0 0 0 rg BT 371.86 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 374.36 610.25 Td (support ) Tj ET Q q 0 0 0 rg BT 410.21 610.25 Td (our) Tj ET Q q 0 0 0 rg BT 425.02 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 427.52 610.25 Td (futur) Tj ET Q q 0 0 0 rg BT 449.57 610.25 Td (e ) Tj ET Q q 0 0 0 rg BT 456.50 610.25 Td (gr) Tj ET Q q 0 0 0 rg BT 465.76 610.25 Td (owth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.93 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 71.18 586.25 Td (part ) Tj ET Q q 0 0 0 rg BT 89.54 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 100.68 586.25 Td (our ) Tj ET Q q 0 0 0 rg BT 116.83 586.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 153.53 586.25 Td (management, ) Tj ET Q q 0 0 0 rg BT 209.94 586.25 Td (we ) Tj ET Q q 0 0 0 rg BT 224.41 586.25 Td (use ) Tj ET Q q 0 0 0 rg BT 240.56 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 247.81 586.25 Td (number ) Tj ET Q q 0 0 0 rg BT 281.17 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 292.31 586.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 326.23 586.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 359.04 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 369.63 586.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 405.22 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 415.81 586.25 Td (core ) Tj ET Q q 0 0 0 rg BT 435.83 586.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 467.53 586.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 498.68 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.93 586.25 Td (repayments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.25 574.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 110.05 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 121.19 574.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 145.10 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 162.35 574.25 Td (investments. ) Tj ET Q q 0 0 0 rg BT 215.23 574.25 Td (These ) Tj ET Q q 0 0 0 rg BT 241.92 574.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 274.72 574.25 Td (include ) Tj ET Q q 0 0 0 rg BT 306.96 574.25 Td (brokered ) Tj ET Q q 0 0 0 rg BT 345.30 574.25 Td (certificates ) Tj ET Q q 0 0 0 rg BT 391.97 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 403.11 574.25 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 437.31 574.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 483.42 574.25 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 534.26 574.25 Td (federal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 74.46 562.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 117.23 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 133.90 562.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 166.12 562.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 192.80 562.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 215.58 562.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 238.92 562.25 Td (advances. ) Tj ET Q q 0 0 0 rg BT 280.30 562.25 Td (Negative ) Tj ET Q q 0 0 0 rg BT 318.63 562.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 358.63 562.25 Td (results ) Tj ET Q q 0 0 0 rg BT 386.98 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 397.54 562.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 431.98 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 442.00 562.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 477.01 562.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 520.91 562.25 Td (could ) Tj ET Q q 0 0 0 rg BT 545.36 562.25 Td (lead ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.57 550.25 Td (an ) Tj ET Q q 0 0 0 rg BT 70.81 550.25 Td (inability ) Tj ET Q q 0 0 0 rg BT 105.93 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 115.50 550.25 Td (replace ) Tj ET Q q 0 0 0 rg BT 146.16 550.25 Td (these ) Tj ET Q q 0 0 0 rg BT 168.50 550.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 210.29 550.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 243.19 550.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 274.97 550.25 Td (at ) Tj ET Q q 0 0 0 rg BT 283.98 550.25 Td (maturity) Tj ET Q q 0 0 0 rg BT 317.22 550.25 Td (. ) Tj ET Q q 0 0 0 rg BT 321.51 550.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 338.86 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 375.63 550.25 Td (flexibility ) Tj ET Q q 0 0 0 rg BT 416.87 550.25 Td (could ) Tj ET Q q 0 0 0 rg BT 440.88 550.25 Td (be ) Tj ET Q q 0 0 0 rg BT 452.11 550.25 Td (constrained ) Tj ET Q q 0 0 0 rg BT 500.00 550.25 Td (if ) Tj ET Q q 0 0 0 rg BT 507.90 550.25 Td (we ) Tj ET Q q 0 0 0 rg BT 521.35 550.25 Td (are ) Tj ET Q q 0 0 0 rg BT 535.36 550.25 Td (unable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.61 538.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 98.44 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 114.60 538.25 Td (access ) Tj ET Q q 0 0 0 rg BT 142.97 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.59 538.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 187.53 538.25 Td (or ) Tj ET Q q 0 0 0 rg BT 198.69 538.25 Td (if ) Tj ET Q q 0 0 0 rg BT 207.64 538.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 246.00 538.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 286.60 538.25 Td (is ) Tj ET Q q 0 0 0 rg BT 296.11 538.25 Td (not ) Tj ET Q q 0 0 0 rg BT 311.72 538.25 Td (available ) Tj ET Q q 0 0 0 rg BT 350.64 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 361.25 538.25 Td (accommodate ) Tj ET Q q 0 0 0 rg BT 419.62 538.25 Td (future ) Tj ET Q q 0 0 0 rg BT 446.33 538.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 477.49 538.25 Td (at ) Tj ET Q q 0 0 0 rg BT 487.54 538.25 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 532.57 538.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (rates. ) Tj ET Q q 0 0 0 rg BT 73.92 526.25 Td (Finally) Tj ET Q q 0 0 0 rg BT 101.61 526.25 Td (, ) Tj ET Q q 0 0 0 rg BT 106.65 526.25 Td (if ) Tj ET Q q 0 0 0 rg BT 115.30 526.25 Td (we ) Tj ET Q q 0 0 0 rg BT 129.50 526.25 Td (are ) Tj ET Q q 0 0 0 rg BT 144.25 526.25 Td (required ) Tj ET Q q 0 0 0 rg BT 180.11 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 190.43 526.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 208.52 526.25 Td (more ) Tj ET Q q 0 0 0 rg BT 231.61 526.25 Td (heavily ) Tj ET Q q 0 0 0 rg BT 263.59 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 276.13 526.25 Td (more ) Tj ET Q q 0 0 0 rg BT 299.22 526.25 Td (expensive ) Tj ET Q q 0 0 0 rg BT 341.75 526.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 375.40 526.25 Td (sources ) Tj ET Q q 0 0 0 rg BT 407.93 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 418.26 526.25 Td (support ) Tj ET Q q 0 0 0 rg BT 450.80 526.25 Td (future ) Tj ET Q q 0 0 0 rg BT 477.22 526.25 Td (growth, ) Tj ET Q q 0 0 0 rg BT 510.59 526.25 Td (our ) Tj ET Q q 0 0 0 rg BT 526.46 526.25 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 70.81 514.25 Td (not ) Tj ET Q q 0 0 0 rg BT 87.18 514.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 123.53 514.25 Td (proportionately ) Tj ET Q q 0 0 0 rg BT 188.77 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 200.14 514.25 Td (cover ) Tj ET Q q 0 0 0 rg BT 225.94 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 242.86 514.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 268.96 514.25 Td (In ) Tj ET Q q 0 0 0 rg BT 280.88 514.25 Td (this ) Tj ET Q q 0 0 0 rg BT 298.92 514.25 Td (case, ) Tj ET Q q 0 0 0 rg BT 322.22 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 339.14 514.25 Td (results ) Tj ET Q q 0 0 0 rg BT 368.84 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 380.77 514.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 426.02 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.05 514.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 482.62 514.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 523.99 514.25 Td (would ) Tj ET Q q 0 0 0 rg BT 552.58 514.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 94.15 502.25 Td (af) Tj ET Q q 0 0 0 rg BT 101.74 502.25 Td (fected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.17 478.25 Td (soundness ) Tj ET Q q 0 0 0 rg BT 115.03 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.86 478.25 Td (other) Tj ET Q q 0 0 0 rg BT 148.45 478.25 Td ( ) Tj ET Q q 0 0 0 rg BT 150.95 478.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 190.67 478.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 240.97 478.25 Td (could ) Tj ET Q q 0 0 0 rg BT 266.81 478.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 312.63 478.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 339.00 478.25 Td (us.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 66.93 454.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 93.87 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 103.02 454.25 Td (engage ) Tj ET Q q 0 0 0 rg BT 132.72 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 141.88 454.25 Td (routine ) Tj ET Q q 0 0 0 rg BT 171.59 454.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 204.08 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.89 454.25 Td (other ) Tj ET Q q 0 0 0 rg BT 241.82 454.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 290.97 454.25 Td (could ) Tj ET Q q 0 0 0 rg BT 314.56 454.25 Td (be ) Tj ET Q q 0 0 0 rg BT 325.38 454.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 368.42 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 376.00 454.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 401.81 454.25 Td (by ) Tj ET Q q 0 0 0 rg BT 413.19 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.79 454.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 456.49 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.31 454.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 520.89 454.25 Td (soundness ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.76 442.25 Td (other ) Tj ET Q q 0 0 0 rg BT 83.74 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 121.15 442.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 170.54 442.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 210.18 442.25 Td (services ) Tj ET Q q 0 0 0 rg BT 244.82 442.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 291.70 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 306.34 442.25 Td (interrelated ) Tj ET Q q 0 0 0 rg BT 354.30 442.25 Td (as ) Tj ET Q q 0 0 0 rg BT 365.06 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 371.93 442.25 Td (result ) Tj ET Q q 0 0 0 rg BT 396.58 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.34 442.25 Td (trading, ) Tj ET Q q 0 0 0 rg BT 440.60 442.25 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 477.73 442.25 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 530.70 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 442.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (relationships. ) Tj ET Q q 0 0 0 rg BT 105.89 430.25 Td (Defaults ) Tj ET Q q 0 0 0 rg BT 142.05 430.25 Td (by) Tj ET Q q 0 0 0 rg BT 151.40 430.25 Td (, ) Tj ET Q q 0 0 0 rg BT 156.18 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 166.80 430.25 Td (even ) Tj ET Q q 0 0 0 rg BT 187.96 430.25 Td (rumors ) Tj ET Q q 0 0 0 rg BT 218.57 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 229.19 430.25 Td (questions ) Tj ET Q q 0 0 0 rg BT 269.25 430.25 Td (about, ) Tj ET Q q 0 0 0 rg BT 296.25 430.25 Td (one ) Tj ET Q q 0 0 0 rg BT 312.97 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 323.59 430.25 Td (more ) Tj ET Q q 0 0 0 rg BT 346.42 430.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 383.68 430.25 Td (services ) Tj ET Q q 0 0 0 rg BT 418.17 430.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 467.41 430.25 Td (or ) Tj ET Q q 0 0 0 rg BT 478.03 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 492.53 430.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 529.79 430.25 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 85.24 418.25 Td (generally) Tj ET Q q 0 0 0 rg BT 121.79 418.25 Td (, ) Tj ET Q q 0 0 0 rg BT 126.75 418.25 Td (have ) Tj ET Q q 0 0 0 rg BT 148.08 418.25 Td (led ) Tj ET Q q 0 0 0 rg BT 162.75 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 172.99 418.25 Td (market-wide ) Tj ET Q q 0 0 0 rg BT 225.98 418.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 262.33 418.25 Td (problems ) Tj ET Q q 0 0 0 rg BT 302.00 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.90 418.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 345.25 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.04 418.25 Td (depositor) Tj ET Q q 0 0 0 rg BT 392.85 418.25 Td (, ) Tj ET Q q 0 0 0 rg BT 397.81 418.25 Td (creditor ) Tj ET Q q 0 0 0 rg BT 431.36 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 448.26 418.25 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 501.25 418.25 Td (confidence ) Tj ET Q q 0 0 0 rg BT 547.57 418.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 74.83 406.25 Td (lead ) Tj ET Q q 0 0 0 rg BT 94.09 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 104.48 406.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 130.99 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 141.93 406.25 Td (defaults ) Tj ET Q q 0 0 0 rg BT 176.20 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 188.81 406.25 Td (us ) Tj ET Q q 0 0 0 rg BT 200.31 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 211.25 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 223.86 406.25 Td (other ) Tj ET Q q 0 0 0 rg BT 247.02 406.25 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 296.40 406.25 Td (W) Tj ET Q q 0 0 0 rg BT 305.03 406.25 Td (e ) Tj ET Q q 0 0 0 rg BT 312.08 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 336.91 406.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 382.82 406.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 422.08 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 432.47 406.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 467.86 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.91 406.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 510.85 406.25 Td (as ) Tj ET Q q 0 0 0 rg BT 521.79 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 528.84 406.25 Td (result ) Tj ET Q q 0 0 0 rg BT 553.67 406.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 394.25 Td (dif) Tj ET Q q 0 0 0 rg BT 75.64 394.25 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 110.36 394.25 Td (or ) Tj ET Q q 0 0 0 rg BT 121.19 394.25 Td (failures ) Tj ET Q q 0 0 0 rg BT 153.67 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 164.50 394.25 Td (other ) Tj ET Q q 0 0 0 rg BT 187.55 394.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 215.88 394.25 Td (which ) Tj ET Q q 0 0 0 rg BT 242.82 394.25 Td (would ) Tj ET Q q 0 0 0 rg BT 270.32 394.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 305.57 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 320.29 394.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 349.44 394.25 Td (we ) Tj ET Q q 0 0 0 rg BT 363.60 394.25 Td (need ) Tj ET Q q 0 0 0 rg BT 384.98 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 395.25 394.25 Td (support ) Tj ET Q q 0 0 0 rg BT 427.75 394.25 Td (our ) Tj ET Q q 0 0 0 rg BT 443.58 394.25 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (Non-compliance ) Tj ET Q q 0 0 0 rg BT 122.68 370.25 Td (with ) Tj ET Q q 0 0 0 rg BT 144.82 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.40 370.25 Td (USA) Tj ET Q q 0 0 0 rg BT 180.85 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 184.10 370.25 Td (P) Tj ET Q q 0 0 0 rg BT 189.46 370.25 Td (A) Tj ET Q q 0 0 0 rg BT 195.94 370.25 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 227.99 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.52 370.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 251.26 370.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 277.30 370.25 Td (Secr) Tj ET Q q 0 0 0 rg BT 296.00 370.25 Td (ecy ) Tj ET Q q 0 0 0 rg BT 312.40 370.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 333.14 370.25 Td (or) Tj ET Q q 0 0 0 rg BT 342.40 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.64 370.25 Td (other) Tj ET Q q 0 0 0 rg BT 368.23 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 371.48 370.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 393.61 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 412.98 370.25 Td (r) Tj ET Q q 0 0 0 rg BT 417.24 370.25 Td (egulations ) Tj ET Q q 0 0 0 rg BT 463.83 370.25 Td (could ) Tj ET Q q 0 0 0 rg BT 490.41 370.25 Td (r) Tj ET Q q 0 0 0 rg BT 494.67 370.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 517.92 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 529.50 370.25 Td (fines ) Tj ET Q q 0 0 0 rg BT 552.75 370.25 Td (or) Tj ET Q q 0 0 0 rg BT 562.01 370.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (sanctions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.67 334.25 Td (USA) Tj ET Q q 0 0 0 rg BT 88.13 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 91.25 334.25 Td (P) Tj ET Q q 0 0 0 rg BT 95.89 334.25 Td (A) Tj ET Q q 0 0 0 rg BT 102.01 334.25 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 131.26 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 134.39 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.95 334.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 176.19 334.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 210.27 334.25 Td (Acts ) Tj ET Q q 0 0 0 rg BT 231.72 334.25 Td (require ) Tj ET Q q 0 0 0 rg BT 263.16 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.27 334.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 348.85 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 359.75 334.25 Td (develop ) Tj ET Q q 0 0 0 rg BT 394.53 334.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 435.42 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.33 334.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 479.44 334.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.54 334.25 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.66 322.25 Td (being ) Tj ET Q q 0 0 0 rg BT 96.09 322.25 Td (used ) Tj ET Q q 0 0 0 rg BT 116.64 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 130.52 322.25 Td (money ) Tj ET Q q 0 0 0 rg BT 159.96 322.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 204.94 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 221.60 322.25 Td (terrorist ) Tj ET Q q 0 0 0 rg BT 255.47 322.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 296.29 322.25 Td (If ) Tj ET Q q 0 0 0 rg BT 305.17 322.25 Td (such ) Tj ET Q q 0 0 0 rg BT 325.72 322.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 364.04 322.25 Td (are ) Tj ET Q q 0 0 0 rg BT 378.46 322.25 Td (detected, ) Tj ET Q q 0 0 0 rg BT 416.49 322.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 453.69 322.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 500.37 322.25 Td (are ) Tj ET Q q 0 0 0 rg BT 514.79 322.25 Td (obligated ) Tj ET Q q 0 0 0 rg BT 554.22 322.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (file ) Tj ET Q q 0 0 0 rg BT 66.07 310.25 Td (Suspicious ) Tj ET Q q 0 0 0 rg BT 111.56 310.25 Td (Activity ) Tj ET Q q 0 0 0 rg BT 147.08 310.25 Td (Reports ) Tj ET Q q 0 0 0 rg BT 180.94 310.25 Td (with ) Tj ET Q q 0 0 0 rg BT 201.46 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 216.43 310.25 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 236.76 310.25 Td (T) Tj ET Q q 0 0 0 rg BT 242.52 310.25 Td (reasury) Tj ET Q q 0 0 0 rg BT 274.73 310.25 Td (s ) Tj ET Q q 0 0 0 rg BT 281.37 310.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 321.33 310.25 Td (Crimes ) Tj ET Q q 0 0 0 rg BT 352.96 310.25 Td (Enforcement ) Tj ET Q q 0 0 0 rg BT 407.35 310.25 Td (Network. ) Tj ET Q q 0 0 0 rg BT 447.39 310.25 Td (These ) Tj ET Q q 0 0 0 rg BT 474.02 310.25 Td (rulesrequire ) Tj ET Q q 0 0 0 rg BT 527.02 310.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.56 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.44 298.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 143.53 298.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 189.50 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 203.26 298.25 Td (identifying ) Tj ET Q q 0 0 0 rg BT 249.25 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 265.79 298.25 Td (verifying ) Tj ET Q q 0 0 0 rg BT 304.55 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 318.86 298.25 Td (identity ) Tj ET Q q 0 0 0 rg BT 351.52 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.95 298.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 404.60 298.25 Td (seeking ) Tj ET Q q 0 0 0 rg BT 437.25 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 447.13 298.25 Td (open ) Tj ET Q q 0 0 0 rg BT 468.67 298.25 Td (new ) Tj ET Q q 0 0 0 rg BT 487.43 298.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 524.51 298.25 Td (accounts. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 80.02 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 89.49 286.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 121.17 286.25 Td (with ) Tj ET Q q 0 0 0 rg BT 140.64 286.25 Td (these ) Tj ET Q q 0 0 0 rg BT 162.88 286.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 209.00 286.25 Td (could ) Tj ET Q q 0 0 0 rg BT 232.91 286.25 Td (result ) Tj ET Q q 0 0 0 rg BT 256.82 286.25 Td (in ) Tj ET Q q 0 0 0 rg BT 266.29 286.25 Td (fines ) Tj ET Q q 0 0 0 rg BT 287.42 286.25 Td (or ) Tj ET Q q 0 0 0 rg BT 297.44 286.25 Td (sanctions. ) Tj ET Q q 0 0 0 rg BT 338.85 286.25 Td (During ) Tj ET Q q 0 0 0 rg BT 368.87 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.77 286.25 Td (last ) Tj ET Q q 0 0 0 rg BT 398.35 286.25 Td (several ) Tj ET Q q 0 0 0 rg BT 428.36 286.25 Td (years, ) Tj ET Q q 0 0 0 rg BT 453.65 286.25 Td (several ) Tj ET Q q 0 0 0 rg BT 483.65 286.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 517.56 286.25 Td (institutions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (have ) Tj ET Q q 0 0 0 rg BT 70.49 274.25 Td (received ) Tj ET Q q 0 0 0 rg BT 105.97 274.25 Td (lar) Tj ET Q q 0 0 0 rg BT 116.34 274.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 127.39 274.25 Td (fines ) Tj ET Q q 0 0 0 rg BT 148.44 274.25 Td (for ) Tj ET Q q 0 0 0 rg BT 161.72 274.25 Td (non-compliance ) Tj ET Q q 0 0 0 rg BT 227.75 274.25 Td (with ) Tj ET Q q 0 0 0 rg BT 247.15 274.25 Td (these ) Tj ET Q q 0 0 0 rg BT 269.31 274.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 289.25 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.31 274.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 353.50 274.25 Td (Although ) Tj ET Q q 0 0 0 rg BT 392.89 274.25 Td (we ) Tj ET Q q 0 0 0 rg BT 406.17 274.25 Td (have ) Tj ET Q q 0 0 0 rg BT 426.66 274.25 Td (developed ) Tj ET Q q 0 0 0 rg BT 469.37 274.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 502.09 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.14 274.25 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (designed ) Tj ET Q q 0 0 0 rg BT 88.48 262.25 Td (to ) Tj ET Q q 0 0 0 rg BT 99.19 262.25 Td (assist ) Tj ET Q q 0 0 0 rg BT 123.80 262.25 Td (in ) Tj ET Q q 0 0 0 rg BT 134.51 262.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 183.54 262.25 Td (with ) Tj ET Q q 0 0 0 rg BT 204.25 262.25 Td (these ) Tj ET Q q 0 0 0 rg BT 227.73 262.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 248.99 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.37 262.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 316.24 262.25 Td (no ) Tj ET Q q 0 0 0 rg BT 329.17 262.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 370.97 262.25 Td (can ) Tj ET Q q 0 0 0 rg BT 387.78 262.25 Td (be ) Tj ET Q q 0 0 0 rg BT 400.16 262.25 Td (given ) Tj ET Q q 0 0 0 rg BT 425.31 262.25 Td (that ) Tj ET Q q 0 0 0 rg BT 443.24 262.25 Td (these ) Tj ET Q q 0 0 0 rg BT 466.72 262.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 500.76 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 518.13 262.25 Td (procedures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (will ) Tj ET Q q 0 0 0 rg BT 68.06 250.25 Td (be ) Tj ET Q q 0 0 0 rg BT 80.00 250.25 Td (ef) Tj ET Q q 0 0 0 rg BT 87.58 250.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 117.29 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 127.56 250.25 Td (preventing ) Tj ET Q q 0 0 0 rg BT 172.83 250.25 Td (violations ) Tj ET Q q 0 0 0 rg BT 214.77 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.60 250.25 Td (these ) Tj ET Q q 0 0 0 rg BT 248.65 250.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 269.48 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 286.42 250.25 Td (regulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 226.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.96 226.25 Td (pr) Tj ET Q q 0 0 0 rg BT 76.78 226.25 Td (ovide ) Tj ET Q q 0 0 0 rg BT 102.63 226.25 Td (tr) Tj ET Q q 0 0 0 rg BT 110.21 226.25 Td (easury ) Tj ET Q q 0 0 0 rg BT 141.61 226.25 Td (management ) Tj ET Q q 0 0 0 rg BT 199.67 226.25 Td (services ) Tj ET Q q 0 0 0 rg BT 236.06 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.46 226.25 Td (money ) Tj ET Q q 0 0 0 rg BT 278.86 226.25 Td (services ) Tj ET Q q 0 0 0 rg BT 315.25 226.25 Td (businesses, ) Tj ET Q q 0 0 0 rg BT 364.72 226.25 Td (which ) Tj ET Q q 0 0 0 rg BT 393.35 226.25 Td (include ) Tj ET Q q 0 0 0 rg BT 427.54 226.25 Td (check ) Tj ET Q q 0 0 0 rg BT 455.05 226.25 Td (cashers, ) Tj ET Q q 0 0 0 rg BT 492.28 226.25 Td (issuers/sellers ) Tj ET Q q 0 0 0 rg BT 553.68 226.25 Td (of ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (traveler) Tj ET Q q 0 0 0 rg BT 84.04 214.25 Td () Tj ET Q q 0 0 0 rg BT 87.00 214.25 Td (s ) Tj ET Q q 0 0 0 rg BT 93.81 214.25 Td (checks, ) Tj ET Q q 0 0 0 rg BT 127.55 214.25 Td (money ) Tj ET Q q 0 0 0 rg BT 158.80 214.25 Td (orders ) Tj ET Q q 0 0 0 rg BT 189.48 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.52 214.25 Td (stor) Tj ET Q q 0 0 0 rg BT 225.00 214.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 237.91 214.25 Td (value ) Tj ET Q q 0 0 0 rg BT 263.60 214.25 Td (cards, ) Tj ET Q q 0 0 0 rg BT 292.35 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 311.38 214.25 Td (money ) Tj ET Q q 0 0 0 rg BT 342.63 214.25 Td (transmitters. ) Tj ET Q q 0 0 0 rg BT 403.30 214.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 413.67 214.25 Td (oviding ) Tj ET Q q 0 0 0 rg BT 448.26 214.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 486.20 214.25 Td (services ) Tj ET Q q 0 0 0 rg BT 522.43 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 533.67 214.25 Td (money ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (service ) Tj ET Q q 0 0 0 rg BT 81.92 202.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 128.33 202.25 Td (exposes ) Tj ET Q q 0 0 0 rg BT 163.05 202.25 Td (us ) Tj ET Q q 0 0 0 rg BT 175.00 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 185.83 202.25 Td (enhanced ) Tj ET Q q 0 0 0 rg BT 228.90 202.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 251.96 202.25 Td (fr) Tj ET Q q 0 0 0 rg BT 259.55 202.25 Td (om ) Tj ET Q q 0 0 0 rg BT 275.38 202.25 Td (noncompliance ) Tj ET Q q 0 0 0 rg BT 342.32 202.25 Td (with ) Tj ET Q q 0 0 0 rg BT 363.72 202.25 Td (a ) Tj ET Q q 0 0 0 rg BT 371.22 202.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 403.70 202.25 Td (of ) Tj ET Q q 0 0 0 rg BT 414.53 202.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 435.92 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 454.55 202.25 Td (r) Tj ET Q q 0 0 0 rg BT 458.80 202.25 Td (egulations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 178.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.38 178.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 98.22 178.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 132.73 178.25 Td (management ) Tj ET Q q 0 0 0 rg BT 186.11 178.25 Td (services ) Tj ET Q q 0 0 0 rg BT 220.62 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 230.70 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.21 178.25 Td (check ) Tj ET Q q 0 0 0 rg BT 270.83 178.25 Td (cashing ) Tj ET Q q 0 0 0 rg BT 303.67 178.25 Td (industry) Tj ET Q q 0 0 0 rg BT 335.80 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 340.60 178.25 Td (of) Tj ET Q q 0 0 0 rg BT 348.75 178.25 Td (fering ) Tj ET Q q 0 0 0 rg BT 374.93 178.25 Td (currency) Tj ET Q q 0 0 0 rg BT 409.25 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 414.05 178.25 Td (check ) Tj ET Q q 0 0 0 rg BT 439.67 178.25 Td (clearing, ) Tj ET Q q 0 0 0 rg BT 476.67 178.25 Td (monetary ) Tj ET Q q 0 0 0 rg BT 516.73 178.25 Td (instrument, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (depository ) Tj ET Q q 0 0 0 rg BT 94.65 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.52 166.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 136.71 166.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 176.17 166.25 Td (W) Tj ET Q q 0 0 0 rg BT 184.81 166.25 Td (e ) Tj ET Q q 0 0 0 rg BT 191.68 166.25 Td (also ) Tj ET Q q 0 0 0 rg BT 210.22 166.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 243.20 166.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 277.83 166.25 Td (management ) Tj ET Q q 0 0 0 rg BT 331.35 166.25 Td (services ) Tj ET Q q 0 0 0 rg BT 365.99 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 376.20 166.25 Td (money ) Tj ET Q q 0 0 0 rg BT 405.85 166.25 Td (transmitters. ) Tj ET Q q 0 0 0 rg BT 460.49 166.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 500.13 166.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 547.02 166.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (open ) Tj ET Q q 0 0 0 rg BT 71.77 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 88.54 154.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 125.87 154.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 163.18 154.25 Td (for ) Tj ET Q q 0 0 0 rg BT 177.18 154.25 Td (money ) Tj ET Q q 0 0 0 rg BT 206.73 154.25 Td (services ) Tj ET Q q 0 0 0 rg BT 241.27 154.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 285.82 154.25 Td (are ) Tj ET Q q 0 0 0 rg BT 300.36 154.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 338.23 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.34 154.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 372.89 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.44 154.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 441.97 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 452.64 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.19 154.25 Td (USA) Tj ET Q q 0 0 0 rg BT 486.64 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 488.97 154.25 Td (P) Tj ET Q q 0 0 0 rg BT 493.62 154.25 Td (A) Tj ET Q q 0 0 0 rg BT 499.73 154.25 Td (TRIOT) Tj ET Q q 0 0 0 rg BT 528.99 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 530.81 154.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 547.58 154.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.36 142.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 106.75 142.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 125.94 142.25 Td (as ) Tj ET Q q 0 0 0 rg BT 136.52 142.25 Td (they ) Tj ET Q q 0 0 0 rg BT 155.98 142.25 Td (do ) Tj ET Q q 0 0 0 rg BT 168.23 142.25 Td (with ) Tj ET Q q 0 0 0 rg BT 188.25 142.25 Td (all ) Tj ET Q q 0 0 0 rg BT 200.50 142.25 Td (accountholders, ) Tj ET Q q 0 0 0 rg BT 265.78 142.25 Td (on ) Tj ET Q q 0 0 0 rg BT 278.02 142.25 Td (a ) Tj ET Q q 0 0 0 rg BT 284.71 142.25 Td (risk-assessed ) Tj ET Q q 0 0 0 rg BT 339.17 142.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 365.92 142.25 Td (As ) Tj ET Q q 0 0 0 rg BT 379.28 142.25 Td (with ) Tj ET Q q 0 0 0 rg BT 399.31 142.25 Td (any ) Tj ET Q q 0 0 0 rg BT 415.99 142.25 Td (category ) Tj ET Q q 0 0 0 rg BT 452.67 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.24 142.25 Td (accountholder) Tj ET Q q 0 0 0 rg BT 519.48 142.25 Td (, ) Tj ET Q q 0 0 0 rg BT 524.23 142.25 Td (there ) Tj ET Q q 0 0 0 rg BT 546.46 142.25 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (be ) Tj ET Q q 0 0 0 rg BT 61.77 130.25 Td (money ) Tj ET Q q 0 0 0 rg BT 91.31 130.25 Td (services ) Tj ET Q q 0 0 0 rg BT 125.85 130.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 170.40 130.25 Td (that ) Tj ET Q q 0 0 0 rg BT 187.72 130.25 Td (pose ) Tj ET Q q 0 0 0 rg BT 208.38 130.25 Td (little ) Tj ET Q q 0 0 0 rg BT 229.04 130.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 246.37 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.03 130.25 Td (money ) Tj ET Q q 0 0 0 rg BT 286.58 130.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 331.67 130.25 Td (or ) Tj ET Q q 0 0 0 rg BT 342.33 130.25 Td (lack ) Tj ET Q q 0 0 0 rg BT 361.31 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.97 130.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 420.39 130.25 Td (with ) Tj ET Q q 0 0 0 rg BT 440.50 130.25 Td (other ) Tj ET Q q 0 0 0 rg BT 463.37 130.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 484.03 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 500.80 130.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 547.56 130.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (those ) Tj ET Q q 0 0 0 rg BT 73.81 118.25 Td (that ) Tj ET Q q 0 0 0 rg BT 91.51 118.25 Td (pose ) Tj ET Q q 0 0 0 rg BT 112.54 118.25 Td (a ) Tj ET Q q 0 0 0 rg BT 119.68 118.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 164.60 118.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 187.30 118.25 Td (Providing ) Tj ET Q q 0 0 0 rg BT 229.45 118.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 264.36 118.25 Td (management ) Tj ET Q q 0 0 0 rg BT 318.15 118.25 Td (services ) Tj ET Q q 0 0 0 rg BT 353.06 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 363.54 118.25 Td (money ) Tj ET Q q 0 0 0 rg BT 393.46 118.25 Td (services ) Tj ET Q q 0 0 0 rg BT 428.37 118.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 473.30 118.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 512.64 118.25 Td (a ) Tj ET Q q 0 0 0 rg BT 519.79 118.25 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 99.65 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 117.65 106.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 162.30 106.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 183.37 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.36 106.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 231.02 106.25 Td (to ) Tj ET Q q 0 0 0 rg BT 242.36 106.25 Td (comply ) Tj ET Q q 0 0 0 rg BT 275.92 106.25 Td (with ) Tj ET Q q 0 0 0 rg BT 297.25 106.25 Td (all ) Tj ET Q q 0 0 0 rg BT 310.81 106.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 349.37 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 367.37 106.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 412.02 106.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 467.78 106.25 Td (could ) Tj ET Q q 0 0 0 rg BT 493.56 106.25 Td (result ) Tj ET Q q 0 0 0 rg BT 519.34 106.25 Td (in ) Tj ET Q q 0 0 0 rg BT 530.68 106.25 Td (fines ) Tj ET Q q 0 0 0 rg BT 553.68 106.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (sanctions.) Tj ET Q endstream endobj 49 0 obj <> endobj 50 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (24) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Pr) Tj ET Q q 0 0 0 rg BT 60.37 742.25 Td (epaid ) Tj ET Q q 0 0 0 rg BT 86.02 742.25 Td (card ) Tj ET Q q 0 0 0 rg BT 107.76 742.25 Td (pr) Tj ET Q q 0 0 0 rg BT 117.58 742.25 Td (oducts ) Tj ET Q q 0 0 0 rg BT 147.68 742.25 Td (and ) Tj ET Q q 0 0 0 rg BT 166.11 742.25 Td (services ) Tj ET Q q 0 0 0 rg BT 201.73 742.25 Td (ar) Tj ET Q q 0 0 0 rg BT 210.99 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 217.74 742.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 250.60 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 261.24 742.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 302.43 742.25 Td (r) Tj ET Q q 0 0 0 rg BT 306.68 742.25 Td (egulatory ) Tj ET Q q 0 0 0 rg BT 349.54 742.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 400.75 742.25 Td (that ) Tj ET Q q 0 0 0 rg BT 420.28 742.25 Td (cr) Tj ET Q q 0 0 0 rg BT 428.98 742.25 Td (eate ) Tj ET Q q 0 0 0 rg BT 448.50 742.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 495.25 742.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 545.89 742.25 Td (and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 93.61 730.25 Td (costs, ) Tj ET Q q 0 0 0 rg BT 119.16 730.25 Td (as ) Tj ET Q q 0 0 0 rg BT 130.55 730.25 Td (well ) Tj ET Q q 0 0 0 rg BT 150.27 730.25 Td (as ) Tj ET Q q 0 0 0 rg BT 161.66 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.49 730.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 196.66 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 207.49 730.25 Td (data ) Tj ET Q q 0 0 0 rg BT 228.88 730.25 Td (br) Tj ET Q q 0 0 0 rg BT 238.70 730.25 Td (eaches.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 706.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.86 706.25 Td (of) Tj ET Q q 0 0 0 rg BT 73.01 706.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 85.89 706.25 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 117.66 706.25 Td (gift ) Tj ET Q q 0 0 0 rg BT 133.33 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.55 706.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 187.99 706.25 Td (cards ) Tj ET Q q 0 0 0 rg BT 210.87 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 220.43 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 235.55 706.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 282.88 706.25 Td () Tj ET Q q 0 0 0 rg BT 284.82 706.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 334.73 706.25 Td (, ) Tj ET Q q 0 0 0 rg BT 339.01 706.25 Td (we ) Tj ET Q q 0 0 0 rg BT 352.45 706.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.78 706.25 Td (sponsorship ) Tj ET Q q 0 0 0 rg BT 434.35 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.57 706.25 Td (issuing ) Tj ET Q q 0 0 0 rg BT 480.70 706.25 Td (services ) Tj ET Q q 0 0 0 rg BT 514.69 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 524.25 706.25 Td (corporate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 79.15 694.25 Td (who ) Tj ET Q q 0 0 0 rg BT 99.42 694.25 Td (have ) Tj ET Q q 0 0 0 rg BT 121.34 694.25 Td (developed ) Tj ET Q q 0 0 0 rg BT 165.48 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 182.97 694.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 217.11 694.25 Td (their ) Tj ET Q q 0 0 0 rg BT 238.48 694.25 Td (own ) Tj ET Q q 0 0 0 rg BT 258.75 694.25 Td (card ) Tj ET Q q 0 0 0 rg BT 279.00 694.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 319.82 694.25 Td (for ) Tj ET Q q 0 0 0 rg BT 334.53 694.25 Td (their ) Tj ET Q q 0 0 0 rg BT 355.90 694.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 404.27 694.25 Td (Through ) Tj ET Q q 0 0 0 rg BT 441.76 694.25 Td (these ) Tj ET Q q 0 0 0 rg BT 465.35 694.25 Td (sponsorship ) Tj ET Q q 0 0 0 rg BT 516.18 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.67 694.25 Td (issuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 106.44 682.25 Td (we ) Tj ET Q q 0 0 0 rg BT 120.94 682.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 158.77 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.83 682.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 204.43 682.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 244.48 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.76 682.25 Td (control ) Tj ET Q q 0 0 0 rg BT 292.92 682.25 Td (responsibilities ) Tj ET Q q 0 0 0 rg BT 356.32 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 367.49 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.54 682.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 421.76 682.25 Td (while ) Tj ET Q q 0 0 0 rg BT 446.81 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 462.98 682.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 503.58 682.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 532.52 682.25 Td (take ) Tj ET Q q 0 0 0 rg BT 552.01 682.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (various ) Tj ET Q q 0 0 0 rg BT 81.97 670.25 Td (key ) Tj ET Q q 0 0 0 rg BT 98.93 670.25 Td (management ) Tj ET Q q 0 0 0 rg BT 152.55 670.25 Td (roles, ) Tj ET Q q 0 0 0 rg BT 177.02 670.25 Td (including ) Tj ET Q q 0 0 0 rg BT 217.32 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 232.06 670.25 Td (marketing, ) Tj ET Q q 0 0 0 rg BT 277.63 670.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 322.93 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 339.90 670.25 Td (distribution ) Tj ET Q q 0 0 0 rg BT 388.54 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 399.40 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 414.14 670.25 Td (cards. ) Tj ET Q q 0 0 0 rg BT 440.27 670.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 458.35 670.25 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 490.86 670.25 Td (card ) Tj ET Q q 0 0 0 rg BT 510.60 670.25 Td (products ) Tj ET Q q 0 0 0 rg BT 547.57 670.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.83 658.25 Td (involvement ) Tj ET Q q 0 0 0 rg BT 118.32 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 138.60 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.32 658.25 Td (card ) Tj ET Q q 0 0 0 rg BT 173.02 658.25 Td (programs ) Tj ET Q q 0 0 0 rg BT 213.29 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.12 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 239.95 658.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 280.21 658.25 Td (clients ) Tj ET Q q 0 0 0 rg BT 308.81 658.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 339.63 658.25 Td (us ) Tj ET Q q 0 0 0 rg BT 351.03 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 361.30 658.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 391.01 658.25 Td (risks. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Prepaid ) Tj ET Q q 0 0 0 rg BT 82.24 634.25 Td (cards ) Tj ET Q q 0 0 0 rg BT 105.03 634.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 136.14 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 145.61 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 151.74 634.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 178.99 634.25 Td (regulated ) Tj ET Q q 0 0 0 rg BT 217.88 634.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 270.11 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 286.24 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 300.14 634.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 330.16 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 339.63 634.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 379.08 634.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 426.88 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 443.01 634.25 Td (examination. ) Tj ET Q q 0 0 0 rg BT 499.13 634.25 Td () Tj ET Q q 0 0 0 rg BT 501.45 634.25 Td (This ) Tj ET Q q 0 0 0 rg BT 520.92 634.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (environment ) Tj ET Q q 0 0 0 rg BT 103.75 622.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 140.29 622.25 Td (an ) Tj ET Q q 0 0 0 rg BT 152.94 622.25 Td (expectation ) Tj ET Q q 0 0 0 rg BT 202.24 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 213.78 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 221.43 622.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 285.18 622.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 309.50 622.25 Td (Secrecy ) Tj ET Q q 0 0 0 rg BT 343.65 622.25 Td (Acts/anti-money ) Tj ET Q q 0 0 0 rg BT 413.51 622.25 Td (laundering ) Tj ET Q q 0 0 0 rg BT 459.49 622.25 Td (oversight ) Tj ET Q q 0 0 0 rg BT 499.91 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 517.56 622.25 Td (monitoring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (program, ) Tj ET Q q 0 0 0 rg BT 88.34 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 98.63 610.25 Td (well ) Tj ET Q q 0 0 0 rg BT 117.80 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 128.09 610.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 157.81 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 174.20 610.25 Td (state ) Tj ET Q q 0 0 0 rg BT 194.49 610.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 214.78 610.25 Td (addressing ) Tj ET Q q 0 0 0 rg BT 259.51 610.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 300.34 610.25 Td (protection, ) Tj ET Q q 0 0 0 rg BT 345.34 610.25 Td (escheatment, ) Tj ET Q q 0 0 0 rg BT 399.22 610.25 Td (privacy ) Tj ET Q q 0 0 0 rg BT 431.17 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 447.56 610.25 Td (data ) Tj ET Q q 0 0 0 rg BT 466.18 610.25 Td (protection. ) Tj ET Q q 0 0 0 rg BT 513.68 610.25 Td (Compliance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 598.25 Td (these ) Tj ET Q q 0 0 0 rg BT 93.33 598.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 114.16 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 131.09 598.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 178.03 598.25 Td (are ) Tj ET Q q 0 0 0 rg BT 192.73 598.25 Td (costly) Tj ET Q q 0 0 0 rg BT 215.97 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 220.97 598.25 Td (challenging ) Tj ET Q q 0 0 0 rg BT 270.12 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 287.06 598.25 Td (require ) Tj ET Q q 0 0 0 rg BT 317.88 598.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 362.59 598.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 403.96 598.25 Td (resources.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.92 574.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 106.18 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.99 574.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 160.13 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.84 574.25 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 205.20 574.25 Td (products ) Tj ET Q q 0 0 0 rg BT 243.02 574.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 275.27 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 288.65 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 296.46 574.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 327.60 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 339.31 574.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 385.45 574.25 Td (platforms, ) Tj ET Q q 0 0 0 rg BT 429.65 574.25 Td (networks ) Tj ET Q q 0 0 0 rg BT 469.69 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 487.50 574.25 Td (third ) Tj ET Q q 0 0 0 rg BT 509.77 574.25 Td (party ) Tj ET Q q 0 0 0 rg BT 533.69 574.25 Td (service ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (providers ) Tj ET Q q 0 0 0 rg BT 90.43 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 100.87 562.25 Td (order ) Tj ET Q q 0 0 0 rg BT 124.63 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 135.07 562.25 Td (transmit, ) Tj ET Q q 0 0 0 rg BT 173.01 562.25 Td (store ) Tj ET Q q 0 0 0 rg BT 195.11 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 212.21 562.25 Td (communicate ) Tj ET Q q 0 0 0 rg BT 268.74 562.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 308.06 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.16 562.25 Td (transactional ) Tj ET Q q 0 0 0 rg BT 378.91 562.25 Td (data. ) Tj ET Q q 0 0 0 rg BT 403.23 562.25 Td (If ) Tj ET Q q 0 0 0 rg BT 412.55 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 428.55 562.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 465.38 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 476.37 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.25 562.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 525.58 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 536.58 562.25 Td (one ) Tj ET Q q 0 0 0 rg BT 553.68 562.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 66.64 550.25 Td (third ) Tj ET Q q 0 0 0 rg BT 88.84 550.25 Td (party ) Tj ET Q q 0 0 0 rg BT 112.70 550.25 Td (service ) Tj ET Q q 0 0 0 rg BT 144.33 550.25 Td (providers ) Tj ET Q q 0 0 0 rg BT 185.41 550.25 Td (were ) Tj ET Q q 0 0 0 rg BT 208.15 550.25 Td (breached, ) Tj ET Q q 0 0 0 rg BT 250.04 550.25 Td (critical ) Tj ET Q q 0 0 0 rg BT 281.12 550.25 Td (data ) Tj ET Q q 0 0 0 rg BT 301.08 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.83 550.25 Td (information ) Tj ET Q q 0 0 0 rg BT 369.36 550.25 Td (could ) Tj ET Q q 0 0 0 rg BT 394.89 550.25 Td (be ) Tj ET Q q 0 0 0 rg BT 407.64 550.25 Td (lost, ) Tj ET Q q 0 0 0 rg BT 427.90 550.25 Td (compromised ) Tj ET Q q 0 0 0 rg BT 485.64 550.25 Td (or ) Tj ET Q q 0 0 0 rg BT 497.28 550.25 Td (misused. ) Tj ET Q q 0 0 0 rg BT 538.13 550.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (breaches ) Tj ET Q q 0 0 0 rg BT 88.14 538.25 Td (may ) Tj ET Q q 0 0 0 rg BT 108.52 538.25 Td (result ) Tj ET Q q 0 0 0 rg BT 133.90 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 144.84 538.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 190.22 538.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.36 538.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 247.09 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 258.03 538.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 301.74 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.35 538.25 Td (result ) Tj ET Q q 0 0 0 rg BT 344.73 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 355.67 538.25 Td (reputational ) Tj ET Q q 0 0 0 rg BT 406.59 538.25 Td (damage ) Tj ET Q q 0 0 0 rg BT 440.85 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.79 538.25 Td (us ) Tj ET Q q 0 0 0 rg BT 463.85 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.45 538.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 522.93 538.25 Td (af) Tj ET Q q 0 0 0 rg BT 530.52 538.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 548.67 538.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 90.26 526.25 Td (results.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.27 502.25 Td (r) Tj ET Q q 0 0 0 rg BT 96.53 502.25 Td (eform ) Tj ET Q q 0 0 0 rg BT 124.33 502.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 169.93 502.25 Td (has, ) Tj ET Q q 0 0 0 rg BT 189.15 502.25 Td (among ) Tj ET Q q 0 0 0 rg BT 220.30 502.25 Td (other) Tj ET Q q 0 0 0 rg BT 242.89 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 245.16 502.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 276.04 502.25 Td (tightened ) Tj ET Q q 0 0 0 rg BT 318.31 502.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 349.46 502.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 393.96 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 412.35 502.25 Td (r) Tj ET Q q 0 0 0 rg BT 416.61 502.25 Td (esulted ) Tj ET Q q 0 0 0 rg BT 448.87 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 459.47 502.25 Td (new ) Tj ET Q q 0 0 0 rg BT 478.96 502.25 Td (r) Tj ET Q q 0 0 0 rg BT 483.22 502.25 Td (egulations ) Tj ET Q q 0 0 0 rg BT 528.82 502.25 Td (that ) Tj ET Q q 0 0 0 rg BT 548.31 502.25 Td (ar) Tj ET Q q 0 0 0 rg BT 557.57 502.25 Td (e ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 89.71 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 100.54 490.25 Td (incr) Tj ET Q q 0 0 0 rg BT 117.57 490.25 Td (ease ) Tj ET Q q 0 0 0 rg BT 137.84 490.25 Td (our) Tj ET Q q 0 0 0 rg BT 152.66 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.16 490.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 178.21 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 189.04 490.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (On ) Tj ET Q q 0 0 0 rg BT 65.60 466.25 Td (July21, ) Tj ET Q q 0 0 0 rg BT 100.64 466.25 Td (2010, ) Tj ET Q q 0 0 0 rg BT 126.51 466.25 Td (President ) Tj ET Q q 0 0 0 rg BT 167.10 466.25 Td (Obama ) Tj ET Q q 0 0 0 rg BT 199.36 466.25 Td (signed ) Tj ET Q q 0 0 0 rg BT 228.84 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.43 466.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 295.94 466.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 313.75 466.25 Td (into ) Tj ET Q q 0 0 0 rg BT 332.68 466.25 Td (law) Tj ET Q q 0 0 0 rg BT 346.47 466.25 Td (. ) Tj ET Q q 0 0 0 rg BT 354.60 466.25 Td (This ) Tj ET Q q 0 0 0 rg BT 375.75 466.25 Td (law ) Tj ET Q q 0 0 0 rg BT 393.57 466.25 Td (significantly ) Tj ET Q q 0 0 0 rg BT 446.93 466.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 482.51 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.10 466.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 520.92 466.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (structure ) Tj ET Q q 0 0 0 rg BT 87.86 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 105.16 454.25 Td (af) Tj ET Q q 0 0 0 rg BT 112.75 454.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 134.50 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.59 454.25 Td (lending, ) Tj ET Q q 0 0 0 rg BT 184.95 454.25 Td (deposit, ) Tj ET Q q 0 0 0 rg BT 219.21 454.25 Td (investment, ) Tj ET Q q 0 0 0 rg BT 268.46 454.25 Td (trading ) Tj ET Q q 0 0 0 rg BT 299.66 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 316.96 454.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 357.60 454.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 396.57 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 407.77 454.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 445.62 454.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 492.94 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 510.25 454.25 Td (their ) Tj ET Q q 0 0 0 rg BT 531.44 454.25 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (companies. ) Tj ET Q q 0 0 0 rg BT 96.56 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 113.50 442.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 163.47 442.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 179.30 442.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 212.90 442.25 Td (various ) Tj ET Q q 0 0 0 rg BT 243.73 442.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 272.88 442.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 308.70 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.87 442.25 Td (adopt ) Tj ET Q q 0 0 0 rg BT 341.48 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 347.31 442.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 371.48 442.25 Td (range ) Tj ET Q q 0 0 0 rg BT 395.08 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.80 442.25 Td (new ) Tj ET Q q 0 0 0 rg BT 422.86 442.25 Td (implementing ) Tj ET Q q 0 0 0 rg BT 479.80 442.25 Td (rulesand ) Tj ET Q q 0 0 0 rg BT 517.57 442.25 Td (regulations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.43 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 78.19 430.25 Td (prepare ) Tj ET Q q 0 0 0 rg BT 111.16 430.25 Td (numerous ) Tj ET Q q 0 0 0 rg BT 153.58 430.25 Td (studies ) Tj ET Q q 0 0 0 rg BT 184.35 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.78 430.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 232.53 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 247.18 430.25 Td (Congress. ) Tj ET Q q 0 0 0 rg BT 289.68 430.25 Td (The ) Tj ET Q q 0 0 0 rg BT 308.21 430.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 338.95 430.25 Td (agencies ) Tj ET Q q 0 0 0 rg BT 376.37 430.25 Td (are ) Tj ET Q q 0 0 0 rg BT 391.56 430.25 Td (given ) Tj ET Q q 0 0 0 rg BT 416.77 430.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 461.97 430.25 Td (discretion ) Tj ET Q q 0 0 0 rg BT 504.39 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 515.16 430.25 Td (drafting ) Tj ET Q q 0 0 0 rg BT 549.80 430.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (implementing ) Tj ET Q q 0 0 0 rg BT 108.34 418.25 Td (rulesand ) Tj ET Q q 0 0 0 rg BT 147.52 418.25 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 197.25 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 214.48 418.25 Td (consequently) Tj ET Q q 0 0 0 rg BT 266.60 418.25 Td (, ) Tj ET Q q 0 0 0 rg BT 271.89 418.25 Td (many ) Tj ET Q q 0 0 0 rg BT 296.91 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 308.04 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 323.05 418.25 Td (details ) Tj ET Q q 0 0 0 rg BT 351.95 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.18 418.25 Td (much ) Tj ET Q q 0 0 0 rg BT 394.20 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 405.33 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.34 418.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 450.35 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 461.47 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 476.49 418.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 527.55 418.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 544.78 418.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 406.25 Td (be ) Tj ET Q q 0 0 0 rg BT 77.22 406.25 Td (known ) Tj ET Q q 0 0 0 rg BT 106.94 406.25 Td (for ) Tj ET Q q 0 0 0 rg BT 121.10 406.25 Td (many ) Tj ET Q q 0 0 0 rg BT 145.82 406.25 Td (months ) Tj ET Q q 0 0 0 rg BT 177.76 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 188.59 406.25 Td (years.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (Among ) Tj ET Q q 0 0 0 rg BT 81.55 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.31 382.25 Td (many ) Tj ET Q q 0 0 0 rg BT 119.08 382.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 172.83 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 182.15 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.92 382.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 246.01 382.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 261.99 382.25 Td (for ) Tj ET Q q 0 0 0 rg BT 275.20 382.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 308.96 382.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 354.95 382.25 Td (is ) Tj ET Q q 0 0 0 rg BT 363.16 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 376.93 382.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 426.79 382.25 Td (for ) Tj ET Q q 0 0 0 rg BT 440.00 382.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 468.19 382.25 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 519.17 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 520.72 382.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 559.50 382.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 70.11 370.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 109.08 370.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 149.17 370.25 Td (will ) Tj ET Q q 0 0 0 rg BT 167.06 370.25 Td (no ) Tj ET Q q 0 0 0 rg BT 179.39 370.25 Td (longer ) Tj ET Q q 0 0 0 rg BT 207.26 370.25 Td (be ) Tj ET Q q 0 0 0 rg BT 219.03 370.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 251.35 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 261.85 370.25 Td (T) Tj ET Q q 0 0 0 rg BT 267.60 370.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 280.48 370.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 287.81 370.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 321.79 370.25 Td (See ) Tj ET Q q 0 0 0 rg BT 338.56 370.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 363.66 370.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 373.49 370.25 Td (Business--Supervision ) Tj ET Q q 0 0 0 rg BT 465.82 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 482.59 370.25 Td (Regulation--Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 89.89 358.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.11 334.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 119.00 334.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 136.00 334.25 Td (created ) Tj ET Q q 0 0 0 rg BT 167.43 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 182.22 334.25 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 211.75 334.25 Td (which ) Tj ET Q q 0 0 0 rg BT 238.75 334.25 Td (has ) Tj ET Q q 0 0 0 rg BT 254.65 334.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 279.99 334.25 Td (powers ) Tj ET Q q 0 0 0 rg BT 311.44 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.78 334.25 Td (supervise ) Tj ET Q q 0 0 0 rg BT 362.12 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.12 334.25 Td (enforce ) Tj ET Q q 0 0 0 rg BT 411.67 334.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 453.11 334.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 496.22 334.25 Td (laws. ) Tj ET Q q 0 0 0 rg BT 519.43 334.25 Td (The ) Tj ET Q q 0 0 0 rg BT 537.55 334.25 Td (CFPB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (has ) Tj ET Q q 0 0 0 rg BT 65.95 322.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 91.34 322.25 Td (rule-making ) Tj ET Q q 0 0 0 rg BT 142.83 322.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 181.56 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 195.84 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 202.90 322.25 Td (wide ) Tj ET Q q 0 0 0 rg BT 224.96 322.25 Td (range ) Tj ET Q q 0 0 0 rg BT 249.79 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.74 322.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 302.24 322.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 345.40 322.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 366.35 322.25 Td (that ) Tj ET Q q 0 0 0 rg BT 383.97 322.25 Td (apply ) Tj ET Q q 0 0 0 rg BT 408.80 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.20 322.25 Td (all ) Tj ET Q q 0 0 0 rg BT 431.82 322.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 460.27 322.25 Td (including ) Tj ET Q q 0 0 0 rg BT 500.67 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 515.50 322.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 554.23 322.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (prohibit ) Tj ET Q q 0 0 0 rg BT 84.38 310.25 Td (unfair) Tj ET Q q 0 0 0 rg BT 112.29 310.25 Td (, ) Tj ET Q q 0 0 0 rg BT 117.50 310.25 Td (deceptive ) Tj ET Q q 0 0 0 rg BT 158.53 310.25 Td (or ) Tj ET Q q 0 0 0 rg BT 169.57 310.25 Td (abusive ) Tj ET Q q 0 0 0 rg BT 207.27 310.25 Td (acts ) Tj ET Q q 0 0 0 rg BT 225.53 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 242.68 310.25 Td (practices. ) Tj ET Q q 0 0 0 rg BT 283.23 310.25 Td (The ) Tj ET Q q 0 0 0 rg BT 301.49 310.25 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 328.66 310.25 Td (has ) Tj ET Q q 0 0 0 rg BT 344.70 310.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 396.85 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 414.00 310.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 466.68 310.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 505.50 310.25 Td (over ) Tj ET Q q 0 0 0 rg BT 525.98 310.25 Td (all ) Tj ET Q q 0 0 0 rg BT 538.68 310.25 Td (banks ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.28 298.25 Td (more ) Tj ET Q q 0 0 0 rg BT 93.33 298.25 Td (than ) Tj ET Q q 0 0 0 rg BT 113.04 298.25 Td ($10 ) Tj ET Q q 0 0 0 rg BT 130.54 298.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 159.16 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 169.43 298.25 Td (assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (In ) Tj ET Q q 0 0 0 rg BT 60.74 274.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 98.42 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 113.04 274.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 163.80 274.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 180.65 274.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 220.81 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.43 274.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 273.94 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 284.68 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 299.30 274.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 331.70 274.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 366.31 274.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 393.16 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.34 274.25 Td (examine ) Tj ET Q q 0 0 0 rg BT 439.62 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.24 274.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 495.54 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 512.38 274.25 Td (its ) Tj ET Q q 0 0 0 rg BT 524.24 274.25 Td (non-bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 98.78 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.78 262.25 Td (gave ) Tj ET Q q 0 0 0 rg BT 135.22 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.00 262.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 180.55 262.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 214.32 262.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 240.32 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.10 262.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 291.76 262.25 Td (to ) Tj ET Q q 0 0 0 rg BT 301.10 262.25 Td (establish ) Tj ET Q q 0 0 0 rg BT 337.66 262.25 Td (rulesregarding ) Tj ET Q q 0 0 0 rg BT 399.48 262.25 Td (interchange ) Tj ET Q q 0 0 0 rg BT 447.68 262.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 465.34 262.25 Td (char) Tj ET Q q 0 0 0 rg BT 482.37 262.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 498.37 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 511.59 262.25 Td (an ) Tj ET Q q 0 0 0 rg BT 522.59 262.25 Td (electronic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (debit ) Tj ET Q q 0 0 0 rg BT 72.31 250.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 118.49 250.25 Td (by ) Tj ET Q q 0 0 0 rg BT 130.80 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 137.55 250.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 174.30 250.25 Td (card ) Tj ET Q q 0 0 0 rg BT 193.82 250.25 Td (issuer ) Tj ET Q q 0 0 0 rg BT 219.46 250.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 239.27 250.25 Td (together ) Tj ET Q q 0 0 0 rg BT 274.34 250.25 Td (with ) Tj ET Q q 0 0 0 rg BT 294.43 250.25 Td (its ) Tj ET Q q 0 0 0 rg BT 306.19 250.25 Td (af) Tj ET Q q 0 0 0 rg BT 313.78 250.25 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 345.81 250.25 Td (has ) Tj ET Q q 0 0 0 rg BT 361.45 250.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 387.09 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.73 250.25 Td ($10 ) Tj ET Q q 0 0 0 rg BT 415.04 250.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 443.47 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 454.11 250.25 Td (more, ) Tj ET Q q 0 0 0 rg BT 479.47 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.22 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 506.31 250.25 Td (enforce ) Tj ET Q q 0 0 0 rg BT 538.60 250.25 Td (a ) Tj ET Q q 0 0 0 rg BT 545.35 250.25 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 87.20 238.25 Td (requirement ) Tj ET Q q 0 0 0 rg BT 137.72 238.25 Td (that ) Tj ET Q q 0 0 0 rg BT 154.92 238.25 Td (such ) Tj ET Q q 0 0 0 rg BT 175.46 238.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 193.76 238.25 Td (be ) Tj ET Q q 0 0 0 rg BT 205.40 238.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 250.36 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 267.01 238.25 Td (proportional ) Tj ET Q q 0 0 0 rg BT 318.65 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 328.63 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.06 238.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 369.13 238.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 387.45 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.98 238.25 Td (a ) Tj ET Q q 0 0 0 rg BT 404.63 238.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 450.71 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 460.69 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 475.11 238.25 Td (issuer) Tj ET Q q 0 0 0 rg BT 497.89 238.25 Td (. ) Tj ET Q q 0 0 0 rg BT 505.10 238.25 Td (By ) Tj ET Q q 0 0 0 rg BT 518.97 238.25 Td (regulation, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.60 226.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 96.96 226.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 131.55 226.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 158.37 226.25 Td (has ) Tj ET Q q 0 0 0 rg BT 174.08 226.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 204.79 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 219.39 226.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 237.87 226.25 Td (for ) Tj ET Q q 0 0 0 rg BT 251.91 226.25 Td (such ) Tj ET Q q 0 0 0 rg BT 272.62 226.25 Td (a ) Tj ET Q q 0 0 0 rg BT 279.44 226.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 325.69 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 335.85 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 350.44 226.25 Td (sum ) Tj ET Q q 0 0 0 rg BT 369.49 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 380.21 226.25 Td (21 ) Tj ET Q q 0 0 0 rg BT 392.59 226.25 Td (cents ) Tj ET Q q 0 0 0 rg BT 415.51 226.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 434.56 226.25 Td (five ) Tj ET Q q 0 0 0 rg BT 452.49 226.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 474.87 226.25 Td (points ) Tj ET Q q 0 0 0 rg BT 501.70 226.25 Td (times ) Tj ET Q q 0 0 0 rg BT 525.74 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.34 226.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 214.25 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 124.42 214.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 143.59 214.25 Td (up ) Tj ET Q q 0 0 0 rg BT 156.09 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 166.37 214.25 Td (one ) Tj ET Q q 0 0 0 rg BT 183.31 214.25 Td (cent ) Tj ET Q q 0 0 0 rg BT 202.46 214.25 Td (for ) Tj ET Q q 0 0 0 rg BT 216.62 214.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 240.22 214.25 Td (prevention ) Tj ET Q q 0 0 0 rg BT 285.48 214.25 Td (costs. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 76.76 190.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 109.07 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.82 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 136.47 190.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 188.02 190.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 205.89 190.25 Td (are ) Tj ET Q q 0 0 0 rg BT 221.53 190.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 253.28 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 264.49 190.25 Td (rulemaking ) Tj ET Q q 0 0 0 rg BT 313.46 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 331.33 190.25 Td (will ) Tj ET Q q 0 0 0 rg BT 350.32 190.25 Td (take ) Tj ET Q q 0 0 0 rg BT 370.40 190.25 Td (ef) Tj ET Q q 0 0 0 rg BT 377.99 190.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 396.40 190.25 Td (over ) Tj ET Q q 0 0 0 rg BT 417.60 190.25 Td (several ) Tj ET Q q 0 0 0 rg BT 449.34 190.25 Td (years, ) Tj ET Q q 0 0 0 rg BT 476.37 190.25 Td (making ) Tj ET Q q 0 0 0 rg BT 509.80 190.25 Td (it ) Tj ET Q q 0 0 0 rg BT 518.78 190.25 Td (dif) Tj ET Q q 0 0 0 rg BT 529.71 190.25 Td (ficult ) Tj ET Q q 0 0 0 rg BT 554.24 190.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 91.03 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.42 178.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 135.34 178.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 172.49 178.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 201.87 178.25 Td (on ) Tj ET Q q 0 0 0 rg BT 214.03 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.42 178.25 Td (Company) Tj ET Q q 0 0 0 rg BT 266.65 178.25 Td (. ) Tj ET Q q 0 0 0 rg BT 273.82 178.25 Td (However) Tj ET Q q 0 0 0 rg BT 310.07 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 314.73 178.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 362.99 178.25 Td (with ) Tj ET Q q 0 0 0 rg BT 382.93 178.25 Td (this ) Tj ET Q q 0 0 0 rg BT 399.55 178.25 Td (law ) Tj ET Q q 0 0 0 rg BT 416.15 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 432.75 178.25 Td (its ) Tj ET Q q 0 0 0 rg BT 444.37 178.25 Td (implementing ) Tj ET Q q 0 0 0 rg BT 502.08 178.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 548.68 178.25 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (resulted, ) Tj ET Q q 0 0 0 rg BT 86.50 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 103.27 166.25 Td (will ) Tj ET Q q 0 0 0 rg BT 121.17 166.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 157.95 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 168.06 166.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 195.12 166.25 Td (in ) Tj ET Q q 0 0 0 rg BT 205.24 166.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 247.57 166.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 287.67 166.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 310.01 166.25 Td (that ) Tj ET Q q 0 0 0 rg BT 327.35 166.25 Td (could ) Tj ET Q q 0 0 0 rg BT 351.91 166.25 Td (have ) Tj ET Q q 0 0 0 rg BT 373.12 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 379.90 166.25 Td (material ) Tj ET Q q 0 0 0 rg BT 415.00 166.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 447.88 166.25 Td (ef) Tj ET Q q 0 0 0 rg BT 455.47 166.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 472.79 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 485.13 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 500.80 166.25 Td (future ) Tj ET Q q 0 0 0 rg BT 527.02 166.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 90.69 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 108.04 154.25 Td (results ) Tj ET Q q 0 0 0 rg BT 137.06 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.31 154.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 197.88 154.25 Td (For ) Tj ET Q q 0 0 0 rg BT 214.68 154.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 257.59 154.25 Td (discussion ) Tj ET Q q 0 0 0 rg BT 302.17 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 313.41 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.54 154.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 379.70 154.25 Td (Act, ) Tj ET Q q 0 0 0 rg BT 399.55 154.25 Td (see ) Tj ET Q q 0 0 0 rg BT 415.23 154.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 440.91 154.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 451.32 154.25 Td (BusinessSupervision ) Tj ET Q q 0 0 0 rg BT 547.58 154.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (Regulation-Regulatory ) Tj ET Q q 0 0 0 rg BT 144.15 142.25 Td (Reform.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (Rulemaking ) Tj ET Q q 0 0 0 rg BT 104.74 118.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 141.15 118.25 Td (implemented ) Tj ET Q q 0 0 0 rg BT 199.20 118.25 Td (by ) Tj ET Q q 0 0 0 rg BT 212.28 118.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.12 118.25 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 256.74 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 267.59 118.25 Td (particular) Tj ET Q q 0 0 0 rg BT 310.73 118.25 Td ( ) Tj ET Q q 0 0 0 rg BT 313.24 118.25 Td (ar) Tj ET Q q 0 0 0 rg BT 322.50 118.25 Td (e ) Tj ET Q q 0 0 0 rg BT 329.45 118.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 369.17 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 380.01 118.25 Td (r) Tj ET Q q 0 0 0 rg BT 384.27 118.25 Td (esult ) Tj ET Q q 0 0 0 rg BT 406.78 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 417.63 118.25 Td (higher) Tj ET Q q 0 0 0 rg BT 445.23 118.25 Td ( ) Tj ET Q q 0 0 0 rg BT 447.74 118.25 Td (r) Tj ET Q q 0 0 0 rg BT 452.00 118.25 Td (egulatory ) Tj ET Q q 0 0 0 rg BT 495.06 118.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.69 118.25 Td (compliance ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 73.05 106.25 Td (that ) Tj ET Q q 0 0 0 rg BT 92.77 106.25 Td (may ) Tj ET Q q 0 0 0 rg BT 113.60 106.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 156.65 106.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 183.02 106.25 Td (our) Tj ET Q q 0 0 0 rg BT 197.84 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 200.34 106.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 240.06 106.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 282.57 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 301.20 106.25 Td (r) Tj ET Q q 0 0 0 rg BT 305.45 106.25 Td (esults ) Tj ET Q q 0 0 0 rg BT 331.85 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 342.68 106.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.77 82.25 Td (noted ) Tj ET Q q 0 0 0 rg BT 88.65 82.25 Td (above, ) Tj ET Q q 0 0 0 rg BT 117.69 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.57 82.25 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 183.52 82.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 200.62 82.25 Td (created ) Tj ET Q q 0 0 0 rg BT 232.15 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 247.02 82.25 Td (CFPB, ) Tj ET Q q 0 0 0 rg BT 276.65 82.25 Td (an ) Tj ET Q q 0 0 0 rg BT 288.75 82.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 340.28 82.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 370.70 82.25 Td (agency ) Tj ET Q q 0 0 0 rg BT 401.67 82.25 Td (with ) Tj ET Q q 0 0 0 rg BT 422.11 82.25 Td (broad ) Tj ET Q q 0 0 0 rg BT 447.54 82.25 Td (rulemaking, ) Tj ET Q q 0 0 0 rg BT 498.25 82.25 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 547.57 82.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 102.88 70.25 Td (powers ) Tj ET Q q 0 0 0 rg BT 134.67 70.25 Td (under ) Tj ET Q q 0 0 0 rg BT 160.34 70.25 Td (various ) Tj ET Q q 0 0 0 rg BT 192.69 70.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 223.35 70.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 265.13 70.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.02 70.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 346.47 70.25 Td (laws. ) Tj ET Q q 0 0 0 rg BT 370.20 70.25 Td ( ) Tj ET Q q 0 0 0 rg BT 372.90 70.25 Td (The ) Tj ET Q q 0 0 0 rg BT 391.35 70.25 Td (CFPB's ) Tj ET Q q 0 0 0 rg BT 424.42 70.25 Td (jurisdiction ) Tj ET Q q 0 0 0 rg BT 472.88 70.25 Td (also ) Tj ET Q q 0 0 0 rg BT 491.89 70.25 Td (extends ) Tj ET Q q 0 0 0 rg BT 525.34 70.25 Td (to ) Tj ET Q q 0 0 0 rg BT 536.03 70.25 Td (unfair) Tj ET Q q 0 0 0 rg BT 559.51 70.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (deceptive, ) Tj ET Q q 0 0 0 rg BT 93.01 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 103.54 58.25 Td (abusive ) Tj ET Q q 0 0 0 rg BT 136.28 58.25 Td (acts ) Tj ET Q q 0 0 0 rg BT 154.02 58.25 Td (or ) Tj ET Q q 0 0 0 rg BT 164.55 58.25 Td (practices. ) Tj ET Q q 0 0 0 rg BT 204.78 58.25 Td ( ) Tj ET Q q 0 0 0 rg BT 206.82 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 224.56 58.25 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 251.22 58.25 Td (has ) Tj ET Q q 0 0 0 rg BT 266.75 58.25 Td (examination ) Tj ET Q q 0 0 0 rg BT 318.38 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.01 58.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 368.86 58.25 Td (enforcement ) Tj ET Q q 0 0 0 rg BT 421.03 58.25 Td (authority ) Tj ET Q q 0 0 0 rg BT 459.33 58.25 Td (with ) Tj ET Q q 0 0 0 rg BT 479.31 58.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 509.82 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 519.80 58.25 Td (depository ) Tj ET Q endstream endobj 51 0 obj <> endobj 52 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 96.94 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 117.21 742.10 Td ($10 ) Tj ET Q q 0 0 0 rg BT 134.70 742.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 163.30 742.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.12 742.10 Td (more ) Tj ET Q q 0 0 0 rg BT 197.16 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 207.42 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 233.24 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.17 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 270.99 742.10 Td (af) Tj ET Q q 0 0 0 rg BT 278.57 742.10 Td (filiates, ) Tj ET Q q 0 0 0 rg BT 310.78 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 331.59 742.10 Td (service ) Tj ET Q q 0 0 0 rg BT 362.39 742.10 Td (providers ) Tj ET Q q 0 0 0 rg BT 402.65 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 419.58 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 449.27 742.10 Td (non-depository ) Tj ET Q q 0 0 0 rg BT 512.31 742.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 543.68 742.10 Td (such ) 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 60.83 730.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 80.55 730.10 Td (collectors ) Tj ET Q q 0 0 0 rg BT 121.92 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.86 730.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 180.23 730.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 219.39 730.10 Td (agencies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Since ) Tj ET Q q 0 0 0 rg BT 74.45 706.10 Td (its ) Tj ET Q q 0 0 0 rg BT 86.13 706.10 Td (formation, ) Tj ET Q q 0 0 0 rg BT 130.29 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.74 706.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 171.43 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 186.99 706.10 Td (finalized ) Tj ET Q q 0 0 0 rg BT 224.20 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 230.87 706.10 Td (number ) Tj ET Q q 0 0 0 rg BT 263.65 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.21 706.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 318.65 706.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 340.32 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 357.55 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 381.99 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 403.10 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 409.77 706.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 454.21 706.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 483.65 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 495.88 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 511.45 706.10 Td (business ) 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 (the ) Tj ET Q q 0 0 0 rg BT 66.45 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 105.66 694.10 Td (services ) Tj ET Q q 0 0 0 rg BT 142.10 694.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 179.11 694.10 Td (more ) Tj ET Q q 0 0 0 rg BT 203.89 694.10 Td (generally) Tj ET Q q 0 0 0 rg BT 240.44 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 247.17 694.10 Td (In ) Tj ET Q q 0 0 0 rg BT 259.73 694.10 Td (particular) Tj ET Q q 0 0 0 rg BT 297.64 694.10 Td (, ) Tj ET Q q 0 0 0 rg BT 304.37 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 316.94 694.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 359.50 694.10 Td (above ) Tj ET Q q 0 0 0 rg BT 387.61 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 414.61 694.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 441.60 694.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 453.33 694.10 Td (Business--Supervision ) 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 (Regulation-Consumer ) Tj ET Q q 0 0 0 rg BT 140.16 682.10 Td (Protection ) Tj ET Q q 0 0 0 rg BT 183.11 682.10 Td (Laws, ) Tj ET Q q 0 0 0 rg BT 213.55 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.61 682.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 253.92 682.10 Td (has ) Tj ET Q q 0 0 0 rg BT 269.09 682.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 302.59 682.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 323.87 682.10 Td (impacting ) Tj ET Q q 0 0 0 rg BT 365.71 682.10 Td (nearly ) Tj ET Q q 0 0 0 rg BT 392.53 682.10 Td (every ) Tj ET Q q 0 0 0 rg BT 416.58 682.10 Td (aspect ) Tj ET Q q 0 0 0 rg BT 443.41 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 453.59 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.65 682.10 Td (lifecycle ) Tj ET Q q 0 0 0 rg BT 503.91 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.08 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 520.36 682.10 Td (residential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.54 670.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 113.03 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 115.19 670.10 Td (Among ) Tj ET Q q 0 0 0 rg BT 147.97 670.10 Td (other ) Tj ET Q q 0 0 0 rg BT 171.29 670.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 201.01 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.00 670.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 238.22 670.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 272.65 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 285.42 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.41 670.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 327.65 670.10 Td (require ) Tj ET Q q 0 0 0 rg BT 358.74 670.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 384.85 670.10 Td (to: ) Tj ET Q q 0 0 0 rg BT 398.18 670.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 410.39 670.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 444.82 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.04 670.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 507.58 670.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 554.22 670.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 78.64 658.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 127.27 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 147.59 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 159.57 658.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 192.10 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.42 658.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 231.60 658.10 Td (test ) Tj ET Q q 0 0 0 rg BT 248.03 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.01 658.10 Td (identify ) Tj ET Q q 0 0 0 rg BT 298.65 658.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 333.40 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 340.38 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 360.14 658.10 Td (meets ) Tj ET Q q 0 0 0 rg BT 386.00 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 392.98 658.10 Td (new ) Tj ET Q q 0 0 0 rg BT 412.18 658.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 453.60 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 467.80 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.78 658.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 517.30 658.10 Td (mortgage, ) 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 59.39 646.10 Td (which ) Tj ET Q q 0 0 0 rg BT 85.44 646.10 Td (case ) Tj ET Q q 0 0 0 rg BT 104.26 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.31 646.10 Td (safe ) Tj ET Q q 0 0 0 rg BT 128.02 646.10 Td (harbor ) Tj ET Q q 0 0 0 rg BT 155.74 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 165.68 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 171.73 646.10 Td (rebuttable ) Tj ET Q q 0 0 0 rg BT 213.32 646.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 264.93 646.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 289.32 646.10 Td (\(dependent ) Tj ET Q q 0 0 0 rg BT 335.36 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 346.97 646.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 380.79 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.62 646.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 413.45 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 421.73 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 427.79 646.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 454.94 646.10 Td (priced ) Tj ET Q q 0 0 0 rg BT 481.54 646.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 514.80 646.10 Td (transaction\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.62 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.45 634.10 Td (creditor ) Tj ET Q q 0 0 0 rg BT 116.17 634.10 Td (extending ) Tj ET Q q 0 0 0 rg BT 158.22 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.06 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 192.90 634.10 Td (has ) Tj ET Q q 0 0 0 rg BT 208.85 634.10 Td (satisfied ) Tj ET Q q 0 0 0 rg BT 244.80 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.63 634.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 287.81 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.21 634.10 Td (repay ) Tj ET Q q 0 0 0 rg BT 323.04 634.10 Td (test; ) Tj ET Q q 0 0 0 rg BT 342.32 634.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 357.16 634.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 402.55 634.10 Td (new ) Tj ET Q q 0 0 0 rg BT 421.83 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 432.78 634.10 Td (revised ) Tj ET Q q 0 0 0 rg BT 464.28 634.10 Td (disclosures, ) Tj ET Q q 0 0 0 rg BT 513.84 634.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 547.56 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 97.57 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.94 622.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 160.53 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 178.68 622.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 219.04 622.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 264.40 622.10 Td (including, ) Tj ET Q q 0 0 0 rg BT 308.38 622.10 Td (but ) Tj ET Q q 0 0 0 rg BT 324.87 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 341.36 622.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 373.39 622.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 387.38 622.10 Td (providing ) Tj ET Q q 0 0 0 rg BT 429.97 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 438.12 622.10 Td (written ) Tj ET Q q 0 0 0 rg BT 470.15 622.10 Td (list ) Tj ET Q q 0 0 0 rg BT 486.09 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.12 622.10 Td (homeownership ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (counseling ) Tj ET Q q 0 0 0 rg BT 95.77 610.10 Td (or) Tj ET Q q 0 0 0 rg BT 103.92 610.10 Td (ganizations, ) Tj ET Q q 0 0 0 rg BT 154.41 610.10 Td (early ) Tj ET Q q 0 0 0 rg BT 176.85 610.10 Td (intervention ) Tj ET Q q 0 0 0 rg BT 227.62 610.10 Td (with ) Tj ET Q q 0 0 0 rg BT 247.84 610.10 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 292.50 610.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 335.50 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.38 610.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 385.93 610.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 403.94 610.10 Td (mitigation ) Tj ET Q q 0 0 0 rg BT 447.49 610.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 493.81 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 507.92 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 531.47 610.10 Td (secured ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.93 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 68.30 598.10 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 112.58 598.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 150.05 598.10 Td (residence; ) Tj ET Q q 0 0 0 rg BT 192.51 598.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 209.44 598.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 241.36 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 261.07 598.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 303.00 598.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 349.36 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.29 598.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 400.99 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 420.13 598.10 Td (originator ) Tj ET Q q 0 0 0 rg BT 461.50 598.10 Td (hiring ) Tj ET Q q 0 0 0 rg BT 487.32 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.69 598.10 Td (compensation; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 66.40 586.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 98.35 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.09 586.10 Td (new ) Tj ET Q q 0 0 0 rg BT 136.70 586.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 179.21 586.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 233.37 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.77 586.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 289.49 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.11 586.10 Td (appraisals ) Tj ET Q q 0 0 0 rg BT 345.05 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.45 586.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 390.61 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 427.55 586.10 Td (products; ) Tj ET Q q 0 0 0 rg BT 466.72 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.12 586.10 Td (\(v\) ) Tj ET Q q 0 0 0 rg BT 496.74 586.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 533.69 586.10 Td (escrow ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 86.29 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 99.26 574.10 Td (higher) Tj ET Q q 0 0 0 rg BT 124.61 574.10 Td (-priced ) Tj ET Q q 0 0 0 rg BT 154.23 574.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 193.31 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 215.72 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.69 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.44 574.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 261.29 574.10 Td (period ) Tj ET Q q 0 0 0 rg BT 288.15 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.79 574.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 319.37 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.58 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 337.44 574.10 Td (new ) Tj ET Q q 0 0 0 rg BT 355.41 574.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 376.16 574.10 Td (include ) Tj ET Q q 0 0 0 rg BT 406.90 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.33 574.10 Td (TILA-RESP) Tj ET Q q 0 0 0 rg BT 469.41 574.10 Td (A) Tj ET Q q 0 0 0 rg BT 476.08 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 477.39 574.10 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 519.23 574.10 Td (Disclosure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (\(TRID\) ) Tj ET Q q 0 0 0 rg BT 82.35 562.10 Td (rules. ) Tj ET Q q 0 0 0 rg BT 106.47 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 124.20 562.10 Td (TRID ) Tj ET Q q 0 0 0 rg BT 149.88 562.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 171.68 562.10 Td (contain ) Tj ET Q q 0 0 0 rg BT 203.47 562.10 Td (new ) Tj ET Q q 0 0 0 rg BT 222.48 562.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 277.04 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 293.83 562.10 Td (new ) Tj ET Q q 0 0 0 rg BT 312.85 562.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 355.75 562.10 Td (forms ) Tj ET Q q 0 0 0 rg BT 381.43 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 398.78 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 413.35 562.10 Td (required ) Tj ET Q q 0 0 0 rg BT 449.02 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.15 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 470.94 562.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 508.85 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.98 562.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 564.52 562.10 Td ( ) 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 68.85 550.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 96.62 550.10 Td (has ) Tj ET Q q 0 0 0 rg BT 113.25 550.10 Td (also ) Tj ET Q q 0 0 0 rg BT 132.66 550.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 160.96 550.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 200.36 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 228.10 550.10 Td (could ) Tj ET Q q 0 0 0 rg BT 253.62 550.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 306.92 550.10 Td (af) Tj ET Q q 0 0 0 rg BT 314.50 550.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 332.79 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.31 550.10 Td (automotive ) Tj ET Q q 0 0 0 rg BT 396.61 550.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 437.67 550.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 473.75 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 487.06 550.10 Td (subjecting ) Tj ET Q q 0 0 0 rg BT 531.46 550.10 Td (indirect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (motorcycle ) Tj ET Q q 0 0 0 rg BT 97.95 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 115.35 538.10 Td (motorsport ) Tj ET Q q 0 0 0 rg BT 162.21 538.10 Td (lenders, ) Tj ET Q q 0 0 0 rg BT 196.55 538.10 Td (such ) Tj ET Q q 0 0 0 rg BT 217.85 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 229.15 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 245.45 538.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 289.52 538.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 314.43 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.18 538.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 368.69 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 379.98 538.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 417.94 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 443.67 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.86 538.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 485.15 538.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 513.11 538.10 Td (Opportunity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 69.44 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 96.38 526.10 Td (would ) Tj ET Q q 0 0 0 rg BT 123.88 526.10 Td (make ) Tj ET Q q 0 0 0 rg BT 148.03 526.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 181.07 526.10 Td (lenders ) Tj ET Q q 0 0 0 rg BT 212.45 526.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 246.62 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.55 526.10 Td (control ) Tj ET Q q 0 0 0 rg BT 294.38 526.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 324.08 526.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 349.35 526.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 382.95 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.89 526.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 446.25 526.10 Td (undertaken ) Tj ET Q q 0 0 0 rg BT 493.18 526.10 Td (by ) Tj ET Q q 0 0 0 rg BT 505.68 526.10 Td (dealers. ) Tj ET Q q 0 0 0 rg BT 538.99 526.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Compliance ) Tj ET Q q 0 0 0 rg BT 100.92 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 121.31 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.13 502.10 Td (rules ) Tj ET Q q 0 0 0 rg BT 158.17 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.21 502.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 208.92 502.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 243.18 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 255.78 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.60 502.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 297.67 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 317.49 502.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 338.99 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.81 502.10 Td (products ) Tj ET Q q 0 0 0 rg BT 390.85 502.10 Td (we ) Tj ET Q q 0 0 0 rg BT 405.11 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 424.94 502.10 Td (permissibly ) Tj ET Q q 0 0 0 rg BT 474.20 502.10 Td (of) Tj ET Q q 0 0 0 rg BT 482.35 502.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 496.06 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.44 502.10 Td (some ) Tj ET Q q 0 0 0 rg BT 530.15 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.09 502.10 Td (all ) 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 (our ) Tj ET Q q 0 0 0 rg BT 65.05 490.10 Td (customers, ) Tj ET Q q 0 0 0 rg BT 109.82 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 119.87 490.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 140.48 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.42 490.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 178.36 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 190.08 490.10 Td (which ) Tj ET Q q 0 0 0 rg BT 216.24 490.10 Td (those ) Tj ET Q q 0 0 0 rg BT 239.07 490.10 Td (products ) Tj ET Q q 0 0 0 rg BT 275.23 490.10 Td (may ) Tj ET Q q 0 0 0 rg BT 294.17 490.10 Td (be ) Tj ET Q q 0 0 0 rg BT 305.33 490.10 Td (issued, ) Tj ET Q q 0 0 0 rg BT 334.55 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 344.60 490.10 Td (may ) Tj ET Q q 0 0 0 rg BT 363.54 490.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 403.57 490.10 Td (af) Tj ET Q q 0 0 0 rg BT 411.16 490.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 427.87 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 442.92 490.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 470.19 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.69 490.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 513.07 490.10 Td (our ) Tj ET Q q 0 0 0 rg BT 528.12 490.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.00 478.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 103.88 478.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 146.65 478.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 189.42 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 204.42 478.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 247.74 478.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 287.17 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.28 478.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 335.49 478.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 367.15 478.10 Td (businesses ) Tj ET Q q 0 0 0 rg BT 411.04 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 420.49 478.10 Td (particular\). ) Tj ET Q q 0 0 0 rg BT 466.18 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 474.82 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 480.93 478.10 Td (may ) Tj ET Q q 0 0 0 rg BT 499.81 478.10 Td (also ) Tj ET Q q 0 0 0 rg BT 517.59 478.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.70 478.10 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.20 466.10 Td (add ) Tj ET Q q 0 0 0 rg BT 77.06 466.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 125.57 466.10 Td (personnel ) Tj ET Q q 0 0 0 rg BT 166.87 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 177.62 466.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 200.59 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 223.56 466.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 268.19 466.10 Td (compliance-related ) Tj ET Q q 0 0 0 rg BT 347.24 466.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 388.26 466.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 406.23 466.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 445.04 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 482.45 466.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 525.14 466.10 Td (results ) Tj ET Q q 0 0 0 rg BT 553.67 466.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 454.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 122.20 454.10 Td (competitive ) Tj ET Q q 0 0 0 rg BT 171.91 454.10 Td (position ) Tj ET Q q 0 0 0 rg BT 206.64 454.10 Td (may ) Tj ET Q q 0 0 0 rg BT 226.35 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 238.29 454.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 279.11 454.10 Td (af) Tj ET Q q 0 0 0 rg BT 286.69 454.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 313.62 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 324.45 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.39 454.10 Td (result.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.89 430.10 Td (ar) Tj ET Q q 0 0 0 rg BT 75.15 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 81.59 430.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 114.14 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 124.47 430.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 156.46 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.58 430.10 Td (state ) Tj ET Q q 0 0 0 rg BT 196.58 430.10 Td (fair) Tj ET Q q 0 0 0 rg BT 211.94 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 213.95 430.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 247.63 430.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 271.02 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.15 430.10 Td (failur) Tj ET Q q 0 0 0 rg BT 312.85 430.10 Td (e ) Tj ET Q q 0 0 0 rg BT 319.29 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 329.62 430.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 362.73 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 383.63 430.10 Td (these ) Tj ET Q q 0 0 0 rg BT 407.29 430.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 428.18 430.10 Td (could ) Tj ET Q q 0 0 0 rg BT 453.53 430.10 Td (lead ) Tj ET Q q 0 0 0 rg BT 473.31 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.64 430.10 Td (material ) Tj ET Q q 0 0 0 rg BT 521.73 430.10 Td (penalties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.68 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.81 406.10 Td (state ) Tj ET Q q 0 0 0 rg BT 120.83 406.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 137.40 406.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 170.09 406.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 191.11 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.24 406.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 257.87 406.10 Td (such ) Tj ET Q q 0 0 0 rg BT 278.89 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 289.91 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.82 406.10 Td (Equal ) Tj ET Q q 0 0 0 rg BT 330.84 406.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 358.53 406.10 Td (Opportunity ) Tj ET Q q 0 0 0 rg BT 409.51 406.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 426.64 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.78 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.69 406.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 477.49 406.10 Td (Housing ) Tj ET Q q 0 0 0 rg BT 513.48 406.10 Td (Act, ) Tj ET Q q 0 0 0 rg BT 533.11 406.10 Td (impose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (nondiscriminatory ) Tj ET Q q 0 0 0 rg BT 126.25 394.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 159.18 394.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 214.32 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.25 394.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 265.17 394.10 Td (institutions. ) Tj ET Q q 0 0 0 rg BT 314.84 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 333.32 394.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 383.46 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.72 394.10 Td (Justice, ) Tj ET Q q 0 0 0 rg BT 427.37 394.10 Td (CFPB ) Tj ET Q q 0 0 0 rg BT 454.77 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.14 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 495.62 394.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 526.31 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.68 394.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 88.26 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 104.31 382.10 Td (responsible ) Tj ET Q q 0 0 0 rg BT 153.70 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.20 382.10 Td (enforcing ) Tj ET Q q 0 0 0 rg BT 211.35 382.10 Td (these ) Tj ET Q q 0 0 0 rg BT 235.74 382.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 257.91 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 276.19 382.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 326.96 382.10 Td (Private ) Tj ET Q q 0 0 0 rg BT 359.13 382.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 389.62 382.10 Td (may ) Tj ET Q q 0 0 0 rg BT 410.68 382.10 Td (also ) Tj ET Q q 0 0 0 rg BT 430.63 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 453.34 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.40 382.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 498.79 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.41 382.10 Td (challenge ) Tj ET Q q 0 0 0 rg BT 552.56 382.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (institution) Tj ET Q q 0 0 0 rg BT 93.34 370.10 Td (s ) Tj ET Q q 0 0 0 rg BT 99.07 370.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 151.42 370.10 Td (under ) Tj ET Q q 0 0 0 rg BT 176.03 370.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 191.74 370.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 223.57 370.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 243.73 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 253.35 370.10 Td (private ) Tj ET Q q 0 0 0 rg BT 282.95 370.10 Td (class ) Tj ET Q q 0 0 0 rg BT 304.22 370.10 Td (action ) Tj ET Q q 0 0 0 rg BT 330.49 370.10 Td (litigation. ) Tj ET Q q 0 0 0 rg BT 370.53 370.10 Td (A) Tj ET Q q 0 0 0 rg BT 377.20 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 379.03 370.10 Td (successful ) Tj ET Q q 0 0 0 rg BT 421.96 370.10 Td (challenge ) Tj ET Q q 0 0 0 rg BT 462.11 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 471.72 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 486.89 370.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 539.25 370.10 Td (under ) 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 64.85 358.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 81.35 358.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 113.97 358.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 134.93 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.00 358.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 199.06 358.10 Td (could ) Tj ET Q q 0 0 0 rg BT 223.91 358.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 264.85 358.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 294.69 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 310.65 358.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 336.60 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 362.00 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.85 358.10 Td (CRA) Tj ET Q q 0 0 0 rg BT 396.85 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 399.48 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 416.55 358.10 Td (result ) Tj ET Q q 0 0 0 rg BT 441.40 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.80 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.87 358.10 Td (wide ) Tj ET Q q 0 0 0 rg BT 480.94 358.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 511.33 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.29 358.10 Td (sanctions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (including ) Tj ET Q q 0 0 0 rg BT 90.23 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.91 346.10 Td (required ) Tj ET Q q 0 0 0 rg BT 140.68 346.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 177.57 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.36 346.10 Td (damages ) Tj ET Q q 0 0 0 rg BT 225.80 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.70 346.10 Td (civil ) Tj ET Q q 0 0 0 rg BT 262.93 346.10 Td (money ) Tj ET Q q 0 0 0 rg BT 292.60 346.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 333.10 346.10 Td (injunctive ) Tj ET Q q 0 0 0 rg BT 375.55 346.10 Td (relief, ) Tj ET Q q 0 0 0 rg BT 401.60 346.10 Td (imposition ) Tj ET Q q 0 0 0 rg BT 446.84 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.63 346.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 504.52 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 516.98 346.10 Td (mer) Tj ET Q q 0 0 0 rg BT 532.34 346.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 547.57 346.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 97.71 334.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 131.53 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.80 334.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 198.06 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 211.89 334.10 Td (expansion ) Tj ET Q q 0 0 0 rg BT 256.27 334.10 Td (activity) Tj ET Q q 0 0 0 rg BT 285.61 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 291.94 334.10 Td (which ) Tj ET Q q 0 0 0 rg BT 320.20 334.10 Td (could ) Tj ET Q q 0 0 0 rg BT 346.25 334.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 391.73 334.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 422.77 334.10 Td (our ) Tj ET Q q 0 0 0 rg BT 439.93 334.10 Td (reputation, ) Tj ET Q q 0 0 0 rg BT 486.80 334.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 527.02 334.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 90.27 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.21 322.10 Td (results ) Tj ET Q q 0 0 0 rg BT 135.82 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 146.65 322.10 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (New ) Tj ET Q q 0 0 0 rg BT 71.17 298.10 Td (or) Tj ET Q q 0 0 0 rg BT 80.43 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 82.72 298.10 Td (changing ) Tj ET Q q 0 0 0 rg BT 123.92 298.10 Td (tax, ) Tj ET Q q 0 0 0 rg BT 142.04 298.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 193.50 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.91 298.10 Td (r) Tj ET Q q 0 0 0 rg BT 216.17 298.10 Td (egulatory ) Tj ET Q q 0 0 0 rg BT 259.01 298.10 Td (rulesand ) Tj ET Q q 0 0 0 rg BT 301.03 298.10 Td (interpr) Tj ET Q q 0 0 0 rg BT 331.40 298.10 Td (etations ) Tj ET Q q 0 0 0 rg BT 367.02 298.10 Td (could ) Tj ET Q q 0 0 0 rg BT 392.65 298.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 447.17 298.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 478.90 298.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 517.84 298.10 Td (initiatives, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (r) Tj ET Q q 0 0 0 rg BT 54.26 286.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 80.65 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.48 286.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 141.48 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 162.87 286.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 190.09 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.72 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 248.44 286.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.34 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 106.11 262.10 Td (services ) Tj ET Q q 0 0 0 rg BT 141.11 262.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 176.68 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 186.14 262.10 Td (extensively ) Tj ET Q q 0 0 0 rg BT 234.48 262.10 Td (regulated. ) Tj ET Q q 0 0 0 rg BT 276.97 262.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 309.75 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.98 262.10 Td (state ) Tj ET Q q 0 0 0 rg BT 348.10 262.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 383.10 262.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 430.33 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 445.33 262.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 483.67 262.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 523.67 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 534.24 262.10 Td (protect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.00 250.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 96.67 250.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 137.77 250.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 162.77 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.00 250.10 Td (consumers, ) Tj ET Q q 0 0 0 rg BT 228.05 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 243.61 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 254.17 250.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 284.72 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 291.94 250.10 Td (company) Tj ET Q q 0 0 0 rg BT 331.37 250.10 Td (s ) Tj ET Q q 0 0 0 rg BT 338.05 250.10 Td (stockholders. ) Tj ET Q q 0 0 0 rg BT 393.68 250.10 Td (These ) Tj ET Q q 0 0 0 rg BT 420.34 250.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 467.55 250.10 Td (may ) Tj ET Q q 0 0 0 rg BT 487.55 250.10 Td (sometimes ) Tj ET Q q 0 0 0 rg BT 533.11 250.10 Td (impose ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 94.16 238.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 138.88 238.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.82 238.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 196.78 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 214.27 238.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 258.42 238.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 288.12 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.50 238.10 Td (state ) Tj ET Q q 0 0 0 rg BT 324.77 238.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 358.93 238.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 405.31 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 422.25 238.10 Td (af) Tj ET Q q 0 0 0 rg BT 429.83 238.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 446.76 238.10 Td (us ) Tj ET Q q 0 0 0 rg BT 457.60 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 471.75 238.10 Td (described ) Tj ET Q q 0 0 0 rg BT 512.01 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.73 238.10 Td (this ) Tj ET Q q 0 0 0 rg BT 538.12 238.10 Td (report ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (under ) Tj ET Q q 0 0 0 rg BT 76.73 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.91 226.10 Td (heading ) Tj ET Q q 0 0 0 rg BT 128.52 226.10 Td (Item1. ) Tj ET Q q 0 0 0 rg BT 165.25 226.10 Td (Business-Supervision ) Tj ET Q q 0 0 0 rg BT 255.88 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 274.28 226.10 Td (Regulation. ) Tj ET Q q 0 0 0 rg BT 328.77 226.10 Td (These ) Tj ET Q q 0 0 0 rg BT 356.61 226.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 407.51 226.10 Td (along ) Tj ET Q q 0 0 0 rg BT 433.68 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 455.42 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.60 226.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 511.66 226.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 547.28 226.10 Td (tax, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 97.95 214.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 139.80 214.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 182.20 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 198.22 214.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 237.56 214.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 259.98 214.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 308.49 214.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 332.01 214.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 373.86 214.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 409.05 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.07 214.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 484.41 214.10 Td (control ) Tj ET Q q 0 0 0 rg BT 514.32 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.12 214.10 Td (methods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.66 202.10 Td (which ) Tj ET Q q 0 0 0 rg BT 87.76 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 124.40 202.10 Td (institutions ) Tj ET Q q 0 0 0 rg BT 170.52 202.10 Td (conduct ) Tj ET Q q 0 0 0 rg BT 203.84 202.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 241.89 202.10 Td (implement ) Tj ET Q q 0 0 0 rg BT 286.32 202.10 Td (strategic ) Tj ET Q q 0 0 0 rg BT 321.85 202.10 Td (initiatives ) Tj ET Q q 0 0 0 rg BT 362.95 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.05 202.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 392.93 202.10 Td (compliance, ) Tj ET Q q 0 0 0 rg BT 443.18 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.28 202.10 Td (govern ) Tj ET Q q 0 0 0 rg BT 488.71 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 525.35 202.10 Td (reporting ) 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 67.30 190.10 Td (disclosures. ) Tj ET Q q 0 0 0 rg BT 116.89 190.10 Td (These ) Tj ET Q q 0 0 0 rg BT 143.63 190.10 Td (laws, ) Tj ET Q q 0 0 0 rg BT 167.32 190.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 217.11 190.10 Td (rules, ) Tj ET Q q 0 0 0 rg BT 241.91 190.10 Td (standards, ) Tj ET Q q 0 0 0 rg BT 285.04 190.10 Td (policies, ) Tj ET Q q 0 0 0 rg BT 321.50 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.80 190.10 Td (interpretations ) Tj ET Q q 0 0 0 rg BT 399.42 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 414.49 190.10 Td (constantly ) Tj ET Q q 0 0 0 rg BT 458.45 190.10 Td (evolving ) Tj ET Q q 0 0 0 rg BT 496.31 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 513.61 190.10 Td (may ) Tj ET Q q 0 0 0 rg BT 533.68 190.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 102.49 178.10 Td (over ) Tj ET Q q 0 0 0 rg BT 122.76 178.10 Td (time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 98.62 154.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 121.11 154.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 153.61 154.10 Td (could ) Tj ET Q q 0 0 0 rg BT 179.45 154.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 212.50 154.10 Td (us ) Tj ET Q q 0 0 0 rg BT 224.46 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.29 154.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 284.47 154.10 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 130.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.18 130.10 Td (are ) Tj ET Q q 0 0 0 rg BT 79.48 130.10 Td (from ) Tj ET Q q 0 0 0 rg BT 101.02 130.10 Td (time ) Tj ET Q q 0 0 0 rg BT 120.89 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 130.77 130.10 Td (time ) Tj ET Q q 0 0 0 rg BT 150.64 130.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 181.07 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.95 130.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 219.15 130.10 Td (related ) Tj ET Q q 0 0 0 rg BT 248.45 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 258.33 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 273.76 130.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 319.86 130.10 Td (These ) Tj ET Q q 0 0 0 rg BT 345.84 130.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 374.04 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.58 130.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 412.11 130.10 Td (actions, ) Tj ET Q q 0 0 0 rg BT 445.04 130.10 Td (including ) Tj ET Q q 0 0 0 rg BT 484.91 130.10 Td (supervisory ) Tj ET Q q 0 0 0 rg BT 533.67 130.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.96 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 77.24 118.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 121.69 118.10 Td (could ) Tj ET Q q 0 0 0 rg BT 145.86 118.10 Td (involve ) Tj ET Q q 0 0 0 rg BT 177.81 118.10 Td (lar) Tj ET Q q 0 0 0 rg BT 188.18 118.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 199.57 118.10 Td (monetary ) Tj ET Q q 0 0 0 rg BT 239.29 118.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 267.36 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.75 118.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 327.92 118.10 Td (defense ) Tj ET Q q 0 0 0 rg BT 360.41 118.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 384.44 118.10 Td (As ) Tj ET Q q 0 0 0 rg BT 397.51 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 403.90 118.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 430.58 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 444.20 118.10 Td (may ) Tj ET Q q 0 0 0 rg BT 463.37 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 474.77 118.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 509.49 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.23 118.10 Td (substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 92.22 106.10 Td (which ) Tj ET Q q 0 0 0 rg BT 119.16 106.10 Td (could ) Tj ET Q q 0 0 0 rg BT 143.87 106.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 188.02 106.10 Td (af) Tj ET Q q 0 0 0 rg BT 195.61 106.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 213.10 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 228.93 106.10 Td (results ) Tj ET Q q 0 0 0 rg BT 257.53 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.36 106.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 312.52 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.46 106.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 366.94 106.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td () Tj ET Q endstream endobj 53 0 obj <> endobj 54 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (26) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.17 742.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 87.23 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 98.06 742.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 130.55 742.25 Td (key ) Tj ET Q q 0 0 0 rg BT 148.05 742.25 Td (personnel ) Tj ET Q q 0 0 0 rg BT 192.22 742.25 Td (could ) Tj ET Q q 0 0 0 rg BT 218.06 742.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 263.88 742.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 290.25 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 305.07 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 307.57 742.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.63 718.25 Td (success ) Tj ET Q q 0 0 0 rg BT 99.69 718.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 134.54 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 144.39 718.25 Td (lar) Tj ET Q q 0 0 0 rg BT 154.76 718.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 166.27 718.25 Td (part ) Tj ET Q q 0 0 0 rg BT 183.89 718.25 Td (on ) Tj ET Q q 0 0 0 rg BT 195.97 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.26 718.25 Td (retention ) Tj ET Q q 0 0 0 rg BT 247.88 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.28 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 264.79 718.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 295.20 718.25 Td (number ) Tj ET Q q 0 0 0 rg BT 327.82 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 338.23 718.25 Td (key ) Tj ET Q q 0 0 0 rg BT 354.74 718.25 Td (management ) Tj ET Q q 0 0 0 rg BT 407.91 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 424.42 718.25 Td (other ) Tj ET Q q 0 0 0 rg BT 447.04 718.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 481.33 718.25 Td (personnel. ) Tj ET Q q 0 0 0 rg BT 524.64 718.25 Td (W) Tj ET Q q 0 0 0 rg BT 533.27 718.25 Td (e ) Tj ET Q q 0 0 0 rg BT 539.79 718.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (under) Tj ET Q q 0 0 0 rg BT 72.59 706.25 Td (go ) Tj ET Q q 0 0 0 rg BT 85.27 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 92.38 706.25 Td (dif) Tj ET Q q 0 0 0 rg BT 103.31 706.25 Td (ficult ) Tj ET Q q 0 0 0 rg BT 127.09 706.25 Td (transition ) Tj ET Q q 0 0 0 rg BT 167.54 706.25 Td (period ) Tj ET Q q 0 0 0 rg BT 195.76 706.25 Td (if ) Tj ET Q q 0 0 0 rg BT 204.55 706.25 Td (we ) Tj ET Q q 0 0 0 rg BT 218.89 706.25 Td (were ) Tj ET Q q 0 0 0 rg BT 240.99 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.45 706.25 Td (lose ) Tj ET Q q 0 0 0 rg BT 270.23 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.13 706.25 Td (services ) Tj ET Q q 0 0 0 rg BT 320.01 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.02 706.25 Td (any ) Tj ET Q q 0 0 0 rg BT 348.14 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.14 706.25 Td (these ) Tj ET Q q 0 0 0 rg BT 382.37 706.25 Td (individuals. ) Tj ET Q q 0 0 0 rg BT 431.99 706.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 450.22 706.25 Td (success ) Tj ET Q q 0 0 0 rg BT 482.88 706.25 Td (also ) Tj ET Q q 0 0 0 rg BT 501.67 706.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 537.12 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 706.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 96.02 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.07 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 123.12 694.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 158.06 694.25 Td (facilities) Tj ET Q q 0 0 0 rg BT 195.07 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 197.79 694.25 Td (managers ) Tj ET Q q 0 0 0 rg BT 238.83 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 255.99 694.25 Td (bankers ) Tj ET Q q 0 0 0 rg BT 289.80 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 306.96 694.25 Td (on ) Tj ET Q q 0 0 0 rg BT 319.68 694.25 Td (their ) Tj ET Q q 0 0 0 rg BT 340.73 694.25 Td (relationships ) Tj ET Q q 0 0 0 rg BT 394.55 694.25 Td (with ) Tj ET Q q 0 0 0 rg BT 415.05 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 429.99 694.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 473.25 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 490.41 694.25 Td (communities ) Tj ET Q q 0 0 0 rg BT 544.79 694.25 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (serve. ) Tj ET Q q 0 0 0 rg BT 75.92 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 93.96 682.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 112.03 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 122.86 682.25 Td (these ) Tj ET Q q 0 0 0 rg BT 145.90 682.25 Td (key ) Tj ET Q q 0 0 0 rg BT 162.84 682.25 Td (persons ) Tj ET Q q 0 0 0 rg BT 195.89 682.25 Td (could ) Tj ET Q q 0 0 0 rg BT 220.61 682.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 264.76 682.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 294.47 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.19 682.25 Td (af) Tj ET Q q 0 0 0 rg BT 316.78 682.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 343.70 682.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 378.42 682.25 Td (operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.39 658.25 Td (may ) Tj ET Q q 0 0 0 rg BT 87.22 658.25 Td (experience ) Tj ET Q q 0 0 0 rg BT 135.25 658.25 Td (futur) Tj ET Q q 0 0 0 rg BT 157.29 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 164.23 658.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 202.85 658.25 Td (impairment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (If ) Tj ET Q q 0 0 0 rg BT 58.96 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 74.59 634.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 114.11 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.74 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 139.26 634.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 155.43 634.25 Td (value ) Tj ET Q q 0 0 0 rg BT 179.39 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.02 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 205.65 634.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 243.51 634.25 Td (change ) Tj ET Q q 0 0 0 rg BT 274.13 634.25 Td (as ) Tj ET Q q 0 0 0 rg BT 284.76 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 291.50 634.25 Td (result ) Tj ET Q q 0 0 0 rg BT 316.02 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 326.65 634.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 361.16 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 371.24 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 386.87 634.25 Td (business ) Tj ET Q q 0 0 0 rg BT 423.06 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 433.69 634.25 Td (other ) Tj ET Q q 0 0 0 rg BT 456.54 634.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 488.55 634.25 Td (we ) Tj ET Q q 0 0 0 rg BT 502.51 634.25 Td (may ) Tj ET Q q 0 0 0 rg BT 522.03 634.25 Td (determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 66.94 622.25 Td (an ) Tj ET Q q 0 0 0 rg BT 78.32 622.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 126.36 622.25 Td (char) Tj ET Q q 0 0 0 rg BT 143.39 622.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 154.77 622.25 Td (is ) Tj ET Q q 0 0 0 rg BT 163.38 622.25 Td (necessary) Tj ET Q q 0 0 0 rg BT 201.60 622.25 Td (. ) Tj ET Q q 0 0 0 rg BT 206.04 622.25 Td (Estimates ) Tj ET Q q 0 0 0 rg BT 246.86 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.14 622.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 272.96 622.25 Td (value ) Tj ET Q q 0 0 0 rg BT 296.55 622.25 Td (are ) Tj ET Q q 0 0 0 rg BT 310.70 622.25 Td (based ) Tj ET Q q 0 0 0 rg BT 335.41 622.25 Td (on ) Tj ET Q q 0 0 0 rg BT 347.36 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 353.74 622.25 Td (complex ) Tj ET Q q 0 0 0 rg BT 390.11 622.25 Td (model ) Tj ET Q q 0 0 0 rg BT 417.05 622.25 Td (using, ) Tj ET Q q 0 0 0 rg BT 443.16 622.25 Td (among ) Tj ET Q q 0 0 0 rg BT 472.32 622.25 Td (other ) Tj ET Q q 0 0 0 rg BT 494.81 622.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 523.70 622.25 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.90 610.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 94.24 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.81 610.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 145.71 610.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 176.16 610.25 Td (multiples. ) Tj ET Q q 0 0 0 rg BT 218.01 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 220.14 610.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 246.70 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 258.83 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 273.17 610.25 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.88 610.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.88 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 342.01 610.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 379.69 610.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 427.92 610.25 Td (testing, ) Tj ET Q q 0 0 0 rg BT 459.21 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.55 610.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 489.55 610.25 Td (values ) Tj ET Q q 0 0 0 rg BT 517.23 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.68 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.03 610.25 Td (three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.89 598.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 115.07 598.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 153.02 598.25 Td (leasing ) Tj ET Q q 0 0 0 rg BT 184.58 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.25 598.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 243.25 598.25 Td (banking, ) Tj ET Q q 0 0 0 rg BT 281.20 598.25 Td (were ) Tj ET Q q 0 0 0 rg BT 303.86 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 314.88 598.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 344.21 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 355.77 598.25 Td (their ) Tj ET Q q 0 0 0 rg BT 377.33 598.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 413.88 598.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 443.77 598.25 Td (If ) Tj ET Q q 0 0 0 rg BT 453.66 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.12 598.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 486.23 598.25 Td (values ) Tj ET Q q 0 0 0 rg BT 515.01 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.57 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 598.25 Td (three ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.50 586.25 Td (units ) Tj ET Q q 0 0 0 rg BT 111.79 586.25 Td (were ) Tj ET Q q 0 0 0 rg BT 134.06 586.25 Td (less ) Tj ET Q q 0 0 0 rg BT 151.91 586.25 Td (than ) Tj ET Q q 0 0 0 rg BT 171.97 586.25 Td (their ) Tj ET Q q 0 0 0 rg BT 193.13 586.25 Td (book ) Tj ET Q q 0 0 0 rg BT 215.98 586.25 Td (value ) Tj ET Q q 0 0 0 rg BT 240.48 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 251.65 586.25 Td (total ) Tj ET Q q 0 0 0 rg BT 272.27 586.25 Td (common ) Tj ET Q q 0 0 0 rg BT 310.10 586.25 Td (stockholders' ) Tj ET Q q 0 0 0 rg BT 365.30 586.25 Td (equity) Tj ET Q q 0 0 0 rg BT 389.64 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 394.98 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.04 586.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 451.77 586.25 Td (will ) Tj ET Q q 0 0 0 rg BT 470.17 586.25 Td (consider ) Tj ET Q q 0 0 0 rg BT 506.90 586.25 Td (this ) Tj ET Q q 0 0 0 rg BT 524.19 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.47 586.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 81.36 574.25 Td (including ) Tj ET Q q 0 0 0 rg BT 120.78 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.65 574.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 180.16 574.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 199.58 574.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 223.45 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.43 574.25 Td (each ) Tj ET Q q 0 0 0 rg BT 253.40 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.38 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 277.24 574.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 315.55 574.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 339.14 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 348.57 574.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 390.20 574.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 424.06 574.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 461.26 574.25 Td (is ) Tj ET Q q 0 0 0 rg BT 469.58 574.25 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 509.27 574.25 Td (No ) Tj ET Q q 0 0 0 rg BT 523.15 574.25 Td (assurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (can ) Tj ET Q q 0 0 0 rg BT 66.37 562.25 Td (be ) Tj ET Q q 0 0 0 rg BT 78.31 562.25 Td (given ) Tj ET Q q 0 0 0 rg BT 103.02 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 120.51 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.22 562.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 176.60 562.25 Td (will ) Tj ET Q q 0 0 0 rg BT 194.65 562.25 Td (not ) Tj ET Q q 0 0 0 rg BT 209.93 562.25 Td (record ) Tj ET Q q 0 0 0 rg BT 237.96 562.25 Td (an ) Tj ET Q q 0 0 0 rg BT 249.89 562.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 298.49 562.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 316.54 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 329.04 562.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 367.09 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 377.36 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 392.08 562.25 Td (future ) Tj ET Q q 0 0 0 rg BT 418.45 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 435.38 562.25 Td (any ) Tj ET Q q 0 0 0 rg BT 452.31 562.25 Td (such ) Tj ET Q q 0 0 0 rg BT 473.14 562.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 521.73 562.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 539.79 562.25 Td (could ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 550.25 Td (a ) Tj ET Q q 0 0 0 rg BT 78.32 550.25 Td (material ) Tj ET Q q 0 0 0 rg BT 113.57 550.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 146.61 550.25 Td (ef) Tj ET Q q 0 0 0 rg BT 154.20 550.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 171.68 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 184.18 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 200.01 550.25 Td (results ) Tj ET Q q 0 0 0 rg BT 228.62 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.45 550.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 283.61 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 300.55 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 338.03 550.25 Td (condition. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 526.25 Td (futur) Tj ET Q q 0 0 0 rg BT 92.14 526.25 Td (e ) Tj ET Q q 0 0 0 rg BT 99.08 526.25 Td (success ) Tj ET Q q 0 0 0 rg BT 132.13 526.25 Td (is ) Tj ET Q q 0 0 0 rg BT 141.30 526.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 188.25 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 201.31 526.25 Td (our) Tj ET Q q 0 0 0 rg BT 216.13 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 218.63 526.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 248.36 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.19 526.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 297.23 526.25 Td (effectively ) Tj ET Q q 0 0 0 rg BT 343.03 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 353.87 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.70 526.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 398.88 526.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 450.80 526.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 488.33 526.25 Td (industry) Tj ET Q q 0 0 0 rg BT 523.90 526.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 502.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.40 502.25 Td (face ) Tj ET Q q 0 0 0 rg BT 84.38 502.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 129.48 502.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 179.58 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 189.68 502.25 Td (all ) Tj ET Q q 0 0 0 rg BT 202.01 502.25 Td (phases ) Tj ET Q q 0 0 0 rg BT 230.99 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 241.65 502.25 Td (our ) Tj ET Q q 0 0 0 rg BT 257.31 502.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 301.29 502.25 Td (from ) Tj ET Q q 0 0 0 rg BT 323.06 502.25 Td (a ) Tj ET Q q 0 0 0 rg BT 329.83 502.25 Td (variety ) Tj ET Q q 0 0 0 rg BT 359.92 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.58 502.25 Td (competitors. ) Tj ET Q q 0 0 0 rg BT 422.62 502.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 440.50 502.25 Td (future ) Tj ET Q q 0 0 0 rg BT 466.70 502.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 497.36 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 514.13 502.25 Td (success ) Tj ET Q q 0 0 0 rg BT 546.45 502.25 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (depend ) Tj ET Q q 0 0 0 rg BT 82.73 490.25 Td (on ) Tj ET Q q 0 0 0 rg BT 96.59 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 113.77 490.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 143.18 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 154.81 490.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 192.54 490.25 Td (ef) Tj ET Q q 0 0 0 rg BT 200.13 490.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 238.96 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 250.60 490.25 Td (this ) Tj ET Q q 0 0 0 rg BT 268.90 490.25 Td (highly ) Tj ET Q q 0 0 0 rg BT 298.31 490.25 Td (competitive ) Tj ET Q q 0 0 0 rg BT 349.37 490.25 Td (environment. ) Tj ET Q q 0 0 0 rg BT 405.99 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 411.40 490.25 Td (o ) Tj ET Q q 0 0 0 rg BT 420.26 490.25 Td (date, ) Tj ET Q q 0 0 0 rg BT 443.27 490.25 Td (we ) Tj ET Q q 0 0 0 rg BT 458.78 490.25 Td (have ) Tj ET Q q 0 0 0 rg BT 481.51 490.25 Td (grown ) Tj ET Q q 0 0 0 rg BT 510.92 490.25 Td (our ) Tj ET Q q 0 0 0 rg BT 528.11 490.25 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 102.48 478.25 Td (by ) Tj ET Q q 0 0 0 rg BT 116.09 478.25 Td (focusing ) Tj ET Q q 0 0 0 rg BT 154.13 478.25 Td (on ) Tj ET Q q 0 0 0 rg BT 167.74 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 184.67 478.25 Td (business ) Tj ET Q q 0 0 0 rg BT 222.17 478.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 244.66 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.70 478.25 Td (emphasizing ) Tj ET Q q 0 0 0 rg BT 316.85 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 332.67 478.25 Td (high ) Tj ET Q q 0 0 0 rg BT 354.05 478.25 Td (level ) Tj ET Q q 0 0 0 rg BT 377.09 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 389.03 478.25 Td (service ) Tj ET Q q 0 0 0 rg BT 420.95 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 438.99 478.25 Td (responsiveness ) Tj ET Q q 0 0 0 rg BT 502.59 478.25 Td (desired ) Tj ET Q q 0 0 0 rg BT 535.07 478.25 Td (by ) Tj ET Q q 0 0 0 rg BT 548.67 478.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 94.26 466.25 Td (W) Tj ET Q q 0 0 0 rg BT 102.90 466.25 Td (e ) Tj ET Q q 0 0 0 rg BT 108.65 466.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 143.83 466.25 Td (for ) Tj ET Q q 0 0 0 rg BT 156.79 466.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 181.71 466.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 215.80 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 231.55 466.25 Td (other ) Tj ET Q q 0 0 0 rg BT 253.40 466.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 289.69 466.25 Td (services ) Tj ET Q q 0 0 0 rg BT 323.21 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 342.29 466.25 Td (other ) Tj ET Q q 0 0 0 rg BT 364.15 466.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 412.65 466.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 439.79 466.25 Td (thrifts, ) Tj ET Q q 0 0 0 rg BT 467.49 466.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 491.56 466.25 Td (unions, ) Tj ET Q q 0 0 0 rg BT 522.04 466.25 Td (brokerage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (houses, ) Tj ET Q q 0 0 0 rg BT 81.14 454.25 Td (mutual ) Tj ET Q q 0 0 0 rg BT 110.33 454.25 Td (funds, ) Tj ET Q q 0 0 0 rg BT 136.46 454.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 176.19 454.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 220.37 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 236.22 454.25 Td (specialized ) Tj ET Q q 0 0 0 rg BT 282.06 454.25 Td (finance ) Tj ET Q q 0 0 0 rg BT 312.90 454.25 Td (companies. ) Tj ET Q q 0 0 0 rg BT 359.58 454.25 Td (Many ) Tj ET Q q 0 0 0 rg BT 384.32 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 394.07 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 408.81 454.25 Td (competitors ) Tj ET Q q 0 0 0 rg BT 457.44 454.25 Td (of) Tj ET Q q 0 0 0 rg BT 465.59 454.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 478.10 454.25 Td (products ) Tj ET Q q 0 0 0 rg BT 513.96 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 529.81 454.25 Td (services ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (which ) Tj ET Q q 0 0 0 rg BT 77.00 442.25 Td (we ) Tj ET Q q 0 0 0 rg BT 91.22 442.25 Td (do ) Tj ET Q q 0 0 0 rg BT 103.78 442.25 Td (not ) Tj ET Q q 0 0 0 rg BT 119.12 442.25 Td (of) Tj ET Q q 0 0 0 rg BT 127.27 442.25 Td (fer) Tj ET Q q 0 0 0 rg BT 137.97 442.25 Td (, ) Tj ET Q q 0 0 0 rg BT 143.03 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 160.03 442.25 Td (many ) Tj ET Q q 0 0 0 rg BT 184.81 442.25 Td (have ) Tj ET Q q 0 0 0 rg BT 206.25 442.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 259.36 442.25 Td (greater ) Tj ET Q q 0 0 0 rg BT 289.67 442.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 329.99 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.99 442.25 Td (lending ) Tj ET Q q 0 0 0 rg BT 379.55 442.25 Td (limits, ) Tj ET Q q 0 0 0 rg BT 407.39 442.25 Td (name ) Tj ET Q q 0 0 0 rg BT 431.61 442.25 Td (recognition ) Tj ET Q q 0 0 0 rg BT 479.71 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.71 442.25 Td (market ) Tj ET Q q 0 0 0 rg BT 527.04 442.25 Td (presence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.28 430.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 97.33 430.25 Td (them ) Tj ET Q q 0 0 0 rg BT 119.61 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.68 430.25 Td (attracting ) Tj ET Q q 0 0 0 rg BT 169.72 430.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 208.40 430.25 Td (In ) Tj ET Q q 0 0 0 rg BT 219.02 430.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 256.58 430.25 Td (lar) Tj ET Q q 0 0 0 rg BT 266.95 430.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 282.00 430.25 Td (competitors ) Tj ET Q q 0 0 0 rg BT 331.50 430.25 Td (may ) Tj ET Q q 0 0 0 rg BT 351.00 430.25 Td (be ) Tj ET Q q 0 0 0 rg BT 362.73 430.25 Td (able ) Tj ET Q q 0 0 0 rg BT 381.67 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 391.73 430.25 Td (price ) Tj ET Q q 0 0 0 rg BT 414.01 430.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.40 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 454.13 430.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 489.19 430.25 Td (more ) Tj ET Q q 0 0 0 rg BT 512.02 430.25 Td (aggressively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (than ) Tj ET Q q 0 0 0 rg BT 70.03 418.25 Td (we ) Tj ET Q q 0 0 0 rg BT 84.50 418.25 Td (do, ) Tj ET Q q 0 0 0 rg BT 99.82 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 117.07 418.25 Td (smaller ) Tj ET Q q 0 0 0 rg BT 149.32 418.25 Td (newer ) Tj ET Q q 0 0 0 rg BT 176.56 418.25 Td (competitors ) Tj ET Q q 0 0 0 rg BT 226.59 418.25 Td (may ) Tj ET Q q 0 0 0 rg BT 246.62 418.25 Td (also ) Tj ET Q q 0 0 0 rg BT 265.54 418.25 Td (be ) Tj ET Q q 0 0 0 rg BT 277.79 418.25 Td (more ) Tj ET Q q 0 0 0 rg BT 301.15 418.25 Td (aggressive ) Tj ET Q q 0 0 0 rg BT 346.17 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 356.77 418.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 381.80 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 392.94 418.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 424.08 418.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 444.11 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 461.36 418.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 493.06 418.25 Td (products ) Tj ET Q q 0 0 0 rg BT 530.32 418.25 Td (than ) Tj ET Q q 0 0 0 rg BT 550.35 418.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.58 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 74.73 406.25 Td (order ) Tj ET Q q 0 0 0 rg BT 98.21 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 108.36 406.25 Td (obtain ) Tj ET Q q 0 0 0 rg BT 135.73 406.25 Td (a ) Tj ET Q q 0 0 0 rg BT 142.54 406.25 Td (share ) Tj ET Q q 0 0 0 rg BT 166.02 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 176.72 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.31 406.25 Td (market. ) Tj ET Q q 0 0 0 rg BT 223.95 406.25 Td (Some ) Tj ET Q q 0 0 0 rg BT 249.10 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 259.81 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.40 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 311.75 406.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 358.58 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 375.39 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 412.75 406.25 Td (services ) Tj ET Q q 0 0 0 rg BT 447.33 406.25 Td (or) Tj ET Q q 0 0 0 rg BT 455.48 406.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 503.40 406.25 Td (with ) Tj ET Q q 0 0 0 rg BT 523.55 406.25 Td (which ) Tj ET Q q 0 0 0 rg BT 550.36 406.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (compete ) Tj ET Q q 0 0 0 rg BT 85.49 394.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.32 394.25 Td (not ) Tj ET Q q 0 0 0 rg BT 113.72 394.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 143.67 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 153.07 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.90 394.25 Td (same ) Tj ET Q q 0 0 0 rg BT 189.07 394.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 217.34 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.29 394.25 Td (regulation ) Tj ET Q q 0 0 0 rg BT 269.45 394.25 Td (as ) Tj ET Q q 0 0 0 rg BT 279.40 394.25 Td (is ) Tj ET Q q 0 0 0 rg BT 287.70 394.25 Td (imposed ) Tj ET Q q 0 0 0 rg BT 323.20 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 334.82 394.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 355.88 394.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 388.06 394.25 Td (companies, ) Tj ET Q q 0 0 0 rg BT 434.95 394.25 Td (federally ) Tj ET Q q 0 0 0 rg BT 472.10 394.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 503.16 394.25 Td (state-chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.83 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 92.76 382.25 Td (national ) Tj ET Q q 0 0 0 rg BT 127.47 382.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 153.30 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 170.23 382.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 200.48 382.25 Td (savings ) Tj ET Q q 0 0 0 rg BT 232.98 382.25 Td (banks. ) Tj ET Q q 0 0 0 rg BT 261.31 382.25 Td (In ) Tj ET Q q 0 0 0 rg BT 272.13 382.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 309.90 382.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 350.15 382.25 Td (competition ) Tj ET Q q 0 0 0 rg BT 400.42 382.25 Td (among ) Tj ET Q q 0 0 0 rg BT 430.13 382.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 467.61 382.25 Td (services ) Tj ET Q q 0 0 0 rg BT 502.31 382.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 547.57 382.25 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 61.07 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.59 370.25 Td (recent ) Tj ET Q q 0 0 0 rg BT 104.31 370.25 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 161.48 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.11 370.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 203.61 370.25 Td (competing ) Tj ET Q q 0 0 0 rg BT 249.12 370.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 287.39 370.25 Td (institutions ) Tj ET Q q 0 0 0 rg BT 335.14 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 352.88 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.39 370.25 Td (conversion ) Tj ET Q q 0 0 0 rg BT 415.56 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 427.19 370.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 457.69 370.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 504.86 370.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 531.49 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 542.56 370.25 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.19 358.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 126.58 358.25 Td (may ) Tj ET Q q 0 0 0 rg BT 145.43 358.25 Td (negatively ) Tj ET Q q 0 0 0 rg BT 188.71 358.25 Td (af) Tj ET Q q 0 0 0 rg BT 196.30 358.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 212.92 358.25 Td (our ) Tj ET Q q 0 0 0 rg BT 227.88 358.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 255.06 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 264.47 358.25 Td (successfully ) Tj ET Q q 0 0 0 rg BT 314.98 358.25 Td (market ) Tj ET Q q 0 0 0 rg BT 344.37 358.25 Td (our ) Tj ET Q q 0 0 0 rg BT 359.33 358.25 Td (products ) Tj ET Q q 0 0 0 rg BT 395.40 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.47 358.25 Td (services. ) Tj ET Q q 0 0 0 rg BT 447.45 358.25 Td (As ) Tj ET Q q 0 0 0 rg BT 460.19 358.25 Td (a ) Tj ET Q q 0 0 0 rg BT 466.26 358.25 Td (result, ) Tj ET Q q 0 0 0 rg BT 492.61 358.25 Td (these ) Tj ET Q q 0 0 0 rg BT 514.79 358.25 Td (competitors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (have ) Tj ET Q q 0 0 0 rg BT 71.38 346.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 101.08 346.25 Td (advantages ) Tj ET Q q 0 0 0 rg BT 148.00 346.25 Td (over ) Tj ET Q q 0 0 0 rg BT 168.27 346.25 Td (us ) Tj ET Q q 0 0 0 rg BT 179.66 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 189.94 346.25 Td (accessing ) Tj ET Q q 0 0 0 rg BT 230.76 346.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 264.37 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 281.30 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 291.58 346.25 Td (providing ) Tj ET Q q 0 0 0 rg BT 332.97 346.25 Td (various ) Tj ET Q q 0 0 0 rg BT 364.91 346.25 Td (services.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 322.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 117.60 322.25 Td (r) Tj ET Q q 0 0 0 rg BT 121.86 322.25 Td (ely ) Tj ET Q q 0 0 0 rg BT 136.57 322.25 Td (on ) Tj ET Q q 0 0 0 rg BT 149.63 322.25 Td (numer) Tj ET Q q 0 0 0 rg BT 177.78 322.25 Td (ous ) Tj ET Q q 0 0 0 rg BT 194.74 322.25 Td (external ) Tj ET Q q 0 0 0 rg BT 232.22 322.25 Td (vendors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 298.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.39 298.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 83.24 298.25 Td (on ) Tj ET Q q 0 0 0 rg BT 95.55 298.25 Td (numerous ) Tj ET Q q 0 0 0 rg BT 137.30 298.25 Td (external ) Tj ET Q q 0 0 0 rg BT 171.81 298.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 205.78 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 215.87 298.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 248.73 298.25 Td (us ) Tj ET Q q 0 0 0 rg BT 259.93 298.25 Td (with ) Tj ET Q q 0 0 0 rg BT 280.01 298.25 Td (products ) Tj ET Q q 0 0 0 rg BT 316.76 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.51 298.25 Td (services ) Tj ET Q q 0 0 0 rg BT 368.03 298.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 409.20 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.29 298.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 456.59 298.25 Td (our ) Tj ET Q q 0 0 0 rg BT 472.23 298.25 Td (day-to-day ) Tj ET Q q 0 0 0 rg BT 517.86 298.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 564.51 298.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 99.34 286.25 Td (, ) Tj ET Q q 0 0 0 rg BT 103.58 286.25 Td (our ) Tj ET Q q 0 0 0 rg BT 118.66 286.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 162.06 286.25 Td (are ) Tj ET Q q 0 0 0 rg BT 176.02 286.25 Td (exposed ) Tj ET Q q 0 0 0 rg BT 210.53 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 220.06 286.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 236.80 286.25 Td (that ) Tj ET Q q 0 0 0 rg BT 253.55 286.25 Td (these ) Tj ET Q q 0 0 0 rg BT 275.84 286.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 309.25 286.25 Td (will ) Tj ET Q q 0 0 0 rg BT 326.55 286.25 Td (not ) Tj ET Q q 0 0 0 rg BT 341.08 286.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 375.03 286.25 Td (in ) Tj ET Q q 0 0 0 rg BT 384.56 286.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 431.26 286.25 Td (with ) Tj ET Q q 0 0 0 rg BT 450.79 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.75 286.25 Td (contracted ) Tj ET Q q 0 0 0 rg BT 508.14 286.25 Td (arrangements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (under ) Tj ET Q q 0 0 0 rg BT 74.61 274.25 Td (service ) Tj ET Q q 0 0 0 rg BT 104.78 274.25 Td (level ) Tj ET Q q 0 0 0 rg BT 126.05 274.25 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 175.80 274.25 Td (The ) Tj ET Q q 0 0 0 rg BT 193.19 274.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 221.13 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.31 274.25 Td (an ) Tj ET Q q 0 0 0 rg BT 242.59 274.25 Td (external ) Tj ET Q q 0 0 0 rg BT 276.64 274.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 306.25 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 315.88 274.25 Td (perform ) Tj ET Q q 0 0 0 rg BT 349.93 274.25 Td (in ) Tj ET Q q 0 0 0 rg BT 359.55 274.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 406.36 274.25 Td (with ) Tj ET Q q 0 0 0 rg BT 425.98 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.05 274.25 Td (contracted ) Tj ET Q q 0 0 0 rg BT 483.53 274.25 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 539.24 274.25 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (service ) Tj ET Q q 0 0 0 rg BT 81.65 262.25 Td (level ) Tj ET Q q 0 0 0 rg BT 104.42 262.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 153.28 262.25 Td (because ) Tj ET Q q 0 0 0 rg BT 188.26 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 199.93 262.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 235.47 262.25 Td (in ) Tj ET Q q 0 0 0 rg BT 246.58 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 262.13 262.25 Td (vendor's ) Tj ET Q q 0 0 0 rg BT 298.93 262.25 Td (or) Tj ET Q q 0 0 0 rg BT 307.08 262.25 Td (ganizational ) Tj ET Q q 0 0 0 rg BT 359.28 262.25 Td (structure, ) Tj ET Q q 0 0 0 rg BT 400.10 262.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.41 262.25 Td (condition, ) Tj ET Q q 0 0 0 rg BT 482.02 262.25 Td (support ) Tj ET Q q 0 0 0 rg BT 515.35 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 530.35 262.25 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (products ) Tj ET Q q 0 0 0 rg BT 86.83 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 103.67 250.25 Td (services ) Tj ET Q q 0 0 0 rg BT 138.27 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 149.00 250.25 Td (strategic ) Tj ET Q q 0 0 0 rg BT 185.27 250.25 Td (focus ) Tj ET Q q 0 0 0 rg BT 209.33 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 220.05 250.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.11 250.25 Td (any ) Tj ET Q q 0 0 0 rg BT 250.94 250.25 Td (other ) Tj ET Q q 0 0 0 rg BT 273.89 250.25 Td (reason, ) Tj ET Q q 0 0 0 rg BT 304.88 250.25 Td (could ) Tj ET Q q 0 0 0 rg BT 329.50 250.25 Td (be ) Tj ET Q q 0 0 0 rg BT 341.33 250.25 Td (disruptive ) Tj ET Q q 0 0 0 rg BT 383.72 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 393.90 250.25 Td (our ) Tj ET Q q 0 0 0 rg BT 409.62 250.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 456.17 250.25 Td (which ) Tj ET Q q 0 0 0 rg BT 483.01 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 493.18 250.25 Td (turn ) Tj ET Q q 0 0 0 rg BT 511.69 250.25 Td (could ) Tj ET Q q 0 0 0 rg BT 536.30 250.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.58 250.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (material ) Tj ET Q q 0 0 0 rg BT 85.31 238.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 121.74 238.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 151.50 238.25 Td (on ) Tj ET Q q 0 0 0 rg BT 164.06 238.25 Td (our ) Tj ET Q q 0 0 0 rg BT 179.94 238.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 217.48 238.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 257.80 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 274.79 238.25 Td (results ) Tj ET Q q 0 0 0 rg BT 303.46 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 314.34 238.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 361.05 238.25 Td ( ) Tj ET Q q 0 0 0 rg BT 363.60 238.25 Td ( ) Tj ET Q q 0 0 0 rg BT 365.97 238.25 Td (W) Tj ET Q q 0 0 0 rg BT 374.61 238.25 Td (e ) Tj ET Q q 0 0 0 rg BT 381.60 238.25 Td (also ) Tj ET Q q 0 0 0 rg BT 400.26 238.25 Td (could ) Tj ET Q q 0 0 0 rg BT 425.04 238.25 Td (be ) Tj ET Q q 0 0 0 rg BT 437.03 238.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 477.90 238.25 Td (af) Tj ET Q q 0 0 0 rg BT 485.48 238.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 512.46 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 522.79 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 537.56 238.25 Td (extent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 226.25 Td (an ) Tj ET Q q 0 0 0 rg BT 82.77 226.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 126.91 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 136.08 226.25 Td (not ) Tj ET Q q 0 0 0 rg BT 151.36 226.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 187.72 226.25 Td (by ) Tj ET Q q 0 0 0 rg BT 200.22 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.94 226.25 Td (third ) Tj ET Q q 0 0 0 rg BT 236.33 226.25 Td (party ) Tj ET Q q 0 0 0 rg BT 259.38 226.25 Td (vendor ) Tj ET Q q 0 0 0 rg BT 289.64 226.25 Td (or ) Tj ET Q q 0 0 0 rg BT 300.47 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 309.64 226.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 346.01 226.25 Td (on ) Tj ET Q q 0 0 0 rg BT 358.51 226.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 383.23 226.25 Td (less ) Tj ET Q q 0 0 0 rg BT 400.73 226.25 Td (favorable ) Tj ET Q q 0 0 0 rg BT 440.98 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.26 226.25 Td (us.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 69.81 202.25 Td (inaccurate ) Tj ET Q q 0 0 0 rg BT 116.82 202.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 171.64 202.25 Td (in ) Tj ET Q q 0 0 0 rg BT 182.00 202.25 Td (our) Tj ET Q q 0 0 0 rg BT 196.82 202.25 Td ( ) Tj ET Q q 0 0 0 rg BT 198.85 202.25 Td (analytical ) Tj ET Q q 0 0 0 rg BT 242.53 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 260.68 202.25 Td (for) Tj ET Q q 0 0 0 rg BT 273.27 202.25 Td (ecasting ) Tj ET Q q 0 0 0 rg BT 309.73 202.25 Td (models ) Tj ET Q q 0 0 0 rg BT 341.76 202.25 Td (could ) Tj ET Q q 0 0 0 rg BT 367.12 202.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 392.47 202.25 Td (us ) Tj ET Q q 0 0 0 rg BT 403.95 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.30 202.25 Td (miscalculate ) Tj ET Q q 0 0 0 rg BT 469.09 202.25 Td (our) Tj ET Q q 0 0 0 rg BT 483.91 202.25 Td ( ) Tj ET Q q 0 0 0 rg BT 485.94 202.25 Td (pr) Tj ET Q q 0 0 0 rg BT 495.75 202.25 Td (ojected ) Tj ET Q q 0 0 0 rg BT 528.32 202.25 Td (r) Tj ET Q q 0 0 0 rg BT 532.57 202.25 Td (evenue ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (or) Tj ET Q q 0 0 0 rg BT 59.26 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 61.76 190.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 90.65 190.25 Td (which ) Tj ET Q q 0 0 0 rg BT 118.71 190.25 Td (could ) Tj ET Q q 0 0 0 rg BT 144.55 190.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 187.60 190.25 Td (affect ) Tj ET Q q 0 0 0 rg BT 213.96 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 229.79 190.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 280.64 190.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 328.68 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 339.51 190.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 387.01 190.25 Td (or) Tj ET Q q 0 0 0 rg BT 396.27 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 398.77 190.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.50 190.25 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 166.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.64 166.25 Td (use ) Tj ET Q q 0 0 0 rg BT 81.53 166.25 Td (analytical ) Tj ET Q q 0 0 0 rg BT 122.96 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 139.97 166.25 Td (forecasting ) Tj ET Q q 0 0 0 rg BT 186.95 166.25 Td (models ) Tj ET Q q 0 0 0 rg BT 218.40 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 228.75 166.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 264.63 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 279.41 166.25 Td (ef) Tj ET Q q 0 0 0 rg BT 287.00 166.25 Td (fects ) Tj ET Q q 0 0 0 rg BT 308.44 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 319.33 166.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 360.77 166.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 405.00 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 417.56 166.25 Td (our ) Tj ET Q q 0 0 0 rg BT 433.45 166.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 471.00 166.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 496.89 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 513.89 166.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 553.67 166.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (well ) Tj ET Q q 0 0 0 rg BT 70.02 154.25 Td (as ) Tj ET Q q 0 0 0 rg BT 81.15 154.25 Td (our ) Tj ET Q q 0 0 0 rg BT 97.27 154.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 137.84 154.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 177.29 154.25 Td (rights. ) Tj ET Q q 0 0 0 rg BT 205.37 154.25 Td ( ) Tj ET Q q 0 0 0 rg BT 207.97 154.25 Td (Those ) Tj ET Q q 0 0 0 rg BT 235.20 154.25 Td (models ) Tj ET Q q 0 0 0 rg BT 266.89 154.25 Td (include ) Tj ET Q q 0 0 0 rg BT 299.12 154.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 351.37 154.25 Td (about ) Tj ET Q q 0 0 0 rg BT 376.39 154.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 408.62 154.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 430.30 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 447.53 154.25 Td (consumer ) Tj ET Q q 0 0 0 rg BT 489.21 154.25 Td (behavior ) Tj ET Q q 0 0 0 rg BT 527.00 154.25 Td (that ) Tj ET Q q 0 0 0 rg BT 544.79 154.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (be ) Tj ET Q q 0 0 0 rg BT 61.20 142.25 Td (incorrect. ) Tj ET Q q 0 0 0 rg BT 101.00 142.25 Td ( ) Tj ET Q q 0 0 0 rg BT 102.76 142.25 Td (If ) Tj ET Q q 0 0 0 rg BT 111.18 142.25 Td (our ) Tj ET Q q 0 0 0 rg BT 126.27 142.25 Td (model ) Tj ET Q q 0 0 0 rg BT 153.03 142.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 204.24 142.25 Td (are ) Tj ET Q q 0 0 0 rg BT 218.21 142.25 Td (incorrect, ) Tj ET Q q 0 0 0 rg BT 258.01 142.25 Td (improperly ) Tj ET Q q 0 0 0 rg BT 304.20 142.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 335.40 142.25 Td (or ) Tj ET Q q 0 0 0 rg BT 345.49 142.25 Td (inadequate, ) Tj ET Q q 0 0 0 rg BT 393.07 142.25 Td (we ) Tj ET Q q 0 0 0 rg BT 406.49 142.25 Td (may ) Tj ET Q q 0 0 0 rg BT 425.47 142.25 Td (record ) Tj ET Q q 0 0 0 rg BT 452.77 142.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 480.08 142.25 Td (than ) Tj ET Q q 0 0 0 rg BT 499.06 142.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 536.35 142.25 Td ( ) Tj ET Q q 0 0 0 rg BT 538.12 142.25 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.25 130.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 86.93 130.25 Td (than ) Tj ET Q q 0 0 0 rg BT 107.07 130.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 145.52 130.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 183.97 130.25 Td (which ) Tj ET Q q 0 0 0 rg BT 211.33 130.25 Td (could ) Tj ET Q q 0 0 0 rg BT 236.46 130.25 Td (have ) Tj ET Q q 0 0 0 rg BT 258.26 130.25 Td (a ) Tj ET Q q 0 0 0 rg BT 265.61 130.25 Td (material ) Tj ET Q q 0 0 0 rg BT 301.29 130.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 334.74 130.25 Td (ef) Tj ET Q q 0 0 0 rg BT 342.33 130.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 360.23 130.25 Td (on ) Tj ET Q q 0 0 0 rg BT 373.15 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 389.40 130.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 428.71 130.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 466.61 130.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 507.30 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.65 130.25 Td (results ) Tj ET Q q 0 0 0 rg BT 553.68 130.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (operations.) Tj ET Q endstream endobj 55 0 obj <> endobj 56 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (27) Tj ET Q BT /F2 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 59.45 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.39 742.25 Td (ar) Tj ET Q q 0 0 0 rg BT 75.64 742.25 Td (e ) Tj ET Q q 0 0 0 rg BT 82.58 742.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 115.63 742.25 Td (to ) Tj ET Q q 0 0 0 rg BT 126.46 742.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 158.95 742.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 182.01 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.85 742.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 241.46 742.25 Td (with ) Tj ET Q q 0 0 0 rg BT 262.85 742.25 Td (our) Tj ET Q q 0 0 0 rg BT 277.67 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 280.17 742.25 Td (use ) Tj ET Q q 0 0 0 rg BT 296.56 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 307.39 742.25 Td (technology) Tj ET Q q 0 0 0 rg BT 352.95 742.25 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.61 718.25 Td (security ) Tj ET Q q 0 0 0 rg BT 102.77 718.25 Td (measur) Tj ET Q q 0 0 0 rg BT 131.84 718.25 Td (es ) Tj ET Q q 0 0 0 rg BT 142.67 718.25 Td (may ) Tj ET Q q 0 0 0 rg BT 161.83 718.25 Td (not ) Tj ET Q q 0 0 0 rg BT 177.11 718.25 Td (be ) Tj ET Q q 0 0 0 rg BT 189.05 718.25 Td (sufficient ) Tj ET Q q 0 0 0 rg BT 228.21 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 238.49 718.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 273.76 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 288.48 718.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 305.98 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 316.25 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 323.75 718.25 Td (cyber ) Tj ET Q q 0 0 0 rg BT 348.46 718.25 Td (attack ) Tj ET Q q 0 0 0 rg BT 375.40 718.25 Td (or ) Tj ET Q q 0 0 0 rg BT 386.79 718.25 Td (cyber ) Tj ET Q q 0 0 0 rg BT 411.49 718.25 Td (theft.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (Communications ) Tj ET Q q 0 0 0 rg BT 121.41 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.93 694.25 Td (information ) Tj ET Q q 0 0 0 rg BT 189.22 694.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 223.96 694.25 Td (are ) Tj ET Q q 0 0 0 rg BT 239.25 694.25 Td (essential ) Tj ET Q q 0 0 0 rg BT 276.76 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.62 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.92 694.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 337.65 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 349.06 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 365.47 694.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 404.94 694.25 Td (as ) Tj ET Q q 0 0 0 rg BT 416.35 694.25 Td (we ) Tj ET Q q 0 0 0 rg BT 431.08 694.25 Td (use ) Tj ET Q q 0 0 0 rg BT 447.49 694.25 Td (such ) Tj ET Q q 0 0 0 rg BT 468.90 694.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 503.65 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 514.51 694.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 548.68 694.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 90.42 682.25 Td (relationships, ) Tj ET Q q 0 0 0 rg BT 147.78 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 164.87 682.25 Td (general ) Tj ET Q q 0 0 0 rg BT 198.06 682.25 Td (ledger ) Tj ET Q q 0 0 0 rg BT 226.80 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 245.00 682.25 Td (virtually ) Tj ET Q q 0 0 0 rg BT 282.65 682.25 Td (all ) Tj ET Q q 0 0 0 rg BT 296.40 682.25 Td (other ) Tj ET Q q 0 0 0 rg BT 320.71 682.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 353.35 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 365.44 682.25 Td (our ) Tj ET Q q 0 0 0 rg BT 382.53 682.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 422.69 682.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 442.00 682.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 487.41 682.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 506.72 682.25 Td (on ) Tj ET Q q 0 0 0 rg BT 520.48 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 682.25 Td (secure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (processing, ) Tj ET Q q 0 0 0 rg BT 97.71 670.25 Td (storage, ) Tj ET Q q 0 0 0 rg BT 131.53 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 148.41 670.25 Td (transmission ) Tj ET Q q 0 0 0 rg BT 201.40 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 212.17 670.25 Td (confidential ) Tj ET Q q 0 0 0 rg BT 262.37 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 279.25 670.25 Td (other ) Tj ET Q q 0 0 0 rg BT 302.24 670.25 Td (information ) Tj ET Q q 0 0 0 rg BT 351.89 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 362.11 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 377.88 670.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 418.08 670.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 452.19 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.07 670.25 Td (networks. ) Tj ET Q q 0 0 0 rg BT 510.14 670.25 Td (Although ) Tj ET Q q 0 0 0 rg BT 550.35 670.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (take ) Tj ET Q q 0 0 0 rg BT 68.89 658.25 Td (protective ) Tj ET Q q 0 0 0 rg BT 111.11 658.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 150.55 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 167.23 658.25 Td (endeavor ) Tj ET Q q 0 0 0 rg BT 206.11 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 216.12 658.25 Td (modify ) Tj ET Q q 0 0 0 rg BT 247.25 658.25 Td (them ) Tj ET Q q 0 0 0 rg BT 269.48 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 280.04 658.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 338.92 658.25 Td (warrant, ) Tj ET Q q 0 0 0 rg BT 374.19 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 388.65 658.25 Td (security ) Tj ET Q q 0 0 0 rg BT 422.54 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 433.11 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 448.67 658.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 488.67 658.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 525.08 658.25 Td (software, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.05 646.25 Td (networks ) Tj ET Q q 0 0 0 rg BT 106.32 646.25 Td (may ) Tj ET Q q 0 0 0 rg BT 126.15 646.25 Td (be ) Tj ET Q q 0 0 0 rg BT 138.20 646.25 Td (vulnerable ) Tj ET Q q 0 0 0 rg BT 183.02 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 193.41 646.25 Td (breaches, ) Tj ET Q q 0 0 0 rg BT 233.50 646.25 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 288.31 646.25 Td (access, ) Tj ET Q q 0 0 0 rg BT 318.96 646.25 Td (misuse, ) Tj ET Q q 0 0 0 rg BT 351.85 646.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 392.23 646.25 Td (viruses, ) Tj ET Q q 0 0 0 rg BT 425.67 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 436.61 646.25 Td (other ) Tj ET Q q 0 0 0 rg BT 459.77 646.25 Td (malicious ) Tj ET Q q 0 0 0 rg BT 501.26 646.25 Td (code ) Tj ET Q q 0 0 0 rg BT 522.75 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 539.80 646.25 Td (cyber ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (attacks ) Tj ET Q q 0 0 0 rg BT 81.31 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 99.85 634.25 Td (could ) Tj ET Q q 0 0 0 rg BT 125.61 634.25 Td (have ) Tj ET Q q 0 0 0 rg BT 148.03 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 156.02 634.25 Td (security ) Tj ET Q q 0 0 0 rg BT 191.22 634.25 Td (impact. ) Tj ET Q q 0 0 0 rg BT 224.47 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 228.02 634.25 Td (If ) Tj ET Q q 0 0 0 rg BT 238.22 634.25 Td (one ) Tj ET Q q 0 0 0 rg BT 256.21 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 268.08 634.25 Td (more ) Tj ET Q q 0 0 0 rg BT 292.17 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 304.05 634.25 Td (these ) Tj ET Q q 0 0 0 rg BT 328.14 634.25 Td (events ) Tj ET Q q 0 0 0 rg BT 357.23 634.25 Td (occur) Tj ET Q q 0 0 0 rg BT 379.04 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 385.08 634.25 Td (this ) Tj ET Q q 0 0 0 rg BT 403.08 634.25 Td (could ) Tj ET Q q 0 0 0 rg BT 428.84 634.25 Td (jeopardize ) Tj ET Q q 0 0 0 rg BT 474.02 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 490.90 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 502.77 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 519.65 634.25 Td (customers' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (confidential ) Tj ET Q q 0 0 0 rg BT 101.24 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 119.17 622.25 Td (other ) Tj ET Q q 0 0 0 rg BT 143.20 622.25 Td (information ) Tj ET Q q 0 0 0 rg BT 193.89 622.25 Td (processed ) Tj ET Q q 0 0 0 rg BT 236.80 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 254.73 622.25 Td (stored ) Tj ET Q q 0 0 0 rg BT 282.65 622.25 Td (in, ) Tj ET Q q 0 0 0 rg BT 296.41 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.33 622.25 Td (transmitted ) Tj ET Q q 0 0 0 rg BT 362.81 622.25 Td (through, ) Tj ET Q q 0 0 0 rg BT 399.90 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 416.71 622.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 457.96 622.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 493.12 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 511.04 622.25 Td (networks, ) Tj ET Q q 0 0 0 rg BT 553.68 622.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 91.38 610.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 116.09 610.25 Td (interruptions ) Tj ET Q q 0 0 0 rg BT 169.70 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 180.54 610.25 Td (malfunctions ) Tj ET Q q 0 0 0 rg BT 235.25 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 245.54 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 261.37 610.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 305.53 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 316.37 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 331.09 610.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 375.25 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.08 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 401.92 610.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 444.97 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 455.81 610.25 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 517.27 610.25 Td (W) Tj ET Q q 0 0 0 rg BT 525.91 610.25 Td (e ) Tj ET Q q 0 0 0 rg BT 532.85 610.25 Td (may ) Tj ET Q q 0 0 0 rg BT 552.57 610.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (required ) Tj ET Q q 0 0 0 rg BT 84.84 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 94.14 598.25 Td (expend ) Tj ET Q q 0 0 0 rg BT 124.55 598.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 168.28 598.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 209.80 598.25 Td (resources ) Tj ET Q q 0 0 0 rg BT 249.08 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 258.38 598.25 Td (modify ) Tj ET Q q 0 0 0 rg BT 288.80 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 303.65 598.25 Td (protective ) Tj ET Q q 0 0 0 rg BT 345.16 598.25 Td (measures ) Tj ET Q q 0 0 0 rg BT 383.89 598.25 Td (or ) Tj ET Q q 0 0 0 rg BT 393.74 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.05 598.25 Td (investigate ) Tj ET Q q 0 0 0 rg BT 447.89 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 463.85 598.25 Td (remediate ) Tj ET Q q 0 0 0 rg BT 504.80 598.25 Td (vulnerabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.61 586.25 Td (other ) Tj ET Q q 0 0 0 rg BT 83.44 586.25 Td (exposures, ) Tj ET Q q 0 0 0 rg BT 128.22 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 144.94 586.25 Td (we ) Tj ET Q q 0 0 0 rg BT 158.88 586.25 Td (may ) Tj ET Q q 0 0 0 rg BT 178.38 586.25 Td (be ) Tj ET Q q 0 0 0 rg BT 190.10 586.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 220.71 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 230.77 586.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 269.16 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 285.88 586.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 323.14 586.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 349.32 586.25 Td (that ) Tj ET Q q 0 0 0 rg BT 366.60 586.25 Td (are ) Tj ET Q q 0 0 0 rg BT 381.09 586.25 Td (either ) Tj ET Q q 0 0 0 rg BT 406.13 586.25 Td (not ) Tj ET Q q 0 0 0 rg BT 421.19 586.25 Td (insured ) Tj ET Q q 0 0 0 rg BT 452.92 586.25 Td (against ) Tj ET Q q 0 0 0 rg BT 483.52 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 494.14 586.25 Td (not ) Tj ET Q q 0 0 0 rg BT 509.20 586.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 530.37 586.25 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (through ) Tj ET Q q 0 0 0 rg BT 83.61 574.25 Td (any ) Tj ET Q q 0 0 0 rg BT 100.55 574.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 141.36 574.25 Td (maintained ) Tj ET Q q 0 0 0 rg BT 188.29 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 200.79 574.25 Td (us. ) Tj ET Q q 0 0 0 rg BT 214.68 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.00 574.25 Td (W) Tj ET Q q 0 0 0 rg BT 225.64 574.25 Td (e ) Tj ET Q q 0 0 0 rg BT 232.58 574.25 Td (could ) Tj ET Q q 0 0 0 rg BT 257.29 574.25 Td (also ) Tj ET Q q 0 0 0 rg BT 275.90 574.25 Td (suf) Tj ET Q q 0 0 0 rg BT 287.94 574.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 301.54 574.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 346.25 574.25 Td (reputational ) Tj ET Q q 0 0 0 rg BT 396.51 574.25 Td (damage.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Security ) Tj ET Q q 0 0 0 rg BT 85.96 550.25 Td (breaches ) Tj ET Q q 0 0 0 rg BT 123.57 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 133.99 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 149.95 550.25 Td (internet ) Tj ET Q q 0 0 0 rg BT 183.13 550.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 217.98 550.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 256.72 550.25 Td (could ) Tj ET Q q 0 0 0 rg BT 281.57 550.25 Td (further ) Tj ET Q q 0 0 0 rg BT 311.41 550.25 Td (expose ) Tj ET Q q 0 0 0 rg BT 341.82 550.25 Td (us ) Tj ET Q q 0 0 0 rg BT 353.34 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 363.76 550.25 Td (possible ) Tj ET Q q 0 0 0 rg BT 399.17 550.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 432.92 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 449.99 550.25 Td (damage ) Tj ET Q q 0 0 0 rg BT 483.72 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 499.69 550.25 Td (reputation. ) Tj ET Q q 0 0 0 rg BT 544.78 550.25 Td (Any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (compromise ) Tj ET Q q 0 0 0 rg BT 101.93 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 112.75 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 128.58 538.25 Td (security ) Tj ET Q q 0 0 0 rg BT 162.73 538.25 Td (also ) Tj ET Q q 0 0 0 rg BT 181.33 538.25 Td (could ) Tj ET Q q 0 0 0 rg BT 206.04 538.25 Td (deter ) Tj ET Q q 0 0 0 rg BT 228.52 538.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 271.56 538.25 Td (from ) Tj ET Q q 0 0 0 rg BT 293.49 538.25 Td (using ) Tj ET Q q 0 0 0 rg BT 317.66 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 333.48 538.25 Td (internet ) Tj ET Q q 0 0 0 rg BT 366.52 538.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 401.23 538.25 Td (services ) Tj ET Q q 0 0 0 rg BT 435.93 538.25 Td (that ) Tj ET Q q 0 0 0 rg BT 453.42 538.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 485.91 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 500.62 538.25 Td (transmission ) Tj ET Q q 0 0 0 rg BT 553.67 538.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (confidential ) Tj ET Q q 0 0 0 rg BT 100.79 526.25 Td (information. ) Tj ET Q q 0 0 0 rg BT 153.31 526.25 Td (W) Tj ET Q q 0 0 0 rg BT 161.95 526.25 Td (e ) Tj ET Q q 0 0 0 rg BT 169.41 526.25 Td (rely ) Tj ET Q q 0 0 0 rg BT 187.99 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 201.02 526.25 Td (standard ) Tj ET Q q 0 0 0 rg BT 237.92 526.25 Td (internet ) Tj ET Q q 0 0 0 rg BT 271.50 526.25 Td (security ) Tj ET Q q 0 0 0 rg BT 306.18 526.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 340.88 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 351.69 526.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 385.26 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.51 526.25 Td (security ) Tj ET Q q 0 0 0 rg BT 435.19 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.66 526.25 Td (authentication ) Tj ET Q q 0 0 0 rg BT 512.33 526.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 554.23 526.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 514.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.01 514.25 Td (secure ) Tj ET Q q 0 0 0 rg BT 102.99 514.25 Td (transmission ) Tj ET Q q 0 0 0 rg BT 155.99 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 166.76 514.25 Td (data. ) Tj ET Q q 0 0 0 rg BT 188.18 514.25 Td (These ) Tj ET Q q 0 0 0 rg BT 214.50 514.25 Td (precautions ) Tj ET Q q 0 0 0 rg BT 263.03 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 282.69 514.25 Td (not ) Tj ET Q q 0 0 0 rg BT 297.91 514.25 Td (protect ) Tj ET Q q 0 0 0 rg BT 328.11 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 343.88 514.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 377.99 514.25 Td (from ) Tj ET Q q 0 0 0 rg BT 399.87 514.25 Td (compromises ) Tj ET Q q 0 0 0 rg BT 455.63 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 466.41 514.25 Td (breaches ) Tj ET Q q 0 0 0 rg BT 503.82 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.59 514.25 Td (our ) Tj ET Q q 0 0 0 rg BT 530.36 514.25 Td (security ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (measures, ) Tj ET Q q 0 0 0 rg BT 92.21 502.25 Td (which ) Tj ET Q q 0 0 0 rg BT 119.15 502.25 Td (could ) Tj ET Q q 0 0 0 rg BT 143.86 502.25 Td (result ) Tj ET Q q 0 0 0 rg BT 168.58 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 178.86 502.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 223.57 502.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 245.50 502.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 279.11 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.05 502.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 340.76 502.25 Td (damage ) Tj ET Q q 0 0 0 rg BT 374.36 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 384.63 502.25 Td (our ) Tj ET Q q 0 0 0 rg BT 400.46 502.25 Td (reputation ) Tj ET Q q 0 0 0 rg BT 443.51 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 460.44 502.25 Td (our ) Tj ET Q q 0 0 0 rg BT 476.27 502.25 Td (business.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.61 478.25 Td (security ) Tj ET Q q 0 0 0 rg BT 102.77 478.25 Td (measur) Tj ET Q q 0 0 0 rg BT 131.84 478.25 Td (es ) Tj ET Q q 0 0 0 rg BT 142.67 478.25 Td (may ) Tj ET Q q 0 0 0 rg BT 161.83 478.25 Td (not ) Tj ET Q q 0 0 0 rg BT 177.11 478.25 Td (pr) Tj ET Q q 0 0 0 rg BT 185.63 478.25 Td (otect ) Tj ET Q q 0 0 0 rg BT 207.56 478.25 Td (us ) Tj ET Q q 0 0 0 rg BT 218.96 478.25 Td (fr) Tj ET Q q 0 0 0 rg BT 225.25 478.25 Td (om ) Tj ET Q q 0 0 0 rg BT 239.98 478.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 273.03 478.25 Td (failur) Tj ET Q q 0 0 0 rg BT 294.88 478.25 Td (es ) Tj ET Q q 0 0 0 rg BT 305.71 478.25 Td (or ) Tj ET Q q 0 0 0 rg BT 317.10 478.25 Td (interruptions. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (While ) Tj ET Q q 0 0 0 rg BT 76.90 454.25 Td (we ) Tj ET Q q 0 0 0 rg BT 91.03 454.25 Td (have ) Tj ET Q q 0 0 0 rg BT 112.38 454.25 Td (established ) Tj ET Q q 0 0 0 rg BT 159.28 454.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 192.85 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.76 454.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 256.09 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 266.34 454.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 298.79 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 309.59 454.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 330.95 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.63 454.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 375.31 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.11 454.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 420.25 454.25 Td (failures ) Tj ET Q q 0 0 0 rg BT 452.71 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 469.61 454.25 Td (interruptions, ) Tj ET Q q 0 0 0 rg BT 525.68 454.25 Td (there ) Tj ET Q q 0 0 0 rg BT 548.14 454.25 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (be ) Tj ET Q q 0 0 0 rg BT 62.44 442.25 Td (no ) Tj ET Q q 0 0 0 rg BT 75.44 442.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 117.31 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 135.31 442.25 Td (such ) Tj ET Q q 0 0 0 rg BT 156.64 442.25 Td (events ) Tj ET Q q 0 0 0 rg BT 185.19 442.25 Td (will ) Tj ET Q q 0 0 0 rg BT 203.75 442.25 Td (not ) Tj ET Q q 0 0 0 rg BT 219.53 442.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 244.74 442.25 Td (or ) Tj ET Q q 0 0 0 rg BT 256.07 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 274.07 442.25 Td (they ) Tj ET Q q 0 0 0 rg BT 294.29 442.25 Td (will ) Tj ET Q q 0 0 0 rg BT 312.84 442.25 Td (be ) Tj ET Q q 0 0 0 rg BT 325.28 442.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 371.60 442.25 Td (addressed ) Tj ET Q q 0 0 0 rg BT 414.03 442.25 Td (if ) Tj ET Q q 0 0 0 rg BT 423.14 442.25 Td (they ) Tj ET Q q 0 0 0 rg BT 443.36 442.25 Td (do. ) Tj ET Q q 0 0 0 rg BT 458.86 442.25 Td (In ) Tj ET Q q 0 0 0 rg BT 470.19 442.25 Td (addition, ) Tj ET Q q 0 0 0 rg BT 508.47 442.25 Td (we ) Tj ET Q q 0 0 0 rg BT 523.13 442.25 Td (outsource ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.50 430.25 Td (aspects ) Tj ET Q q 0 0 0 rg BT 110.68 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 121.31 430.25 Td (our ) Tj ET Q q 0 0 0 rg BT 136.94 430.25 Td (data ) Tj ET Q q 0 0 0 rg BT 155.90 430.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 200.97 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 217.71 430.25 Td (other ) Tj ET Q q 0 0 0 rg BT 240.56 430.25 Td (operational ) Tj ET Q q 0 0 0 rg BT 287.84 430.25 Td (functions ) Tj ET Q q 0 0 0 rg BT 327.36 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 337.44 430.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 366.94 430.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 412.01 430.25 Td (providers. ) Tj ET Q q 0 0 0 rg BT 454.58 430.25 Td (If ) Tj ET Q q 0 0 0 rg BT 463.54 430.25 Td (our ) Tj ET Q q 0 0 0 rg BT 479.17 430.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 524.23 430.25 Td (providers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (encounter ) Tj ET Q q 0 0 0 rg BT 92.62 418.25 Td (dif) Tj ET Q q 0 0 0 rg BT 103.55 418.25 Td (ficulties, ) Tj ET Q q 0 0 0 rg BT 141.46 418.25 Td (or ) Tj ET Q q 0 0 0 rg BT 152.98 418.25 Td (if ) Tj ET Q q 0 0 0 rg BT 162.29 418.25 Td (we ) Tj ET Q q 0 0 0 rg BT 177.14 418.25 Td (have ) Tj ET Q q 0 0 0 rg BT 199.21 418.25 Td (dif) Tj ET Q q 0 0 0 rg BT 210.14 418.25 Td (ficulty ) Tj ET Q q 0 0 0 rg BT 239.44 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 250.42 418.25 Td (communicating ) Tj ET Q q 0 0 0 rg BT 315.82 418.25 Td (with ) Tj ET Q q 0 0 0 rg BT 336.79 418.25 Td (them, ) Tj ET Q q 0 0 0 rg BT 362.48 418.25 Td (our ) Tj ET Q q 0 0 0 rg BT 379.01 418.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 407.76 418.25 Td (to ) Tj ET Q q 0 0 0 rg BT 418.73 418.25 Td (adequately ) Tj ET Q q 0 0 0 rg BT 465.24 418.25 Td (process ) Tj ET Q q 0 0 0 rg BT 498.42 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.06 418.25 Td (account ) Tj ET Q q 0 0 0 rg BT 550.35 418.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 99.77 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 124.00 406.25 Td (be ) Tj ET Q q 0 0 0 rg BT 135.45 406.25 Td (af) Tj ET Q q 0 0 0 rg BT 143.03 406.25 Td (fected, ) Tj ET Q q 0 0 0 rg BT 171.97 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.42 406.25 Td (our ) Tj ET Q q 0 0 0 rg BT 203.75 406.25 Td (business ) Tj ET Q q 0 0 0 rg BT 239.66 406.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 283.32 406.25 Td (could ) Tj ET Q q 0 0 0 rg BT 307.55 406.25 Td (be ) Tj ET Q q 0 0 0 rg BT 318.99 406.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 359.32 406.25 Td (impacted. ) Tj ET Q q 0 0 0 rg BT 400.33 406.25 Td (Threats ) Tj ET Q q 0 0 0 rg BT 432.33 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 442.12 406.25 Td (information ) Tj ET Q q 0 0 0 rg BT 491.34 406.25 Td (security ) Tj ET Q q 0 0 0 rg BT 525.00 406.25 Td (also ) Tj ET Q q 0 0 0 rg BT 543.12 406.25 Td (exist ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 394.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 120.26 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 131.09 394.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 170.25 394.25 Td (information ) Tj ET Q q 0 0 0 rg BT 219.96 394.25 Td (through ) Tj ET Q q 0 0 0 rg BT 253.57 394.25 Td (various ) Tj ET Q q 0 0 0 rg BT 285.51 394.25 Td (other ) Tj ET Q q 0 0 0 rg BT 308.55 394.25 Td (vendors ) Tj ET Q q 0 0 0 rg BT 342.71 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 359.65 394.25 Td (their ) Tj ET Q q 0 0 0 rg BT 380.48 394.25 Td (personnel. ) 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 67.81 370.25 Td (occurrence ) Tj ET Q q 0 0 0 rg BT 113.92 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 124.51 370.25 Td (any ) Tj ET Q q 0 0 0 rg BT 141.21 370.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 175.14 370.25 Td (failure ) Tj ET Q q 0 0 0 rg BT 203.50 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 214.09 370.25 Td (interruption ) Tj ET Q q 0 0 0 rg BT 263.56 370.25 Td (could ) Tj ET Q q 0 0 0 rg BT 288.04 370.25 Td (damage ) Tj ET Q q 0 0 0 rg BT 321.39 370.25 Td (our ) Tj ET Q q 0 0 0 rg BT 336.98 370.25 Td (reputation ) Tj ET Q q 0 0 0 rg BT 379.79 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 396.48 370.25 Td (result ) Tj ET Q q 0 0 0 rg BT 420.96 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 431.00 370.25 Td (a ) Tj ET Q q 0 0 0 rg BT 437.70 370.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 455.52 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 466.11 370.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 508.92 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 525.62 370.25 Td (business, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (could ) Tj ET Q q 0 0 0 rg BT 75.24 358.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 106.59 358.25 Td (us ) Tj ET Q q 0 0 0 rg BT 118.51 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 129.32 358.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 172.33 358.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 216.45 358.25 Td (scrutiny) Tj ET Q q 0 0 0 rg BT 248.02 358.25 Td (, ) Tj ET Q q 0 0 0 rg BT 253.55 358.25 Td (or ) Tj ET Q q 0 0 0 rg BT 264.90 358.25 Td (could ) Tj ET Q q 0 0 0 rg BT 290.15 358.25 Td (expose ) Tj ET Q q 0 0 0 rg BT 320.94 358.25 Td (us ) Tj ET Q q 0 0 0 rg BT 332.86 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 343.67 358.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 366.13 358.25 Td (liability) Tj ET Q q 0 0 0 rg BT 396.58 358.25 Td (. ) Tj ET Q q 0 0 0 rg BT 402.11 358.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.47 358.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 424.72 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.07 358.25 Td (these ) Tj ET Q q 0 0 0 rg BT 459.65 358.25 Td (occurrences ) Tj ET Q q 0 0 0 rg BT 510.42 358.25 Td (could ) Tj ET Q q 0 0 0 rg BT 535.66 358.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.56 358.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 346.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 118.30 346.25 Td (ef) Tj ET Q q 0 0 0 rg BT 125.88 346.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 143.37 346.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.87 346.25 Td (our ) Tj ET Q q 0 0 0 rg BT 171.70 346.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 209.18 346.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 249.45 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 266.39 346.25 Td (results ) Tj ET Q q 0 0 0 rg BT 295.00 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 305.83 346.25 Td (operations. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 322.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.39 322.25 Td (ar) Tj ET Q q 0 0 0 rg BT 75.64 322.25 Td (e ) Tj ET Q q 0 0 0 rg BT 82.58 322.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 115.63 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 126.46 322.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 158.95 322.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 182.01 322.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.85 322.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 241.46 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 262.85 322.25 Td (our) Tj ET Q q 0 0 0 rg BT 277.67 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 280.17 322.25 Td (data ) Tj ET Q q 0 0 0 rg BT 301.56 322.25 Td (management ) Tj ET Q q 0 0 0 rg BT 359.05 322.25 Td (or) Tj ET Q q 0 0 0 rg BT 368.31 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 370.81 322.25 Td (aggr) Tj ET Q q 0 0 0 rg BT 390.07 322.25 Td (egation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 298.25 Td (e ) Tj ET Q q 0 0 0 rg BT 65.29 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 79.72 298.25 Td (reliant ) Tj ET Q q 0 0 0 rg BT 107.48 298.25 Td (on ) Tj ET Q q 0 0 0 rg BT 119.69 298.25 Td (our ) Tj ET Q q 0 0 0 rg BT 135.24 298.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 163.01 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 173.00 298.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 206.31 298.25 Td (data ) Tj ET Q q 0 0 0 rg BT 225.19 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 241.84 298.25 Td (our ) Tj ET Q q 0 0 0 rg BT 257.39 298.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 285.16 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 295.15 298.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 336.23 298.25 Td (data ) Tj ET Q q 0 0 0 rg BT 355.10 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 365.10 298.25 Td (an ) Tj ET Q q 0 0 0 rg BT 376.75 298.25 Td (accurate ) Tj ET Q q 0 0 0 rg BT 412.27 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 428.93 298.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 456.69 298.25 Td (manner ) Tj ET Q q 0 0 0 rg BT 488.90 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 498.89 298.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 527.21 298.25 Td (ef) Tj ET Q q 0 0 0 rg BT 534.79 298.25 Td (fective ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 66.97 286.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 105.59 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 121.99 286.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 177.54 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 179.51 286.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 197.03 286.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 224.54 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 234.29 286.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 267.35 286.25 Td (data ) Tj ET Q q 0 0 0 rg BT 285.97 286.25 Td (and ) Tj ET Q q 0 0 0 rg BT 302.37 286.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 343.20 286.25 Td (data ) Tj ET Q q 0 0 0 rg BT 361.82 286.25 Td (may ) Tj ET Q q 0 0 0 rg BT 381.00 286.25 Td (be ) Tj ET Q q 0 0 0 rg BT 392.40 286.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 422.70 286.25 Td (by ) Tj ET Q q 0 0 0 rg BT 434.67 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.85 286.25 Td (ef) Tj ET Q q 0 0 0 rg BT 456.44 286.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 502.82 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.12 286.25 Td (our ) Tj ET Q q 0 0 0 rg BT 528.42 286.25 Td (policies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (programs, ) Tj ET Q q 0 0 0 rg BT 94.50 274.25 Td (processes ) Tj ET Q q 0 0 0 rg BT 137.06 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 155.73 274.25 Td (practices ) Tj ET Q q 0 0 0 rg BT 195.50 274.25 Td (that ) Tj ET Q q 0 0 0 rg BT 214.73 274.25 Td (govern ) Tj ET Q q 0 0 0 rg BT 246.73 274.25 Td (how ) Tj ET Q q 0 0 0 rg BT 268.19 274.25 Td (data ) Tj ET Q q 0 0 0 rg BT 289.08 274.25 Td (is ) Tj ET Q q 0 0 0 rg BT 299.98 274.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 341.14 274.25 Td (validated, ) Tj ET Q q 0 0 0 rg BT 384.53 274.25 Td (stored, ) Tj ET Q q 0 0 0 rg BT 415.70 274.25 Td (protected ) Tj ET Q q 0 0 0 rg BT 457.14 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 475.81 274.25 Td (processed. ) Tj ET Q q 0 0 0 rg BT 521.67 274.25 Td (While ) Tj ET Q q 0 0 0 rg BT 550.34 274.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (continuously ) Tj ET Q q 0 0 0 rg BT 104.61 262.25 Td (update ) Tj ET Q q 0 0 0 rg BT 134.20 262.25 Td (our ) Tj ET Q q 0 0 0 rg BT 150.47 262.25 Td (policies, ) Tj ET Q q 0 0 0 rg BT 187.02 262.25 Td (programs, ) Tj ET Q q 0 0 0 rg BT 230.23 262.25 Td (processes ) Tj ET Q q 0 0 0 rg BT 271.49 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.87 262.25 Td (practices, ) Tj ET Q q 0 0 0 rg BT 329.84 262.25 Td (many ) Tj ET Q q 0 0 0 rg BT 355.00 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.27 262.25 Td (our ) Tj ET Q q 0 0 0 rg BT 382.54 262.25 Td (data ) Tj ET Q q 0 0 0 rg BT 402.14 262.25 Td (management ) Tj ET Q q 0 0 0 rg BT 456.17 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.55 262.25 Td (aggregation ) Tj ET Q q 0 0 0 rg BT 523.69 262.25 Td (processes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.65 250.25 Td (manual ) Tj ET Q q 0 0 0 rg BT 96.53 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 113.42 250.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 144.19 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 154.41 250.25 Td (human ) Tj ET Q q 0 0 0 rg BT 184.07 250.25 Td (error ) Tj ET Q q 0 0 0 rg BT 205.95 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 216.72 250.25 Td (system ) Tj ET Q q 0 0 0 rg BT 246.94 250.25 Td (failure. ) Tj ET Q q 0 0 0 rg BT 277.98 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 280.43 250.25 Td (Failure ) Tj ET Q q 0 0 0 rg BT 311.20 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 321.42 250.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 354.96 250.25 Td (data ) Tj ET Q q 0 0 0 rg BT 374.06 250.25 Td (ef) Tj ET Q q 0 0 0 rg BT 381.65 250.25 Td (fectively ) Tj ET Q q 0 0 0 rg BT 419.08 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 435.96 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.18 250.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 487.49 250.25 Td (data ) Tj ET Q q 0 0 0 rg BT 506.59 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 516.82 250.25 Td (an ) Tj ET Q q 0 0 0 rg BT 528.70 250.25 Td (accurate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 238.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 94.99 238.25 Td (manner ) Tj ET Q q 0 0 0 rg BT 127.48 238.25 Td (may ) Tj ET Q q 0 0 0 rg BT 147.19 238.25 Td (limit ) Tj ET Q q 0 0 0 rg BT 168.58 238.25 Td (our ) Tj ET Q q 0 0 0 rg BT 184.41 238.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 212.47 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 222.74 238.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 256.34 238.25 Td (current ) Tj ET Q q 0 0 0 rg BT 287.15 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 304.09 238.25 Td (emer) Tj ET Q q 0 0 0 rg BT 323.90 238.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 344.17 238.25 Td (risks, ) Tj ET Q q 0 0 0 rg BT 368.07 238.25 Td (as ) Tj ET Q q 0 0 0 rg BT 378.90 238.25 Td (well ) Tj ET Q q 0 0 0 rg BT 398.61 238.25 Td (as ) Tj ET Q q 0 0 0 rg BT 409.44 238.25 Td (to ) Tj ET Q q 0 0 0 rg BT 419.72 238.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 453.32 238.25 Td (changing ) Tj ET Q q 0 0 0 rg BT 492.47 238.25 Td (business ) Tj ET Q q 0 0 0 rg BT 528.86 238.25 Td (needs.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (New ) Tj ET Q q 0 0 0 rg BT 71.38 214.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 93.33 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 104.16 214.25 Td (business ) Tj ET Q q 0 0 0 rg BT 142.24 214.25 Td (or) Tj ET Q q 0 0 0 rg BT 151.49 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 153.99 214.25 Td (new ) Tj ET Q q 0 0 0 rg BT 173.72 214.25 Td (pr) Tj ET Q q 0 0 0 rg BT 183.54 214.25 Td (oducts ) Tj ET Q q 0 0 0 rg BT 213.82 214.25 Td (and ) Tj ET Q q 0 0 0 rg BT 232.44 214.25 Td (services ) Tj ET Q q 0 0 0 rg BT 268.26 214.25 Td (may ) Tj ET Q q 0 0 0 rg BT 289.09 214.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 322.14 214.25 Td (us ) Tj ET Q q 0 0 0 rg BT 334.09 214.25 Td (to ) Tj ET Q q 0 0 0 rg BT 344.92 214.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 390.77 214.25 Td (risks.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.83 214.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (From ) Tj ET Q q 0 0 0 rg BT 74.39 190.25 Td (time ) Tj ET Q q 0 0 0 rg BT 94.88 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 105.37 190.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 128.36 190.25 Td (we ) Tj ET Q q 0 0 0 rg BT 142.74 190.25 Td (may ) Tj ET Q q 0 0 0 rg BT 162.68 190.25 Td (seek ) Tj ET Q q 0 0 0 rg BT 183.16 190.25 Td (to ) Tj ET Q q 0 0 0 rg BT 193.66 190.25 Td (implement ) Tj ET Q q 0 0 0 rg BT 239.14 190.25 Td (new ) Tj ET Q q 0 0 0 rg BT 258.52 190.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 280.12 190.25 Td (of ) Tj ET Q q 0 0 0 rg BT 291.17 190.25 Td (business ) Tj ET Q q 0 0 0 rg BT 327.78 190.25 Td (or ) Tj ET Q q 0 0 0 rg BT 338.83 190.25 Td (of) Tj ET Q q 0 0 0 rg BT 346.98 190.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 360.79 190.25 Td (new ) Tj ET Q q 0 0 0 rg BT 380.17 190.25 Td (products ) Tj ET Q q 0 0 0 rg BT 417.33 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 434.48 190.25 Td (services ) Tj ET Q q 0 0 0 rg BT 469.41 190.25 Td (within ) Tj ET Q q 0 0 0 rg BT 497.68 190.25 Td (existing ) Tj ET Q q 0 0 0 rg BT 532.06 190.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 553.67 190.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (business. ) Tj ET Q q 0 0 0 rg BT 89.08 178.25 Td (There ) Tj ET Q q 0 0 0 rg BT 115.30 178.25 Td (are ) Tj ET Q q 0 0 0 rg BT 130.41 178.25 Td (substantial ) Tj ET Q q 0 0 0 rg BT 176.09 178.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 197.88 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 215.22 178.25 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 269.22 178.25 Td (associated ) Tj ET Q q 0 0 0 rg BT 313.21 178.25 Td (with ) Tj ET Q q 0 0 0 rg BT 333.89 178.25 Td (these ) Tj ET Q q 0 0 0 rg BT 357.34 178.25 Td (ef) Tj ET Q q 0 0 0 rg BT 364.93 178.25 Td (forts, ) Tj ET Q q 0 0 0 rg BT 388.66 178.25 Td (particularly ) Tj ET Q q 0 0 0 rg BT 437.66 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 448.34 178.25 Td (instances ) Tj ET Q q 0 0 0 rg BT 487.90 178.25 Td (where ) Tj ET Q q 0 0 0 rg BT 515.23 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.35 178.25 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (are ) Tj ET Q q 0 0 0 rg BT 65.26 166.25 Td (not ) Tj ET Q q 0 0 0 rg BT 81.09 166.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 103.03 166.25 Td (developed. ) Tj ET Q q 0 0 0 rg BT 152.17 166.25 Td (In ) Tj ET Q q 0 0 0 rg BT 163.55 166.25 Td (developing ) Tj ET Q q 0 0 0 rg BT 211.04 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 228.53 166.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 272.12 166.25 Td (new ) Tj ET Q q 0 0 0 rg BT 291.84 166.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 313.77 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.16 166.25 Td (business ) Tj ET Q q 0 0 0 rg BT 362.10 166.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 390.70 166.25 Td (new ) Tj ET Q q 0 0 0 rg BT 410.41 166.25 Td (products ) Tj ET Q q 0 0 0 rg BT 447.90 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 465.39 166.25 Td (services, ) Tj ET Q q 0 0 0 rg BT 503.15 166.25 Td (we ) Tj ET Q q 0 0 0 rg BT 517.86 166.25 Td (may ) Tj ET Q q 0 0 0 rg BT 538.13 166.25 Td (invest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 93.92 154.25 Td (time ) Tj ET Q q 0 0 0 rg BT 113.40 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 129.55 154.25 Td (resources. ) Tj ET Q q 0 0 0 rg BT 171.51 154.25 Td (Initial ) Tj ET Q q 0 0 0 rg BT 197.10 154.25 Td (timetables ) Tj ET Q q 0 0 0 rg BT 239.91 154.25 Td (for ) Tj ET Q q 0 0 0 rg BT 253.28 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.20 154.25 Td (introduction ) Tj ET Q q 0 0 0 rg BT 317.79 154.25 Td (and ) Tj ET Q q 0 0 0 rg BT 333.94 154.25 Td (development ) Tj ET Q q 0 0 0 rg BT 387.30 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 397.34 154.25 Td (new ) Tj ET Q q 0 0 0 rg BT 415.71 154.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 436.30 154.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.34 154.25 Td (business ) Tj ET Q q 0 0 0 rg BT 481.94 154.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 509.19 154.25 Td (new ) Tj ET Q q 0 0 0 rg BT 527.56 154.25 Td (products ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.09 142.25 Td (services ) Tj ET Q q 0 0 0 rg BT 96.05 142.25 Td (may ) Tj ET Q q 0 0 0 rg BT 116.03 142.25 Td (not ) Tj ET Q q 0 0 0 rg BT 131.57 142.25 Td (be ) Tj ET Q q 0 0 0 rg BT 143.76 142.25 Td (achieved, ) Tj ET Q q 0 0 0 rg BT 184.56 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 201.75 142.25 Td (price ) Tj ET Q q 0 0 0 rg BT 224.50 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 241.69 142.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 292.22 142.25 Td (tar) Tj ET Q q 0 0 0 rg BT 302.59 142.25 Td (gets ) Tj ET Q q 0 0 0 rg BT 321.46 142.25 Td (may ) Tj ET Q q 0 0 0 rg BT 341.43 142.25 Td (not ) Tj ET Q q 0 0 0 rg BT 356.97 142.25 Td (prove ) Tj ET Q q 0 0 0 rg BT 382.50 142.25 Td (feasible, ) Tj ET Q q 0 0 0 rg BT 418.85 142.25 Td (which ) Tj ET Q q 0 0 0 rg BT 446.04 142.25 Td (could ) Tj ET Q q 0 0 0 rg BT 471.02 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 481.56 142.25 Td (turn ) Tj ET Q q 0 0 0 rg BT 500.42 142.25 Td (have ) Tj ET Q q 0 0 0 rg BT 522.06 142.25 Td (a ) Tj ET Q q 0 0 0 rg BT 529.26 142.25 Td (material ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (negative ) Tj ET Q q 0 0 0 rg BT 86.37 130.25 Td (ef) Tj ET Q q 0 0 0 rg BT 93.96 130.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 111.45 130.25 Td (on ) Tj ET Q q 0 0 0 rg BT 123.95 130.25 Td (our ) Tj ET Q q 0 0 0 rg BT 139.78 130.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 180.04 130.25 Td (results.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (W) Tj ET Q q 0 0 0 rg BT 59.45 106.25 Td (e ) Tj ET Q q 0 0 0 rg BT 66.39 106.25 Td (r) Tj ET Q q 0 0 0 rg BT 70.64 106.25 Td (ely ) Tj ET Q q 0 0 0 rg BT 85.36 106.25 Td (on ) Tj ET Q q 0 0 0 rg BT 98.42 106.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 142.06 106.25 Td (fr) Tj ET Q q 0 0 0 rg BT 149.64 106.25 Td (om ) Tj ET Q q 0 0 0 rg BT 165.47 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.30 106.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 206.60 106.25 Td (for) Tj ET Q q 0 0 0 rg BT 219.18 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 221.68 106.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 278.65 106.25 Td (all ) Tj ET Q q 0 0 0 rg BT 291.70 106.25 Td (of ) Tj ET Q q 0 0 0 rg BT 302.53 106.25 Td (our) Tj ET Q q 0 0 0 rg BT 317.35 106.25 Td ( ) Tj ET Q q 0 0 0 rg BT 319.85 106.25 Td (r) Tj ET Q q 0 0 0 rg BT 324.11 106.25 Td (evenue ) Tj ET Q q 0 0 0 rg BT 356.05 106.25 Td (at ) Tj ET Q q 0 0 0 rg BT 366.88 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.71 106.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 417.45 106.25 Td (company ) Tj ET Q q 0 0 0 rg BT 458.84 106.25 Td (level. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 82.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.92 82.25 Td (are ) Tj ET Q q 0 0 0 rg BT 78.98 82.25 Td (an ) Tj ET Q q 0 0 0 rg BT 90.26 82.25 Td (entity ) Tj ET Q q 0 0 0 rg BT 114.88 82.25 Td (separate ) Tj ET Q q 0 0 0 rg BT 149.48 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 165.77 82.25 Td (distinct ) Tj ET Q q 0 0 0 rg BT 197.06 82.25 Td (from ) Tj ET Q q 0 0 0 rg BT 218.35 82.25 Td (our ) Tj ET Q q 0 0 0 rg BT 233.52 82.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 270.91 82.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 311.37 82.25 Td (, ) Tj ET Q q 0 0 0 rg BT 315.72 82.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 333.13 82.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 372.19 82.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 397.64 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 413.93 82.25 Td (derive ) Tj ET Q q 0 0 0 rg BT 440.76 82.25 Td (substantially ) Tj ET Q q 0 0 0 rg BT 493.16 82.25 Td (all ) Tj ET Q q 0 0 0 rg BT 505.00 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.18 82.25 Td (our ) Tj ET Q q 0 0 0 rg BT 530.36 82.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (at ) Tj ET Q q 0 0 0 rg BT 60.28 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.57 70.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 109.19 70.25 Td (company ) Tj ET Q q 0 0 0 rg BT 148.91 70.25 Td (level ) Tj ET Q q 0 0 0 rg BT 171.41 70.25 Td (in ) Tj ET Q q 0 0 0 rg BT 182.26 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.54 70.25 Td (form ) Tj ET Q q 0 0 0 rg BT 220.04 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.44 70.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 273.39 70.25 Td (from ) Tj ET Q q 0 0 0 rg BT 295.90 70.25 Td (that ) Tj ET Q q 0 0 0 rg BT 313.96 70.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 354.42 70.25 Td (. ) Tj ET Q q 0 0 0 rg BT 359.31 70.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 408.64 70.25 Td (, ) Tj ET Q q 0 0 0 rg BT 414.21 70.25 Td (we ) Tj ET Q q 0 0 0 rg BT 428.94 70.25 Td (are, ) Tj ET Q q 0 0 0 rg BT 446.71 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 464.22 70.25 Td (will ) Tj ET Q q 0 0 0 rg BT 482.84 70.25 Td (be, ) Tj ET Q q 0 0 0 rg BT 497.84 70.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 542.00 70.25 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 91.62 58.25 Td (from ) Tj ET Q q 0 0 0 rg BT 113.79 58.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 132.09 58.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 172.03 58.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 195.87 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 206.39 58.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 223.56 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.51 58.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 276.78 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 287.85 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 305.02 58.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 337.19 58.25 Td (on ) Tj ET Q q 0 0 0 rg BT 349.92 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 365.98 58.25 Td (indebtedness, ) Tj ET Q q 0 0 0 rg BT 422.87 58.25 Td (to ) Tj ET Q q 0 0 0 rg BT 433.38 58.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 462.22 58.25 Td (our ) Tj ET Q q 0 0 0 rg BT 478.29 58.25 Td (other ) Tj ET Q q 0 0 0 rg BT 501.57 58.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 522.07 58.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 547.57 58.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.00 46.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 76.66 46.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 117.77 46.25 Td (on ) Tj ET Q q 0 0 0 rg BT 130.00 46.25 Td (our ) Tj ET Q q 0 0 0 rg BT 145.55 46.25 Td (common ) Tj ET Q q 0 0 0 rg BT 182.77 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 199.43 46.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 238.29 46.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 264.12 46.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 281.90 46.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 321.34 46.25 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 350.36 46.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 378.14 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.14 46.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 404.80 46.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 445.91 46.25 Td (is ) Tj ET Q q 0 0 0 rg BT 454.81 46.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 485.35 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.35 46.25 Td (its ) Tj ET Q q 0 0 0 rg BT 507.03 46.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 534.80 46.25 Td (to ) Tj ET Q q 0 0 0 rg BT 544.80 46.25 Td (earn ) Tj ET Q endstream endobj 57 0 obj <> endobj 58 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (28) Tj ET Q 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 64.36 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 95.94 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 112.52 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.44 742.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 144.02 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 173.36 742.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 216.60 742.10 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 273.45 742.10 Td (In ) Tj ET Q q 0 0 0 rg BT 283.92 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.28 742.10 Td (event ) Tj ET Q q 0 0 0 rg BT 322.08 742.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 339.79 742.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 379.14 742.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 402.39 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 411.21 742.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 440.00 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 449.93 742.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 466.51 742.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 507.54 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.46 742.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 531.00 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 544.80 742.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.73 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 78.11 730.10 Td (able ) Tj ET Q q 0 0 0 rg BT 97.71 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.44 730.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 125.82 730.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 167.66 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 180.60 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 196.88 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 234.82 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 246.10 730.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 285.68 730.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 311.59 730.10 Td (Also, ) Tj ET Q q 0 0 0 rg BT 335.92 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.20 730.10 Td (right ) Tj ET Q q 0 0 0 rg BT 374.03 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 384.76 730.10 Td (participate ) Tj ET Q q 0 0 0 rg BT 429.90 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 440.63 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 448.01 730.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 497.07 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.35 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 534.63 730.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 557.57 730.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (subsidiary's ) Tj ET Q q 0 0 0 rg BT 99.30 718.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 145.13 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 155.96 718.10 Td (reor) Tj ET Q q 0 0 0 rg BT 171.88 718.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 216.03 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 225.20 718.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 256.03 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.30 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.02 718.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 302.96 718.10 Td (claims ) Tj ET Q q 0 0 0 rg BT 331.56 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.39 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.11 718.10 Td (subsidiary's ) Tj ET Q q 0 0 0 rg BT 406.41 718.10 Td (creditors.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (If ) Tj ET Q q 0 0 0 rg BT 60.27 694.10 Td (we ) Tj ET Q q 0 0 0 rg BT 74.97 694.10 Td (defer) Tj ET Q q 0 0 0 rg BT 97.00 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 100.05 694.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 144.21 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 155.58 694.10 Td (inter) Tj ET Q q 0 0 0 rg BT 175.95 694.10 Td (est ) Tj ET Q q 0 0 0 rg BT 190.65 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 204.26 694.10 Td (our) Tj ET Q q 0 0 0 rg BT 219.08 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.13 694.10 Td (junior) Tj ET Q q 0 0 0 rg BT 248.62 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.66 694.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 311.39 694.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 333.33 694.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 378.86 694.10 Td (or) Tj ET Q q 0 0 0 rg BT 388.12 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.16 694.10 Td (if ) Tj ET Q q 0 0 0 rg BT 400.32 694.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 433.35 694.10 Td (defaults ) Tj ET Q q 0 0 0 rg BT 470.29 694.10 Td (r) Tj ET Q q 0 0 0 rg BT 474.54 694.10 Td (elating ) Tj ET Q q 0 0 0 rg BT 506.48 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.85 694.10 Td (those ) Tj ET Q q 0 0 0 rg BT 543.12 694.10 Td (debt ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 91.84 682.10 Td (occur) Tj ET Q q 0 0 0 rg BT 114.80 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 119.16 682.10 Td (we ) Tj ET Q q 0 0 0 rg BT 132.68 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 150.09 682.10 Td (be ) Tj ET Q q 0 0 0 rg BT 161.95 682.10 Td (pr) Tj ET Q q 0 0 0 rg BT 171.77 682.10 Td (ohibited ) Tj ET Q q 0 0 0 rg BT 208.63 682.10 Td (fr) Tj ET Q q 0 0 0 rg BT 216.22 682.10 Td (om ) Tj ET Q q 0 0 0 rg BT 231.41 682.10 Td (declaring ) Tj ET Q q 0 0 0 rg BT 273.26 682.10 Td (or) Tj ET Q q 0 0 0 rg BT 282.52 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 284.37 682.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 315.13 682.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 358.12 682.10 Td (or) Tj ET Q q 0 0 0 rg BT 367.38 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 369.24 682.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 425.56 682.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 440.47 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.45 682.10 Td (fr) Tj ET Q q 0 0 0 rg BT 466.04 682.10 Td (om ) Tj ET Q q 0 0 0 rg BT 481.23 682.10 Td (making ) Tj ET Q q 0 0 0 rg BT 515.32 682.10 Td (liquidation ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 93.61 670.10 Td (with ) Tj ET Q q 0 0 0 rg BT 115.00 670.10 Td (r) Tj ET Q q 0 0 0 rg BT 119.26 670.10 Td (espect ) Tj ET Q q 0 0 0 rg BT 147.86 670.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 161.19 670.10 Td (our) Tj ET Q q 0 0 0 rg BT 176.01 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.51 670.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 209.90 670.10 Td (stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.12 670.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.71 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.64 646.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 133.32 646.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.32 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 158.42 646.10 Td (we ) Tj ET Q q 0 0 0 rg BT 172.68 646.10 Td (had ) Tj ET Q q 0 0 0 rg BT 189.71 646.10 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.97 646.10 Td ($210.7 ) Tj ET Q q 0 0 0 rg BT 269.07 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.96 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 300.56 646.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 342.02 646.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 380.16 646.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 412.75 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.68 646.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 450.17 646.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 504.42 646.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 524.23 646.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 77.78 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.34 634.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 135.00 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 155.56 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.56 634.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 188.89 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.00 634.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 220.57 634.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 259.99 634.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 300.53 634.10 Td (by ) Tj ET Q q 0 0 0 rg BT 313.32 634.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 343.30 634.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 393.30 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 411.08 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 426.07 634.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 463.85 634.10 Td (business ) Tj ET Q q 0 0 0 rg BT 500.52 634.10 Td (trusts. ) Tj ET Q q 0 0 0 rg BT 527.27 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 535.91 634.10 Td (e ) Tj ET Q q 0 0 0 rg BT 543.13 634.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.61 622.10 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 114.97 622.10 Td (these ) Tj ET Q q 0 0 0 rg BT 138.02 622.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 158.30 622.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 197.43 622.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.52 598.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.25 598.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.74 598.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.74 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 157.64 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 171.71 598.10 Td (had ) Tj ET Q q 0 0 0 rg BT 188.55 598.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 203.17 598.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 238.33 598.10 Td (series ) Tj ET Q q 0 0 0 rg BT 263.50 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 274.23 598.10 Td (these ) Tj ET Q q 0 0 0 rg BT 297.18 598.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 323.47 598.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 377.53 598.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 397.15 598.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 437.32 598.10 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 488.89 598.10 Td (each ) Tj ET Q q 0 0 0 rg BT 509.61 598.10 Td (series ) Tj ET Q q 0 0 0 rg BT 534.78 598.10 Td (having ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (been ) Tj ET Q q 0 0 0 rg BT 70.73 586.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 97.59 586.10 Td (under ) Tj ET Q q 0 0 0 rg BT 122.22 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 128.52 586.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 163.13 586.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 202.75 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.05 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 238.68 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 244.98 586.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 279.59 586.10 Td (guarantee. ) Tj ET Q q 0 0 0 rg BT 322.81 586.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 344.65 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.84 586.10 Td (these ) Tj ET Q q 0 0 0 rg BT 377.25 586.10 Td (indentures, ) Tj ET Q q 0 0 0 rg BT 423.26 586.10 Td (together ) Tj ET Q q 0 0 0 rg BT 457.88 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 477.52 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.59 586.10 Td (related ) Tj ET Q q 0 0 0 rg BT 520.65 586.10 Td (guarantee, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (prohibits ) Tj ET Q q 0 0 0 rg BT 87.43 574.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 100.69 574.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 130.89 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.54 574.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 170.74 574.10 Td (exceptions, ) Tj ET Q q 0 0 0 rg BT 217.88 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 239.19 574.10 Td (declaring ) Tj ET Q q 0 0 0 rg BT 278.27 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 288.47 574.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 317.56 574.10 Td (any ) Tj ET Q q 0 0 0 rg BT 333.87 574.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 374.63 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 384.83 574.10 Td (distributions ) Tj ET Q q 0 0 0 rg BT 436.71 574.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 451.08 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.28 574.10 Td (redeeming, ) Tj ET Q q 0 0 0 rg BT 507.86 574.10 Td (repurchasing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 89.38 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 99.32 562.10 Td (making ) Tj ET Q q 0 0 0 rg BT 130.92 562.10 Td (any ) Tj ET Q q 0 0 0 rg BT 146.97 562.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 191.91 562.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 231.85 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 251.24 562.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 281.17 562.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 293.06 562.10 Td (any ) Tj ET Q q 0 0 0 rg BT 309.11 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 319.05 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 333.99 562.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 362.25 562.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 384.97 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 393.80 562.10 Td (any ) Tj ET Q q 0 0 0 rg BT 409.85 562.10 Td (time ) Tj ET Q q 0 0 0 rg BT 429.23 562.10 Td (when ) Tj ET Q q 0 0 0 rg BT 452.50 562.10 Td (\(i\)there ) Tj ET Q q 0 0 0 rg BT 486.04 562.10 Td (shall ) Tj ET Q q 0 0 0 rg BT 506.54 562.10 Td (have ) Tj ET Q q 0 0 0 rg BT 527.03 562.10 Td (occurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.04 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 79.08 550.10 Td (continuing ) Tj ET Q q 0 0 0 rg BT 124.46 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 136.50 550.10 Td (event ) Tj ET Q q 0 0 0 rg BT 160.75 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.68 550.10 Td (default ) Tj ET Q q 0 0 0 rg BT 202.05 550.10 Td (under ) Tj ET Q q 0 0 0 rg BT 227.42 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.24 550.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 282.60 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 293.53 550.10 Td (any ) Tj ET Q q 0 0 0 rg BT 310.57 550.10 Td (event, ) Tj ET Q q 0 0 0 rg BT 337.33 550.10 Td (act ) Tj ET Q q 0 0 0 rg BT 351.59 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 362.52 550.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 402.89 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 420.49 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 440.87 550.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 467.91 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 478.84 550.10 Td (lapse ) Tj ET Q q 0 0 0 rg BT 501.99 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.92 550.10 Td (time ) Tj ET Q q 0 0 0 rg BT 533.29 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 544.22 550.10 Td (both ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.65 538.10 Td (constitute ) Tj ET Q q 0 0 0 rg BT 119.18 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 131.27 538.10 Td (event ) Tj ET Q q 0 0 0 rg BT 155.58 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 166.56 538.10 Td (default ) Tj ET Q q 0 0 0 rg BT 196.97 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 222.39 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.26 538.10 Td (indenture; ) Tj ET Q q 0 0 0 rg BT 280.45 538.10 Td (\(ii\)we ) Tj ET Q q 0 0 0 rg BT 309.48 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 324.33 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 334.76 538.10 Td (default ) Tj ET Q q 0 0 0 rg BT 365.18 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 385.61 538.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 416.57 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 427.00 538.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 464.08 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.07 538.10 Td (any ) Tj ET Q q 0 0 0 rg BT 492.15 538.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 539.25 538.10 Td (under ) 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 64.98 526.10 Td (related ) Tj ET Q q 0 0 0 rg BT 94.94 526.10 Td (guarantee; ) Tj ET Q q 0 0 0 rg BT 139.34 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 150.42 526.10 Td (\(iii\)we ) Tj ET Q q 0 0 0 rg BT 182.34 526.10 Td (have ) Tj ET Q q 0 0 0 rg BT 203.97 526.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 240.04 526.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 277.23 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.32 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 320.51 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.27 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.25 526.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 374.89 526.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 429.31 526.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 449.28 526.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 489.80 526.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 539.23 526.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.54 514.10 Td (indenture. ) Tj ET Q q 0 0 0 rg BT 110.35 514.10 Td (In ) Tj ET Q q 0 0 0 rg BT 121.23 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 138.78 514.10 Td (regard, ) Tj ET Q q 0 0 0 rg BT 169.36 514.10 Td (we ) Tj ET Q q 0 0 0 rg BT 183.57 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 198.32 514.10 Td (entitled, ) Tj ET Q q 0 0 0 rg BT 233.36 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 243.13 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 259.00 514.10 Td (option ) Tj ET Q q 0 0 0 rg BT 287.11 514.10 Td (but ) Tj ET Q q 0 0 0 rg BT 302.43 514.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 333.31 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.63 514.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 373.38 514.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 420.10 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 430.42 514.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 453.51 514.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 494.38 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 505.26 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 537.24 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 514.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 76.39 502.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 130.54 502.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 150.26 502.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 190.52 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.35 502.10 Td (each ) Tj ET Q q 0 0 0 rg BT 222.17 502.10 Td (series ) Tj ET Q q 0 0 0 rg BT 247.44 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 269.38 502.10 Td (time ) Tj ET Q q 0 0 0 rg BT 289.65 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.93 502.10 Td (time ) Tj ET Q q 0 0 0 rg BT 320.20 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 334.36 502.10 Td (up ) Tj ET Q q 0 0 0 rg BT 346.86 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.14 502.10 Td (five ) Tj ET Q q 0 0 0 rg BT 375.19 502.10 Td (consecutive ) Tj ET Q q 0 0 0 rg BT 424.89 502.10 Td (years. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Events ) Tj ET Q q 0 0 0 rg BT 80.89 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.89 478.10 Td (default ) Tj ET Q q 0 0 0 rg BT 124.32 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 150.76 478.10 Td (each ) Tj ET Q q 0 0 0 rg BT 172.74 478.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 214.17 478.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 255.05 478.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 286.49 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.49 478.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 328.26 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.70 478.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 357.81 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 390.92 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 404.58 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.47 478.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 448.03 478.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 503.35 478.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 524.24 478.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 98.25 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 122.61 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 139.19 466.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 178.55 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 202.90 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 231.69 466.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 289.92 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 312.06 466.10 Td (than ) Tj ET Q q 0 0 0 rg BT 330.86 466.10 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 366.89 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 376.26 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 382.28 466.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 422.19 466.10 Td (deferral, ) Tj ET Q q 0 0 0 rg BT 457.36 466.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 485.05 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 494.41 466.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 510.44 466.10 Td (any ) Tj ET Q q 0 0 0 rg BT 526.47 466.10 Td (principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.31 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 70.63 454.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 108.72 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.70 454.10 Td (such ) Tj ET Q q 0 0 0 rg BT 141.02 454.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 166.89 454.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 220.53 454.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 239.73 454.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 279.48 454.10 Td (when ) Tj ET Q q 0 0 0 rg BT 303.13 454.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 322.05 454.10 Td (failure ) Tj ET Q q 0 0 0 rg BT 350.13 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.89 454.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 391.87 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 411.63 454.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 440.82 454.10 Td (covenants ) Tj ET Q q 0 0 0 rg BT 482.79 454.10 Td (under ) Tj ET Q q 0 0 0 rg BT 507.54 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.75 454.10 Td (indenture, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 442.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 96.64 442.10 Td (events ) Tj ET Q q 0 0 0 rg BT 124.69 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.52 442.10 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 179.85 442.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.85 442.10 Td (insolvency ) Tj ET Q q 0 0 0 rg BT 230.68 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 241.51 442.10 Td (liquidation. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.15 418.10 Td (a ) Tj ET Q q 0 0 0 rg BT 69.63 418.10 Td (result ) Tj ET Q q 0 0 0 rg BT 93.89 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.26 418.10 Td (these ) Tj ET Q q 0 0 0 rg BT 126.85 418.10 Td (provisions, ) Tj ET Q q 0 0 0 rg BT 173.06 418.10 Td (if ) Tj ET Q q 0 0 0 rg BT 181.20 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 194.90 418.10 Td (were ) Tj ET Q q 0 0 0 rg BT 216.37 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 226.19 418.10 Td (be ) Tj ET Q q 0 0 0 rg BT 237.67 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 247.49 418.10 Td (default ) Tj ET Q q 0 0 0 rg BT 277.29 418.10 Td (under ) Tj ET Q q 0 0 0 rg BT 302.10 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.36 418.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 359.49 418.10 Td (indenture ) Tj ET Q q 0 0 0 rg BT 399.29 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.66 418.10 Td (under ) Tj ET Q q 0 0 0 rg BT 434.47 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.73 418.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 491.85 418.10 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 532.76 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 543.13 418.10 Td (elect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.76 406.10 Td (defer ) Tj ET Q q 0 0 0 rg BT 82.28 406.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 122.59 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.90 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 164.32 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 176.30 406.10 Td (any ) Tj ET Q q 0 0 0 rg BT 192.72 406.10 Td (series ) Tj ET Q q 0 0 0 rg BT 217.47 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.78 406.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 253.65 406.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 307.29 406.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 326.49 406.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 368.74 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 382.38 406.10 Td (would ) Tj ET Q q 0 0 0 rg BT 409.36 406.10 Td (be ) Tj ET Q q 0 0 0 rg BT 420.78 406.10 Td (prohibited ) Tj ET Q q 0 0 0 rg BT 463.87 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 485.29 406.10 Td (declaring ) Tj ET Q q 0 0 0 rg BT 524.47 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 534.79 406.10 Td (paying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.23 394.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 106.91 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 118.71 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 133.83 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 162.28 394.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 187.68 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 208.91 394.10 Td (redeeming, ) Tj ET Q q 0 0 0 rg BT 255.41 394.10 Td (repurchasing ) Tj ET Q q 0 0 0 rg BT 308.85 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 318.97 394.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 359.65 394.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 399.20 394.10 Td (any ) Tj ET Q q 0 0 0 rg BT 415.44 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 425.56 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 440.69 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 469.13 394.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 494.53 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.77 394.10 Td (from ) Tj ET Q q 0 0 0 rg BT 532.00 394.10 Td (making ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.65 382.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 107.20 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.19 382.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 148.84 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.39 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 174.94 382.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 203.80 382.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 227.13 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.12 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.55 382.10 Td (event ) Tj ET Q q 0 0 0 rg BT 275.42 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.97 382.10 Td (our ) Tj ET Q q 0 0 0 rg BT 301.52 382.10 Td (liquidation, ) Tj ET Q q 0 0 0 rg BT 349.56 382.10 Td (which ) Tj ET Q q 0 0 0 rg BT 376.22 382.10 Td (would ) Tj ET Q q 0 0 0 rg BT 403.43 382.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 428.42 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 449.51 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 456.17 382.10 Td (material ) Tj ET Q q 0 0 0 rg BT 491.14 382.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 527.23 382.10 Td (ef) Tj ET Q q 0 0 0 rg BT 534.82 382.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 552.02 382.10 Td (on ) 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 64.72 370.10 Td (market ) Tj ET Q q 0 0 0 rg BT 94.98 370.10 Td (value ) Tj ET Q q 0 0 0 rg BT 119.14 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.97 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 145.80 370.10 Td (common ) Tj ET Q q 0 0 0 rg BT 183.29 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 200.23 370.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 239.37 370.10 Td (stock. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Our) Tj ET Q q 0 0 0 rg BT 67.60 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 70.10 346.10 Td (charter) Tj ET Q q 0 0 0 rg BT 101.56 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.06 346.10 Td (contains ) Tj ET Q q 0 0 0 rg BT 142.12 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 149.62 346.10 Td (pr) Tj ET Q q 0 0 0 rg BT 159.44 346.10 Td (ovision ) Tj ET Q q 0 0 0 rg BT 191.95 346.10 Td (which ) Tj ET Q q 0 0 0 rg BT 220.01 346.10 Td (could ) Tj ET Q q 0 0 0 rg BT 245.85 346.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 268.35 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.18 346.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 313.35 346.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 340.85 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.68 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 359.18 346.10 Td (holder) Tj ET Q q 0 0 0 rg BT 386.78 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 389.28 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 400.11 346.10 Td (our) Tj ET Q q 0 0 0 rg BT 414.93 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.43 346.10 Td (common ) Tj ET Q q 0 0 0 rg BT 456.59 346.10 Td (stock. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 67.86 322.10 Td (charter ) Tj ET Q q 0 0 0 rg BT 97.93 322.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 134.68 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 151.99 322.10 Td (any ) Tj ET Q q 0 0 0 rg BT 168.74 322.10 Td (person ) Tj ET Q q 0 0 0 rg BT 197.71 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 208.35 322.10 Td (group ) Tj ET Q q 0 0 0 rg BT 233.99 322.10 Td (who ) Tj ET Q q 0 0 0 rg BT 253.53 322.10 Td (acquires ) Tj ET Q q 0 0 0 rg BT 289.16 322.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 330.89 322.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 374.86 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.50 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 401.14 322.10 Td (common ) Tj ET Q q 0 0 0 rg BT 438.45 322.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 461.87 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 471.96 322.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 500.37 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 511.01 322.10 Td (14.9% ) Tj ET Q q 0 0 0 rg BT 539.16 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 322.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 99.40 310.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 127.13 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 147.09 310.10 Td (not ) Tj ET Q q 0 0 0 rg BT 162.60 310.10 Td (vote ) Tj ET Q q 0 0 0 rg BT 182.56 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.51 310.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 226.35 310.10 Td (shares. ) Tj ET Q q 0 0 0 rg BT 255.97 310.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 305.31 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 310.55 310.10 Td (if ) Tj ET Q q 0 0 0 rg BT 319.40 310.10 Td (you ) Tj ET Q q 0 0 0 rg BT 337.13 310.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 369.30 310.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 411.45 310.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 455.85 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.92 310.10 Td (more ) Tj ET Q q 0 0 0 rg BT 490.21 310.10 Td (than ) Tj ET Q q 0 0 0 rg BT 510.16 310.10 Td (14.9% ) Tj ET Q q 0 0 0 rg BT 538.73 310.10 Td (of ) 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 (outstanding ) Tj ET Q q 0 0 0 rg BT 99.63 298.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 127.58 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.87 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 155.16 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 193.11 298.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 219.68 298.10 Td (your ) Tj ET Q q 0 0 0 rg BT 240.97 298.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 269.49 298.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 295.23 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 315.97 298.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 347.24 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.98 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 374.27 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 412.23 298.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 436.30 298.10 Td (will ) Tj ET Q q 0 0 0 rg BT 454.81 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 470.55 298.10 Td (be ) Tj ET Q q 0 0 0 rg BT 482.95 298.10 Td (commensurate ) Tj ET Q q 0 0 0 rg BT 544.22 298.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (your ) Tj ET Q q 0 0 0 rg BT 70.83 286.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 112.20 286.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 144.14 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.41 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.24 286.10 Td (company) Tj ET Q q 0 0 0 rg BT 206.25 286.10 Td (. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Anti-takeover) Tj ET Q q 0 0 0 rg BT 109.25 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.75 262.10 Td (pr) Tj ET Q q 0 0 0 rg BT 121.57 262.10 Td (ovisions ) Tj ET Q q 0 0 0 rg BT 157.97 262.10 Td (could ) Tj ET Q q 0 0 0 rg BT 183.81 262.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 229.63 262.10 Td (affect ) Tj ET Q q 0 0 0 rg BT 256.00 262.10 Td (our) Tj ET Q q 0 0 0 rg BT 270.82 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 273.32 262.10 Td (stockholders. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (Provisions ) Tj ET Q q 0 0 0 rg BT 94.60 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.74 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 120.44 238.10 Td (charter ) Tj ET Q q 0 0 0 rg BT 150.56 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 167.36 238.10 Td (bylaws, ) Tj ET Q q 0 0 0 rg BT 200.56 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.14 238.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 255.26 238.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 275.95 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.65 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.23 238.10 Td (state ) Tj ET Q q 0 0 0 rg BT 321.92 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.62 238.10 Td (Maryland ) Tj ET Q q 0 0 0 rg BT 373.86 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.67 238.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 420.79 238.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 441.48 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.29 238.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 505.09 238.10 Td (could ) Tj ET Q q 0 0 0 rg BT 529.67 238.10 Td (delay ) Tj ET Q q 0 0 0 rg BT 553.69 238.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 82.24 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.94 226.10 Td (third ) Tj ET Q q 0 0 0 rg BT 110.09 226.10 Td (party ) Tj ET Q q 0 0 0 rg BT 132.89 226.10 Td (from ) Tj ET Q q 0 0 0 rg BT 154.59 226.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 194.61 226.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 208.26 226.10 Td (despite ) Tj ET Q q 0 0 0 rg BT 238.84 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.32 226.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 288.35 226.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 318.38 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.41 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 344.00 226.10 Td (stockholders, ) Tj ET Q q 0 0 0 rg BT 399.31 226.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.90 226.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 451.03 226.10 Td (negatively ) Tj ET Q q 0 0 0 rg BT 494.94 226.10 Td (af) Tj ET Q q 0 0 0 rg BT 502.53 226.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 519.77 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.25 226.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.42 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.52 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.62 214.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 127.80 214.10 Td (These ) Tj ET Q q 0 0 0 rg BT 154.44 214.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 198.88 214.10 Td (include: ) Tj ET Q q 0 0 0 rg BT 233.86 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 241.07 214.10 Td (prohibition ) Tj ET Q q 0 0 0 rg BT 288.28 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 301.05 214.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 329.38 214.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 357.13 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.23 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 384.33 214.10 Td (common ) Tj ET Q q 0 0 0 rg BT 422.09 214.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 445.97 214.10 Td (beneficially ) Tj ET Q q 0 0 0 rg BT 495.94 214.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 525.37 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 535.91 214.10 Td (excess ) 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 60.97 202.10 Td (14.9% ) Tj ET Q q 0 0 0 rg BT 89.45 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.42 202.10 Td (total ) Tj ET Q q 0 0 0 rg BT 120.84 202.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 148.47 202.10 Td (outstanding; ) Tj ET Q q 0 0 0 rg BT 200.56 202.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 235.95 202.10 Td (notice ) Tj ET Q q 0 0 0 rg BT 263.03 202.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 317.87 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 332.18 202.10 Td (nominations ) Tj ET Q q 0 0 0 rg BT 384.26 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 398.57 202.10 Td (election ) Tj ET Q q 0 0 0 rg BT 432.86 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.28 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 459.26 202.10 Td (board ) Tj ET Q q 0 0 0 rg BT 484.67 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.64 202.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 533.27 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 550.35 202.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (proposing ) Tj ET Q q 0 0 0 rg BT 92.34 190.10 Td (matters ) Tj ET Q q 0 0 0 rg BT 124.11 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.44 190.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 194.32 190.10 Td (may ) Tj ET Q q 0 0 0 rg BT 213.87 190.10 Td (act ) Tj ET Q q 0 0 0 rg BT 227.87 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.20 190.10 Td (at ) Tj ET Q q 0 0 0 rg BT 249.76 190.10 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 298.75 190.10 Td (meetings; ) Tj ET Q q 0 0 0 rg BT 339.97 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.74 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 363.52 190.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 414.16 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 431.49 190.10 Td (only ) Tj ET Q q 0 0 0 rg BT 451.61 190.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 488.93 190.10 Td (may ) Tj ET Q q 0 0 0 rg BT 508.48 190.10 Td (fill ) Tj ET Q q 0 0 0 rg BT 522.49 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 529.26 190.10 Td (vacancy ) 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 59.85 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.25 178.10 Td (board ) Tj ET Q q 0 0 0 rg BT 100.09 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.49 178.10 Td (directors. ) Tj ET Q q 0 0 0 rg BT 150.04 178.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 167.67 178.10 Td (charter ) Tj ET Q q 0 0 0 rg BT 197.49 178.10 Td (also ) Tj ET Q q 0 0 0 rg BT 215.67 178.10 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 258.83 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 274.23 178.10 Td (board ) Tj ET Q q 0 0 0 rg BT 299.07 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 309.47 178.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 346.53 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.38 178.10 Td (issue ) Tj ET Q q 0 0 0 rg BT 378.45 178.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 417.15 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 427.55 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 450.17 178.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 475.85 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.36 178.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 531.06 178.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 178.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 74.29 166.10 Td (could ) Tj ET Q q 0 0 0 rg BT 99.69 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 112.30 166.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 140.48 166.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.99 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 159.61 166.10 Td (defensive ) Tj ET Q q 0 0 0 rg BT 201.11 166.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 237.60 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 248.56 166.10 Td (response ) Tj ET Q q 0 0 0 rg BT 286.73 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 297.69 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.31 166.10 Td (takeover ) Tj ET Q q 0 0 0 rg BT 342.91 166.10 Td (proposal. ) Tj ET Q q 0 0 0 rg BT 383.03 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 386.21 166.10 Td (In ) Tj ET Q q 0 0 0 rg BT 397.72 166.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 436.18 166.10 Td (because ) Tj ET Q q 0 0 0 rg BT 471.00 166.10 Td (we ) Tj ET Q q 0 0 0 rg BT 485.84 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 501.23 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 508.85 166.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 531.47 166.10 Td (holding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (company) Tj ET Q q 0 0 0 rg BT 86.01 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.85 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.41 154.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 136.31 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.98 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 155.77 154.10 Td (third ) Tj ET Q q 0 0 0 rg BT 178.00 154.10 Td (party ) Tj ET Q q 0 0 0 rg BT 201.89 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.01 154.10 Td (acquire ) Tj ET Q q 0 0 0 rg BT 245.78 154.10 Td (us ) Tj ET Q q 0 0 0 rg BT 258.02 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.03 154.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 299.71 154.10 Td (by ) Tj ET Q q 0 0 0 rg BT 313.05 154.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 357.49 154.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 393.05 154.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 414.72 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 432.50 154.10 Td (regulations. ) Tj ET Q q 0 0 0 rg BT 482.78 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.89 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 504.78 154.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 529.23 154.10 Td (Holding ) 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 91.10 142.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 108.37 142.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 143.42 142.10 Td (any ) Tj ET Q q 0 0 0 rg BT 160.69 142.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 182.97 142.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 216.36 142.10 Td (company ) Tj ET Q q 0 0 0 rg BT 255.85 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 266.47 142.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 294.30 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.35 142.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 347.18 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 358.34 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.40 142.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 406.22 142.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 441.26 142.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 468.54 142.10 Td (before ) Tj ET Q q 0 0 0 rg BT 496.91 142.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 537.51 142.10 Td (5% ) Tj ET Q q 0 0 0 rg BT 553.68 142.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (more ) Tj ET Q q 0 0 0 rg BT 73.24 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.27 130.10 Td (any ) Tj ET Q q 0 0 0 rg BT 101.40 130.10 Td (class ) Tj ET Q q 0 0 0 rg BT 123.53 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 134.56 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 150.58 130.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 178.83 130.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 221.79 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.89 130.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 243.80 130.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 269.27 130.10 Td (that ) Tj ET Q q 0 0 0 rg BT 286.96 130.10 Td (is ) Tj ET Q q 0 0 0 rg BT 296.33 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 303.46 130.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 331.70 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.72 130.10 Td (25% ) Tj ET Q q 0 0 0 rg BT 363.75 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 374.77 130.10 Td (more ) Tj ET Q q 0 0 0 rg BT 398.01 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 409.04 130.10 Td (any ) Tj ET Q q 0 0 0 rg BT 426.17 130.10 Td (class ) Tj ET Q q 0 0 0 rg BT 448.30 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.33 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 475.35 130.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 503.60 130.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 546.56 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 557.59 130.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 77.60 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.98 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 94.46 118.10 Td (lesser ) Tj ET Q q 0 0 0 rg BT 119.28 118.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 164.63 118.10 Td (if ) Tj ET Q q 0 0 0 rg BT 172.79 118.10 Td (such ) Tj ET Q q 0 0 0 rg BT 193.17 118.10 Td (holder ) Tj ET Q q 0 0 0 rg BT 220.77 118.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 261.70 118.10 Td (exercises ) Tj ET Q q 0 0 0 rg BT 300.39 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 306.88 118.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 357.25 118.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 400.94 118.10 Td (over ) Tj ET Q q 0 0 0 rg BT 420.76 118.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 434.20 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 442.92 118.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 473.29 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.12 118.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 525.71 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 536.09 118.10 Td (a ) 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 (holding ) Tj ET Q q 0 0 0 rg BT 82.48 106.10 Td (company ) Tj ET Q q 0 0 0 rg BT 121.06 106.10 Td (under ) Tj ET Q q 0 0 0 rg BT 145.76 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.90 106.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 182.94 106.10 Td (Holding ) Tj ET Q q 0 0 0 rg BT 217.64 106.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 258.03 106.10 Td (Act. ) Tj ET Q q 0 0 0 rg BT 276.89 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.82 106.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 305.74 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.88 106.10 Td (Change ) Tj ET Q q 0 0 0 rg BT 352.35 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.06 106.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 385.09 106.10 Td (Control ) Tj ET Q q 0 0 0 rg BT 417.15 106.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 433.51 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.77 106.10 Td (1978, ) Tj ET Q q 0 0 0 rg BT 468.20 106.10 Td (as ) Tj ET Q q 0 0 0 rg BT 478.45 106.10 Td (amended, ) Tj ET Q q 0 0 0 rg BT 518.97 106.10 Td (any ) Tj ET Q q 0 0 0 rg BT 535.34 106.10 Td (person ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 63.55 94.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 95.99 94.10 Td (acting ) Tj ET Q q 0 0 0 rg BT 122.32 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.99 94.10 Td (concert\), ) Tj ET Q q 0 0 0 rg BT 169.13 94.10 Td (other ) Tj ET Q q 0 0 0 rg BT 191.57 94.10 Td (than ) Tj ET Q q 0 0 0 rg BT 210.68 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 217.01 94.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 238.34 94.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 270.79 94.10 Td (company) Tj ET Q q 0 0 0 rg BT 306.79 94.10 Td (, ) Tj ET Q q 0 0 0 rg BT 311.18 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 319.74 94.10 Td (required ) Tj ET Q q 0 0 0 rg BT 354.95 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 364.62 94.10 Td (notify ) Tj ET Q q 0 0 0 rg BT 390.40 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.51 94.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 436.38 94.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 470.48 94.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 496.81 94.10 Td (before ) Tj ET Q q 0 0 0 rg BT 524.24 94.10 Td (acquiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (10% ) Tj ET Q q 0 0 0 rg BT 70.83 82.10 Td (or ) Tj ET Q q 0 0 0 rg BT 81.66 82.10 Td (more ) Tj ET Q q 0 0 0 rg BT 104.71 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.54 82.10 Td (any ) Tj ET Q q 0 0 0 rg BT 132.48 82.10 Td (class ) Tj ET Q q 0 0 0 rg BT 154.41 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.24 82.10 Td (our ) Tj ET Q q 0 0 0 rg BT 181.07 82.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 209.13 82.10 Td (securities. ) Tj ET Q endstream endobj 59 0 obj <> endobj 60 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (29) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Item 1B. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Unr) Tj ET Q q 0 0 0 rg BT 144.04 742.25 Td (esolved Staff Comments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (None.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 694.25 Td (Item 2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 694.25 Td ( Pr) Tj ET Q q 0 0 0 rg BT 137.37 694.25 Td (operties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 670.25 Td (e ) Tj ET Q q 0 0 0 rg BT 102.72 670.25 Td (conduct ) Tj ET Q q 0 0 0 rg BT 138.03 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 155.00 670.25 Td (business ) Tj ET Q q 0 0 0 rg BT 192.54 670.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.41 670.25 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 213.41 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.05 670.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 252.92 670.25 Td (of) Tj ET Q q 0 0 0 rg BT 261.07 670.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 283.59 670.25 Td (located ) Tj ET Q q 0 0 0 rg BT 316.11 670.25 Td (in ) Tj ET Q q 0 0 0 rg BT 327.54 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.40 670.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 380.38 670.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 435.12 670.25 Td (area ) Tj ET Q q 0 0 0 rg BT 455.41 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.50 670.25 Td (one ) Tj ET Q q 0 0 0 rg BT 491.59 670.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 527.45 670.25 Td (of) Tj ET Q q 0 0 0 rg BT 535.60 670.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 554.23 670.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (Philadelphia, ) Tj ET Q q 0 0 0 rg BT 105.48 658.25 Td (Pennsylvania. ) Tj ET Q q 0 0 0 rg BT 166.58 658.25 Td (W) Tj ET Q q 0 0 0 rg BT 175.22 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 182.64 658.25 Td (own ) Tj ET Q q 0 0 0 rg BT 202.86 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 210.28 658.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 247.16 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 258.48 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 274.80 658.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 310.00 658.25 Td (center ) Tj ET Q q 0 0 0 rg BT 337.42 658.25 Td (facilities. ) Tj ET Q q 0 0 0 rg BT 379.62 658.25 Td (The ) Tj ET Q q 0 0 0 rg BT 398.15 658.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 441.69 658.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 479.10 658.25 Td (are ) Tj ET Q q 0 0 0 rg BT 494.30 658.25 Td (leased. ) Tj ET Q q 0 0 0 rg BT 527.06 658.25 Td (W) Tj ET Q q 0 0 0 rg BT 535.70 658.25 Td (e ) Tj ET Q q 0 0 0 rg BT 543.13 658.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (140 ) Tj ET Q q 0 0 0 rg BT 66.55 646.25 Td (A) Tj ET Q q 0 0 0 rg BT 72.67 646.25 Td (TMs ) Tj ET Q q 0 0 0 rg BT 93.55 646.25 Td (at ) Tj ET Q q 0 0 0 rg BT 102.76 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 118.08 646.25 Td (branches ) Tj ET Q q 0 0 0 rg BT 155.61 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.04 646.25 Td (at ) Tj ET Q q 0 0 0 rg BT 181.25 646.25 Td (other ) Tj ET Q q 0 0 0 rg BT 203.79 646.25 Td (locations. ) Tj ET Q q 0 0 0 rg BT 246.74 646.25 Td (W) Tj ET Q q 0 0 0 rg BT 255.38 646.25 Td (e ) Tj ET Q q 0 0 0 rg BT 261.81 646.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 292.67 646.25 Td (that ) Tj ET Q q 0 0 0 rg BT 309.66 646.25 Td (all ) Tj ET Q q 0 0 0 rg BT 321.65 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 331.97 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 347.29 646.25 Td (properties ) Tj ET Q q 0 0 0 rg BT 389.27 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 405.70 646.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 449.90 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 464.10 646.25 Td (well ) Tj ET Q q 0 0 0 rg BT 483.31 646.25 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 532.23 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 542.00 646.25 Td (good ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 89.72 634.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 129.45 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 145.84 634.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 183.33 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 196.95 634.25 Td (all ) Tj ET Q q 0 0 0 rg BT 208.90 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 219.18 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 234.47 634.25 Td (present ) Tj ET Q q 0 0 0 rg BT 265.30 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 281.69 634.25 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 327.52 634.25 Td (needs. ) Tj ET Q q 0 0 0 rg BT 357.24 634.25 Td (See ) Tj ET Q q 0 0 0 rg BT 373.64 634.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 395.03 634.25 Td (7 ) Tj ET Q q 0 0 0 rg BT 401.98 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 412.27 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.44 634.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 449.51 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 459.24 634.25 Td (our ) Tj ET Q q 0 0 0 rg BT 474.53 634.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 527.02 634.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 94.71 622.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 136.08 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 146.36 622.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 167.19 622.25 Td (8 ) Tj ET Q q 0 0 0 rg BT 174.69 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.52 622.25 Td (this ) Tj ET Q q 0 0 0 rg BT 202.47 622.25 Td (report ) Tj ET Q q 0 0 0 rg BT 228.84 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 243.00 622.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 285.49 622.25 Td (information ) Tj ET Q q 0 0 0 rg BT 335.21 622.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 376.02 622.25 Td (our ) Tj ET Q q 0 0 0 rg BT 391.85 622.25 Td (premises ) Tj ET Q q 0 0 0 rg BT 429.90 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.84 622.25 Td (equipment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 598.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 598.25 Td (e ) Tj ET Q q 0 0 0 rg BT 100.86 598.25 Td (also ) Tj ET Q q 0 0 0 rg BT 118.74 598.25 Td (have ) Tj ET Q q 0 0 0 rg BT 139.40 598.25 Td (non-bank ) Tj ET Q q 0 0 0 rg BT 178.95 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 187.10 598.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 203.86 598.25 Td (locations ) Tj ET Q q 0 0 0 rg BT 241.75 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 251.31 598.25 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 288.91 598.25 Td (Forest ) Tj ET Q q 0 0 0 rg BT 315.69 598.25 Td (Park, ) Tj ET Q q 0 0 0 rg BT 338.30 598.25 Td (Lombard ) Tj ET Q q 0 0 0 rg BT 376.73 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.95 598.25 Td (Rosemont,Illinois; ) Tj ET Q q 0 0 0 rg BT 471.40 598.25 Td (Costa ) Tj ET Q q 0 0 0 rg BT 495.96 598.25 Td (Mesa ) Tj ET Q q 0 0 0 rg BT 519.40 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 535.62 598.25 Td (Irvine, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (California; ) Tj ET Q q 0 0 0 rg BT 95.12 586.25 Td (Alpharetta, ) Tj ET Q q 0 0 0 rg BT 142.13 586.25 Td (Geor) Tj ET Q q 0 0 0 rg BT 161.94 586.25 Td (gia; ) Tj ET Q q 0 0 0 rg BT 179.25 586.25 Td (Evansville, ) Tj ET Q q 0 0 0 rg BT 226.27 586.25 Td (Indiana; ) Tj ET Q q 0 0 0 rg BT 261.34 586.25 Td (Leawood, ) Tj ET Q q 0 0 0 rg BT 303.36 586.25 Td (Kansas; ) Tj ET Q q 0 0 0 rg BT 337.33 586.25 Td (Baltimore ) Tj ET Q q 0 0 0 rg BT 379.63 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 396.38 586.25 Td (Hunt ) Tj ET Q q 0 0 0 rg BT 418.52 586.25 Td (V) Tj ET Q q 0 0 0 rg BT 424.63 586.25 Td (alley) Tj ET Q q 0 0 0 rg BT 443.42 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 448.22 586.25 Td (Maryland; ) Tj ET Q q 0 0 0 rg BT 492.19 586.25 Td (Bloomfield ) Tj ET Q q 0 0 0 rg BT 540.05 586.25 Td (Hills, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Michigan; ) Tj ET Q q 0 0 0 rg BT 93.30 574.25 Td (Bloomington, ) Tj ET Q q 0 0 0 rg BT 150.79 574.25 Td (Minnesota; ) Tj ET Q q 0 0 0 rg BT 197.99 574.25 Td (Charlotte, ) Tj ET Q q 0 0 0 rg BT 239.90 574.25 Td (North ) Tj ET Q q 0 0 0 rg BT 265.43 574.25 Td (Carolina; ) Tj ET Q q 0 0 0 rg BT 304.84 574.25 Td (Plymouth ) Tj ET Q q 0 0 0 rg BT 345.94 574.25 Td (Meeting, ) Tj ET Q q 0 0 0 rg BT 383.97 574.25 Td (Pennsylvania; ) Tj ET Q q 0 0 0 rg BT 442.27 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 458.91 574.25 Td (Bee ) Tj ET Q q 0 0 0 rg BT 476.66 574.25 Td (Cave ) Tj ET Q q 0 0 0 rg BT 499.41 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 516.05 574.25 Td (Fort ) Tj ET Q q 0 0 0 rg BT 534.76 574.25 Td (W) Tj ET Q q 0 0 0 rg BT 543.40 574.25 Td (orth, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 562.25 Td (exas. ) Tj ET Q q 0 0 0 rg BT 80.50 562.25 Td (These ) Tj ET Q q 0 0 0 rg BT 106.88 562.25 Td (of) Tj ET Q q 0 0 0 rg BT 115.02 562.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 136.40 562.25 Td (are ) Tj ET Q q 0 0 0 rg BT 151.11 562.25 Td (used ) Tj ET Q q 0 0 0 rg BT 171.94 562.25 Td (by ) Tj ET Q q 0 0 0 rg BT 184.44 562.25 Td (our ) Tj ET Q q 0 0 0 rg BT 200.27 562.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 252.49 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 254.80 562.25 Td (W) Tj ET Q q 0 0 0 rg BT 263.44 562.25 Td (e ) Tj ET Q q 0 0 0 rg BT 270.38 562.25 Td (also ) Tj ET Q q 0 0 0 rg BT 288.99 562.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 320.91 562.25 Td (53 ) Tj ET Q q 0 0 0 rg BT 333.41 562.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 373.68 562.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 396.72 562.25 Td (of) Tj ET Q q 0 0 0 rg BT 404.87 562.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 426.25 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 436.52 562.25 Td (15 ) Tj ET Q q 0 0 0 rg BT 449.02 562.25 Td (states.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 550.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 538.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 538.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.58 538.25 Td (believe ) Tj ET Q q 0 0 0 rg BT 132.95 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 148.78 538.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 185.71 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 195.99 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.70 538.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 252.06 538.25 Td (are ) Tj ET Q q 0 0 0 rg BT 266.77 538.25 Td (suitable ) Tj ET Q q 0 0 0 rg BT 300.38 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 317.31 538.25 Td (adequate ) Tj ET Q q 0 0 0 rg BT 355.35 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 365.62 538.25 Td (operate ) Tj ET Q q 0 0 0 rg BT 397.55 538.25 Td (our ) Tj ET Q q 0 0 0 rg BT 413.38 538.25 Td (businesses.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 514.25 Td (Item 3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 514.25 Td ( Legal Pr) Tj ET Q q 0 0 0 rg BT 163.75 514.25 Td (oceedings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 490.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 490.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.77 490.25 Td (are ) Tj ET Q q 0 0 0 rg BT 116.67 490.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 154.36 490.25 Td (from ) Tj ET Q q 0 0 0 rg BT 176.49 490.25 Td (time ) Tj ET Q q 0 0 0 rg BT 196.96 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.43 490.25 Td (time ) Tj ET Q q 0 0 0 rg BT 227.90 490.25 Td (as ) Tj ET Q q 0 0 0 rg BT 238.93 490.25 Td (plaintif) Tj ET Q q 0 0 0 rg BT 267.63 490.25 Td (f ) Tj ET Q q 0 0 0 rg BT 273.65 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 284.68 490.25 Td (defendant ) Tj ET Q q 0 0 0 rg BT 326.79 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.27 490.25 Td (various ) Tj ET Q q 0 0 0 rg BT 369.40 490.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 391.53 490.25 Td (actions ) Tj ET Q q 0 0 0 rg BT 422.55 490.25 Td (arising ) Tj ET Q q 0 0 0 rg BT 452.46 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 462.93 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.84 490.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 508.86 490.25 Td (course ) Tj ET Q q 0 0 0 rg BT 537.66 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.68 490.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 98.63 478.25 Td (While ) Tj ET Q q 0 0 0 rg BT 124.59 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.32 478.25 Td (ultimate ) Tj ET Q q 0 0 0 rg BT 172.61 478.25 Td (outcome ) Tj ET Q q 0 0 0 rg BT 208.56 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 218.41 478.25 Td (pending ) Tj ET Q q 0 0 0 rg BT 252.15 478.25 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 301.99 478.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 330.16 478.25 Td (be ) Tj ET Q q 0 0 0 rg BT 341.12 478.25 Td (predicted ) Tj ET Q q 0 0 0 rg BT 379.84 478.25 Td (with ) Tj ET Q q 0 0 0 rg BT 399.14 478.25 Td (certainty) Tj ET Q q 0 0 0 rg BT 433.47 478.25 Td (, ) Tj ET Q q 0 0 0 rg BT 437.49 478.25 Td (it ) Tj ET Q q 0 0 0 rg BT 444.57 478.25 Td (is ) Tj ET Q q 0 0 0 rg BT 452.76 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.50 478.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 498.57 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 508.42 478.25 Td (management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (after ) Tj ET Q q 0 0 0 rg BT 71.32 466.25 Td (consultation ) Tj ET Q q 0 0 0 rg BT 123.21 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 143.99 466.25 Td (counsel ) Tj ET Q q 0 0 0 rg BT 177.54 466.25 Td (representing ) Tj ET Q q 0 0 0 rg BT 229.97 466.25 Td (us ) Tj ET Q q 0 0 0 rg BT 241.86 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 252.65 466.25 Td (such ) Tj ET Q q 0 0 0 rg BT 273.98 466.25 Td (proceedings, ) Tj ET Q q 0 0 0 rg BT 327.80 466.25 Td (that ) Tj ET Q q 0 0 0 rg BT 345.80 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 361.02 466.25 Td (resolution ) Tj ET Q q 0 0 0 rg BT 404.02 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 415.36 466.25 Td (these ) Tj ET Q q 0 0 0 rg BT 438.91 466.25 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 490.23 466.25 Td (should ) Tj ET Q q 0 0 0 rg BT 519.90 466.25 Td (not ) Tj ET Q q 0 0 0 rg BT 535.68 466.25 Td (have ) Tj ET Q q 0 0 0 rg BT 557.57 466.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (material ) Tj ET Q q 0 0 0 rg BT 85.26 454.25 Td (adverse ) Tj ET Q q 0 0 0 rg BT 118.30 454.25 Td (ef) Tj ET Q q 0 0 0 rg BT 125.88 454.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 143.37 454.25 Td (on ) Tj ET Q q 0 0 0 rg BT 155.87 454.25 Td (our ) Tj ET Q q 0 0 0 rg BT 171.70 454.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 224.74 454.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 262.22 454.25 Td (position ) Tj ET Q q 0 0 0 rg BT 296.95 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 307.78 454.25 Td (results ) Tj ET Q q 0 0 0 rg BT 336.39 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 347.22 454.25 Td (operation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 430.25 Td (Item 4. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 430.25 Td ( Mine Safety Disclosur) Tj ET Q q 0 0 0 rg BT 220.70 430.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 406.25 Td (Not applicable.) Tj ET Q endstream endobj 61 0 obj <> endobj 62 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (30) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 287.85 742.25 Td (P) Tj ET Q q 0 0 0 rg BT 293.22 742.25 Td (AR) Tj ET Q q 0 0 0 rg BT 307.31 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 313.80 742.25 Td (II) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 706.25 Td (Item 5. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 706.25 Td ( Market for) Tj ET Q q 0 0 0 rg BT 171.79 706.25 Td ( Registrant) Tj ET Q q 0 0 0 rg BT 222.24 706.25 Td (s Common Equity) Tj ET Q q 0 0 0 rg BT 298.93 706.25 Td (, Related Stockholder) Tj ET Q q 0 0 0 rg BT 390.69 706.25 Td ( Matters and Issuer) Tj ET Q q 0 0 0 rg BT 474.11 706.25 Td ( Pur) Tj ET Q q 0 0 0 rg BT 492.54 706.25 Td (chases of Equity ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 86.00 694.25 Td (Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.03 670.25 Td (common ) Tj ET Q q 0 0 0 rg BT 139.50 670.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 162.09 670.25 Td (is ) Tj ET Q q 0 0 0 rg BT 170.24 670.25 Td (traded ) Tj ET Q q 0 0 0 rg BT 196.70 670.25 Td (on ) Tj ET Q q 0 0 0 rg BT 208.18 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.88 670.25 Td (NASDAQ ) Tj ET Q q 0 0 0 rg BT 265.03 670.25 Td (Global ) Tj ET Q q 0 0 0 rg BT 293.72 670.25 Td (Select ) Tj ET Q q 0 0 0 rg BT 319.63 670.25 Td (Market ) Tj ET Q q 0 0 0 rg BT 349.99 670.25 Td (under ) Tj ET Q q 0 0 0 rg BT 374.24 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 387.93 670.25 Td (symbol ) Tj ET Q q 0 0 0 rg BT 418.86 670.25 Td (MBFI. ) Tj ET Q q 0 0 0 rg BT 458.56 670.25 Td (There ) Tj ET Q q 0 0 0 rg BT 483.35 670.25 Td (were ) Tj ET Q q 0 0 0 rg BT 504.26 670.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (2,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 72.50 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 75.00 658.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 106.94 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 117.77 658.25 Td (record ) Tj ET Q q 0 0 0 rg BT 145.81 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.64 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 172.47 658.25 Td (common ) Tj ET Q q 0 0 0 rg BT 209.96 658.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 233.57 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 244.40 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.23 658.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 313.81 658.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.81 658.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 104.99 634.25 Td (following ) Tj ET Q q 0 0 0 rg BT 147.32 634.25 Td (table ) Tj ET Q q 0 0 0 rg BT 170.19 634.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 206.40 634.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 245.94 634.25 Td (market ) Tj ET Q q 0 0 0 rg BT 277.14 634.25 Td (price ) Tj ET Q q 0 0 0 rg BT 300.57 634.25 Td (information ) Tj ET Q q 0 0 0 rg BT 351.22 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 369.10 634.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 408.64 634.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 429.85 634.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 472.17 634.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 492.83 634.25 Td (per ) Tj ET Q q 0 0 0 rg BT 509.04 634.25 Td (share ) Tj ET Q q 0 0 0 rg BT 533.58 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 548.68 634.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (common ) Tj ET Q q 0 0 0 rg BT 87.50 622.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 111.10 622.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.26 622.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.26 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.76 622.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.70 622.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.70 622.25 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 567.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 567.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 567.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 567.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 567.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 567.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 567.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 539.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 539.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 539.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 539.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 539.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 539.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 539.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 511.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 511.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 511.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 511.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 511.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 511.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 483.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 483.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 483.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 483.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 483.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 483.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 455.75 294.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 455.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 455.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 455.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 455.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 455.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 455.75 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 348.5 587.75 m 412.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 587.75 m 416.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 587.75 m 480.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 587.75 m 484.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 587.75 m 548.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 567.75 m 412.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 567.75 m 480.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 567.75 m 548.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 567.75 m 412.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 567.75 m 480.5 567.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 567.75 m 548.5 567.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 590.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.30 591.83 Td (MarketPriceRange) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 570.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 371.55 571.98 Td (High) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.40 571.98 Td (Low) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 498.85 579.83 Td (Dividends) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.20 571.83 Td (Paid) 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 187 556.91259765625 m 207 556.91259765625 l s q 0 0 0 rg BT 187.00 558.48 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 544.32 Td (Quarter ended December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 544.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 544.32 Td (48.06) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 544.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 544.32 Td (35.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.00 544.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 544.32 Td (0.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 530.32 Td (Quarter ended September30, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 530.32 Td (39.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 530.32 Td (39.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 530.32 Td (0.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 516.32 Td (Quarter ended June30, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 516.32 Td (36.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 516.32 Td (36.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 516.32 Td (0.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 502.32 Td (Quarter ended March31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 502.32 Td (33.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 502.32 Td (32.78) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 502.32 Td (0.17) Tj ET Q BT /F2 10.00 Tf ET 0 0 0 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 187 486.91259765625 m 207 486.91259765625 l s q 0 0 0 rg BT 187.00 488.48 Td (2015) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 409.00 486.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 477.00 486.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 545.00 486.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.32 Td (Quarter ended December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.00 474.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 474.32 Td (36.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 474.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 474.32 Td (30.33) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.00 474.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 474.32 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.32 Td (Quarter ended September30, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 460.32 Td (36.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 460.32 Td (30.42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 460.32 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.32 Td (Quarter ended June30, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 446.32 Td (35.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 446.32 Td (29.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 446.32 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 432.32 Td (Quarter ended March31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 432.32 Td (33.10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 432.32 Td (27.93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.15 432.32 Td (0.14) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 404.25 Td (The ) Tj ET Q q 0 0 0 rg BT 104.46 404.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 133.50 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.85 404.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 183.76 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 195.01 404.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 215.70 404.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 257.50 404.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 277.64 404.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 313.32 404.25 Td (on ) Tj ET Q q 0 0 0 rg BT 326.24 404.25 Td (our ) Tj ET Q q 0 0 0 rg BT 342.49 404.25 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 381.78 404.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 411.35 404.25 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 468.97 404.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 506.87 404.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 547.56 404.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.25 Td (other ) Tj ET Q q 0 0 0 rg BT 73.45 392.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 108.55 392.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 143.45 392.25 Td (The ) Tj ET Q q 0 0 0 rg BT 161.90 392.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 196.45 392.25 Td (source ) Tj ET Q q 0 0 0 rg BT 225.45 392.25 Td (for ) Tj ET Q q 0 0 0 rg BT 240.01 392.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 281.80 392.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 301.91 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 312.59 392.25 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 366.04 392.25 Td (is ) Tj ET Q q 0 0 0 rg BT 375.61 392.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 417.40 392.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 437.52 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.19 392.25 Td (us ) Tj ET Q q 0 0 0 rg BT 459.99 392.25 Td (from ) Tj ET Q q 0 0 0 rg BT 482.32 392.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 500.79 392.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 540.90 392.25 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.90 380.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 87.14 380.25 Td (on ) Tj ET Q q 0 0 0 rg BT 99.60 380.25 Td (hand. ) Tj ET Q q 0 0 0 rg BT 126.33 380.25 Td (W) Tj ET Q q 0 0 0 rg BT 134.97 380.25 Td (e ) Tj ET Q q 0 0 0 rg BT 141.87 380.25 Td (have ) Tj ET Q q 0 0 0 rg BT 163.22 380.25 Td (an ) Tj ET Q q 0 0 0 rg BT 175.12 380.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 208.13 380.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 235.59 380.25 Td (which ) Tj ET Q q 0 0 0 rg BT 262.49 380.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 299.40 380.25 Td (that ) Tj ET Q q 0 0 0 rg BT 316.86 380.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 358.21 380.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 377.89 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 388.14 380.25 Td (us ) Tj ET Q q 0 0 0 rg BT 399.49 380.25 Td (by ) Tj ET Q q 0 0 0 rg BT 411.96 380.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 429.99 380.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 469.67 380.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 493.24 380.25 Td (cannot ) Tj ET Q q 0 0 0 rg BT 522.36 380.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 552.58 380.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.84 368.25 Td (that ) Tj ET Q q 0 0 0 rg BT 100.69 368.25 Td (would ) Tj ET Q q 0 0 0 rg BT 128.53 368.25 Td (cause ) Tj ET Q q 0 0 0 rg BT 153.59 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.65 368.25 Td (bank) Tj ET Q q 0 0 0 rg BT 190.87 368.25 Td (s ) Tj ET Q q 0 0 0 rg BT 197.41 368.25 Td (T) Tj ET Q q 0 0 0 rg BT 202.82 368.25 Td (otal ) Tj ET Q q 0 0 0 rg BT 220.66 368.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 264.61 368.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 296.40 368.25 Td (T) Tj ET Q q 0 0 0 rg BT 302.15 368.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 315.55 368.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 323.40 368.25 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 367.34 368.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 399.34 368.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 439.42 368.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 467.26 368.25 Td (tier ) Tj ET Q q 0 0 0 rg BT 483.43 368.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 491.28 368.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 520.78 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 537.86 368.25 Td (T) Tj ET Q q 0 0 0 rg BT 543.62 368.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 557.01 368.25 Td (1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.25 Td (leverage ) Tj ET Q q 0 0 0 rg BT 85.61 356.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 114.00 356.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 137.97 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 147.49 356.25 Td (fall ) Tj ET Q q 0 0 0 rg BT 162.56 356.25 Td (below ) Tj ET Q q 0 0 0 rg BT 188.75 356.25 Td (1) Tj ET Q q 0 0 0 rg BT 193.37 356.25 Td (1%, ) Tj ET Q q 0 0 0 rg BT 210.95 356.25 Td (9%, ) Tj ET Q q 0 0 0 rg BT 228.53 356.25 Td (7.5% ) Tj ET Q q 0 0 0 rg BT 251.10 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 267.29 356.25 Td (7%, ) Tj ET Q q 0 0 0 rg BT 284.86 356.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 332.52 356.25 Td (. ) Tj ET Q q 0 0 0 rg BT 339.14 356.25 Td (These ) Tj ET Q q 0 0 0 rg BT 364.76 356.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 388.73 356.25 Td (are ) Tj ET Q q 0 0 0 rg BT 402.68 356.25 Td (in ) Tj ET Q q 0 0 0 rg BT 412.20 356.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 440.05 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 450.12 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.09 356.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 504.72 356.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 528.69 356.25 Td (required ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.75 344.25 Td (a ) Tj ET Q q 0 0 0 rg BT 70.29 344.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 91.82 344.25 Td (to ) Tj ET Q q 0 0 0 rg BT 101.69 344.25 Td (be ) Tj ET Q q 0 0 0 rg BT 113.22 344.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 158.63 344.25 Td (well ) Tj ET Q q 0 0 0 rg BT 182.38 344.25 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 232.22 344.25 Td (for ) Tj ET Q q 0 0 0 rg BT 245.97 344.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 289.16 344.25 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 329.31 344.25 Td (which ) Tj ET Q q 0 0 0 rg BT 355.84 344.25 Td (are ) Tj ET Q q 0 0 0 rg BT 370.14 344.25 Td (10%, ) Tj ET Q q 0 0 0 rg BT 393.06 344.25 Td (8%, ) Tj ET Q q 0 0 0 rg BT 410.99 344.25 Td (6.5% ) Tj ET Q q 0 0 0 rg BT 433.91 344.25 Td (and ) Tj ET Q q 0 0 0 rg BT 450.44 344.25 Td (5%, ) Tj ET Q q 0 0 0 rg BT 468.37 344.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 516.03 344.25 Td (. ) Tj ET Q q 0 0 0 rg BT 520.62 344.25 Td ( ) Tj ET Q q 0 0 0 rg BT 522.71 344.25 Td (See ) Tj ET Q q 0 0 0 rg BT 539.25 344.25 Td (Item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 59.76 332.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 97.58 332.25 Td (- ) Tj ET Q q 0 0 0 rg BT 103.17 332.25 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 153.21 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.91 332.25 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 216.05 332.25 Td (- ) Tj ET Q q 0 0 0 rg BT 221.64 332.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 252.28 332.25 Td (Adequacyabove. ) Tj ET Q q 0 0 0 rg BT 328.39 332.25 Td ( ) Tj ET Q q 0 0 0 rg BT 330.65 332.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 348.46 332.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 381.27 332.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 408.52 332.25 Td (also ) Tj ET Q q 0 0 0 rg BT 426.89 332.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 461.36 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 475.83 332.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 516.98 332.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 332.25 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.25 Td (these ) Tj ET Q q 0 0 0 rg BT 73.12 320.25 Td (ratios ) Tj ET Q q 0 0 0 rg BT 97.91 320.25 Td (on ) Tj ET Q q 0 0 0 rg BT 110.48 320.25 Td (a ) Tj ET Q q 0 0 0 rg BT 117.49 320.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 170.60 320.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 198.17 320.25 Td (In ) Tj ET Q q 0 0 0 rg BT 209.07 320.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 244.41 320.25 Td (to ) Tj ET Q q 0 0 0 rg BT 254.76 320.25 Td (adhering ) Tj ET Q q 0 0 0 rg BT 292.32 320.25 Td (to ) Tj ET Q q 0 0 0 rg BT 302.67 320.25 Td (our ) Tj ET Q q 0 0 0 rg BT 318.57 320.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 351.68 320.25 Td (policy) Tj ET Q q 0 0 0 rg BT 376.03 320.25 Td (, ) Tj ET Q q 0 0 0 rg BT 381.10 320.25 Td (there ) Tj ET Q q 0 0 0 rg BT 403.65 320.25 Td (are ) Tj ET Q q 0 0 0 rg BT 418.43 320.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 462.10 320.25 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 509.10 320.25 Td (on ) Tj ET Q q 0 0 0 rg BT 521.67 320.25 Td (the ) Tj ET Q q 0 0 0 rg BT 536.46 320.25 Td (ability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.53 308.25 Td (national ) Tj ET Q q 0 0 0 rg BT 94.95 308.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 120.48 308.25 Td (to ) Tj ET Q q 0 0 0 rg BT 130.46 308.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 147.11 308.25 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 193.20 308.25 Td (See ) Tj ET Q q 0 0 0 rg BT 209.84 308.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 234.81 308.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 244.51 308.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 282.28 308.25 Td (- ) Tj ET Q q 0 0 0 rg BT 287.81 308.25 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 337.79 308.25 Td (and ) Tj ET Q q 0 0 0 rg BT 354.43 308.25 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 400.52 308.25 Td (- ) Tj ET Q q 0 0 0 rg BT 406.05 308.25 Td (Dividends ) Tj ET Q q 0 0 0 rg BT 453.80 308.25 Td (above ) Tj ET Q q 0 0 0 rg BT 479.88 308.25 Td (and ) Tj ET Q q 0 0 0 rg BT 496.53 308.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 518.17 308.25 Td (17 ) Tj ET Q q 0 0 0 rg BT 530.37 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 540.90 308.25 Td (notes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 296.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 113.32 296.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 150.80 296.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 195.51 296.25 Td (contained ) Tj ET Q q 0 0 0 rg BT 236.88 296.25 Td (in ) Tj ET Q q 0 0 0 rg BT 247.16 296.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 267.99 296.25 Td (8 ) Tj ET Q q 0 0 0 rg BT 275.49 296.25 Td (of ) Tj ET Q q 0 0 0 rg BT 286.32 296.25 Td (this ) Tj ET Q q 0 0 0 rg BT 303.27 296.25 Td (report.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 284.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 272.25 Td (The ) Tj ET Q q 0 0 0 rg BT 103.48 272.25 Td (following ) Tj ET Q q 0 0 0 rg BT 144.29 272.25 Td (table ) Tj ET Q q 0 0 0 rg BT 165.66 272.25 Td (sets ) Tj ET Q q 0 0 0 rg BT 182.59 272.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 203.96 272.25 Td (information ) Tj ET Q q 0 0 0 rg BT 253.10 272.25 Td (for ) Tj ET Q q 0 0 0 rg BT 266.69 272.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.84 272.25 Td (three ) Tj ET Q q 0 0 0 rg BT 302.75 272.25 Td (months ) Tj ET Q q 0 0 0 rg BT 334.13 272.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.94 272.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 417.95 272.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.95 272.25 Td ( ) Tj ET Q q 0 0 0 rg BT 439.88 272.25 Td (with ) Tj ET Q q 0 0 0 rg BT 459.59 272.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 489.84 272.25 Td (to ) Tj ET Q q 0 0 0 rg BT 499.54 272.25 Td (our ) Tj ET Q q 0 0 0 rg BT 514.80 272.25 Td (repurchases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 260.25 Td (our ) Tj ET Q q 0 0 0 rg BT 76.66 260.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 125.83 260.25 Td (common ) Tj ET Q q 0 0 0 rg BT 163.32 260.25 Td (shares:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 201.75 102.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 152.50 201.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 156.50 201.75 86.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 201.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 246.50 201.75 73.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 201.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 323.50 201.75 130.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 453.50 201.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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ET q 0 0 0 rg BT 227.37 209.61 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.90 213.98 Td (A) Tj ET Q q 0 0 0 rg BT 255.08 213.98 Td (veragePricePaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.85 205.98 Td (per) Tj ET Q q 0 0 0 rg BT 277.26 205.98 Td (Shar) Tj ET Q q 0 0 0 rg BT 295.56 205.98 Td (e) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.35 221.98 Td (T) Tj ET Q q 0 0 0 rg BT 332.95 221.98 Td (otal Number) Tj ET Q q 0 0 0 rg BT 376.14 221.98 Td (ofShar) Tj ET Q q 0 0 0 rg BT 403.10 221.98 Td (esPur) Tj ET Q q 0 0 0 rg BT 424.51 221.98 Td (chased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.20 213.98 Td (asPartof Publicly) Tj ET Q q 0 0 0 rg BT 400.64 213.98 Td (Announced) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.15 205.98 Td (Plansor) Tj ET Q q 0 0 0 rg BT 384.23 205.98 Td (Pr) Tj ET Q q 0 0 0 rg BT 394.52 205.98 Td (ograms) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.20 229.83 Td (Approximate Dollar Value of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.50 221.83 Td (Shares that May Yet Be) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.05 213.83 Td (Purchased Under the Plans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 461.35 205.83 Td (or Programs \(in Thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 192.32 Td (October1, 2016 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 182.32 Td (October31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 182.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 182.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.65 182.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 182.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.00 182.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 182.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 168.32 Td (November1, 2016 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 158.32 Td (November30, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.65 158.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.65 158.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 158.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 158.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 144.32 Td (December1, 2016 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 134.32 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 134.42 Td (935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 134.42 Td (47.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 134.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 134.42 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 120.32 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.65 120.32 Td (935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.00 120.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.15 120.32 Td (47.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.65 120.32 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 118.51 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 104.25 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 68.00 96.78 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 92.25 Td (Includes ) Tj ET Q q 0 0 0 rg BT 121.67 92.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 148.46 92.25 Td (withheld ) Tj ET Q q 0 0 0 rg BT 185.25 92.25 Td (to ) Tj ET Q q 0 0 0 rg BT 194.83 92.25 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 222.73 92.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 236.75 92.25 Td (withholding ) Tj ET Q q 0 0 0 rg BT 286.88 92.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 333.12 92.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 354.92 92.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.93 92.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 403.48 92.25 Td (of ) Tj ET Q q 0 0 0 rg BT 413.61 92.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 436.51 92.25 Td (options ) Tj ET Q q 0 0 0 rg BT 467.76 92.25 Td (and ) Tj ET Q q 0 0 0 rg BT 483.99 92.25 Td (vesting ) Tj ET Q q 0 0 0 rg BT 514.68 92.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.80 92.25 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 80.25 Td (stock 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694.25 Td (price ) Tj ET Q q 0 0 0 rg BT 323.11 694.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.37 694.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 393.71 694.25 Td (201) Tj ET Q q 0 0 0 rg BT 408.34 694.25 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.34 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.60 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 425.63 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.11 694.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 486.95 694.25 Td (common ) Tj ET Q q 0 0 0 rg BT 524.20 694.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 547.57 694.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (each ) Tj ET Q q 0 0 0 rg BT 70.82 682.25 Td (index, ) Tj ET Q q 0 0 0 rg BT 98.03 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 114.97 682.25 Td (that ) Tj ET Q q 0 0 0 rg BT 132.47 682.25 Td (all ) Tj ET Q q 0 0 0 rg BT 144.96 682.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 186.35 682.25 Td (were ) Tj ET Q q 0 0 0 rg BT 208.28 682.25 Td (reinvested. ) Tj ET Q q 0 0 0 rg BT 254.37 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 256.87 682.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.10 658.25 Td (COMP) Tj ET Q q 0 0 0 rg BT 202.53 658.25 Td (ARISON OF 5-YEAR CUMULA) Tj ET Q q 0 0 0 rg BT 337.81 658.25 Td (TIVE ) Tj ET Q q 0 0 0 rg BT 362.90 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 368.83 658.25 Td (OT) Tj ET Q q 0 0 0 rg BT 381.36 658.25 Td (AL) Tj ET Q q 0 0 0 rg BT 394.32 658.25 Td ( RETURN) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.95 646.25 Td (FOR MB FINANCIAL,INC., NASDAQ COMPOSITE INDEX ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.70 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 231.65 634.25 Td (AND SNL) Tj ET Q q 0 0 0 rg BT 274.33 634.25 Td ( MID CAP) Tj ET Q q 0 0 0 rg BT 317.86 634.25 Td ( BANK INDEX) Tj ET Q /GS0 gs q 460.00 0 0 365.00 76.00 252.25 cm /I18 Do Q BT /F1 10.00 Tf ET BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 250.05 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 215.55 162.00 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215.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274.5 215.54999999999995 m 328.5 215.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 332.5 215.54999999999995 m 386.5 215.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 215.54999999999995 m 444.5 215.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 215.54999999999995 m 502.5 215.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 215.54999999999995 m 560.5 215.54999999999995 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 230.27 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 363.20 231.63 Td (PeriodEnding) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 219.63 Td (Index) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.95 219.63 Td (12/31/2011) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.75 219.63 Td (12/31/2012) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 340.75 219.63 Td (12/31/2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.75 219.63 Td 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rg BT 96.38 586.10 Td (- ) Tj ET Q q 0 0 0 rg BT 102.21 586.10 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 149.61 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.11 586.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 191.83 586.10 Td (Information.") Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Selected Financial Data:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 512.60 217.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 512.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 512.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 512.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 512.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 512.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 512.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 512.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 512.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 512.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 512.60 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 485.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 485.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 485.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 485.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 485.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 485.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 485.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 457.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 457.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 457.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 457.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 457.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 457.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 457.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 457.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 457.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 457.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 457.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 429.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 429.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 429.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 429.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 429.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 429.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 429.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 429.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 429.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 429.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 429.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 401.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 401.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 401.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 401.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 401.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 401.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 401.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 401.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 401.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 401.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 401.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 373.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 373.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 373.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 373.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 373.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 373.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 373.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 373.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 373.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 373.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 373.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 345.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 345.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 345.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 345.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 345.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 345.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 318.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 318.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 318.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 318.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 318.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 318.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 318.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 318.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 318.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 318.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 318.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 290.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 290.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 290.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 290.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 290.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 290.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 290.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 290.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 290.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 290.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 290.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 262.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 262.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 262.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 262.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 262.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 262.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 262.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 262.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 262.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 262.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 262.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 234.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 234.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 234.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 234.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 234.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 234.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 234.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 234.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 234.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 234.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 234.60 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 271.5 527.6 m 326.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 527.6 m 330.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 527.6 m 385.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 527.6 m 389.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 527.6 m 444.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 527.6 m 448.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 527.6 m 503.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 527.6 m 507.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 527.6 m 562.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 527.6 m 326.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 512.6 m 326.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 527.6 m 385.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 512.6 m 385.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 527.6 m 444.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 512.6 m 444.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 527.6 m 503.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 512.6 m 503.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 527.6 m 562.5 527.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 512.6 m 562.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 471.6 m 326.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 471.6 m 385.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 471.6 m 444.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 471.6 m 503.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 471.6 m 562.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 471.6 m 326.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 471.6 m 385.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 471.6 m 444.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 471.6 m 503.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 471.6 m 562.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 443.6 m 326.5 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 443.6 m 385.5 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 443.6 m 444.5 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 443.6 m 503.5 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 443.6 m 562.5 443.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 401.6 m 326.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 401.6 m 385.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 401.6 m 444.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 401.6 m 503.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 401.6 m 562.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 373.6 m 326.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 373.6 m 385.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 373.6 m 444.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 373.6 m 503.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 373.6 m 562.5 373.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 345.6 m 326.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 345.6 m 385.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 345.6 m 444.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 345.6 m 503.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 345.6 m 562.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 345.6 m 326.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 332.6 m 326.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 330.6 m 326.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 345.6 m 385.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 332.6 m 385.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 330.6 m 385.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 345.6 m 444.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 332.6 m 444.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 330.6 m 444.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 345.6 m 503.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 332.6 m 503.5 332.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 330.6 m 503.5 330.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 345.6 m 562.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 332.6 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 507.5 330.6 m 562.5 330.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 531.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.60 531.00 Td (AsoforfortheYearEndedDecember31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 517.05 Td (\(Dollarsinthousands, except per share data\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 284.95 517.05 Td (2016 ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 305.20 521.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 517.05 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.95 517.05 Td (2014 ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 423.20 521.13 Td (\(1\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 517.05 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.50 517.05 Td (2012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 504.00 Td (Statement of Operations Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 503.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 503.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 503.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 503.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 503.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 490.06 Td (Interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 490.06 Td (557,177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 490.06 Td (494,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 490.06 Td (375,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 490.06 Td (297,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 490.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 490.06 Td (335,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 476.06 Td (Interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 476.06 Td (39,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 476.06 Td (28,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 476.06 Td (24,325) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 476.06 Td (25,559) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 476.06 Td (42,522) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 462.06 Td (Net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 462.06 Td (517,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 462.06 Td (465,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 462.06 Td (350,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 462.06 Td (272,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 462.06 Td (292,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 448.06 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 448.06 Td (19,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 448.06 Td (21,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 448.06 Td (12,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 448.06 Td (\(5,804) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 448.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.25 448.06 Td (\(8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 448.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 434.06 Td (Net interest income after provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 434.06 Td (498,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 434.06 Td (444,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 434.06 Td (338,771) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 434.06 Td (278,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 434.06 Td (301,688) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 420.06 Td (Non-interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 420.06 Td (374,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 420.06 Td (322,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 420.06 Td (221,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 420.06 Td (154,394) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 420.06 Td (129,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 406.06 Td (Non-interest expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 406.06 Td (619,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 406.06 Td (534,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 406.06 Td (436,782) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 406.06 Td (294,588) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 406.06 Td (304,030) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 392.06 Td (Income before income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 392.06 Td (253,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 392.06 Td (232,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 392.06 Td (123,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 392.06 Td (137,946) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 392.06 Td (126,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 378.06 Td (Applicable income tax expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 378.06 Td (79,244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 378.06 Td (73,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 378.06 Td (37,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 378.06 Td (39,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 378.06 Td (36,477) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 364.06 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 364.06 Td (174,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 364.06 Td (158,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 364.06 Td (86,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 364.06 Td (98,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 364.06 Td (90,374) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 350.06 Td (Dividends and discount accretion on preferred shares) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 350.06 Td (8,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 350.06 Td (8,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 350.06 Td (4,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 350.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 350.06 Td (3,269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 336.06 Td (Net income available to common stockholders) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 336.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 336.06 Td (166,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 336.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 336.06 Td (150,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 336.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 336.06 Td (82,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 336.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 336.06 Td (98,455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 336.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 336.06 Td (87,105) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 323.00 Td (Common Share Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 322.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 322.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 322.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 322.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 322.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 309.06 Td (Basic earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 309.06 Td (2.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 309.06 Td (2.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 309.06 Td (1.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 309.06 Td (1.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 309.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 309.06 Td (1.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 295.06 Td (Diluted earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 295.06 Td (2.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 295.06 Td (2.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 295.06 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 295.06 Td (1.79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 295.06 Td (1.60) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 281.06 Td (Book value per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 281.06 Td (29.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 281.06 Td (26.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 281.06 Td (25.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 281.06 Td (24.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 281.06 Td (23.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 267.06 Td (Weighted average common shares outstanding:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 267.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 267.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 267.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 267.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 267.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 253.06 Td (Basic) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 253.06 Td (76,968,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 253.06 Td (74,177,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 253.06 Td (62,012,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 253.06 Td (54,509,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 253.06 Td (54,270,297) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 239.06 Td (Diluted) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 239.06 Td (77,976,121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 239.06 Td (74,849,030) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 239.06 Td (62,573,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 239.06 Td (54,993,865) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 239.06 Td (54,505,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 225.06 Td (Dividend payout ratio on common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 225.06 Td (34.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 225.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 225.06 Td (32.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 225.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 225.06 Td (39.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 225.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 225.06 Td (24.58) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 225.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 225.06 Td (8.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 225.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 211.06 Td (Cash dividends per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 211.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 211.06 Td (0.74) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 211.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 211.06 Td (0.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 211.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 211.06 Td (0.52) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 211.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 211.06 Td (0.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 211.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 211.06 Td (0.13) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 195.10 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 188.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 184.30 Td (On ) Tj ET Q q 0 0 0 rg BT 80.89 184.30 Td (August ) Tj ET Q q 0 0 0 rg BT 109.32 184.30 Td (24, ) Tj ET Q q 0 0 0 rg BT 122.99 184.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 145.67 184.30 Td (we ) Tj ET Q q 0 0 0 rg BT 158.59 184.30 Td (completed ) Tj ET Q q 0 0 0 rg BT 198.50 184.30 Td (the ) Tj ET Q q 0 0 0 rg BT 211.39 184.30 Td (American ) Tj ET Q q 0 0 0 rg BT 249.29 184.30 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 287.20 184.30 Td (mer) Tj ET Q q 0 0 0 rg BT 301.03 184.30 Td (ger) Tj ET Q q 0 0 0 rg BT 312.03 184.30 Td (. ) Tj ET Q q 0 0 0 rg BT 316.70 184.30 Td ( ) Tj ET Q q 0 0 0 rg BT 319.13 184.30 Td (On ) Tj ET Q q 0 0 0 rg BT 332.02 184.30 Td (August ) Tj ET Q q 0 0 0 rg BT 360.45 184.30 Td (18, ) Tj ET Q q 0 0 0 rg BT 374.12 184.30 Td (2014, ) Tj ET Q q 0 0 0 rg BT 396.80 184.30 Td (we ) Tj ET Q q 0 0 0 rg BT 409.72 184.30 Td (completed ) Tj ET Q q 0 0 0 rg BT 449.63 184.30 Td (the ) Tj ET Q q 0 0 0 rg BT 462.87 184.30 Td (T) Tj ET Q q 0 0 0 rg BT 467.74 184.30 Td (aylor ) Tj ET Q q 0 0 0 rg BT 488.66 184.30 Td (Capital ) Tj ET Q q 0 0 0 rg BT 517.08 184.30 Td (mer) Tj ET Q q 0 0 0 rg BT 530.91 184.30 Td (ger) Tj ET Q q 0 0 0 rg BT 541.91 184.30 Td (. ) Tj ET Q q 0 0 0 rg BT 546.58 184.30 Td ( ) Tj ET Q q 0 0 0 rg BT 549.01 184.30 Td (See ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 173.50 Td (Note ) Tj ET Q q 0 0 0 rg BT 87.74 173.50 Td (2 ) Tj ET Q q 0 0 0 rg BT 94.49 173.50 Td (of ) Tj ET Q q 0 0 0 rg BT 104.24 173.50 Td (the ) Tj ET Q q 0 0 0 rg BT 117.49 173.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 138.73 173.50 Td (to ) Tj ET Q q 0 0 0 rg BT 147.98 173.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 195.72 173.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 229.46 173.50 Td (statements ) Tj ET Q q 0 0 0 rg BT 269.70 173.50 Td (contained ) Tj ET Q q 0 0 0 rg BT 306.93 173.50 Td (under ) Tj ET Q q 0 0 0 rg BT 329.67 173.50 Td (Item ) Tj ET Q q 0 0 0 rg BT 352.41 173.50 Td (8. ) Tj ET Q q 0 0 0 rg BT 361.41 173.50 Td (Financial ) Tj ET Q q 0 0 0 rg BT 397.15 173.50 Td (Statements ) Tj ET Q q 0 0 0 rg BT 438.89 173.50 Td (and ) Tj ET Q q 0 0 0 rg BT 454.14 173.50 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 510.88 173.50 Td (Data.) Tj ET Q endstream endobj 67 0 obj <> endobj 68 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (33) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Selected Financial Data \(continued\):) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 50.00 736.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 701.75 217.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 701.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 701.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.50 701.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 701.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 701.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 701.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 701.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 701.75 55.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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0.9333333333333333 1 rg /GS0 gs 385.50 214.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 214.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 214.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 214.75 55.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 214.75 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 214.75 55.00 -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 271.5 713.75 m 326.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326.5 713.75 m 330.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 713.75 m 385.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385.5 713.75 m 389.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 713.75 m 444.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 713.75 m 448.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 713.75 m 503.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 713.75 m 507.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 713.75 m 562.5 713.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 701.75 m 326.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 701.75 m 385.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 701.75 m 444.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 701.75 m 503.5 701.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 701.75 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 271.5 447.75 m 326.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 447.75 m 385.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 447.75 m 444.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 447.75 m 503.5 447.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 447.75 m 562.5 447.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 717.15 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 336.60 717.15 Td (AsoforfortheYearEndedDecember31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 705.15 Td (\(Dollarsinthousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.50 705.15 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 348.50 705.15 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 705.15 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 705.15 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.50 705.15 Td (2012) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 693.15 Td (Balance Sheet Data:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 693.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 693.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 693.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 693.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 693.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 678.21 Td (Cash and cash equivalents) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 274.00 678.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 678.21 Td (463,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 678.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 678.21 Td (381,441) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 678.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 678.21 Td (312,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 678.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 678.21 Td (473,459) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 678.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 678.21 Td (287,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 663.21 Td (Investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 663.21 Td (2,909,221) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 663.21 Td (2,930,066) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 663.21 Td (2,723,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 663.21 Td (2,352,862) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 663.21 Td (2,416,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 648.21 Td (Loans, gross) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 648.21 Td (12,768,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 648.21 Td (9,793,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 648.21 Td (9,083,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 648.21 Td (5,712,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 648.21 Td (5,766,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 633.21 Td (Allowance for loan and lease losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 633.21 Td (139,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 633.21 Td (128,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 633.21 Td (110,026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 633.21 Td (111,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 633.21 Td (124,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 618.21 Td (Loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 618.21 Td (716,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 618.21 Td (744,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 618.21 Td (737,209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 618.21 Td (629) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 618.21 Td (7,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 603.21 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 603.21 Td (19,302,317) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 603.21 Td (15,585,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 603.21 Td (14,602,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 603.21 Td (9,641,427) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 603.21 Td (9,571,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 587.21 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 278.00 587.21 Td (14,110,448) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.00 587.21 Td (11,505,215) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 587.21 Td (10,990,942) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 587.21 Td (7,381,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 587.21 Td (7,542,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 572.21 Td (Short-term and long-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 572.21 Td (1,881,078) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 572.21 Td (1,406,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 572.21 Td (1,014,331) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 572.21 Td (555,548) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 572.21 Td (336,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 557.21 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 289.25 557.21 Td (210,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.25 557.21 Td (186,164) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 557.21 Td (185,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.25 557.21 Td (152,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.25 557.21 Td (152,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 542.21 Td (Stockholders equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.50 542.21 Td (2,579,209) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.50 542.21 Td (2,087,284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.50 542.21 Td (2,028,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.50 542.21 Td (1,326,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 542.21 Td (1,275,770) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 529.15 Td (Performance Ratios:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 527.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 527.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 527.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 527.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 527.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 514.01 Td (Return on average assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 512.21 Td (1.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 512.21 Td (1.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 512.21 Td (0.75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 512.21 Td (1.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 512.21 Td (0.95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 512.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 499.01 Td (Return on average equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 497.21 Td (7.65) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 497.21 Td (7.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 497.21 Td (5.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 497.21 Td (7.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 497.21 Td (7.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 484.01 Td (Return on average common equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 482.21 Td (7.69) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 482.21 Td (7.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 482.21 Td (5.29) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 482.21 Td (7.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 482.21 Td (7.05) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 469.01 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 110.81 469.01 Td (gin ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 124.56 473.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 467.21 Td (3.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 467.21 Td (3.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 467.21 Td (3.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 467.21 Td (3.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 467.21 Td (3.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 454.01 Td (Tax equivalent effect) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 452.21 Td (0.19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 452.21 Td (0.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 452.21 Td (0.23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 452.21 Td (0.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 452.21 Td (0.24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 439.01 Td (Net interest mar) Tj ET Q q 0 0 0 rg BT 110.81 439.01 Td (gin fully tax equivalent basis ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 228.29 443.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.11 439.01 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 437.21 Td (3.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 437.21 Td (3.84) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 437.21 Td (3.77) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 437.21 Td (3.59) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 437.21 Td (3.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 424.01 Td (Loans to deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 422.21 Td (90.49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 422.21 Td (85.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 422.21 Td (82.64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 422.21 Td (77.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 422.21 Td (76.46) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 409.15 Td (Asset Quality Ratios:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 407.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 394.01 Td (Non-performing loans to total loans ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 184.23 398.09 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 392.21 Td (0.46) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 392.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 392.21 Td (1.07) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 392.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 392.21 Td (0.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 392.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 392.21 Td (1.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 392.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 392.21 Td (2.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 392.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 379.01 Td (Non-performing assets to total assets ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 188.22 383.09 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 377.21 Td (0.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 377.21 Td (0.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 377.21 Td (0.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 377.21 Td (1.36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 377.21 Td (1.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 364.01 Td (Allowance for loan and lease losses to total loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 362.21 Td (1.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 362.21 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 362.21 Td (1.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 362.21 Td (1.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 362.21 Td (2.15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 349.01 Td (Allowance for loan and lease losses to non-performing ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 340.01 Td (loans ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 74.25 344.09 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 339.21 Td (234.81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.75 339.21 Td (122.43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 339.21 Td (126.34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 339.21 Td (104.87) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 339.21 Td (106.17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 326.01 Td (Net loan charge-offs to average loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 324.21 Td (0.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 324.21 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 324.21 Td (0.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 324.21 Td (0.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 324.21 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 324.21 Td (\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 311.15 Td (Liquidity and Capital Ratios:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 309.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 309.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 309.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 309.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 309.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 296.01 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 302.75 294.21 Td (8.72) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 294.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 361.75 294.21 Td (9.27) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 294.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.95 294.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.95 294.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.95 294.21 Td (N/A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 281.01 Td (Tier 1 capital to risk-weighted assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 279.21 Td (9.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 279.21 Td (11.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 377.50 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 279.21 Td (12.61) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 279.21 Td (15.28) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 279.21 Td (14.73) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 279.21 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 266.01 Td (Total capital to risk-weighted assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 264.21 Td (11.63) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 264.21 Td (12.54) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 264.21 Td (13.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 264.21 Td (16.53) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 264.21 Td (16.62) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 251.01 Td (Tier 1 capital to average assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 302.75 249.21 Td (8.38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 249.21 Td (10.40) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 249.21 Td (10.47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 249.21 Td (11.22) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 249.21 Td (10.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 236.01 Td (Average equity to average assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 234.21 Td (13.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 234.21 Td (13.89) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 234.21 Td (13.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 234.21 Td (13.82) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 234.21 Td (13.35) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 221.15 Td (Other:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 382.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 219.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 206.01 Td (Banking facilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 204.21 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 368.50 204.21 Td (81) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 204.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 204.21 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 204.21 Td (86) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 191.01 Td (Full time equivalent employees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 189.21 Td (3,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.25 189.21 Td (2,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 189.21 Td (2,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 189.21 Td (1,775) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 189.21 Td (1,758) Tj ET Q BT /F1 10.00 Tf ET BT /F1 5.00 Tf ET q 0 0 0 rg BT 50.00 179.25 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 172.53 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 168.45 Td (Net ) Tj ET Q q 0 0 0 rg BT 101.24 168.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 129.98 168.45 Td (mar) Tj ET Q q 0 0 0 rg BT 143.81 168.45 Td (gin ) Tj ET Q q 0 0 0 rg BT 157.56 168.45 Td (represents ) Tj ET Q q 0 0 0 rg BT 196.30 168.45 Td (net ) Tj ET Q q 0 0 0 rg BT 209.54 168.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 238.28 168.45 Td (income ) Tj ET Q q 0 0 0 rg BT 267.02 168.45 Td (as ) Tj ET Q q 0 0 0 rg BT 276.77 168.45 Td (a ) Tj ET Q q 0 0 0 rg BT 283.02 168.45 Td (percentage ) Tj ET Q q 0 0 0 rg BT 324.24 168.45 Td (of ) Tj ET Q q 0 0 0 rg BT 333.98 168.45 Td (average ) Tj ET Q q 0 0 0 rg BT 364.21 168.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 392.95 168.45 Td (earning ) Tj ET Q q 0 0 0 rg BT 422.19 168.45 Td (assets.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 161.73 Td (\(2\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 157.65 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 147.26 157.65 Td (loans ) Tj ET Q q 0 0 0 rg BT 168.52 157.65 Td (include ) Tj ET Q q 0 0 0 rg BT 197.29 157.65 Td (loans ) Tj ET Q q 0 0 0 rg BT 218.56 157.65 Td (accounted ) Tj ET Q q 0 0 0 rg BT 257.31 157.65 Td (for ) Tj ET Q q 0 0 0 rg BT 270.07 157.65 Td (on ) Tj ET Q q 0 0 0 rg BT 281.35 157.65 Td (a ) Tj ET Q q 0 0 0 rg BT 287.61 157.65 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 332.36 157.65 Td (basis ) Tj ET Q q 0 0 0 rg BT 352.63 157.65 Td (and ) Tj ET Q q 0 0 0 rg BT 367.90 157.65 Td (accruing ) Tj ET Q q 0 0 0 rg BT 401.15 157.65 Td (loans ) Tj ET Q q 0 0 0 rg BT 422.42 157.65 Td (contractually ) Tj ET Q q 0 0 0 rg BT 471.67 157.65 Td (past ) Tj ET Q q 0 0 0 rg BT 488.44 157.65 Td (due ) Tj ET Q q 0 0 0 rg BT 503.70 157.65 Td (90 ) Tj ET Q q 0 0 0 rg BT 514.98 157.65 Td (days ) Tj ET Q q 0 0 0 rg BT 533.75 157.65 Td (or ) Tj ET Q q 0 0 0 rg BT 543.51 157.65 Td (more ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 146.85 Td (as ) Tj ET Q q 0 0 0 rg BT 95.54 146.85 Td (to ) Tj ET Q q 0 0 0 rg BT 104.59 146.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 133.13 146.85 Td (or ) Tj ET Q q 0 0 0 rg BT 142.68 146.85 Td (principal. ) Tj ET Q q 0 0 0 rg BT 181.21 146.85 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 242.24 146.85 Td (loans ) Tj ET Q q 0 0 0 rg BT 263.29 146.85 Td (excludes ) Tj ET Q q 0 0 0 rg BT 296.82 146.85 Td (purchased ) Tj ET Q q 0 0 0 rg BT 335.35 146.85 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 392.87 146.85 Td (loans ) Tj ET Q q 0 0 0 rg BT 413.92 146.85 Td (and ) Tj ET Q q 0 0 0 rg BT 428.96 146.85 Td (loans ) Tj ET Q q 0 0 0 rg BT 450.01 146.85 Td (held ) Tj ET Q q 0 0 0 rg BT 467.55 146.85 Td (for ) Tj ET Q q 0 0 0 rg BT 480.09 146.85 Td (sale.See ) Tj ET Q q 0 0 0 rg BT 515.88 146.85 Td (Note ) Tj ET Q q 0 0 0 rg BT 535.42 146.85 Td (5 ) Tj ET Q q 0 0 0 rg BT 541.97 146.85 Td (in ) Tj ET Q q 0 0 0 rg BT 551.02 146.85 Td (the ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 136.05 Td (notes ) Tj ET Q q 0 0 0 rg BT 107.25 136.05 Td (to ) Tj ET Q q 0 0 0 rg BT 116.50 136.05 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 164.24 136.05 Td (financial ) Tj ET Q q 0 0 0 rg BT 197.97 136.05 Td (statements ) Tj ET Q q 0 0 0 rg BT 238.21 136.05 Td (contained ) Tj ET Q q 0 0 0 rg BT 275.44 136.05 Td (under ) Tj ET Q q 0 0 0 rg BT 298.19 136.05 Td (Item ) Tj ET Q q 0 0 0 rg BT 316.93 136.05 Td (8. ) Tj ET Q q 0 0 0 rg BT 325.93 136.05 Td (Financial ) Tj ET Q q 0 0 0 rg BT 361.67 136.05 Td (Statements ) Tj ET Q q 0 0 0 rg BT 403.41 136.05 Td (and ) Tj ET Q q 0 0 0 rg BT 418.66 136.05 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 475.40 136.05 Td (Data.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 129.33 Td (\(3\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 125.25 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 147.51 125.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 171.04 125.25 Td (include ) Tj ET Q q 0 0 0 rg BT 200.05 125.25 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 259.57 125.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 283.34 125.25 Td (other ) Tj ET Q q 0 0 0 rg BT 304.36 125.25 Td (real ) Tj ET Q q 0 0 0 rg BT 320.38 125.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 343.39 125.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 369.91 125.25 Td (and ) Tj ET Q q 0 0 0 rg BT 385.44 125.25 Td (other ) Tj ET Q q 0 0 0 rg BT 406.46 125.25 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 451.47 125.25 Td (assets. ) Tj ET Q q 0 0 0 rg BT 479.50 125.25 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 541.01 125.25 Td (assets ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 114.45 Td (excludes ) Tj ET Q q 0 0 0 rg BT 119.92 114.45 Td (purchased ) Tj ET Q q 0 0 0 rg BT 158.83 114.45 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 216.73 114.45 Td (loans, ) Tj ET Q q 0 0 0 rg BT 240.41 114.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 261.84 114.45 Td (held ) Tj ET Q q 0 0 0 rg BT 279.76 114.45 Td (for ) Tj ET Q q 0 0 0 rg BT 292.69 114.45 Td (sale, ) Tj ET Q q 0 0 0 rg BT 311.36 114.45 Td (and ) Tj ET Q q 0 0 0 rg BT 326.79 114.45 Td (other ) Tj ET Q q 0 0 0 rg BT 347.71 114.45 Td (real ) Tj ET Q q 0 0 0 rg BT 363.62 114.45 Td (estate ) Tj ET Q q 0 0 0 rg BT 386.54 114.45 Td (owned ) Tj ET Q q 0 0 0 rg BT 412.97 114.45 Td (related ) Tj ET Q q 0 0 0 rg BT 439.88 114.45 Td (to ) Tj ET Q q 0 0 0 rg BT 449.31 114.45 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 472.24 114.45 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 522.16 114.45 Td (See ) Tj ET Q q 0 0 0 rg BT 537.59 114.45 Td (Note ) Tj ET Q q 0 0 0 rg BT 557.51 114.45 Td (5 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 103.65 Td (in ) Tj ET Q q 0 0 0 rg BT 95.25 103.65 Td (the ) Tj ET Q q 0 0 0 rg BT 108.50 103.65 Td (notes ) Tj ET Q q 0 0 0 rg BT 129.74 103.65 Td (to ) Tj ET Q q 0 0 0 rg BT 138.99 103.65 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 186.73 103.65 Td (financial ) Tj ET Q q 0 0 0 rg BT 220.46 103.65 Td (statements ) Tj ET Q q 0 0 0 rg BT 260.70 103.65 Td (contained ) Tj ET Q q 0 0 0 rg BT 297.94 103.65 Td (under ) Tj ET Q q 0 0 0 rg BT 320.68 103.65 Td (Item ) Tj ET Q q 0 0 0 rg BT 339.42 103.65 Td (8. ) Tj ET Q q 0 0 0 rg BT 348.42 103.65 Td (Financial ) Tj ET Q q 0 0 0 rg BT 384.16 103.65 Td (Statements ) Tj ET Q q 0 0 0 rg BT 425.91 103.65 Td (and ) Tj ET Q q 0 0 0 rg BT 441.15 103.65 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 497.89 103.65 Td (Data.) Tj ET Q endstream endobj 69 0 obj <> endobj 70 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (34) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 742.25 Td (Selected Financial Data \(continued\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The following table sets forth our selected quarterly financial data \(in thousands, except common share data\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 706.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 667.75 120.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 667.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 667.75 45.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 629.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 629.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 629.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 601.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 601.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 601.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 563.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 316.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 516.50 563.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 535.75 120.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 535.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.50 535.75 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 535.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 222.50 535.75 45.00 -14.00 re f /GS0 gs 0.8 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587.75 m 463.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 587.75 m 512.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 587.75 m 561.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 587.75 m 218.5 587.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 535.75 m 218.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 535.75 m 267.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 535.75 m 316.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 535.75 m 365.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 535.75 m 414.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 535.75 m 463.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 535.75 m 512.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 535.75 m 561.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 535.75 m 218.5 535.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 507.75 m 218.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 507.75 m 267.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 507.75 m 316.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 507.75 m 365.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 507.75 m 414.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 507.75 m 463.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 507.75 m 512.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 507.75 m 561.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 507.75 m 218.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 507.75 m 267.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 507.75 m 316.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 507.75 m 365.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 507.75 m 414.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 507.75 m 463.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 507.75 m 512.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 507.75 m 561.5 507.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 481.75 m 218.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 481.75 m 218.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 458.75 m 218.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 456.75 m 218.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 481.75 m 267.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 458.75 m 267.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 456.75 m 267.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 481.75 m 316.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 458.75 m 316.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 456.75 m 316.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 481.75 m 365.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 458.75 m 365.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 456.75 m 365.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 481.75 m 414.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 458.75 m 414.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 456.75 m 414.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 481.75 m 463.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 458.75 m 463.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 456.75 m 463.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 481.75 m 512.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 458.75 m 512.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 456.75 m 512.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 481.75 m 561.5 481.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 458.75 m 561.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 456.75 m 561.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 456.75 m 218.5 456.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 458.75 m 218.5 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 418.75 m 218.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 418.75 m 267.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 418.75 m 316.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 418.75 m 365.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 418.75 m 414.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 418.75 m 463.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 418.75 m 512.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 418.75 m 561.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 418.75 m 218.5 418.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 399.75 m 218.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173.5 397.75 m 218.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 399.75 m 267.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 222.5 397.75 m 267.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 399.75 m 316.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 397.75 m 316.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 399.75 m 365.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 320.5 397.75 m 365.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 399.75 m 414.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 397.75 m 414.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 399.75 m 463.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 397.75 m 463.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 399.75 m 512.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 467.5 397.75 m 512.5 397.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 399.75 m 561.5 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 516.5 397.75 m 561.5 397.75 l s BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.00 685.87 Td () Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 226.45 685.87 Td (ThreeMonthsEnded2016) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 422.45 685.87 Td (ThreeMonthsEnded2015) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.00 671.87 Td () Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 179.30 671.87 Td (December) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 227.25 671.87 Td (September) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 285.75 671.87 Td (June) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 331.70 671.87 Td (March) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 375.30 671.87 Td (December) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 423.25 671.87 Td (September) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 481.75 671.87 Td (June) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 527.70 671.87 Td (March) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.00 647.87 Td (Statement of Operations Data:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 215.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 264.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 313.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 362.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 411.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 509.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 558.00 647.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 633.90 Td (Interest income) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 176.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 187.35 633.90 Td (156,734) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 225.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 236.35 633.90 Td (140,911) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 274.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 285.35 633.90 Td (131,540) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 323.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 334.35 633.90 Td (127,992) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 372.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 383.35 633.90 Td (129,527) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 421.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 432.35 633.90 Td (123,352) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 470.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 481.35 633.90 Td (121,226) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 519.00 633.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 530.35 633.90 Td (120,129) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 619.90 Td (Interest expense) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 619.90 Td (11,520) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 240.10 619.90 Td (10,140) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 292.85 619.90 Td (8,938) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 341.85 619.90 Td (8,688) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 390.85 619.90 Td (7,758) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 439.85 619.90 Td (7,383) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 488.85 619.90 Td (6,753) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 537.85 619.90 Td (6,734) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 605.90 Td (Net interest income) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 187.35 605.90 Td (145,214) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 236.35 605.90 Td (130,771) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 285.35 605.90 Td (122,602) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 334.35 605.90 Td (119,304) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 383.35 605.90 Td (121,769) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 432.35 605.90 Td (115,969) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 481.35 605.90 Td (114,473) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 530.35 605.90 Td (113,395) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 591.90 Td (Provision for credit losses) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 194.85 591.90 Td (2,622) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 243.85 591.90 Td (6,549) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 292.85 591.90 Td (2,829) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 341.85 591.90 Td (7,563) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 390.85 591.90 Td (6,758) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 439.85 591.90 Td (5,358) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 488.85 591.90 Td (4,296) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 537.85 591.90 Td (4,974) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 575.40 Td (Net interest income after provision) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 567.90 Td (for credit losses) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 187.35 567.90 Td (142,592) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 236.35 567.90 Td (124,222) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 285.35 567.90 Td (119,773) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 334.35 567.90 Td (111,741) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 383.35 567.90 Td (115,011) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 432.35 567.90 Td (110,611) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 481.35 567.90 Td (110,177) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 530.35 567.90 Td (108,421) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 553.90 Td (Non-interest income) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 553.90 Td (92,823) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 236.35 553.90 Td (108,387) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 289.10 553.90 Td (92,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 338.10 553.90 Td (81,693) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 387.10 553.90 Td (75,625) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 436.10 553.90 Td (82,251) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 485.10 553.90 Td (82,949) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 534.10 553.90 Td (81,268) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 539.90 Td (Non-interest expenses) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 187.35 539.90 Td (165,760) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 236.35 539.90 Td (170,385) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 285.35 539.90 Td (147,906) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 334.35 539.90 Td (135,800) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 383.35 539.90 Td (127,231) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 432.35 539.90 Td (134,266) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 481.35 539.90 Td (132,737) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 530.35 539.90 Td (139,920) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 525.90 Td (Income before income taxes) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 525.90 Td (69,655) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 240.10 525.90 Td (62,224) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 289.10 525.90 Td (63,867) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 338.10 525.90 Td (57,634) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 387.10 525.90 Td (63,405) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 436.10 525.90 Td (58,596) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 485.10 525.90 Td (60,389) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 534.10 525.90 Td (49,769) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 511.90 Td (Income tax expense) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 511.90 Td (22,464) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 240.10 511.90 Td (17,805) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 289.10 511.90 Td (20,455) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 338.10 511.90 Td (18,520) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 387.10 511.90 Td (19,798) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 436.10 511.90 Td (18,318) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 485.10 511.90 Td (19,437) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 534.10 511.90 Td (15,658) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 497.90 Td (Net income) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 176.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 497.90 Td (47,191) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 225.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 240.10 497.90 Td (44,419) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 274.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 289.10 497.90 Td (43,412) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 323.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 338.10 497.90 Td (39,114) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 372.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 387.10 497.90 Td (43,607) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 421.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 436.10 497.90 Td (40,278) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 470.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 485.10 497.90 Td (40,952) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 519.00 497.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 534.10 497.90 Td (34,111) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 485.90 Td (Dividends on preferred shares) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 194.85 485.90 Td (2,005) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 243.85 485.90 Td (2,004) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 292.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 341.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 390.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 439.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 488.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 537.85 485.90 Td (2,000) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 469.40 Td (Net income available to common) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 461.90 Td (stockholders) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 176.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 191.10 461.90 Td (45,186) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 225.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 240.10 461.90 Td (42,415) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 274.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 289.10 461.90 Td (41,412) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 323.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 338.10 461.90 Td (37,114) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 372.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 387.10 461.90 Td (41,607) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 421.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 436.10 461.90 Td (38,278) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 470.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 485.10 461.90 Td (38,952) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 519.00 461.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 534.10 461.90 Td (32,111) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 436.90 Td (Net interest margin) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 198.60 436.90 Td (3.50) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 211.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 247.60 436.90 Td (3.49) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 260.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 296.60 436.90 Td (3.60) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 309.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 345.60 436.90 Td (3.57) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 358.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 394.60 436.90 Td (3.64) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 407.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 443.60 436.90 Td (3.52) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 456.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 492.60 436.90 Td (3.63) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 505.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 541.60 436.90 Td (3.73) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 554.75 436.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 422.90 Td (Tax equivalent effect) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 198.60 422.90 Td (0.17) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 247.60 422.90 Td (0.19) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 296.60 422.90 Td (0.21) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 345.60 422.90 Td (0.22) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 394.60 422.90 Td (0.22) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 443.60 422.90 Td (0.21) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 492.60 422.90 Td (0.21) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 541.60 422.90 Td (0.20) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 410.40 Td (Net interest margin on a fully tax) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 402.90 Td (equivalent basis) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 198.60 402.90 Td (3.67) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 211.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 247.60 402.90 Td (3.68) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 260.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 296.60 402.90 Td (3.81) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 309.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 345.60 402.90 Td (3.79) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 358.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 394.60 402.90 Td (3.86) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 407.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 443.60 402.90 Td (3.73) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 456.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 492.60 402.90 Td (3.84) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 505.75 402.90 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 541.60 402.90 Td (3.93) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 554.75 402.90 Td (%) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.00 388.87 Td (Common Share Data:) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 215.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 264.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 313.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 362.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 411.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 460.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 509.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 558.00 388.90 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 374.90 Td (Basic earnings per common share) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 176.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 198.60 374.90 Td (0.54) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 225.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 247.60 374.90 Td (0.55) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 274.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 296.60 374.90 Td (0.56) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 323.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 345.60 374.90 Td (0.51) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 372.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 394.60 374.90 Td (0.57) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 421.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 443.60 374.90 Td (0.52) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 470.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 492.60 374.90 Td (0.52) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 519.00 374.90 Td ($) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 541.60 374.90 Td (0.43) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 360.90 Td (Diluted earnings per common share) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 198.60 360.90 Td (0.53) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 247.60 360.90 Td (0.54) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 296.60 360.90 Td (0.56) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 345.60 360.90 Td (0.50) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 394.60 360.90 Td (0.56) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 443.60 360.90 Td (0.51) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 492.60 360.90 Td (0.52) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 541.60 360.90 Td (0.43) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 342.40 Td (Weighted average common shares) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 334.90 Td (outstanding) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 178.00 334.90 Td (83,484,899) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 227.00 334.90 Td (77,506,885) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 276.00 334.90 Td (73,475,258) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 325.00 334.90 Td (73,330,731) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 377.75 334.90 Td (7,329,602) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 423.00 334.90 Td (74,297,281) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 472.00 334.90 Td (74,596,925) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 521.00 334.90 Td (74,567,104) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 322.40 Td (Diluted weighted average common) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.00 314.90 Td (shares outstanding) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 178.00 314.90 Td (84,674,181) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 227.00 314.90 Td (78,683,170) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 276.00 314.90 Td (74,180,374) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 325.00 314.90 Td (73,966,935) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 374.00 314.90 Td (73,953,165) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 423.00 314.90 Td (75,029,827) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 472.00 314.90 Td (75,296,029) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 521.00 314.90 Td (75,164,716) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 71 0 obj <> endobj 72 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (35) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 67.50 730.10 Td (Item 7. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 121.50 730.10 Td (Management) Tj ET Q q 0 0 0 rg BT 180.56 730.10 Td (s Discussion and ) Tj ET Q q 0 0 0 rg BT 252.54 730.10 Td (Analysis of Financial Condition and Results of Operations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td () Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.16 706.10 Td (following ) Tj ET Q q 0 0 0 rg BT 107.61 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 116.94 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 124.60 706.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 168.94 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.60 706.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 222.04 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.48 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 249.03 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 287.25 706.10 Td (position ) Tj ET Q q 0 0 0 rg BT 322.14 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.80 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 343.32 706.10 Td (esults ) Tj ET Q q 0 0 0 rg BT 368.76 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 379.20 706.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 424.64 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 442.31 706.10 Td (should ) Tj ET Q q 0 0 0 rg BT 471.64 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 483.74 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 487.26 706.10 Td (ead ) Tj ET Q q 0 0 0 rg BT 504.36 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 514.80 706.10 Td (conjunction ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 68.89 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.27 694.10 Td (information ) Tj ET Q q 0 0 0 rg BT 132.66 694.10 Td (set ) Tj ET Q q 0 0 0 rg BT 145.94 694.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 167.55 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 193.04 694.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 212.98 694.10 Td (1A) Tj ET Q q 0 0 0 rg BT 223.90 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.07 694.10 Td (Risks ) Tj ET Q q 0 0 0 rg BT 249.34 694.10 Td (Factors, ) Tj ET Q q 0 0 0 rg BT 285.12 694.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 305.05 694.10 Td (7A, ) Tj ET Q q 0 0 0 rg BT 320.82 694.10 Td (Quantitative ) Tj ET Q q 0 0 0 rg BT 372.98 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.14 694.10 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 437.30 694.10 Td (Disclosur) Tj ET Q q 0 0 0 rg BT 475.82 694.10 Td (es ) Tj ET Q q 0 0 0 rg BT 486.31 694.10 Td (about ) Tj ET Q q 0 0 0 rg BT 511.25 694.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 542.29 694.10 Td (Risk, ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.00 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 83.39 682.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 137.00 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 175.05 682.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 219.76 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.26 682.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 260.87 682.10 Td (ther) Tj ET Q q 0 0 0 rg BT 276.61 682.10 Td (eto ) Tj ET Q q 0 0 0 rg BT 291.33 682.10 Td (appearing ) Tj ET Q q 0 0 0 rg BT 334.93 682.10 Td (under ) Tj ET Q q 0 0 0 rg BT 360.76 682.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 381.03 682.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 388.53 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.81 682.10 Td (this ) Tj ET Q q 0 0 0 rg BT 415.76 682.10 Td (r) Tj ET Q q 0 0 0 rg BT 419.28 682.10 Td (eport.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (Overview) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.64 634.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 154.01 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.94 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 180.86 634.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 225.11 634.10 Td (depends ) Tj ET Q q 0 0 0 rg BT 260.48 634.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 300.29 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 312.88 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 328.81 634.10 Td (net ) Tj ET Q q 0 0 0 rg BT 343.63 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.66 634.10 Td (income ) Tj ET Q q 0 0 0 rg BT 407.69 634.10 Td (after ) Tj ET Q q 0 0 0 rg BT 428.60 634.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 468.97 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 483.23 634.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 508.59 634.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 537.58 634.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.98 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.01 622.10 Td (dif) Tj ET Q q 0 0 0 rg BT 84.94 622.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 117.17 622.10 Td (between ) Tj ET Q q 0 0 0 rg BT 153.29 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 185.54 622.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 215.00 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.81 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 260.06 622.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 292.85 622.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 319.00 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.25 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 368.49 622.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 388.52 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 401.34 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 433.58 622.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 466.38 622.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 506.41 622.10 Td (less ) Tj ET Q q 0 0 0 rg BT 524.22 622.10 Td (provision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.77 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 89.14 610.10 Td (losses.) Tj ET Q q 0 0 0 rg BT 120.35 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.51 610.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 178.90 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 193.17 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 218.54 610.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 245.04 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 254.32 610.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 298.03 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.64 610.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 345.45 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 355.84 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 371.78 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 391.61 610.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 429.21 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.26 610.10 Td (management) Tj ET Q q 0 0 0 rg BT 500.13 610.10 Td (s ) Tj ET Q q 0 0 0 rg BT 506.63 610.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 553.68 610.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 598.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 118.92 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.75 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 145.58 598.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 165.30 598.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 202.79 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 213.62 598.10 Td (well ) Tj ET Q q 0 0 0 rg BT 233.34 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 244.17 598.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 287.21 598.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 328.58 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.52 598.10 Td (market ) Tj ET Q q 0 0 0 rg BT 375.78 598.10 Td (conditions.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 574.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.18 574.10 Td (net ) Tj ET Q q 0 0 0 rg BT 117.53 574.10 Td (income ) Tj ET Q q 0 0 0 rg BT 149.09 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 157.89 574.10 Td (also ) Tj ET Q q 0 0 0 rg BT 176.13 574.10 Td (af) Tj ET Q q 0 0 0 rg BT 183.71 574.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 210.27 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 222.39 574.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 272.29 574.10 Td (income ) Tj ET Q q 0 0 0 rg BT 303.85 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.42 574.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 370.31 574.10 Td (expenses.During ) Tj ET Q q 0 0 0 rg BT 444.37 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.71 574.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 490.28 574.10 Td (under ) Tj ET Q q 0 0 0 rg BT 515.18 574.10 Td (report, ) Tj ET Q q 0 0 0 rg BT 543.68 574.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 80.98 562.10 Td (income ) Tj ET Q q 0 0 0 rg BT 112.45 562.10 Td (included ) Tj ET Q q 0 0 0 rg BT 148.93 562.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 182.62 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 204.10 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 219.48 562.10 Td (key ) Tj ET Q q 0 0 0 rg BT 235.96 562.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 250.21 562.10 Td (initiatives: ) Tj ET Q q 0 0 0 rg BT 294.47 562.10 Td (net ) Tj ET Q q 0 0 0 rg BT 308.73 562.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 330.76 562.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 370.56 562.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 404.54 562.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 444.35 562.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 478.61 562.10 Td (revenue, ) Tj ET Q q 0 0 0 rg BT 514.80 562.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 80.90 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 97.85 550.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 132.57 550.10 Td (management ) Tj ET Q q 0 0 0 rg BT 186.17 550.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 207.28 550.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 227.57 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.52 550.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 266.47 550.10 Td (management ) Tj ET Q q 0 0 0 rg BT 320.07 550.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 341.18 550.10 Td (card ) Tj ET Q q 0 0 0 rg BT 360.90 550.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 379.51 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 396.47 550.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 425.63 550.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 459.80 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 476.75 550.10 Td (international ) Tj ET Q q 0 0 0 rg BT 529.80 550.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 71.10 538.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 124.09 538.10 Td (income ) Tj ET Q q 0 0 0 rg BT 156.53 538.10 Td (also ) Tj ET Q q 0 0 0 rg BT 175.64 538.10 Td (included ) Tj ET Q q 0 0 0 rg BT 213.07 538.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 254.95 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.40 538.10 Td (other ) Tj ET Q q 0 0 0 rg BT 295.95 538.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 327.83 538.10 Td (service ) Tj ET Q q 0 0 0 rg BT 359.15 538.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 380.75 538.10 Td (brokerage ) Tj ET Q q 0 0 0 rg BT 423.73 538.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 445.33 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 465.55 538.10 Td (service ) Tj ET Q q 0 0 0 rg BT 496.87 538.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 518.47 538.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 554.23 538.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 69.68 526.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 109.86 526.10 Td (value ) Tj ET Q q 0 0 0 rg BT 133.93 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.67 526.10 Td (life ) Tj ET Q q 0 0 0 rg BT 160.41 526.10 Td (insurance, ) Tj ET Q q 0 0 0 rg BT 203.64 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 218.27 526.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 237.90 526.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 262.54 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 274.95 526.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 321.25 526.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 363.93 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 378.56 526.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 398.19 526.10 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 422.83 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 435.24 526.10 Td (disposal ) Tj ET Q q 0 0 0 rg BT 470.44 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.18 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 504.14 526.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 532.39 526.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 552.02 526.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 113.44 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.05 514.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 143.55 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.27 514.10 Td (other ) Tj ET Q q 0 0 0 rg BT 183.09 514.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 223.14 514.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 257.35 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.63 514.10 Td (During ) Tj ET Q q 0 0 0 rg BT 290.24 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.74 514.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 336.46 514.10 Td (under ) Tj ET Q q 0 0 0 rg BT 361.51 514.10 Td (report, ) Tj ET Q q 0 0 0 rg BT 390.16 514.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 440.21 514.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 478.59 514.10 Td (included ) Tj ET Q q 0 0 0 rg BT 515.30 514.10 Td (salaries ) 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 49.50 502.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 92.60 502.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 130.98 502.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 177.96 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 196.63 502.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 243.07 502.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 282.00 502.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 324.00 502.10 Td (services ) Tj ET Q q 0 0 0 rg BT 360.43 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.10 502.10 Td (telecommunication ) Tj ET Q q 0 0 0 rg BT 459.96 502.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 498.90 502.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 547.56 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 92.40 490.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 129.46 490.10 Td (professional ) Tj ET Q q 0 0 0 rg BT 180.69 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.48 490.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 219.27 490.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 256.33 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 279.24 490.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 325.47 490.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 378.37 490.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 415.43 490.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 444.99 490.10 Td (exit ) Tj ET Q q 0 0 0 rg BT 462.34 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.13 490.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 515.92 490.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 478.10 Td (ges, ) Tj ET Q q 0 0 0 rg BT 85.67 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 101.19 478.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 120.06 478.10 Td (\(gain\) ) Tj ET Q q 0 0 0 rg BT 147.25 478.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 194.42 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 207.73 478.10 Td (other ) Tj ET Q q 0 0 0 rg BT 231.59 478.10 Td (real ) Tj ET Q q 0 0 0 rg BT 249.88 478.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 275.96 478.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 305.93 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.67 478.10 Td (other ) Tj ET Q q 0 0 0 rg BT 347.53 478.10 Td (related ) Tj ET Q q 0 0 0 rg BT 378.04 478.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 416.06 478.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 466.57 478.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 485.98 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 499.29 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.03 478.10 Td (bearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 89.81 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.35 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 130.99 466.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 171.85 466.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 213.55 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.96 466.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 265.87 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 271.46 466.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 313.45 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 326.54 466.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 366.28 466.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 394.36 466.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 429.11 466.10 Td (net ) Tj ET Q q 0 0 0 rg BT 444.42 466.10 Td (income ) Tj ET Q q 0 0 0 rg BT 476.95 466.10 Td (available ) Tj ET Q q 0 0 0 rg BT 516.14 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 466.10 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (stockholders.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 101.72 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 132.94 430.10 Td (income ) Tj ET Q q 0 0 0 rg BT 164.16 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 172.62 430.10 Td (af) Tj ET Q q 0 0 0 rg BT 180.21 430.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 206.42 430.10 Td (by ) Tj ET Q q 0 0 0 rg BT 218.20 430.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 252.20 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 261.76 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.76 430.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 307.55 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.77 430.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 341.11 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.23 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 382.45 430.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 414.22 430.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 441.84 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 473.06 430.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 501.49 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 513.27 430.10 Td (those ) Tj ET Q q 0 0 0 rg BT 536.17 430.10 Td (assets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.66 418.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 97.59 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 114.97 418.10 Td (mix ) Tj ET Q q 0 0 0 rg BT 133.46 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.73 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 177.11 418.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 210.03 418.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 250.19 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.57 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 299.94 418.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 320.10 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 333.04 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 365.41 418.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 398.33 418.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 440.99 418.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 493.91 418.10 Td (income ) Tj ET Q q 0 0 0 rg BT 526.29 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.67 418.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.22 406.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 119.61 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 134.11 406.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 173.05 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 185.33 406.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 215.95 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.57 406.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 263.58 406.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 294.19 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.92 406.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 350.97 406.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 385.48 406.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 429.42 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.15 406.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 476.77 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 486.84 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.34 406.10 Td (number ) Tj ET Q q 0 0 0 rg BT 534.18 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 544.80 406.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.34 394.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 97.63 394.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 135.02 394.10 Td (through ) Tj ET Q q 0 0 0 rg BT 168.53 394.10 Td (both ) Tj ET Q q 0 0 0 rg BT 188.72 394.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 238.89 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.74 394.10 Td (core ) Tj ET Q q 0 0 0 rg BT 275.35 394.10 Td (business ) Tj ET Q q 0 0 0 rg BT 311.64 394.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 344.88 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.28 394.10 Td (Growth ) Tj ET Q q 0 0 0 rg BT 380.24 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 390.42 394.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 434.48 394.10 Td (af) Tj ET Q q 0 0 0 rg BT 442.06 394.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 463.35 394.10 Td (other ) Tj ET Q q 0 0 0 rg BT 486.30 394.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 524.80 394.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.72 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 66.06 382.10 Td (result ) Tj ET Q q 0 0 0 rg BT 90.17 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.39 382.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 142.28 382.10 Td (employee, ) Tj ET Q q 0 0 0 rg BT 185.54 382.10 Td (facility ) Tj ET Q q 0 0 0 rg BT 215.76 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 232.09 382.10 Td (promotional ) Tj ET Q q 0 0 0 rg BT 282.87 382.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 325.31 382.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 361.91 382.10 Td (Growth ) Tj ET Q q 0 0 0 rg BT 394.35 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 404.03 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.14 382.10 Td (number ) Tj ET Q q 0 0 0 rg BT 450.58 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.80 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 479.92 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.25 382.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 527.03 382.10 Td (accounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (af) Tj ET Q q 0 0 0 rg BT 57.09 370.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 81.80 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 108.19 370.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 145.96 370.10 Td (including ) Tj ET Q q 0 0 0 rg BT 189.57 370.10 Td (service ) Tj ET Q q 0 0 0 rg BT 223.72 370.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 245.65 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 259.82 370.10 Td (well ) Tj ET Q q 0 0 0 rg BT 282.88 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 297.04 370.10 Td (other ) Tj ET Q q 0 0 0 rg BT 323.43 370.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 365.36 370.10 Td (such ) Tj ET Q q 0 0 0 rg BT 389.53 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 403.70 370.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 447.30 370.10 Td (services, ) Tj ET Q q 0 0 0 rg BT 487.84 370.10 Td (supplies, ) Tj ET Q q 0 0 0 rg BT 528.96 370.10 Td (postage, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (telecommunications ) Tj ET Q q 0 0 0 rg BT 132.50 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.41 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 172.43 358.10 Td (miscellaneous ) Tj ET Q q 0 0 0 rg BT 231.55 358.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 272.62 358.10 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 340.63 358.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 362.54 358.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 388.33 358.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 418.02 358.10 Td (salaries ) Tj ET Q q 0 0 0 rg BT 450.47 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.38 358.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 504.01 358.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 525.91 358.10 Td (expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 89.49 346.10 Td (real ) Tj ET Q q 0 0 0 rg BT 106.97 346.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 132.23 346.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 161.39 346.10 Td (expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 322.10 Td (On ) Tj ET Q q 0 0 0 rg BT 99.78 322.10 Td (August ) Tj ET Q q 0 0 0 rg BT 131.30 322.10 Td (18, ) Tj ET Q q 0 0 0 rg BT 146.44 322.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 171.58 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.43 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 227.96 322.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 272.24 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.91 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 292.32 322.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 315.50 322.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 347.02 322.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 377.71 322.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 395.61 322.10 Td (\("T) Tj ET Q q 0 0 0 rg BT 408.43 322.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 431.62 322.10 Td (Capital"\) ) Tj ET Q q 0 0 0 rg BT 470.55 322.10 Td (mer) Tj ET Q q 0 0 0 rg BT 485.91 322.10 Td (ger) Tj ET Q q 0 0 0 rg BT 498.13 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 503.27 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 505.90 322.10 Td (Consideration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 68.63 310.10 Td (was ) Tj ET Q q 0 0 0 rg BT 86.09 310.10 Td ($648.8 ) Tj ET Q q 0 0 0 rg BT 115.50 310.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 148.81 310.10 Td (including ) Tj ET Q q 0 0 0 rg BT 188.49 310.10 Td ($519.3 ) Tj ET Q q 0 0 0 rg BT 217.90 310.10 Td (million ) Tj ET Q q 0 0 0 rg BT 248.71 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.40 310.10 Td (common ) Tj ET Q q 0 0 0 rg BT 295.30 310.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 318.32 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.67 310.10 Td ($129.5 ) Tj ET Q q 0 0 0 rg BT 364.08 310.10 Td (million ) Tj ET Q q 0 0 0 rg BT 394.89 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 404.58 310.10 Td (cash. ) Tj ET Q q 0 0 0 rg BT 426.76 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.53 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 445.99 310.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 486.79 310.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 513.70 310.10 Td (19.6 ) Tj ET Q q 0 0 0 rg BT 533.11 310.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 76.62 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 87.08 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 124.21 298.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 147.45 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 157.91 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 164.47 298.10 Td (result ) Tj ET Q q 0 0 0 rg BT 188.82 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.28 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.63 298.10 Td (mer) Tj ET Q q 0 0 0 rg BT 229.00 298.10 Td (ger) Tj ET Q q 0 0 0 rg BT 241.21 298.10 Td (. ) Tj ET Q q 0 0 0 rg BT 245.84 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 247.97 298.10 Td (In ) Tj ET Q q 0 0 0 rg BT 258.43 298.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 295.84 298.10 Td (each ) Tj ET Q q 0 0 0 rg BT 316.28 298.10 Td (share ) Tj ET Q q 0 0 0 rg BT 339.51 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.82 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 355.23 298.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 377.91 298.10 Td (Capital) Tj ET Q q 0 0 0 rg BT 409.57 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 415.59 298.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 455.48 298.10 Td (Non-Cumulative ) Tj ET Q q 0 0 0 rg BT 524.82 298.10 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 78.92 286.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 106.59 286.10 Td (A) Tj ET Q q 0 0 0 rg BT 113.26 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 117.40 286.10 Td (was ) Tj ET Q q 0 0 0 rg BT 137.09 286.10 Td (converted ) Tj ET Q q 0 0 0 rg BT 180.66 286.10 Td (into ) Tj ET Q q 0 0 0 rg BT 200.35 286.10 Td (one ) Tj ET Q q 0 0 0 rg BT 218.93 286.10 Td (share ) Tj ET Q q 0 0 0 rg BT 244.17 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.65 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.00 286.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 321.73 286.10 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 363.63 286.10 Td (Non-Cumulative ) Tj ET Q q 0 0 0 rg BT 434.99 286.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 476.32 286.10 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 505.74 286.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 533.41 286.10 Td (A) Tj ET Q q 0 0 0 rg BT 540.08 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.22 286.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 102.58 274.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 139.54 274.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 166.78 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 169.13 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 187.20 274.10 Td (results ) Tj ET Q q 0 0 0 rg BT 215.84 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.70 274.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 270.88 274.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 307.83 274.10 Td (from ) Tj ET Q q 0 0 0 rg BT 329.62 274.10 Td (T) Tj ET Q q 0 0 0 rg BT 335.03 274.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 358.10 274.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 389.51 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.25 274.10 Td (included ) Tj ET Q q 0 0 0 rg BT 441.21 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 451.52 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.26 274.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 513.37 274.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 535.90 274.10 Td (results ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.26 262.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 104.34 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 118.43 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.08 262.10 Td (136 ) Tj ET Q q 0 0 0 rg BT 150.51 262.10 Td (days ) Tj ET Q q 0 0 0 rg BT 171.27 262.10 Td (from ) Tj ET Q q 0 0 0 rg BT 193.14 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.78 262.10 Td (date ) Tj ET Q q 0 0 0 rg BT 226.87 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.63 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.27 262.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 298.58 262.10 Td (through ) Tj ET Q q 0 0 0 rg BT 332.12 262.10 Td (December ) Tj ET Q q 0 0 0 rg BT 375.63 262.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 390.56 262.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 412.99 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.86 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 440.07 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.71 262.10 Td (Company) Tj ET Q q 0 0 0 rg BT 496.38 262.10 Td (s ) Tj ET Q q 0 0 0 rg BT 502.70 262.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 525.13 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.00 262.10 Td (2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (results ) Tj ET Q q 0 0 0 rg BT 78.14 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.00 250.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 133.19 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 147.38 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.13 250.10 Td (full ) Tj ET Q q 0 0 0 rg BT 178.55 250.10 Td (year) Tj ET Q q 0 0 0 rg BT 195.20 250.10 Td (. ) Tj ET Q q 0 0 0 rg BT 200.23 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 202.77 250.10 Td (See ) Tj ET Q q 0 0 0 rg BT 219.74 250.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 241.71 250.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 249.24 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.10 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.85 250.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 298.49 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.80 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 324.66 250.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 356.63 250.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 409.70 250.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 447.21 250.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 491.96 250.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 533.36 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 543.67 250.10 Td (Item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 57.00 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 67.83 238.10 Td (this ) Tj ET Q q 0 0 0 rg BT 84.78 238.10 Td (report ) Tj ET Q q 0 0 0 rg BT 111.16 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 125.32 238.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 167.81 238.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 214.10 Td (On ) Tj ET Q q 0 0 0 rg BT 100.16 214.10 Td (December ) Tj ET Q q 0 0 0 rg BT 143.68 214.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 158.62 214.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 183.55 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.21 214.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 239.53 214.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 283.62 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.27 214.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 344.59 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.35 214.10 Td (MSA) Tj ET Q q 0 0 0 rg BT 376.48 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 378.91 214.10 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 420.52 214.10 Td (LLC, ) Tj ET Q q 0 0 0 rg BT 444.34 214.10 Td (\("MSA"\) ) Tj ET Q q 0 0 0 rg BT 483.28 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.93 214.10 Td (parent ) Tj ET Q q 0 0 0 rg BT 525.35 214.10 Td (company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.51 202.10 Td (MainStreet ) Tj ET Q q 0 0 0 rg BT 109.63 202.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 156.93 202.10 Td (Advisors, ) Tj ET Q q 0 0 0 rg BT 199.23 202.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 221.80 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.92 202.10 Td (Cambium ) Tj ET Q q 0 0 0 rg BT 282.23 202.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 308.14 202.10 Td (Management, ) Tj ET Q q 0 0 0 rg BT 366.52 202.10 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 391.59 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.01 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 414.24 202.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 456.81 202.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 495.47 202.10 Td ($13.5 ) Tj ET Q q 0 0 0 rg BT 521.65 202.10 Td (million ) Tj ET Q q 0 0 0 rg BT 554.23 202.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 87.58 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.55 190.10 Td ($8.8 ) Tj ET Q q 0 0 0 rg BT 124.58 190.10 Td (million ) Tj ET Q q 0 0 0 rg BT 156.00 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 166.31 190.10 Td (other ) Tj ET Q q 0 0 0 rg BT 189.38 190.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 235.79 190.10 Td (as ) Tj ET Q q 0 0 0 rg BT 246.65 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.62 190.10 Td (result ) Tj ET Q q 0 0 0 rg BT 278.36 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.22 190.10 Td (this ) Tj ET Q q 0 0 0 rg BT 306.20 190.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 355.11 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 357.64 190.10 Td (See ) Tj ET Q q 0 0 0 rg BT 374.60 190.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 396.57 190.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 404.10 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.96 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.70 190.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 453.34 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.64 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.50 190.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 511.46 190.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.98 178.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 131.69 178.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 173.06 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 183.34 178.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 204.17 178.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 211.67 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 222.50 178.10 Td (this ) Tj ET Q q 0 0 0 rg BT 239.45 178.10 Td (report ) Tj ET Q q 0 0 0 rg BT 265.82 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 279.98 178.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 322.47 178.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 154.10 Td (On ) Tj ET Q q 0 0 0 rg BT 100.09 154.10 Td (August ) Tj ET Q q 0 0 0 rg BT 132.02 154.10 Td (24, ) Tj ET Q q 0 0 0 rg BT 147.55 154.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 173.09 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.35 154.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 230.27 154.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 274.96 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.54 154.10 Td (American ) Tj ET Q q 0 0 0 rg BT 332.00 154.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 374.46 154.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 413.88 154.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 432.18 154.10 Td (\("American ) Tj ET Q q 0 0 0 rg BT 482.05 154.10 Td (Chartered"\) ) Tj ET Q q 0 0 0 rg BT 531.93 154.10 Td (mer) Tj ET Q q 0 0 0 rg BT 547.29 154.10 Td (ger) Tj ET Q q 0 0 0 rg BT 559.51 154.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.51 154.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 108.50 142.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 128.61 142.10 Td (was ) Tj ET Q q 0 0 0 rg BT 147.06 142.10 Td ($487.4 ) Tj ET Q q 0 0 0 rg BT 177.45 142.10 Td (million, ) Tj ET Q q 0 0 0 rg BT 211.74 142.10 Td (including ) Tj ET Q q 0 0 0 rg BT 252.41 142.10 Td ($382.8 ) Tj ET Q q 0 0 0 rg BT 282.81 142.10 Td (million ) Tj ET Q q 0 0 0 rg BT 314.59 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 325.27 142.10 Td (common ) Tj ET Q q 0 0 0 rg BT 363.16 142.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 387.16 142.10 Td (\(9.7 ) Tj ET Q q 0 0 0 rg BT 405.89 142.10 Td (million ) Tj ET Q q 0 0 0 rg BT 437.67 142.10 Td (shares\), ) Tj ET Q q 0 0 0 rg BT 471.39 142.10 Td ($102.3 ) Tj ET Q q 0 0 0 rg BT 501.79 142.10 Td (million ) Tj ET Q q 0 0 0 rg BT 533.57 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 544.25 142.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.91 130.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 85.38 130.10 Td (million ) Tj ET Q q 0 0 0 rg BT 116.25 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 126.00 130.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 164.60 130.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 187.68 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.09 130.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 253.27 130.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 283.56 130.10 Td (assumed. ) Tj ET Q q 0 0 0 rg BT 322.47 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.30 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 341.82 130.10 Td (results ) Tj ET Q q 0 0 0 rg BT 369.90 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 380.20 130.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 423.83 130.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 460.23 130.10 Td (from ) Tj ET Q q 0 0 0 rg BT 481.20 130.10 Td (American ) Tj ET Q q 0 0 0 rg BT 522.60 130.10 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.11 118.10 Td (included ) Tj ET Q q 0 0 0 rg BT 100.96 118.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.14 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.76 118.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 172.75 118.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 195.16 118.10 Td (results ) Tj ET Q q 0 0 0 rg BT 223.67 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.41 118.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 278.47 118.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.54 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.17 118.10 Td (129 ) Tj ET Q q 0 0 0 rg BT 324.57 118.10 Td (days ) Tj ET Q q 0 0 0 rg BT 345.31 118.10 Td (from ) Tj ET Q q 0 0 0 rg BT 367.16 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.78 118.10 Td (date ) Tj ET Q q 0 0 0 rg BT 400.84 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.58 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.20 118.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 472.49 118.10 Td (through ) Tj ET Q q 0 0 0 rg BT 506.01 118.10 Td (December ) Tj ET Q q 0 0 0 rg BT 549.50 118.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 74.86 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.72 106.10 Td (See ) Tj ET Q q 0 0 0 rg BT 95.02 106.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 117.32 106.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 125.18 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.37 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.45 106.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 175.42 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 186.05 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 202.24 106.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 234.54 106.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 287.94 106.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 325.78 106.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 370.85 106.10 Td (contained ) Tj ET Q q 0 0 0 rg BT 412.59 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.22 106.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 444.41 106.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 452.27 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.46 106.10 Td (this ) Tj ET Q q 0 0 0 rg BT 480.77 106.10 Td (report ) Tj ET Q q 0 0 0 rg BT 507.51 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 522.03 106.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (information. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 70.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 70.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.56 70.10 Td (had ) Tj ET Q q 0 0 0 rg BT 116.97 70.10 Td (net ) Tj ET Q q 0 0 0 rg BT 131.17 70.10 Td (income ) Tj ET Q q 0 0 0 rg BT 162.58 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 179.00 70.10 Td (net ) Tj ET Q q 0 0 0 rg BT 193.19 70.10 Td (income ) Tj ET Q q 0 0 0 rg BT 224.61 70.10 Td (available ) Tj ET Q q 0 0 0 rg BT 262.67 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 272.43 70.10 Td (common ) Tj ET Q q 0 0 0 rg BT 309.41 70.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 361.93 70.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.24 70.10 Td ($174.1 ) Tj ET Q q 0 0 0 rg BT 401.72 70.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.61 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.59 70.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.01 70.10 Td ($166.1 ) Tj ET Q q 0 0 0 rg BT 478.49 70.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.38 70.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.86 70.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.52 70.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 62.86 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.79 58.10 Td (year ) Tj ET Q q 0 0 0 rg BT 95.70 58.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.28 58.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 179.07 58.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.07 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 200.77 58.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 241.90 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.38 58.10 Td (net ) Tj ET Q q 0 0 0 rg BT 265.30 58.10 Td (income ) Tj ET Q q 0 0 0 rg BT 296.44 58.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.58 58.10 Td (net ) Tj ET Q q 0 0 0 rg BT 326.50 58.10 Td (income ) Tj ET Q q 0 0 0 rg BT 357.64 58.10 Td (available ) Tj ET Q q 0 0 0 rg BT 395.43 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.92 58.10 Td (common ) Tj ET Q q 0 0 0 rg BT 441.61 58.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 493.87 58.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.90 58.10 Td ($158.9 ) Tj ET Q q 0 0 0 rg BT 533.10 58.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 58.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.10 46.10 Td ($150.9 ) Tj ET Q q 0 0 0 rg BT 97.76 46.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.66 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 132.32 46.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 179.98 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 185.64 46.10 Td (for ) Tj ET Q q 0 0 0 rg BT 200.47 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.85 46.10 Td (year ) Tj ET Q q 0 0 0 rg BT 236.22 46.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.26 46.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 322.50 46.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.50 46.10 Td ( ) Tj ET Q q 0 0 0 rg BT 345.67 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.27 46.10 Td (net ) Tj ET Q q 0 0 0 rg BT 378.65 46.10 Td (income ) Tj ET Q q 0 0 0 rg BT 411.25 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 428.85 46.10 Td (net ) Tj ET Q q 0 0 0 rg BT 444.23 46.10 Td (income ) Tj ET Q q 0 0 0 rg BT 476.82 46.10 Td (available ) Tj ET Q q 0 0 0 rg BT 516.08 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 46.10 Td (common ) Tj ET Q endstream endobj 73 0 obj <> endobj 74 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 102.63 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.55 742.10 Td ($86.1 ) Tj ET Q q 0 0 0 rg BT 138.63 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.52 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.11 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.13 742.10 Td ($82.1 ) Tj ET Q q 0 0 0 rg BT 212.21 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.11 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 246.19 742.10 Td (respectively ) Tj ET Q q 0 0 0 rg BT 297.08 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.13 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 345.92 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.38 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 431.05 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.05 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 456.14 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.72 742.10 Td (Fully ) Tj ET Q q 0 0 0 rg BT 482.42 742.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 512.78 742.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 549.24 742.10 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.37 730.10 Td (share ) Tj ET Q q 0 0 0 rg BT 111.33 730.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 133.63 730.10 Td ($2.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.13 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.00 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 173.53 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.62 730.10 Td (year ) Tj ET Q q 0 0 0 rg BT 208.70 730.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.44 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 294.40 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.40 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 317.27 730.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 359.56 730.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.21 730.10 Td ($2.02) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.71 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.58 730.10 Td (per ) Tj ET Q q 0 0 0 rg BT 411.22 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 449.08 730.10 Td (share ) Tj ET Q q 0 0 0 rg BT 473.05 730.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.70 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.70 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.57 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.88 730.10 Td ($1.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.38 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 549.25 730.10 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.00 718.10 Td (share ) Tj ET Q q 0 0 0 rg BT 110.59 718.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.87 718.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 140.87 718.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.86 694.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 139.42 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.01 694.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 186.70 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 208.95 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.98 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 244.00 694.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 270.69 694.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 329.58 694.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.58 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 352.39 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.98 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.01 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 398.03 694.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.72 694.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 483.62 694.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.62 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.43 694.10 Td (was ) Tj ET Q q 0 0 0 rg BT 524.79 694.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.69 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 77.22 682.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 105.53 682.10 Td (net ) Tj ET Q q 0 0 0 rg BT 120.50 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 152.68 682.10 Td (income ) Tj ET Q q 0 0 0 rg BT 184.87 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 202.06 682.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 252.58 682.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 287.27 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 290.02 682.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 307.21 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 339.40 682.10 Td (income ) Tj ET Q q 0 0 0 rg BT 371.59 682.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 412.10 682.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.85 682.10 Td ($52.3 ) Tj ET Q q 0 0 0 rg BT 450.11 682.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.00 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 481.75 682.10 Td (due ) Tj ET Q q 0 0 0 rg BT 498.94 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 509.48 682.10 Td (or) Tj ET Q q 0 0 0 rg BT 517.63 682.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 542.03 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.79 682.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 80.50 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 91.50 670.10 Td (well ) Tj ET Q q 0 0 0 rg BT 111.39 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 122.40 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.29 670.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 167.17 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.17 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.47 670.10 Td (American ) Tj ET Q q 0 0 0 rg BT 234.57 670.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 276.66 670.10 Td (mer) Tj ET Q q 0 0 0 rg BT 292.03 670.10 Td (ger) Tj ET Q q 0 0 0 rg BT 304.25 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 309.42 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 312.09 670.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 364.75 670.10 Td (income ) Tj ET Q q 0 0 0 rg BT 396.86 670.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 437.28 670.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.95 670.10 Td ($52.8 ) Tj ET Q q 0 0 0 rg BT 475.13 670.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.02 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 506.69 670.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 546.57 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 557.58 670.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (result ) Tj ET Q q 0 0 0 rg BT 73.78 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.17 658.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.45 658.10 Td ($31.0 ) Tj ET Q q 0 0 0 rg BT 123.02 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 151.91 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.97 658.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 188.79 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 198.63 658.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 238.46 658.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 272.73 658.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 306.44 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.94 658.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.22 658.10 Td ($9.3 ) Tj ET Q q 0 0 0 rg BT 356.79 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.68 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 387.74 658.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 422.56 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 432.40 658.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 452.24 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.74 658.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 490.24 658.10 Td (management ) Tj ET Q q 0 0 0 rg BT 543.40 658.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 564.50 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (These ) Tj ET Q q 0 0 0 rg BT 75.40 646.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 114.06 646.10 Td (were ) Tj ET Q q 0 0 0 rg BT 135.51 646.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 160.85 646.10 Td (of) Tj ET Q q 0 0 0 rg BT 169.00 646.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 185.46 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 197.48 646.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.71 646.10 Td ($85.7 ) Tj ET Q q 0 0 0 rg BT 236.23 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.13 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 267.14 646.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 301.92 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.71 646.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 361.50 646.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 395.72 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 406.07 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 412.53 646.10 Td (result ) Tj ET Q q 0 0 0 rg BT 436.77 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.11 646.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 474.68 646.10 Td (salaries ) Tj ET Q q 0 0 0 rg BT 506.69 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.14 646.10 Td (employee ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (benefits, ) Tj ET Q q 0 0 0 rg BT 86.88 634.10 Td (occupancy ) Tj ET Q q 0 0 0 rg BT 132.86 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.53 634.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 198.47 634.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 239.46 634.10 Td (services ) Tj ET Q q 0 0 0 rg BT 274.90 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.56 634.10 Td (telecommunication, ) Tj ET Q q 0 0 0 rg BT 374.93 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.60 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 416.37 634.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 457.36 634.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 496.69 634.10 Td (impacted ) Tj ET Q q 0 0 0 rg BT 536.57 634.10 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 49.50 622.10 Td (American ) Tj ET Q q 0 0 0 rg BT 91.40 622.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 133.29 622.10 Td (mer) Tj ET Q q 0 0 0 rg BT 148.66 622.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 163.90 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.81 622.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 227.16 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 237.97 622.10 Td (MSA) Tj ET Q q 0 0 0 rg BT 259.09 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.56 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.36 622.10 Td (well ) Tj ET Q q 0 0 0 rg BT 292.05 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 302.85 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 309.77 622.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 329.74 622.10 Td (million ) Tj ET Q q 0 0 0 rg BT 361.10 622.10 Td (charitable ) Tj ET Q q 0 0 0 rg BT 402.99 622.10 Td (contribution. ) Tj ET Q q 0 0 0 rg BT 456.85 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.32 622.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 511.78 622.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 546.46 622.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (also ) Tj ET Q q 0 0 0 rg BT 68.21 610.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 96.36 610.10 Td (due ) Tj ET Q q 0 0 0 rg BT 113.40 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.78 610.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.60 610.10 Td ($18.2 ) Tj ET Q q 0 0 0 rg BT 163.70 610.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 192.60 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 195.20 610.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 230.55 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 240.94 610.10 Td (mer) Tj ET Q q 0 0 0 rg BT 256.30 610.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 271.67 610.10 Td (related ) Tj ET Q q 0 0 0 rg BT 301.48 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 318.52 610.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 373.89 610.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 412.60 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 423.53 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 430.57 610.10 Td (result ) Tj ET Q q 0 0 0 rg BT 455.39 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.32 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.57 610.10 Td (American ) Tj ET Q q 0 0 0 rg BT 522.59 610.10 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 598.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 79.46 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 95.73 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.78 598.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 153.82 598.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 209.52 598.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 243.55 598.10 Td (related ) Tj ET Q q 0 0 0 rg BT 272.58 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.19 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 297.35 598.10 Td (December ) Tj ET Q q 0 0 0 rg BT 340.26 598.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 362.09 598.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 407.80 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 417.96 598.10 Td (Celtic. ) Tj ET Q q 0 0 0 rg BT 446.17 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.00 598.10 Td (See ) Tj ET Q q 0 0 0 rg BT 464.27 598.10 Td ("Non-interest ) Tj ET Q q 0 0 0 rg BT 520.16 598.10 Td (Expenses" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (section ) Tj ET Q q 0 0 0 rg BT 81.21 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 96.25 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 104.07 586.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 139.10 586.10 Td (schedule ) Tj ET Q q 0 0 0 rg BT 177.47 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.18 586.10 Td (mer) Tj ET Q q 0 0 0 rg BT 204.54 586.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 220.69 586.10 Td (related ) Tj ET Q q 0 0 0 rg BT 251.28 586.10 Td (expenses. ) Tj ET Q q 0 0 0 rg BT 293.26 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 296.64 586.10 Td (Given ) Tj ET Q q 0 0 0 rg BT 324.46 586.10 Td (Celtic's ) Tj ET Q q 0 0 0 rg BT 357.42 586.10 Td (stronger ) Tj ET Q q 0 0 0 rg BT 393.56 586.10 Td (than ) Tj ET Q q 0 0 0 rg BT 414.16 586.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 453.08 586.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 476.44 586.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 511.48 586.10 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 96.77 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.38 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.43 574.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 171.64 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 186.14 574.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 226.72 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.77 574.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 258.48 574.10 Td (value ) Tj ET Q q 0 0 0 rg BT 282.97 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.13 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.18 574.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 343.67 574.10 Td (based ) Tj ET Q q 0 0 0 rg BT 369.27 574.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 414.31 574.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 471.01 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 483.85 574.10 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 504.18 574.10 Td (million ) Tj ET Q q 0 0 0 rg BT 535.90 574.10 Td (during ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.86 538.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 139.42 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.01 538.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 186.70 538.10 Td (from ) Tj ET Q q 0 0 0 rg BT 208.95 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.98 538.10 Td (year ) Tj ET Q q 0 0 0 rg BT 244.00 538.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 270.69 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 329.58 538.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 352.39 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 362.98 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.01 538.10 Td (year ) Tj ET Q q 0 0 0 rg BT 398.03 538.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 424.72 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 483.62 538.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 506.43 538.10 Td (was ) Tj ET Q q 0 0 0 rg BT 524.79 538.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.68 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 77.20 526.10 Td (full ) Tj ET Q q 0 0 0 rg BT 93.83 526.10 Td (year ) Tj ET Q q 0 0 0 rg BT 113.78 526.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 143.73 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.80 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 169.56 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 174.97 526.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 198.26 526.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 229.89 526.10 Td (mer) Tj ET Q q 0 0 0 rg BT 245.25 526.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 260.76 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.28 526.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 294.02 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.20 526.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 336.71 526.10 Td (mer) Tj ET Q q 0 0 0 rg BT 352.08 526.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 367.59 526.10 Td (related ) Tj ET Q q 0 0 0 rg BT 397.53 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 414.71 526.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 470.23 526.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 509.07 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 519.59 526.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 544.83 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.57 526.10 Td (Net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 80.81 514.10 Td (income ) Tj ET Q q 0 0 0 rg BT 112.13 514.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 151.77 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 163.65 514.10 Td ($1) Tj ET Q q 0 0 0 rg BT 173.28 514.10 Td (14.8 ) Tj ET Q q 0 0 0 rg BT 192.66 514.10 Td (million ) Tj ET Q q 0 0 0 rg BT 223.43 514.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 262.52 514.10 Td (due ) Tj ET Q q 0 0 0 rg BT 278.84 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 288.50 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 299.82 514.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 334.46 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.12 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 375.43 514.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 407.30 514.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 432.51 514.10 Td (\(loans ) Tj ET Q q 0 0 0 rg BT 458.83 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.15 514.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 520.91 514.10 Td (securities\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 59.40 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 65.41 502.10 Td (result ) Tj ET Q q 0 0 0 rg BT 89.20 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.10 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.78 502.10 Td (T) Tj ET Q q 0 0 0 rg BT 118.19 502.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 140.31 502.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 170.76 502.10 Td (mer) Tj ET Q q 0 0 0 rg BT 186.13 502.10 Td (ger) Tj ET Q q 0 0 0 rg BT 198.35 502.10 Td (. ) Tj ET Q q 0 0 0 rg BT 202.42 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.99 502.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 244.44 502.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 278.23 502.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 311.45 502.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 350.77 502.10 Td (by ) Tj ET Q q 0 0 0 rg BT 362.35 502.10 Td ($71.3 ) Tj ET Q q 0 0 0 rg BT 386.42 502.10 Td (million ) Tj ET Q q 0 0 0 rg BT 416.88 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 432.89 502.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 471.68 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.03 502.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 520.36 502.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 85.51 490.10 Td (through ) Tj ET Q q 0 0 0 rg BT 118.20 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.88 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 137.29 490.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 159.43 490.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 189.89 490.10 Td (mer) Tj ET Q q 0 0 0 rg BT 205.26 490.10 Td (ger) Tj ET Q q 0 0 0 rg BT 217.47 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 221.56 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.03 490.10 Td (These ) Tj ET Q q 0 0 0 rg BT 248.49 490.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 286.72 490.10 Td (were ) Tj ET Q q 0 0 0 rg BT 307.73 490.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 332.64 490.10 Td (of) Tj ET Q q 0 0 0 rg BT 340.79 490.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 356.81 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 368.39 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.19 490.10 Td ($97.4 ) Tj ET Q q 0 0 0 rg BT 406.27 490.10 Td (million ) Tj ET Q q 0 0 0 rg BT 436.75 490.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 471.09 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.45 490.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 529.80 490.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 89.21 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 100.04 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.98 478.10 Td (result ) Tj ET Q q 0 0 0 rg BT 131.70 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.53 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.06 478.10 Td (T) Tj ET Q q 0 0 0 rg BT 162.47 478.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 185.52 478.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 216.90 478.10 Td (mer) Tj ET Q q 0 0 0 rg BT 232.27 478.10 Td (ger) Tj ET Q q 0 0 0 rg BT 244.49 478.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 84.21 454.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 135.60 454.10 Td (Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.95 430.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 157.39 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 195.27 430.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 240.38 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 255.48 430.10 Td (prepared ) Tj ET Q q 0 0 0 rg BT 293.36 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.03 430.10 Td (conformity ) Tj ET Q q 0 0 0 rg BT 351.36 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 372.04 430.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 418.81 430.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 461.14 430.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 501.24 430.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 539.11 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 430.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (United ) Tj ET Q q 0 0 0 rg BT 80.47 418.10 Td (States ) Tj ET Q q 0 0 0 rg BT 108.10 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.36 418.10 Td (America ) Tj ET Q q 0 0 0 rg BT 157.53 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 175.72 418.10 Td (follow ) Tj ET Q q 0 0 0 rg BT 205.58 418.10 Td (general ) Tj ET Q q 0 0 0 rg BT 238.75 418.10 Td (practices ) Tj ET Q q 0 0 0 rg BT 278.04 418.10 Td (within ) Tj ET Q q 0 0 0 rg BT 307.34 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.31 418.10 Td (industries ) Tj ET Q q 0 0 0 rg BT 365.95 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 377.48 418.10 Td (which ) Tj ET Q q 0 0 0 rg BT 405.67 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 421.08 418.10 Td (operate. ) Tj ET Q q 0 0 0 rg BT 458.98 418.10 Td (This ) Tj ET Q q 0 0 0 rg BT 480.51 418.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 529.79 418.10 Td (requires ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (management ) Tj ET Q q 0 0 0 rg BT 104.06 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 115.32 406.10 Td (make ) Tj ET Q q 0 0 0 rg BT 140.45 406.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 183.64 406.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 239.06 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 256.97 406.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 302.12 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 320.59 406.10 Td (af) Tj ET Q q 0 0 0 rg BT 328.17 406.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 346.63 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.33 406.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 399.69 406.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 436.48 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.73 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.43 406.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 501.88 406.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 547.57 406.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 109.32 394.10 Td (notes. ) Tj ET Q q 0 0 0 rg BT 136.83 394.10 Td (These ) Tj ET Q q 0 0 0 rg BT 162.22 394.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 203.45 394.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 256.91 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.86 394.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 316.04 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 329.76 394.10 Td (based ) Tj ET Q q 0 0 0 rg BT 354.04 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 365.55 394.10 Td (information ) Tj ET Q q 0 0 0 rg BT 414.28 394.10 Td (available ) Tj ET Q q 0 0 0 rg BT 451.88 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 461.72 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.56 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.29 394.10 Td (date ) Tj ET Q q 0 0 0 rg BT 503.46 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 513.30 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 394.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (statements; ) Tj ET Q q 0 0 0 rg BT 97.17 382.10 Td (accordingly) Tj ET Q q 0 0 0 rg BT 143.72 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 148.89 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 159.90 382.10 Td (this ) Tj ET Q q 0 0 0 rg BT 177.02 382.10 Td (information ) Tj ET Q q 0 0 0 rg BT 226.91 382.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 264.29 382.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 290.84 382.10 Td (results ) Tj ET Q q 0 0 0 rg BT 319.62 382.10 Td (could ) Tj ET Q q 0 0 0 rg BT 344.51 382.10 Td (dif) Tj ET Q q 0 0 0 rg BT 355.44 382.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 369.21 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 391.33 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.22 382.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 448.60 382.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 503.23 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.34 382.10 Td (judgments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 86.78 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.87 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.39 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 148.68 370.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 198.21 370.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 229.95 370.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 263.36 370.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 306.21 370.10 Td (have ) Tj ET Q q 0 0 0 rg BT 327.40 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.15 370.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 364.21 370.10 Td (reliance ) Tj ET Q q 0 0 0 rg BT 398.16 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 410.47 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.00 370.10 Td (use ) Tj ET Q q 0 0 0 rg BT 440.64 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.28 370.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 493.30 370.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 547.56 370.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 93.59 358.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 112.96 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 123.71 358.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 146.97 358.10 Td (have ) Tj ET Q q 0 0 0 rg BT 168.27 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 175.13 358.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 205.31 358.10 Td (possibility ) Tj ET Q q 0 0 0 rg BT 249.41 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 260.17 358.10 Td (producing ) Tj ET Q q 0 0 0 rg BT 303.14 358.10 Td (results ) Tj ET Q q 0 0 0 rg BT 331.68 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 349.10 358.10 Td (could ) Tj ET Q q 0 0 0 rg BT 373.74 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 385.60 358.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 428.57 358.10 Td (dif) Tj ET Q q 0 0 0 rg BT 439.50 358.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 465.24 358.10 Td (than ) Tj ET Q q 0 0 0 rg BT 484.88 358.10 Td (originally ) Tj ET Q q 0 0 0 rg BT 526.19 358.10 Td (reported. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 103.67 346.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 138.40 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.59 346.10 Td (following ) Tj ET Q q 0 0 0 rg BT 193.44 346.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 226.51 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.69 346.10 Td (both ) Tj ET Q q 0 0 0 rg BT 260.43 346.10 Td (important ) Tj ET Q q 0 0 0 rg BT 301.28 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.03 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.21 346.10 Td (portrayal ) Tj ET Q q 0 0 0 rg BT 363.27 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.57 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 388.87 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 425.82 346.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 465.56 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.97 346.10 Td (results ) Tj ET Q q 0 0 0 rg BT 510.04 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.34 346.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.67 334.10 Td (require ) Tj ET Q q 0 0 0 rg BT 97.72 334.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 141.00 334.10 Td (or ) Tj ET Q q 0 0 0 rg BT 152.06 334.10 Td (complex ) Tj ET Q q 0 0 0 rg BT 189.23 334.10 Td (judgments; ) Tj ET Q q 0 0 0 rg BT 236.40 334.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 277.72 334.10 Td (management ) Tj ET Q q 0 0 0 rg BT 331.54 334.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 372.04 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.00 334.10 Td (following ) Tj ET Q q 0 0 0 rg BT 428.62 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.13 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 451.30 334.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 481.79 334.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 528.40 334.10 Td (policies. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.20 322.10 Td (has ) Tj ET Q q 0 0 0 rg BT 120.03 322.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 159.18 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.89 322.10 Td (application ) Tj ET Q q 0 0 0 rg BT 220.82 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 231.65 322.10 Td (these ) Tj ET Q q 0 0 0 rg BT 254.70 322.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 288.30 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.58 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.75 322.10 Td (Audit ) Tj ET Q q 0 0 0 rg BT 348.03 322.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 394.96 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.79 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 421.62 322.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 448.56 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.39 322.10 Td (Directors.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 310.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 96.36 298.10 Td (for) Tj ET Q q 0 0 0 rg BT 108.95 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.38 298.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 136.03 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.58 298.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 181.44 298.10 Td (Losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.72 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 216.47 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 234.44 298.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 277.40 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 291.49 298.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 311.13 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.99 298.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 350.40 298.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 376.71 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 385.81 298.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 416.56 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 426.76 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.40 298.10 Td (use ) Tj ET Q q 0 0 0 rg BT 457.16 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.91 298.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 510.05 298.10 Td (assumptions, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.90 286.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 111.53 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 122.28 286.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 182.03 286.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 226.64 286.10 Td (process ) Tj ET Q q 0 0 0 rg BT 259.60 286.10 Td (used ) Tj ET Q q 0 0 0 rg BT 280.89 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 291.64 286.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 334.58 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.76 286.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 390.48 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.78 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.96 286.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 460.46 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 475.08 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 495.27 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.67 286.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 535.62 286.10 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.49 274.10 Td (combines ) Tj ET Q q 0 0 0 rg BT 117.36 274.10 Td (several ) Tj ET Q q 0 0 0 rg BT 148.23 274.10 Td (factors: ) Tj ET Q q 0 0 0 rg BT 180.76 274.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 240.09 274.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 275.42 274.10 Td (review ) Tj ET Q q 0 0 0 rg BT 305.17 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 322.16 274.10 Td (grading ) Tj ET Q q 0 0 0 rg BT 355.26 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.14 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.90 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 400.67 274.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 440.71 274.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 497.13 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 508.01 274.10 Td (past ) Tj ET Q q 0 0 0 rg BT 526.67 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 546.43 274.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 96.55 262.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 122.24 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.27 262.10 Td (past ) Tj ET Q q 0 0 0 rg BT 148.63 262.10 Td (due ) Tj ET Q q 0 0 0 rg BT 164.32 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.01 262.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 244.58 262.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 269.44 262.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 285.69 262.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 344.13 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.71 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.18 262.10 Td (various ) Tj ET Q q 0 0 0 rg BT 397.87 262.10 Td (classifications ) Tj ET Q q 0 0 0 rg BT 455.77 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.35 262.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 490.21 262.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 523.13 262.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 95.80 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.14 250.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 126.15 250.10 Td (value ) Tj ET Q q 0 0 0 rg BT 149.94 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 160.40 250.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 205.85 250.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 247.68 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 264.25 250.10 Td (other ) Tj ET Q q 0 0 0 rg BT 286.93 250.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 331.26 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.83 250.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 397.17 250.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 426.51 250.10 Td (which ) Tj ET Q q 0 0 0 rg BT 453.08 250.10 Td (could ) Tj ET Q q 0 0 0 rg BT 477.42 250.10 Td (af) Tj ET Q q 0 0 0 rg BT 485.01 250.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 502.13 250.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 539.24 250.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 77.50 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.11 238.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 114.04 238.10 Td (current ) Tj ET Q q 0 0 0 rg BT 143.96 238.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 184.45 238.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 227.72 238.10 Td (can ) Tj ET Q q 0 0 0 rg BT 243.21 238.10 Td (change ) Tj ET Q q 0 0 0 rg BT 273.13 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.18 238.10 Td (future ) Tj ET Q q 0 0 0 rg BT 314.67 238.10 Td (events ) Tj ET Q q 0 0 0 rg BT 341.83 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 355.65 238.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 397.80 238.10 Td (dif) Tj ET Q q 0 0 0 rg BT 408.73 238.10 Td (ficult ) Tj ET Q q 0 0 0 rg BT 431.44 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.83 238.10 Td (predict, ) Tj ET Q q 0 0 0 rg BT 472.70 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.53 238.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 532.01 238.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.99 226.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 102.47 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 122.85 226.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 152.40 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 170.00 226.10 Td (therefore ) Tj ET Q q 0 0 0 rg BT 209.25 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.62 226.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 265.54 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.03 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.41 226.10 Td (allowance, ) Tj ET Q q 0 0 0 rg BT 338.60 226.10 Td (could ) Tj ET Q q 0 0 0 rg BT 363.98 226.10 Td (change ) Tj ET Q q 0 0 0 rg BT 395.45 226.10 Td (significantly) Tj ET Q q 0 0 0 rg BT 444.79 226.10 Td (. ) Tj ET Q q 0 0 0 rg BT 450.45 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 452.92 226.10 Td (As ) Tj ET Q q 0 0 0 rg BT 467.19 226.10 Td (an ) Tj ET Q q 0 0 0 rg BT 479.79 226.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 513.49 226.10 Td (part ) Tj ET Q q 0 0 0 rg BT 532.20 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 543.69 226.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 101.15 214.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 135.86 214.10 Td (various ) Tj ET Q q 0 0 0 rg BT 167.51 214.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 210.82 214.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 247.47 214.10 Td (also ) Tj ET Q q 0 0 0 rg BT 265.79 214.10 Td (review ) Tj ET Q q 0 0 0 rg BT 295.22 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.65 214.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 352.40 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 366.28 214.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 385.72 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.37 214.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 424.58 214.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 453.19 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.41 214.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 477.62 214.10 Td (agencies ) Tj ET Q q 0 0 0 rg BT 514.27 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 533.70 214.10 Td (require ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.42 202.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 95.55 202.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 114.69 202.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 151.04 202.10 Td (be ) Tj ET Q q 0 0 0 rg BT 162.41 202.10 Td (char) Tj ET Q q 0 0 0 rg BT 179.43 202.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 195.80 202.10 Td (of) Tj ET Q q 0 0 0 rg BT 203.95 202.10 Td (f ) Tj ET Q q 0 0 0 rg BT 209.20 202.10 Td (when ) Tj ET Q q 0 0 0 rg BT 232.79 202.10 Td (their ) Tj ET Q q 0 0 0 rg BT 253.04 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.73 202.10 Td (evaluations ) Tj ET Q q 0 0 0 rg BT 325.20 202.10 Td (dif) Tj ET Q q 0 0 0 rg BT 336.13 202.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 349.15 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 370.52 202.10 Td (those ) Tj ET Q q 0 0 0 rg BT 393.55 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 403.81 202.10 Td (management ) Tj ET Q q 0 0 0 rg BT 456.82 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 467.08 202.10 Td (require ) Tj ET Q q 0 0 0 rg BT 497.32 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 514.24 202.10 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 61.65 190.10 Td (made ) Tj ET Q q 0 0 0 rg BT 86.01 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.50 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.43 190.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 154.67 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.04 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 188.97 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.12 190.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 228.81 190.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 257.91 190.10 Td (based ) Tj ET Q q 0 0 0 rg BT 283.39 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 296.10 190.10 Td (their ) Tj ET Q q 0 0 0 rg BT 317.14 190.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 361.51 190.10 Td (about ) Tj ET Q q 0 0 0 rg BT 386.44 190.10 Td (information ) Tj ET Q q 0 0 0 rg BT 436.36 190.10 Td (available ) Tj ET Q q 0 0 0 rg BT 475.16 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.65 190.10 Td (them ) Tj ET Q q 0 0 0 rg BT 508.35 190.10 Td (at ) Tj ET Q q 0 0 0 rg BT 518.28 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.21 190.10 Td (time ) Tj ET Q q 0 0 0 rg BT 553.69 190.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (their ) Tj ET Q q 0 0 0 rg BT 71.52 178.10 Td (examination. ) Tj ET Q q 0 0 0 rg BT 127.14 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 130.57 178.10 Td (W) Tj ET Q q 0 0 0 rg BT 139.20 178.10 Td (e ) Tj ET Q q 0 0 0 rg BT 147.33 178.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 179.90 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.81 178.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 240.03 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.39 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 276.30 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 294.43 178.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 318.11 178.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 345.69 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 356.05 178.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 405.28 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.41 178.10 Td (properly ) Tj ET Q q 0 0 0 rg BT 460.98 178.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 499.65 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.12 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 178.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 99.21 166.10 Td (See ) Tj ET Q q 0 0 0 rg BT 116.15 166.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 166.40 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 180.56 166.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 203.61 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.55 166.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 246.37 166.10 Td (Losses ) Tj ET Q q 0 0 0 rg BT 280.53 166.10 Td (section ) Tj ET Q q 0 0 0 rg BT 311.35 166.10 Td (below ) Tj ET Q q 0 0 0 rg BT 338.29 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 352.45 166.10 Td (further ) Tj ET Q q 0 0 0 rg BT 382.16 166.10 Td (analysis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Residual ) Tj ET Q q 0 0 0 rg BT 89.16 142.10 Td (V) Tj ET Q q 0 0 0 rg BT 95.46 142.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 115.86 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.80 142.10 Td (Our) Tj ET Q q 0 0 0 rg BT 144.40 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.02 142.10 Td (Dir) Tj ET Q q 0 0 0 rg BT 161.27 142.10 Td (ect ) Tj ET Q q 0 0 0 rg BT 176.10 142.10 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 215.10 142.10 Td (Leveraged, ) Tj ET Q q 0 0 0 rg BT 265.20 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 283.94 142.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 330.44 142.10 Td (Leases.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.27 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 366.39 142.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 392.32 142.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 426.59 142.10 Td (value ) Tj ET Q q 0 0 0 rg BT 450.87 142.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 494.02 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.85 142.10 Td (present ) Tj ET Q q 0 0 0 rg BT 540.34 142.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.62 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.62 130.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 113.73 130.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 129.40 130.10 Td (value ) Tj ET Q q 0 0 0 rg BT 152.84 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.96 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.97 130.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 203.74 130.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 247.74 130.10 Td (at ) Tj ET Q q 0 0 0 rg BT 256.75 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.75 130.10 Td (termination ) Tj ET Q q 0 0 0 rg BT 318.64 130.10 Td (date ) Tj ET Q q 0 0 0 rg BT 337.08 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 347.20 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.21 130.10 Td (lease.Realization ) Tj ET Q q 0 0 0 rg BT 436.02 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.14 130.10 Td (these ) Tj ET Q q 0 0 0 rg BT 468.47 130.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 501.92 130.10 Td (values ) Tj ET Q q 0 0 0 rg BT 529.25 130.10 Td (depends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.15 118.10 Td (many ) Tj ET Q q 0 0 0 rg BT 87.01 118.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 119.36 118.10 Td (including ) Tj ET Q q 0 0 0 rg BT 159.78 118.10 Td (management) Tj ET Q q 0 0 0 rg BT 213.65 118.10 Td (s ) Tj ET Q q 0 0 0 rg BT 220.19 118.10 Td (use ) Tj ET Q q 0 0 0 rg BT 236.17 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 247.14 118.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 289.50 118.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 344.09 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 361.18 118.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 401.60 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.02 118.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 454.65 118.10 Td (such ) Tj ET Q q 0 0 0 rg BT 475.63 118.10 Td (values. ) Tj ET Q q 0 0 0 rg BT 508.82 118.10 Td (Several ) Tj ET Q q 0 0 0 rg BT 541.45 118.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 79.10 106.10 Td (outside ) Tj ET Q q 0 0 0 rg BT 110.39 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 121.11 106.10 Td (management) Tj ET Q q 0 0 0 rg BT 174.98 106.10 Td (s ) Tj ET Q q 0 0 0 rg BT 181.27 106.10 Td (control ) Tj ET Q q 0 0 0 rg BT 211.99 106.10 Td (may ) Tj ET Q q 0 0 0 rg BT 231.60 106.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 260.65 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.26 106.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 309.31 106.10 Td (values ) Tj ET Q q 0 0 0 rg BT 337.25 106.10 Td (realized, ) Tj ET Q q 0 0 0 rg BT 373.79 106.10 Td (including ) Tj ET Q q 0 0 0 rg BT 413.96 106.10 Td (general ) Tj ET Q q 0 0 0 rg BT 445.78 106.10 Td (market ) Tj ET Q q 0 0 0 rg BT 475.94 106.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 520.00 106.10 Td (at ) Tj ET Q q 0 0 0 rg BT 529.62 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.23 106.10 Td (time ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.17 94.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 103.05 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 113.72 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.27 94.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 153.09 94.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 187.64 94.10 Td (there ) Tj ET Q q 0 0 0 rg BT 209.96 94.10 Td (has ) Tj ET Q q 0 0 0 rg BT 225.63 94.10 Td (been ) Tj ET Q q 0 0 0 rg BT 246.84 94.10 Td (technological ) Tj ET Q q 0 0 0 rg BT 303.05 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 313.72 94.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 354.93 94.10 Td (obsolescence ) Tj ET Q q 0 0 0 rg BT 410.02 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 420.69 94.10 Td (unusual ) Tj ET Q q 0 0 0 rg BT 454.13 94.10 Td (wear ) Tj ET Q q 0 0 0 rg BT 475.90 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 492.68 94.10 Td (tear ) Tj ET Q q 0 0 0 rg BT 510.00 94.10 Td (on, ) Tj ET Q q 0 0 0 rg BT 524.84 94.10 Td (or ) Tj ET Q q 0 0 0 rg BT 535.51 94.10 Td (use ) Tj ET Q q 0 0 0 rg BT 551.17 94.10 Td (of, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.54 82.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 109.58 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.85 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.89 82.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 160.82 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.98 82.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 221.45 82.10 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 271.48 82.10 Td (If, ) Tj ET Q q 0 0 0 rg BT 283.47 82.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 306.30 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.34 82.10 Td (expiration ) Tj ET Q q 0 0 0 rg BT 364.71 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 375.86 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 383.13 82.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 408.44 82.10 Td (we ) Tj ET Q q 0 0 0 rg BT 422.93 82.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 439.64 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.68 82.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 499.72 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 516.99 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.03 82.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 82.58 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 90.68 70.10 Td (less ) Tj ET Q q 0 0 0 rg BT 107.11 70.10 Td (than ) Tj ET Q q 0 0 0 rg BT 125.77 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.42 70.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 175.83 70.10 Td (value ) Tj ET Q q 0 0 0 rg BT 198.92 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.68 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.33 70.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 255.42 70.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 286.29 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.50 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.16 70.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 355.30 70.10 Td (we ) Tj ET Q q 0 0 0 rg BT 368.40 70.10 Td (will ) Tj ET Q q 0 0 0 rg BT 385.39 70.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 425.68 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 431.56 70.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 448.55 70.10 Td (reflecting ) Tj ET Q q 0 0 0 rg BT 488.30 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.95 70.10 Td (dif) Tj ET Q q 0 0 0 rg BT 512.88 70.10 Td (ference.On ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.64 58.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 95.43 58.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 120.63 58.10 Td (management ) Tj ET Q q 0 0 0 rg BT 174.41 58.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 208.21 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.12 58.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 245.81 58.10 Td (residuals ) Tj ET Q q 0 0 0 rg BT 284.05 58.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.41 58.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 336.10 58.10 Td (impairment. ) Tj ET Q q 0 0 0 rg BT 389.89 58.10 Td (If ) Tj ET Q q 0 0 0 rg BT 399.25 58.10 Td (we ) Tj ET Q q 0 0 0 rg BT 413.61 58.10 Td (fail ) Tj ET Q q 0 0 0 rg BT 429.63 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.11 58.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 469.45 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 485.47 58.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 527.03 58.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 82.82 46.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 112.53 46.10 Td (our ) Tj ET Q q 0 0 0 rg BT 127.52 46.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 164.16 46.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 203.59 46.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.69 46.10 Td (profitability ) Tj ET Q q 0 0 0 rg BT 269.12 46.10 Td (could ) Tj ET Q q 0 0 0 rg BT 293.00 46.10 Td (be ) Tj ET Q q 0 0 0 rg BT 304.10 46.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 344.08 46.10 Td (af) Tj ET Q q 0 0 0 rg BT 351.67 46.10 Td (fected. ) Tj ET Q q 0 0 0 rg BT 382.39 46.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.05 46.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 451.79 46.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.79 46.10 Td (, ) Tj ET Q q 0 0 0 rg BT 475.96 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.83 46.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 530.36 46.10 Td (residual ) Tj ET Q endstream endobj 75 0 obj <> endobj 76 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (37) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.94 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 85.06 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.06 742.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 145.06 742.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 172.83 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 198.39 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 214.51 742.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 240.06 742.10 Td (finance, ) Tj ET Q q 0 0 0 rg BT 274.77 742.10 Td (leveraged, ) Tj ET Q q 0 0 0 rg BT 318.92 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.14 742.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 376.70 742.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 403.36 742.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.36 742.10 Td ($178.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.86 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 463.65 742.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 500.32 742.10 Td (See ) Tj ET Q q 0 0 0 rg BT 517.55 742.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 539.78 742.10 Td (1 ) 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 49.50 730.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 71.44 730.10 Td (6 ) Tj ET Q q 0 0 0 rg BT 78.94 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.77 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 105.60 730.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 137.53 730.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 190.57 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.05 730.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 272.77 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 286.93 730.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 329.42 730.10 Td (information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.77 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 89.52 706.10 Td (ax ) Tj ET Q q 0 0 0 rg BT 101.71 706.10 Td (Accounting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.10 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.79 706.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 207.26 706.10 Td (Standards ) Tj ET Q q 0 0 0 rg BT 249.51 706.10 Td (Codification ) Tj ET Q q 0 0 0 rg BT 302.31 706.10 Td (\("ASC"\) ) Tj ET Q q 0 0 0 rg BT 339.20 706.10 Td (T) Tj ET Q q 0 0 0 rg BT 344.61 706.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 364.64 706.10 Td (740 ) Tj ET Q q 0 0 0 rg BT 382.45 706.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 419.70 706.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 458.60 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 471.41 706.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 518.10 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 532.57 706.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 72.13 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 84.21 694.10 Td (prescribing ) Tj ET Q q 0 0 0 rg BT 131.28 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.58 694.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 186.56 694.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 234.19 694.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 273.49 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.57 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.09 694.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 311.39 694.10 Td (position ) Tj ET Q q 0 0 0 rg BT 345.70 694.10 Td (must ) Tj ET Q q 0 0 0 rg BT 367.23 694.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 388.75 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.61 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 410.13 694.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 456.08 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 465.94 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.24 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 517.31 694.10 Td (statements. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.27 682.10 Td (T) Tj ET Q q 0 0 0 rg BT 76.68 682.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.39 682.10 Td (740 ) Tj ET Q q 0 0 0 rg BT 113.88 682.10 Td (also ) Tj ET Q q 0 0 0 rg BT 132.48 682.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 169.42 682.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 208.00 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 220.50 682.10 Td (measurement, ) Tj ET Q q 0 0 0 rg BT 278.80 682.10 Td (recognition, ) Tj ET Q q 0 0 0 rg BT 329.34 682.10 Td (classification, ) Tj ET Q q 0 0 0 rg BT 387.09 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 419.02 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 435.95 682.10 Td (penalties, ) Tj ET Q q 0 0 0 rg BT 476.49 682.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 522.86 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 533.13 682.10 Td (interim ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (periods, ) Tj ET Q q 0 0 0 rg BT 84.65 670.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 128.42 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.07 670.10 Td (transition. ) Tj ET Q q 0 0 0 rg BT 191.35 670.10 Td (As ) Tj ET Q q 0 0 0 rg BT 205.68 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.22 670.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 276.52 670.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.52 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 302.24 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 317.67 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 359.77 670.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.43 670.10 Td ($20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.43 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 395.64 670.10 Td (thousand ) Tj ET Q q 0 0 0 rg BT 434.96 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 446.51 670.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 486.93 670.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 502.36 670.10 Td (positions. ) Tj ET Q q 0 0 0 rg BT 546.46 670.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.43 658.10 Td (elects ) Tj ET Q q 0 0 0 rg BT 115.23 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 125.05 658.10 Td (treat ) Tj ET Q q 0 0 0 rg BT 144.85 658.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.33 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 192.80 658.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 230.39 658.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 276.29 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 289.99 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.25 658.10 Td (underpayment ) Tj ET Q q 0 0 0 rg BT 363.49 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.86 658.10 Td (income ) Tj ET Q q 0 0 0 rg BT 405.33 658.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 427.92 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 438.29 658.10 Td (income ) Tj ET Q q 0 0 0 rg BT 469.76 658.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 484.02 658.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 523.27 658.10 Td (However) Tj ET Q q 0 0 0 rg BT 559.52 658.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.13 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 97.77 646.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 135.51 646.10 Td (imposed ) Tj ET Q q 0 0 0 rg BT 171.60 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 183.80 646.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 210.99 646.10 Td (authorities ) Tj ET Q q 0 0 0 rg BT 255.41 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 267.61 646.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 293.70 646.10 Td (specifically ) Tj ET Q q 0 0 0 rg BT 341.99 646.10 Td (addressed ) Tj ET Q q 0 0 0 rg BT 383.61 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 393.11 646.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 414.60 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 420.01 646.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 439.43 646.10 Td (740 ) Tj ET Q q 0 0 0 rg BT 456.63 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 474.38 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 486.02 646.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 509.88 646.10 Td (out ) Tj ET Q q 0 0 0 rg BT 524.85 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 535.38 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 549.80 646.10 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 84.34 634.10 Td (up ) Tj ET Q q 0 0 0 rg BT 96.42 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 106.27 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.57 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 152.64 634.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 190.81 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.67 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 232.18 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.70 634.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 291.17 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 308.80 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 340.87 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 351.28 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 382.79 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 399.31 634.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 436.93 634.10 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 479.54 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.84 634.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 525.91 634.10 Td (allocated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.34 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.61 622.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 87.89 622.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 122.70 622.10 Td (will ) Tj ET Q q 0 0 0 rg BT 140.32 622.10 Td (be ) Tj ET Q q 0 0 0 rg BT 151.81 622.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 181.07 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 191.46 622.10 Td (income ) Tj ET Q q 0 0 0 rg BT 222.95 622.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 237.23 622.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 276.04 622.10 Td (As ) Tj ET Q q 0 0 0 rg BT 289.21 622.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.60 622.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 357.74 622.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.74 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 382.30 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.58 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 437.52 622.10 Td (had ) Tj ET Q q 0 0 0 rg BT 454.02 622.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.83 622.10 Td ($3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.83 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 525.89 622.10 Td (thousand ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.08 610.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 93.42 610.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 125.11 610.10 Td (related ) Tj ET Q q 0 0 0 rg BT 154.56 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.60 610.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 179.07 610.10 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 218.91 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 236.71 610.10 Td (application ) Tj ET Q q 0 0 0 rg BT 283.40 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.98 610.10 Td (income ) Tj ET Q q 0 0 0 rg BT 325.67 610.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 340.14 610.10 Td (law ) Tj ET Q q 0 0 0 rg BT 356.83 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 365.75 610.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 408.55 610.10 Td (complex. ) Tj ET Q q 0 0 0 rg BT 450.24 610.10 Td (Laws ) Tj ET Q q 0 0 0 rg BT 474.15 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.84 610.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 537.53 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 547.56 610.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (area ) Tj ET Q q 0 0 0 rg BT 69.15 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 84.37 598.10 Td (voluminous ) Tj ET Q q 0 0 0 rg BT 134.60 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.05 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 167.26 598.10 Td (often ) Tj ET Q q 0 0 0 rg BT 190.82 598.10 Td (ambiguous. ) Tj ET Q q 0 0 0 rg BT 242.05 598.10 Td (As ) Tj ET Q q 0 0 0 rg BT 256.17 598.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 280.01 598.10 Td (we ) Tj ET Q q 0 0 0 rg BT 294.68 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.89 598.10 Td (required ) Tj ET Q q 0 0 0 rg BT 346.21 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.00 598.10 Td (make ) Tj ET Q q 0 0 0 rg BT 381.66 598.10 Td (many ) Tj ET Q q 0 0 0 rg BT 406.89 598.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 450.44 598.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 502.89 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.34 598.10 Td (judgments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 90.40 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 106.31 586.10 Td (income ) Tj ET Q q 0 0 0 rg BT 138.32 586.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 153.12 586.10 Td (exposures. ) Tj ET Q q 0 0 0 rg BT 200.69 586.10 Td (Interpretations ) Tj ET Q q 0 0 0 rg BT 261.58 586.10 Td (of, ) Tj ET Q q 0 0 0 rg BT 274.99 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.01 586.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 330.68 586.10 Td (surrounding ) Tj ET Q q 0 0 0 rg BT 381.59 586.10 Td (income ) Tj ET Q q 0 0 0 rg BT 413.61 586.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 428.41 586.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 449.32 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.34 586.10 Td (regulations ) Tj ET Q q 0 0 0 rg BT 513.35 586.10 Td (change ) Tj ET Q q 0 0 0 rg BT 544.25 586.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 73.81 574.10 Td (As ) Tj ET Q q 0 0 0 rg BT 86.90 574.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 109.70 574.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 143.88 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 153.63 574.10 Td (our ) Tj ET Q q 0 0 0 rg BT 168.93 574.10 Td (subjective ) Tj ET Q q 0 0 0 rg BT 211.45 574.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 262.87 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.28 574.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 322.92 574.10 Td (can ) Tj ET Q q 0 0 0 rg BT 338.77 574.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 381.28 574.10 Td (af) Tj ET Q q 0 0 0 rg BT 388.86 574.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 405.82 574.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 441.68 574.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 487.52 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.27 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.46 574.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 82.53 562.10 Td (sheets ) Tj ET Q q 0 0 0 rg BT 109.47 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.41 562.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 171.12 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 181.95 562.10 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 67.64 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 69.53 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 75.83 538.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 95.64 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.56 538.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 134.25 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.41 538.10 Td (Liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.69 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 201.77 538.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 223.11 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 228.52 538.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 247.77 538.10 Td (820 ) Tj ET Q q 0 0 0 rg BT 264.80 538.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 295.71 538.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 311.62 538.10 Td (value ) Tj ET Q q 0 0 0 rg BT 335.30 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 345.66 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.91 538.10 Td (price ) Tj ET Q q 0 0 0 rg BT 381.93 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 398.95 538.10 Td (would ) Tj ET Q q 0 0 0 rg BT 425.99 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 437.46 538.10 Td (received ) Tj ET Q q 0 0 0 rg BT 473.35 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.16 538.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 499.08 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.55 538.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 542.56 538.10 Td (asset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.33 526.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 80.05 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.33 526.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 123.36 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 130.30 526.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 167.78 526.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 201.39 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 211.67 526.10 Td (an ) Tj ET Q q 0 0 0 rg BT 223.61 526.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 254.98 526.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 301.36 526.10 Td (between ) Tj ET Q q 0 0 0 rg BT 337.17 526.10 Td (market ) Tj ET Q q 0 0 0 rg BT 367.43 526.10 Td (participants ) Tj ET Q q 0 0 0 rg BT 416.58 526.10 Td (at ) Tj ET Q q 0 0 0 rg BT 426.30 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.02 526.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 496.83 526.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.82 502.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 133.24 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.35 502.10 Td (management ) Tj ET Q q 0 0 0 rg BT 198.21 502.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 238.76 502.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 276.54 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 287.09 502.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 338.19 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.18 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 369.83 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 394.26 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.37 502.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 431.47 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 448.69 502.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 488.68 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 498.13 502.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 542.00 502.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.32 490.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 111.91 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 122.84 490.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 152.67 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 183.03 490.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 209.51 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 220.45 490.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 266.37 490.10 Td (market ) Tj ET Q q 0 0 0 rg BT 296.73 490.10 Td (parameters. ) Tj ET Q q 0 0 0 rg BT 345.70 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 348.31 490.10 Td (For ) Tj ET Q q 0 0 0 rg BT 364.80 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 402.39 490.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 451.65 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 469.25 490.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 491.84 490.10 Td (actively ) Tj ET Q q 0 0 0 rg BT 526.10 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.14 490.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 79.96 478.10 Td (market ) Tj ET Q q 0 0 0 rg BT 110.96 478.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 138.08 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 149.66 478.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 196.21 478.10 Td (market ) Tj ET Q q 0 0 0 rg BT 227.22 478.10 Td (parameters, ) Tj ET Q q 0 0 0 rg BT 276.82 478.10 Td (there ) Tj ET Q q 0 0 0 rg BT 300.05 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 309.96 478.10 Td (minimal ) Tj ET Q q 0 0 0 rg BT 346.54 478.10 Td (subjectivity ) Tj ET Q q 0 0 0 rg BT 396.44 478.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 434.68 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.70 478.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 490.59 478.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 507.71 478.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 535.11 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 538.12 478.10 Td (When ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 95.87 466.10 Td (market ) Tj ET Q q 0 0 0 rg BT 126.68 466.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 153.61 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 171.10 466.10 Td (parameters ) Tj ET Q q 0 0 0 rg BT 218.02 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 233.27 466.10 Td (not ) Tj ET Q q 0 0 0 rg BT 249.10 466.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 271.04 466.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 312.68 466.10 Td (management ) Tj ET Q q 0 0 0 rg BT 366.82 466.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 407.65 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 417.37 466.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 459.29 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 470.12 466.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 506.49 466.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 523.42 466.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 550.63 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 553.68 466.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 87.81 454.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 123.05 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.86 454.10 Td (market ) Tj ET Q q 0 0 0 rg BT 164.66 454.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 209.36 454.10 Td (may ) Tj ET Q q 0 0 0 rg BT 229.61 454.10 Td (reduce ) Tj ET Q q 0 0 0 rg BT 259.29 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 274.54 454.10 Td (availability ) Tj ET Q q 0 0 0 rg BT 322.56 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.93 454.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 364.18 454.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 391.09 454.10 Td (or ) Tj ET Q q 0 0 0 rg BT 402.46 454.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 448.81 454.10 Td (data. ) Tj ET Q q 0 0 0 rg BT 471.00 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 474.03 454.10 Td (For ) Tj ET Q q 0 0 0 rg BT 490.96 454.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 530.36 454.10 Td (reduced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 86.95 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 98.28 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.05 442.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 144.26 442.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 179.47 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 191.35 442.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 227.11 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 238.45 442.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 282.54 442.10 Td (market ) Tj ET Q q 0 0 0 rg BT 313.86 442.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 353.51 442.10 Td (could ) Tj ET Q q 0 0 0 rg BT 379.28 442.10 Td (result ) Tj ET Q q 0 0 0 rg BT 405.05 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.38 442.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 463.25 442.10 Td (market ) Tj ET Q q 0 0 0 rg BT 494.57 442.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 522.58 442.10 Td (becoming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (unavailable. ) Tj ET Q q 0 0 0 rg BT 102.56 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.71 430.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 153.10 430.10 Td (when ) Tj ET Q q 0 0 0 rg BT 179.24 430.10 Td (market ) Tj ET Q q 0 0 0 rg BT 211.48 430.10 Td (data ) Tj ET Q q 0 0 0 rg BT 232.61 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 243.75 430.10 Td (not ) Tj ET Q q 0 0 0 rg BT 261.00 430.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 304.07 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.76 430.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 364.12 430.10 Td (would ) Tj ET Q q 0 0 0 rg BT 393.59 430.10 Td (use ) Tj ET Q q 0 0 0 rg BT 411.40 430.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 453.09 430.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 500.32 430.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 541.45 430.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.09 418.10 Td (judgment ) Tj ET Q q 0 0 0 rg BT 143.36 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 153.64 418.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 189.46 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.18 418.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 252.21 418.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 268.59 418.10 Td (value ) Tj ET Q q 0 0 0 rg BT 292.74 418.10 Td (measurement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 406.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 394.10 Td (See ) Tj ET Q q 0 0 0 rg BT 103.08 394.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 125.67 394.10 Td (18 ) Tj ET Q q 0 0 0 rg BT 138.81 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 149.74 394.10 Td (our ) Tj ET Q q 0 0 0 rg BT 166.22 394.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 198.79 394.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 252.48 394.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.61 394.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 335.97 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 350.77 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 358.36 394.10 Td (complete ) Tj ET Q q 0 0 0 rg BT 398.15 394.10 Td (discussion ) Tj ET Q q 0 0 0 rg BT 442.97 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 456.12 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 471.48 394.10 Td (Company) Tj ET Q q 0 0 0 rg BT 513.14 394.10 Td (s ) Tj ET Q q 0 0 0 rg BT 520.18 394.10 Td (use ) Tj ET Q q 0 0 0 rg BT 536.66 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 548.13 394.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.21 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.04 382.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 125.87 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.81 382.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 182.53 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.47 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.18 382.10 Td (related ) Tj ET Q q 0 0 0 rg BT 243.88 382.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 299.70 382.10 Td (techniques.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 370.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (Goodwill.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.90 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 113.69 358.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 142.03 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.60 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.06 358.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 185.42 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.99 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 207.67 358.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 253.80 358.10 Td (over ) Tj ET Q q 0 0 0 rg BT 273.81 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.27 358.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 304.39 358.10 Td (value ) Tj ET Q q 0 0 0 rg BT 328.29 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.86 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.32 358.10 Td (net ) Tj ET Q q 0 0 0 rg BT 367.78 358.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 393.36 358.10 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 432.52 358.10 Td (including ) Tj ET Q q 0 0 0 rg BT 472.54 358.10 Td (core ) Tj ET Q q 0 0 0 rg BT 491.99 358.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 523.12 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.81 358.10 Td (client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 98.89 346.10 Td (intangibles, ) Tj ET Q q 0 0 0 rg BT 147.44 346.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 181.29 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 191.79 346.10 Td (goodwill.See ) Tj ET Q q 0 0 0 rg BT 251.47 346.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 273.08 346.10 Td (8 ) Tj ET Q q 0 0 0 rg BT 280.25 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.21 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 305.71 346.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 337.32 346.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 390.04 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 427.20 346.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 471.58 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 485.42 346.10 Td (further ) Tj ET Q q 0 0 0 rg BT 514.80 346.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 91.08 334.10 Td (core ) Tj ET Q q 0 0 0 rg BT 111.54 334.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 143.69 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.39 334.10 Td (client ) Tj ET Q q 0 0 0 rg BT 186.86 334.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 237.34 334.10 Td (intangibles. ) Tj ET Q q 0 0 0 rg BT 289.24 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 308.05 334.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 350.20 334.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 384.56 334.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 423.37 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 434.41 334.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 477.65 334.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 515.91 334.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (annually) Tj ET Q q 0 0 0 rg BT 83.28 322.10 Td (, ) Tj ET Q q 0 0 0 rg BT 88.86 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 100.26 322.10 Td (more ) Tj ET Q q 0 0 0 rg BT 123.88 322.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 168.04 322.10 Td (if ) Tj ET Q q 0 0 0 rg BT 177.22 322.10 Td (events ) Tj ET Q q 0 0 0 rg BT 205.84 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.35 322.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 283.06 322.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 317.78 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 335.85 322.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 374.48 322.10 Td (might ) Tj ET Q q 0 0 0 rg BT 400.88 322.10 Td (be ) Tj ET Q q 0 0 0 rg BT 413.39 322.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 454.50 322.10 Td (by ) Tj ET Q q 0 0 0 rg BT 467.58 322.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 513.41 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 528.70 322.10 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.66 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.49 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.20 310.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 138.36 310.10 Td (units ) Tj ET Q q 0 0 0 rg BT 160.31 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 180.58 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.30 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 211.68 310.10 Td (value ) Tj ET Q q 0 0 0 rg BT 235.83 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 246.66 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.38 310.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 300.54 310.10 Td (units. ) Tj ET Q q 0 0 0 rg BT 324.98 310.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.85 286.10 Td (Company) Tj ET Q q 0 0 0 rg BT 144.51 286.10 Td (s ) Tj ET Q q 0 0 0 rg BT 150.21 286.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 178.66 286.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 224.90 286.10 Td (date ) Tj ET Q q 0 0 0 rg BT 243.36 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 256.82 286.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 294.18 286.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 342.08 286.10 Td (testing ) Tj ET Q q 0 0 0 rg BT 370.55 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 379.02 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 389.15 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.28 286.10 Td (December31. ) Tj ET Q q 0 0 0 rg BT 457.17 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.57 286.10 Td (As ) Tj ET Q q 0 0 0 rg BT 471.49 286.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.62 286.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 539.51 286.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 286.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.38 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 105.93 274.10 Td (had ) Tj ET Q q 0 0 0 rg BT 123.03 274.10 Td (three ) Tj ET Q q 0 0 0 rg BT 145.67 274.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 184.99 274.10 Td (units: ) Tj ET Q q 0 0 0 rg BT 209.88 274.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 247.25 274.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 278.24 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 295.34 274.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 335.76 274.10 Td (banking. ) Tj ET Q q 0 0 0 rg BT 373.14 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.80 274.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 402.90 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 415.56 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.44 274.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 477.68 274.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 515.90 274.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 262.10 Td (testing, ) Tj ET Q q 0 0 0 rg BT 81.03 262.10 Td (no ) Tj ET Q q 0 0 0 rg BT 93.39 262.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 141.85 262.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 168.11 262.10 Td (were ) Tj ET Q q 0 0 0 rg BT 189.90 262.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 236.13 262.10 Td (during ) Tj ET Q q 0 0 0 rg BT 264.60 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.18 262.10 Td (years ) Tj ET Q q 0 0 0 rg BT 302.64 262.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.88 262.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 387.33 262.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.33 262.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.19 262.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.19 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.55 262.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.36 262.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.36 262.10 Td (. ) Tj ET Q q 0 0 0 rg BT 476.22 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 478.41 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 496.32 262.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 532.00 262.10 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.28 250.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 98.28 250.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.27 250.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 136.22 250.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 162.33 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.78 250.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.44 250.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 232.97 250.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.97 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.42 250.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.30 250.10 Td ($725.1 ) Tj ET Q q 0 0 0 rg BT 302.24 250.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.14 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 333.58 250.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.24 250.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 401.77 250.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.77 250.10 Td (. ) Tj ET Q q 0 0 0 rg BT 426.72 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.99 250.10 Td (The ) Tj ET Q q 0 0 0 rg BT 446.98 250.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 482.18 250.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.95 250.10 Td ($276.0 ) Tj ET Q q 0 0 0 rg BT 522.90 250.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.79 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.24 250.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 87.56 238.10 Td (was ) Tj ET Q q 0 0 0 rg BT 105.61 238.10 Td (mainly ) Tj ET Q q 0 0 0 rg BT 135.88 238.10 Td (due ) Tj ET Q q 0 0 0 rg BT 152.82 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 163.10 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.26 238.10 Td (American ) Tj ET Q q 0 0 0 rg BT 219.19 238.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 261.11 238.10 Td (mer) Tj ET Q q 0 0 0 rg BT 276.48 238.10 Td (ger) Tj ET Q q 0 0 0 rg BT 288.69 238.10 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.80 214.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 75.75 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 86.24 214.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 130.05 214.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 172.21 214.10 Td (Rights.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 204.66 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 206.67 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 224.39 214.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 265.44 214.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 307.04 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 323.64 214.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 343.58 214.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 387.40 214.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 427.33 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 450.60 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.55 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.93 214.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 517.63 214.10 Td (market ) Tj ET Q q 0 0 0 rg BT 547.56 214.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.47 202.10 Td (retain ) Tj ET Q q 0 0 0 rg BT 94.99 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.97 202.10 Td (right ) Tj ET Q q 0 0 0 rg BT 131.61 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 142.14 202.10 Td (service ) Tj ET Q q 0 0 0 rg BT 173.22 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.19 202.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 212.05 202.10 Td (sold. ) Tj ET Q q 0 0 0 rg BT 233.98 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 236.74 202.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 277.82 202.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 314.46 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.43 202.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 371.62 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.71 202.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 423.79 202.10 Td (from ) Tj ET Q q 0 0 0 rg BT 445.98 202.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 489.29 202.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 532.59 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 202.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 97.70 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.11 190.10 Td (those ) Tj ET Q q 0 0 0 rg BT 131.30 190.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 171.71 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 181.58 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.88 190.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 236.57 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.65 190.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 262.96 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.48 190.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 287.11 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.53 190.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 337.37 190.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 360.57 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 374.31 190.10 Td (which ) Tj ET Q q 0 0 0 rg BT 400.83 190.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 439.57 190.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 464.43 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 478.72 190.10 Td (retained, ) Tj ET Q q 0 0 0 rg BT 515.51 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.81 190.10 Td (retained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.54 178.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 130.47 178.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 156.52 178.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 179.23 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 189.18 178.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 235.75 178.10 Td (at ) Tj ET Q q 0 0 0 rg BT 246.25 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.74 178.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 278.89 178.10 Td (value ) Tj ET Q q 0 0 0 rg BT 303.82 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 315.42 178.10 Td (future ) Tj ET Q q 0 0 0 rg BT 342.57 178.10 Td (net ) Tj ET Q q 0 0 0 rg BT 358.06 178.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 379.10 178.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 404.60 178.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 443.41 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.46 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 467.17 178.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 502.09 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.02 178.10 Td (performing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.22 166.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 130.89 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 133.95 166.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 178.12 166.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 218.95 166.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 258.67 166.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 284.51 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 299.79 166.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 337.83 166.10 Td (at ) Tj ET Q q 0 0 0 rg BT 348.11 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.40 166.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 402.00 166.10 Td (price ) Tj ET Q q 0 0 0 rg BT 425.05 166.10 Td (at ) Tj ET Q q 0 0 0 rg BT 435.33 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.62 166.10 Td (date ) Tj ET Q q 0 0 0 rg BT 470.34 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.74 166.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 520.34 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 537.84 166.10 Td (at ) Tj ET Q q 0 0 0 rg BT 548.13 166.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.66 154.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 111.40 154.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 130.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 126.65 130.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 165.59 130.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 190.64 130.10 Td (do ) Tj ET Q q 0 0 0 rg BT 202.92 130.10 Td (not ) Tj ET Q q 0 0 0 rg BT 217.97 130.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 240.24 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.29 130.10 Td (an ) Tj ET Q q 0 0 0 rg BT 262.01 130.10 Td (active ) Tj ET Q q 0 0 0 rg BT 288.15 130.10 Td (market ) Tj ET Q q 0 0 0 rg BT 318.20 130.10 Td (with ) Tj ET Q q 0 0 0 rg BT 338.25 130.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 368.29 130.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 413.88 130.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 442.54 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 444.65 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 462.47 130.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 503.64 130.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 549.79 130.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.26 118.10 Td (value ) Tj ET Q q 0 0 0 rg BT 90.80 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.01 118.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 142.66 118.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 182.20 118.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 207.86 118.10 Td (by ) Tj ET Q q 0 0 0 rg BT 220.74 118.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 265.29 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.39 118.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 297.15 118.10 Td (value ) Tj ET Q q 0 0 0 rg BT 321.69 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.90 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.00 118.10 Td (future ) Tj ET Q q 0 0 0 rg BT 374.76 118.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 395.41 118.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 420.52 118.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 464.49 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 485.15 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.25 118.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 540.90 118.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (being ) Tj ET Q q 0 0 0 rg BT 74.81 106.10 Td (serviced. ) Tj ET Q q 0 0 0 rg BT 113.72 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.81 106.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 136.56 106.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 178.53 106.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 231.07 106.10 Td (used ) Tj ET Q q 0 0 0 rg BT 252.49 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 263.36 106.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 308.11 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.42 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 340.39 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 365.13 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.56 106.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 417.41 106.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 457.16 106.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 483.03 106.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 518.06 106.10 Td (but ) Tj ET Q q 0 0 0 rg BT 533.93 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.23 106.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 79.97 94.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 92.38 94.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 141.72 94.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 173.01 94.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 209.03 94.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 232.55 94.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 289.66 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.24 94.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 324.48 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.39 94.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 367.34 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 369.32 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 387.01 94.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 438.59 94.10 Td (used ) Tj ET Q q 0 0 0 rg BT 459.06 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 468.97 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.32 94.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 522.67 94.10 Td (model ) Tj ET Q q 0 0 0 rg BT 549.80 94.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 87.80 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 99.44 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 105.53 82.10 Td (periodic ) Tj ET Q q 0 0 0 rg BT 139.94 82.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 164.09 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.73 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 167.26 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 184.46 82.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 199.98 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 223.28 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 231.60 82.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 269.90 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.54 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.63 82.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 325.37 82.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 347.02 82.10 Td (with ) Tj ET Q q 0 0 0 rg BT 366.44 82.10 Td (an ) Tj ET Q q 0 0 0 rg BT 377.53 82.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 428.05 82.10 Td (third ) Tj ET Q q 0 0 0 rg BT 448.58 82.10 Td (party) Tj ET Q q 0 0 0 rg BT 468.48 82.10 Td (. ) Tj ET Q q 0 0 0 rg BT 472.62 82.10 Td (Material ) Tj ET Q q 0 0 0 rg BT 508.14 82.10 Td (discrepancies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (between ) Tj ET Q q 0 0 0 rg BT 85.18 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.76 70.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 132.67 70.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 172.25 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 189.05 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.63 70.10 Td (third ) Tj ET Q q 0 0 0 rg BT 224.88 70.10 Td (party ) Tj ET Q q 0 0 0 rg BT 247.79 70.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 287.37 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 301.94 70.10 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 339.84 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 356.64 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 368.44 70.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 401.35 70.10 Td (committee ) Tj ET Q q 0 0 0 rg BT 445.92 70.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 492.16 70.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 526.73 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 537.43 70.10 Td (not ) Tj ET Q q 0 0 0 rg BT 552.57 70.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 95.88 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 105.05 58.10 Td (required. ) Tj ET Q endstream endobj 77 0 obj <> endobj 78 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.31 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 144.46 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 160.05 742.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 190.63 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.67 742.10 Td (account ) Tj ET Q q 0 0 0 rg BT 234.03 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 247.95 742.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 287.98 742.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 326.89 742.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 351.94 742.10 Td (using ) Tj ET Q q 0 0 0 rg BT 375.87 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 390.35 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 406.49 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 430.41 742.10 Td (option. ) Tj ET Q q 0 0 0 rg BT 460.73 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 462.99 742.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 499.69 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 509.73 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.21 742.10 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 49.50 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.21 730.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 110.57 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 120.85 730.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 161.11 730.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 195.83 730.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 229.97 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 242.47 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.19 730.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 304.27 730.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 359.54 730.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 405.93 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.76 730.10 Td (Operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (Recent ) Tj ET Q q 0 0 0 rg BT 80.38 706.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 131.13 706.10 Td (Pr) Tj ET Q q 0 0 0 rg BT 141.49 706.10 Td (onouncements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.11 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.46 706.10 Td (Refer ) Tj ET Q q 0 0 0 rg BT 233.53 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.16 706.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 264.46 706.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 271.32 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.51 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 296.69 706.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 327.99 706.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 380.39 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 417.22 706.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 461.29 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.81 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 481.11 706.10 Td (description ) Tj ET Q q 0 0 0 rg BT 527.40 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 537.59 706.10 Td (recent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.58 694.10 Td (pronouncements ) Tj ET Q q 0 0 0 rg BT 163.88 694.10 Td (including ) Tj ET Q q 0 0 0 rg BT 203.86 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.28 694.10 Td (respective ) Tj ET Q q 0 0 0 rg BT 261.02 694.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 283.77 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.31 694.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 331.51 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.15 694.10 Td (ef) Tj ET Q q 0 0 0 rg BT 355.74 694.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 376.82 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 387.36 694.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 425.10 694.10 Td (ef) Tj ET Q q 0 0 0 rg BT 432.69 694.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 453.77 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 465.98 694.10 Td (our ) Tj ET Q q 0 0 0 rg BT 481.51 694.10 Td (results ) Tj ET Q q 0 0 0 rg BT 509.83 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 694.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 682.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 103.92 682.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 652.70 Td (Non-GAAP) Tj ET Q q 0 0 0 rg BT 98.39 652.70 Td ( ) Tj ET Q q 0 0 0 rg BT 100.89 652.70 Td (Financial ) Tj ET Q q 0 0 0 rg BT 143.40 652.70 Td (Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 623.30 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 623.30 Td (This ) Tj ET Q q 0 0 0 rg BT 106.13 623.30 Td (report ) Tj ET Q q 0 0 0 rg BT 132.85 623.30 Td (contains ) Tj ET Q q 0 0 0 rg BT 169.02 623.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 199.07 623.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 236.90 623.30 Td (information ) Tj ET Q q 0 0 0 rg BT 286.96 623.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 334.78 623.30 Td (by ) Tj ET Q q 0 0 0 rg BT 347.63 623.30 Td (methods ) Tj ET Q q 0 0 0 rg BT 384.36 623.30 Td (other ) Tj ET Q q 0 0 0 rg BT 407.76 623.30 Td (than ) Tj ET Q q 0 0 0 rg BT 427.82 623.30 Td (in ) Tj ET Q q 0 0 0 rg BT 438.44 623.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 486.25 623.30 Td (with ) Tj ET Q q 0 0 0 rg BT 506.88 623.30 Td (GAAP) Tj ET Q q 0 0 0 rg BT 533.00 623.30 Td (. ) Tj ET Q q 0 0 0 rg BT 538.14 623.30 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 611.30 Td (measures ) Tj ET Q q 0 0 0 rg BT 89.63 611.30 Td (include ) Tj ET Q q 0 0 0 rg BT 121.99 611.30 Td (net ) Tj ET Q q 0 0 0 rg BT 137.14 611.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 169.50 611.30 Td (income ) Tj ET Q q 0 0 0 rg BT 201.86 611.30 Td (on ) Tj ET Q q 0 0 0 rg BT 214.78 611.30 Td (a ) Tj ET Q q 0 0 0 rg BT 222.15 611.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 243.96 611.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 259.10 611.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 303.68 611.30 Td (basis, ) Tj ET Q q 0 0 0 rg BT 329.11 611.30 Td (net ) Tj ET Q q 0 0 0 rg BT 344.25 611.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 376.61 611.30 Td (mar) Tj ET Q q 0 0 0 rg BT 391.98 611.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 407.68 611.30 Td (on ) Tj ET Q q 0 0 0 rg BT 420.61 611.30 Td (a ) Tj ET Q q 0 0 0 rg BT 427.97 611.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 449.78 611.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 464.93 611.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 509.50 611.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 532.43 611.30 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 611.30 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 599.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 80.47 599.30 Td (mar) Tj ET Q q 0 0 0 rg BT 95.83 599.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 110.15 599.30 Td (on ) Tj ET Q q 0 0 0 rg BT 121.68 599.30 Td (a ) Tj ET Q q 0 0 0 rg BT 127.66 599.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 148.08 599.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 161.83 599.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 205.01 599.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 226.55 599.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 267.52 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 281.27 599.30 Td (ef) Tj ET Q q 0 0 0 rg BT 288.86 599.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 305.38 599.30 Td (of ) Tj ET Q q 0 0 0 rg BT 315.24 599.30 Td (the ) Tj ET Q q 0 0 0 rg BT 328.99 599.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 374.41 599.30 Td (accounting ) Tj ET Q q 0 0 0 rg BT 419.81 599.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 455.24 599.30 Td (accretion ) Tj ET Q q 0 0 0 rg BT 493.41 599.30 Td (on ) Tj ET Q q 0 0 0 rg BT 504.95 599.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 527.59 599.30 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 587.30 Td (through ) Tj ET Q q 0 0 0 rg BT 82.71 587.30 Td (the ) Tj ET Q q 0 0 0 rg BT 96.88 587.30 Td (T) Tj ET Q q 0 0 0 rg BT 102.29 587.30 Td (aylor ) Tj ET Q q 0 0 0 rg BT 124.94 587.30 Td (Capital ) Tj ET Q q 0 0 0 rg BT 155.93 587.30 Td (and ) Tj ET Q q 0 0 0 rg BT 172.00 587.30 Td (American ) Tj ET Q q 0 0 0 rg BT 213.53 587.30 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 255.06 587.30 Td (mer) Tj ET Q q 0 0 0 rg BT 270.42 587.30 Td (gers ) Tj ET Q q 0 0 0 rg BT 289.19 587.30 Td (\("bank ) Tj ET Q q 0 0 0 rg BT 318.14 587.30 Td (mer) Tj ET Q q 0 0 0 rg BT 333.51 587.30 Td (gers"\). ) Tj ET Q q 0 0 0 rg BT 362.18 587.30 Td (Our ) Tj ET Q q 0 0 0 rg BT 379.84 587.30 Td (management ) Tj ET Q q 0 0 0 rg BT 433.03 587.30 Td (uses ) Tj ET Q q 0 0 0 rg BT 452.36 587.30 Td (these ) Tj ET Q q 0 0 0 rg BT 475.01 587.30 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 520.19 587.30 Td ( ) Tj ET Q q 0 0 0 rg BT 522.30 587.30 Td (measures, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 575.30 Td (together ) Tj ET Q q 0 0 0 rg BT 84.23 575.30 Td (with ) Tj ET Q q 0 0 0 rg BT 103.97 575.30 Td (the ) Tj ET Q q 0 0 0 rg BT 118.15 575.30 Td (related ) Tj ET Q q 0 0 0 rg BT 147.31 575.30 Td (GAAP) Tj ET Q q 0 0 0 rg BT 174.17 575.30 Td ( ) Tj ET Q q 0 0 0 rg BT 176.13 575.30 Td (measures, ) Tj ET Q q 0 0 0 rg BT 217.80 575.30 Td (in ) Tj ET Q q 0 0 0 rg BT 227.54 575.30 Td (its ) Tj ET Q q 0 0 0 rg BT 238.95 575.30 Td (analysis ) Tj ET Q q 0 0 0 rg BT 273.13 575.30 Td (of ) Tj ET Q q 0 0 0 rg BT 283.43 575.30 Td (our ) Tj ET Q q 0 0 0 rg BT 298.72 575.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 351.20 575.30 Td (and ) Tj ET Q q 0 0 0 rg BT 367.61 575.30 Td (in ) Tj ET Q q 0 0 0 rg BT 377.35 575.30 Td (making ) Tj ET Q q 0 0 0 rg BT 409.30 575.30 Td (business ) Tj ET Q q 0 0 0 rg BT 445.16 575.30 Td (decisions. ) Tj ET Q q 0 0 0 rg BT 486.84 575.30 Td ( ) Tj ET Q q 0 0 0 rg BT 488.66 575.30 Td (The ) Tj ET Q q 0 0 0 rg BT 506.17 575.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 520.35 575.30 Td (equivalent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 563.30 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 95.70 563.30 Td (to ) Tj ET Q q 0 0 0 rg BT 105.79 563.30 Td (net ) Tj ET Q q 0 0 0 rg BT 120.32 563.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 152.06 563.30 Td (income ) Tj ET Q q 0 0 0 rg BT 183.81 563.30 Td (recognizes ) Tj ET Q q 0 0 0 rg BT 228.88 563.30 Td (the ) Tj ET Q q 0 0 0 rg BT 243.41 563.30 Td (income ) Tj ET Q q 0 0 0 rg BT 275.16 563.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 289.69 563.30 Td (savings ) Tj ET Q q 0 0 0 rg BT 322.00 563.30 Td (when ) Tj ET Q q 0 0 0 rg BT 345.97 563.30 Td (comparing ) Tj ET Q q 0 0 0 rg BT 391.05 563.30 Td (taxable ) Tj ET Q q 0 0 0 rg BT 422.24 563.30 Td (and ) Tj ET Q q 0 0 0 rg BT 438.99 563.30 Td (tax-exempt ) Tj ET Q q 0 0 0 rg BT 486.28 563.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 511.93 563.30 Td (and ) Tj ET Q q 0 0 0 rg BT 528.68 563.30 Td (assumes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 551.30 Td (a ) Tj ET Q q 0 0 0 rg BT 56.60 551.30 Td (35% ) Tj ET Q q 0 0 0 rg BT 77.59 551.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 92.47 551.30 Td (rate. ) Tj ET Q q 0 0 0 rg BT 112.61 551.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 167.47 551.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 202.90 551.30 Td (that ) Tj ET Q q 0 0 0 rg BT 220.55 551.30 Td (it ) Tj ET Q q 0 0 0 rg BT 228.77 551.30 Td (is ) Tj ET Q q 0 0 0 rg BT 238.10 551.30 Td (a ) Tj ET Q q 0 0 0 rg BT 245.20 551.30 Td (standard ) Tj ET Q q 0 0 0 rg BT 281.74 551.30 Td (practice ) Tj ET Q q 0 0 0 rg BT 316.04 551.30 Td (in ) Tj ET Q q 0 0 0 rg BT 326.47 551.30 Td (the ) Tj ET Q q 0 0 0 rg BT 341.35 551.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 376.23 551.30 Td (industry ) Tj ET Q q 0 0 0 rg BT 411.67 551.30 Td (to ) Tj ET Q q 0 0 0 rg BT 422.11 551.30 Td (present ) Tj ET Q q 0 0 0 rg BT 453.64 551.30 Td (net ) Tj ET Q q 0 0 0 rg BT 468.52 551.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 500.61 551.30 Td (income ) Tj ET Q q 0 0 0 rg BT 532.71 551.30 Td (and ) Tj ET Q q 0 0 0 rg BT 549.81 551.30 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 539.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.05 539.30 Td (mar) Tj ET Q q 0 0 0 rg BT 97.42 539.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 113.31 539.30 Td (on ) Tj ET Q q 0 0 0 rg BT 126.43 539.30 Td (a ) Tj ET Q q 0 0 0 rg BT 133.99 539.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 155.99 539.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 171.33 539.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 216.09 539.30 Td (basis, ) Tj ET Q q 0 0 0 rg BT 241.71 539.30 Td (and ) Tj ET Q q 0 0 0 rg BT 259.27 539.30 Td (accordingly ) Tj ET Q q 0 0 0 rg BT 309.59 539.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 345.47 539.30 Td (that ) Tj ET Q q 0 0 0 rg BT 363.58 539.30 Td (providing ) Tj ET Q q 0 0 0 rg BT 405.59 539.30 Td (these ) Tj ET Q q 0 0 0 rg BT 429.25 539.30 Td (measures ) Tj ET Q q 0 0 0 rg BT 469.58 539.30 Td (may ) Tj ET Q q 0 0 0 rg BT 489.91 539.30 Td (be ) Tj ET Q q 0 0 0 rg BT 502.47 539.30 Td (useful ) Tj ET Q q 0 0 0 rg BT 530.02 539.30 Td (for ) Tj ET Q q 0 0 0 rg BT 544.80 539.30 Td (peer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 527.30 Td (comparison ) Tj ET Q q 0 0 0 rg BT 98.38 527.30 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 138.65 527.30 Td (Management ) Tj ET Q q 0 0 0 rg BT 193.07 527.30 Td (also ) Tj ET Q q 0 0 0 rg BT 211.40 527.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 246.38 527.30 Td (that ) Tj ET Q q 0 0 0 rg BT 263.60 527.30 Td (presenting ) Tj ET Q q 0 0 0 rg BT 307.48 527.30 Td (net ) Tj ET Q q 0 0 0 rg BT 321.91 527.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 353.57 527.30 Td (mar) Tj ET Q q 0 0 0 rg BT 368.93 527.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 383.93 527.30 Td (on ) Tj ET Q q 0 0 0 rg BT 396.15 527.30 Td (a ) Tj ET Q q 0 0 0 rg BT 402.81 527.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 417.25 527.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 461.12 527.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 483.34 527.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 525.00 527.30 Td (the ) Tj ET Q q 0 0 0 rg BT 539.43 527.30 Td (ef) Tj ET Q q 0 0 0 rg BT 547.02 527.30 Td (fect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 515.30 Td (of ) Tj ET Q q 0 0 0 rg BT 60.44 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 75.26 515.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 121.74 515.30 Td (accounting ) Tj ET Q q 0 0 0 rg BT 168.22 515.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 204.71 515.30 Td (accretion ) Tj ET Q q 0 0 0 rg BT 243.96 515.30 Td (on ) Tj ET Q q 0 0 0 rg BT 256.56 515.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 280.28 515.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 317.31 515.30 Td (through ) Tj ET Q q 0 0 0 rg BT 351.02 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 365.84 515.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 387.88 515.30 Td (mer) Tj ET Q q 0 0 0 rg BT 403.25 515.30 Td (gers ) Tj ET Q q 0 0 0 rg BT 422.52 515.30 Td (is ) Tj ET Q q 0 0 0 rg BT 431.79 515.30 Td (useful ) Tj ET Q q 0 0 0 rg BT 458.83 515.30 Td (in ) Tj ET Q q 0 0 0 rg BT 469.22 515.30 Td (assessing ) Tj ET Q q 0 0 0 rg BT 509.04 515.30 Td (the ) Tj ET Q q 0 0 0 rg BT 523.87 515.30 Td (impact ) Tj ET Q q 0 0 0 rg BT 553.68 515.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 503.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 95.52 503.30 Td (accounting ) Tj ET Q q 0 0 0 rg BT 141.53 503.30 Td (on ) Tj ET Q q 0 0 0 rg BT 153.67 503.30 Td (net ) Tj ET Q q 0 0 0 rg BT 168.03 503.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 199.60 503.30 Td (mar) Tj ET Q q 0 0 0 rg BT 214.97 503.30 Td (gin, ) Tj ET Q q 0 0 0 rg BT 232.39 503.30 Td (as ) Tj ET Q q 0 0 0 rg BT 242.86 503.30 Td (the ) Tj ET Q q 0 0 0 rg BT 257.22 503.30 Td (ef) Tj ET Q q 0 0 0 rg BT 264.80 503.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 281.93 503.30 Td (of ) Tj ET Q q 0 0 0 rg BT 292.40 503.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 311.76 503.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 347.78 503.30 Td (accretion ) Tj ET Q q 0 0 0 rg BT 386.56 503.30 Td (is ) Tj ET Q q 0 0 0 rg BT 395.38 503.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 433.05 503.30 Td (to ) Tj ET Q q 0 0 0 rg BT 442.97 503.30 Td (decrease ) Tj ET Q q 0 0 0 rg BT 479.52 503.30 Td (as ) Tj ET Q q 0 0 0 rg BT 489.99 503.30 Td (the ) Tj ET Q q 0 0 0 rg BT 504.35 503.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 540.91 503.30 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 491.30 Td (mature ) Tj ET Q q 0 0 0 rg BT 80.49 491.30 Td (or ) Tj ET Q q 0 0 0 rg BT 92.05 491.30 Td (roll ) Tj ET Q q 0 0 0 rg BT 109.16 491.30 Td (of) Tj ET Q q 0 0 0 rg BT 117.31 491.30 Td (f ) Tj ET Q q 0 0 0 rg BT 123.87 491.30 Td (our ) Tj ET Q q 0 0 0 rg BT 140.43 491.30 Td (balance ) Tj ET Q q 0 0 0 rg BT 174.19 491.30 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 200.23 491.30 Td (These ) Tj ET Q q 0 0 0 rg BT 227.33 491.30 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 275.00 491.30 Td (should ) Tj ET Q q 0 0 0 rg BT 304.90 491.30 Td (not ) Tj ET Q q 0 0 0 rg BT 320.90 491.30 Td (be ) Tj ET Q q 0 0 0 rg BT 333.57 491.30 Td (viewed ) Tj ET Q q 0 0 0 rg BT 365.67 491.30 Td (as ) Tj ET Q q 0 0 0 rg BT 377.23 491.30 Td (substitutes ) Tj ET Q q 0 0 0 rg BT 422.68 491.30 Td (for ) Tj ET Q q 0 0 0 rg BT 437.57 491.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.02 491.30 Td (results ) Tj ET Q q 0 0 0 rg BT 482.35 491.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 530.56 491.30 Td (to ) Tj ET Q q 0 0 0 rg BT 541.57 491.30 Td (be ) Tj ET Q q 0 0 0 rg BT 554.23 491.30 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 479.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 96.59 479.30 Td (with ) Tj ET Q q 0 0 0 rg BT 116.49 479.30 Td (GAAP) Tj ET Q q 0 0 0 rg BT 142.61 479.30 Td (, ) Tj ET Q q 0 0 0 rg BT 147.23 479.30 Td (nor ) Tj ET Q q 0 0 0 rg BT 162.69 479.30 Td (are ) Tj ET Q q 0 0 0 rg BT 177.02 479.30 Td (they ) Tj ET Q q 0 0 0 rg BT 196.36 479.30 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 242.91 479.30 Td (comparable ) Tj ET Q q 0 0 0 rg BT 291.68 479.30 Td (to ) Tj ET Q q 0 0 0 rg BT 301.58 479.30 Td (non-GAAP) Tj ET Q q 0 0 0 rg BT 346.77 479.30 Td ( ) Tj ET Q q 0 0 0 rg BT 348.89 479.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 401.54 479.30 Td (measures ) Tj ET Q q 0 0 0 rg BT 440.88 479.30 Td (that ) Tj ET Q q 0 0 0 rg BT 458.00 479.30 Td (may ) Tj ET Q q 0 0 0 rg BT 477.34 479.30 Td (be ) Tj ET Q q 0 0 0 rg BT 488.90 479.30 Td (presented ) Tj ET Q q 0 0 0 rg BT 529.34 479.30 Td (by ) Tj ET Q q 0 0 0 rg BT 541.47 479.30 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 467.30 Td (companies. ) Tj ET Q q 0 0 0 rg BT 97.03 467.30 Td (Reconciliations ) Tj ET Q q 0 0 0 rg BT 161.50 467.30 Td (of ) Tj ET Q q 0 0 0 rg BT 172.10 467.30 Td (net ) Tj ET Q q 0 0 0 rg BT 186.59 467.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 218.29 467.30 Td (income ) Tj ET Q q 0 0 0 rg BT 249.99 467.30 Td (on ) Tj ET Q q 0 0 0 rg BT 262.25 467.30 Td (a ) Tj ET Q q 0 0 0 rg BT 268.96 467.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 290.11 467.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 304.60 467.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 348.52 467.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 370.78 467.30 Td (to ) Tj ET Q q 0 0 0 rg BT 380.83 467.30 Td (net ) Tj ET Q q 0 0 0 rg BT 395.31 467.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 427.01 467.30 Td (income ) Tj ET Q q 0 0 0 rg BT 458.71 467.30 Td (and ) Tj ET Q q 0 0 0 rg BT 475.42 467.30 Td (net ) Tj ET Q q 0 0 0 rg BT 489.90 467.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 521.60 467.30 Td (mar) Tj ET Q q 0 0 0 rg BT 536.97 467.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 552.01 467.30 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 455.30 Td (a ) Tj ET Q q 0 0 0 rg BT 55.91 455.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 76.77 455.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 90.95 455.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 134.57 455.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 156.54 455.30 Td (and ) Tj ET Q q 0 0 0 rg BT 172.95 455.30 Td (net ) Tj ET Q q 0 0 0 rg BT 187.14 455.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 218.54 455.30 Td (mar) Tj ET Q q 0 0 0 rg BT 233.91 455.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 248.66 455.30 Td (on ) Tj ET Q q 0 0 0 rg BT 260.63 455.30 Td (a ) Tj ET Q q 0 0 0 rg BT 267.04 455.30 Td (fully ) Tj ET Q q 0 0 0 rg BT 287.89 455.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 302.08 455.30 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 345.70 455.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 367.67 455.30 Td (excluding ) Tj ET Q q 0 0 0 rg BT 409.08 455.30 Td (the ) Tj ET Q q 0 0 0 rg BT 423.26 455.30 Td (ef) Tj ET Q q 0 0 0 rg BT 430.85 455.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 447.81 455.30 Td (of ) Tj ET Q q 0 0 0 rg BT 458.11 455.30 Td (the ) Tj ET Q q 0 0 0 rg BT 472.29 455.30 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 518.15 455.30 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 443.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 85.29 443.30 Td (accretion ) Tj ET Q q 0 0 0 rg BT 123.83 443.30 Td (on ) Tj ET Q q 0 0 0 rg BT 135.74 443.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 158.75 443.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 195.08 443.30 Td (through ) Tj ET Q q 0 0 0 rg BT 228.09 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 242.21 443.30 Td (bank ) Tj ET Q q 0 0 0 rg BT 263.55 443.30 Td (mer) Tj ET Q q 0 0 0 rg BT 278.92 443.30 Td (gers ) Tj ET Q q 0 0 0 rg BT 297.48 443.30 Td (to ) Tj ET Q q 0 0 0 rg BT 307.16 443.30 Td (net ) Tj ET Q q 0 0 0 rg BT 321.28 443.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 352.62 443.30 Td (mar) Tj ET Q q 0 0 0 rg BT 367.98 443.30 Td (gin ) Tj ET Q q 0 0 0 rg BT 382.67 443.30 Td (are ) Tj ET Q q 0 0 0 rg BT 396.78 443.30 Td (contained ) Tj ET Q q 0 0 0 rg BT 437.55 443.30 Td (in ) Tj ET Q q 0 0 0 rg BT 447.23 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 461.35 443.30 Td (tables ) Tj ET Q q 0 0 0 rg BT 486.58 443.30 Td (under ) Tj ET Q q 0 0 0 rg BT 511.25 443.30 Td (Net ) Tj ET Q q 0 0 0 rg BT 532.03 443.30 Td (Interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 431.30 Td (Income.) Tj ET Q endstream endobj 79 0 obj <> endobj 80 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (39) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.99 742.25 Td (Inter) Tj ET Q q 0 0 0 rg BT 88.47 742.25 Td (est ) Tj ET Q q 0 0 0 rg BT 102.63 742.25 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 103.66 718.25 Td (following ) Tj ET Q q 0 0 0 rg BT 145.16 718.25 Td (table ) Tj ET Q q 0 0 0 rg BT 167.21 718.25 Td (presents, ) Tj ET Q q 0 0 0 rg BT 205.09 718.25 Td (for ) Tj ET Q q 0 0 0 rg BT 219.36 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.20 718.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 266.25 718.25 Td (indicated, ) Tj ET Q q 0 0 0 rg BT 308.01 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 322.84 718.25 Td (total ) Tj ET Q q 0 0 0 rg BT 343.23 718.25 Td (dollar ) Tj ET Q q 0 0 0 rg BT 369.17 718.25 Td (amount ) Tj ET Q q 0 0 0 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207.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 459.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 459.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 459.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 459.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 459.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 459.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 459.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 459.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 459.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 459.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 439.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 439.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 439.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 439.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 439.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 439.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 439.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 439.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 439.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 439.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 439.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 419.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 419.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 419.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 419.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 419.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 419.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 419.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 419.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 419.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 419.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 419.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 399.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 399.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 399.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 399.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 399.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 399.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 399.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 399.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 399.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 399.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 399.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 379.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 379.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 379.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 379.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 379.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 379.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 379.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 379.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 379.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 379.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 379.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 359.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 359.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 359.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 359.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 359.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 359.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 359.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 359.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 359.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 359.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 359.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 339.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 339.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 339.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 339.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 339.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 339.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 339.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 339.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 339.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 339.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 339.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 319.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 319.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 319.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 319.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 319.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 319.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 319.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 319.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 319.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 319.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 319.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 299.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 299.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 299.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 299.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 299.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 299.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 299.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 299.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 299.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 299.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 299.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 279.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 279.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 279.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 279.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 279.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 279.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 279.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 279.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 279.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 279.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 279.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 257.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 257.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 257.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 257.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 257.75 39.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 257.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 257.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 257.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 257.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 257.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 257.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 237.75 157.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 237.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 237.75 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 237.75 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 237.75 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 237.75 30.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 217.75 157.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 217.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 217.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 217.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 217.75 39.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 217.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 217.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 217.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 217.75 38.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 217.75 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 217.75 30.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 185.75 157.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 211.00 185.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 185.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.00 185.75 30.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.00 185.75 39.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 372.00 185.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 410.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.00 185.75 30.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.00 185.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 185.75 38.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 185.75 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 185.75 30.00 -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 211 529.75 m 249 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 529.75 m 253 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 529.75 m 291 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 529.75 m 295 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 529.75 m 325 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325 529.75 m 329 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 529.75 m 368 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368 529.75 m 372 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 529.75 m 410 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 529.75 m 414 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 529.75 m 444 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 529.75 m 448 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 529.75 m 486 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 529.75 m 490 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 529.75 m 528 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 529.75 m 532 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 529.75 m 562 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 519.75 m 249 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 249 519.75 m 253 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 519.75 m 291 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291 519.75 m 295 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 519.75 m 325 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 529.75 m 368 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 519.75 m 368 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368 529.75 m 372 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368 519.75 m 372 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 529.75 m 410 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 519.75 m 410 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 529.75 m 414 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 410 519.75 m 414 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 529.75 m 444 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 519.75 m 444 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 529.75 m 486 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 519.75 m 486 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 529.75 m 490 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 519.75 m 490 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 529.75 m 528 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 519.75 m 528 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 529.75 m 532 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 519.75 m 532 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 529.75 m 562 529.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 519.75 m 562 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 519.75 m 486 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 519.75 m 528 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 519.75 m 562 519.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 499.75 m 249 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 499.75 m 291 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 499.75 m 325 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 499.75 m 368 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 499.75 m 410 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 499.75 m 444 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 499.75 m 486 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 499.75 m 528 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 499.75 m 562 499.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 419.75 m 249 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 419.75 m 291 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 419.75 m 368 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 419.75 m 410 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 419.75 m 486 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 419.75 m 528 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 419.75 m 291 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 419.75 m 368 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 419.75 m 410 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 419.75 m 486 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 419.75 m 528 419.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 399.75 m 249 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 399.75 m 368 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 399.75 m 486 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 399.75 m 249 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 390.75 m 249 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 388.75 m 249 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 399.75 m 368 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 390.75 m 368 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 388.75 m 368 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 399.75 m 486 399.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 390.75 m 486 390.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 388.75 m 486 388.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 319.75 m 249 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 319.75 m 291 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 319.75 m 368 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 319.75 m 410 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 319.75 m 486 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 319.75 m 528 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 319.75 m 291 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 309.75 m 291 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 319.75 m 410 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 309.75 m 410 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 319.75 m 528 319.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 309.75 m 528 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 309.75 m 291 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 309.75 m 410 309.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 279.75 m 249 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 279.75 m 368 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 279.75 m 486 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 279.75 m 249 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 270.75 m 249 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 211 268.75 m 249 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 279.75 m 368 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 270.75 m 368 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329 268.75 m 368 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 279.75 m 486 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 270.75 m 486 270.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448 268.75 m 486 268.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 247.75 m 291 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 247.75 m 410 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 247.75 m 528 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 247.75 m 291 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 238.75 m 291 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 236.75 m 291 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 247.75 m 410 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 238.75 m 410 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 372 236.75 m 410 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 247.75 m 528 247.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 238.75 m 528 238.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 236.75 m 528 236.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 228.75 m 325 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 226.75 m 325 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 228.75 m 444 228.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 226.75 m 444 226.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 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185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 185.75 m 444 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 200.75 m 562 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 202.75 m 562 202.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 185.75 m 562 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 185.75 m 325 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 163.75 m 325 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295 161.75 m 325 161.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 185.75 m 444 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 163.75 m 444 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414 161.75 m 444 161.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 185.75 m 562 185.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 163.75 m 562 163.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 161.75 m 562 161.75 l s BT /F2 6.00 Tf ET q 0 0 0 rg BT 52.50 533.19 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 352.75 533.19 Td (YearEndedDecember31,) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 523.09 Td (\(dollars in thousands\)) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 261.50 523.19 Td (2016) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 380.00 523.19 Td (2015) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 498.50 523.19 Td (2014) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 512.47 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 219.05 513.19 Td (Average) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 271.50 512.47 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 301.90 513.19 Td (Yield/) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 337.55 513.19 Td (Average) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 390.50 512.47 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 420.90 513.19 Td (Yield/) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 456.05 513.19 Td (Average) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 508.50 512.47 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 538.90 513.19 Td (Yield/) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 502.47 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 219.30 503.19 Td (Balance) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 261.55 503.19 Td (Interest) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 303.50 503.19 Td (Rate) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 337.80 503.19 Td (Balance) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 380.55 503.19 Td (Interest) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 422.50 503.19 Td (Rate) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 456.30 503.19 Td (Balance) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 498.55 503.19 Td (Interest) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 540.50 503.19 Td (Rate) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 52.50 493.19 Td (Interest Earning Assets:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 492.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 483.09 Td (Loans held for sale) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 227.00 483.09 Td (771,384) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 483.09 Td (26,450) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 483.09 Td (3.43) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 483.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 331.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 483.09 Td (740,975) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 483.09 Td (26,804) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 483.09 Td (3.62) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 483.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 450.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 483.09 Td (231,555) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 483.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 512.00 483.09 Td (8,676) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 483.09 Td (3.75) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 483.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 473.09 Td (Loans \(1\)\(2\)\(3\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 219.50 473.09 Td (10,489,352) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 473.09 Td (441,427) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 473.09 Td (4.21) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 473.09 Td (8,815,956) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 388.00 473.09 Td (377,520) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 473.09 Td (4.28) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 473.09 Td (6,511,293) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 506.00 473.09 Td (283,352) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 473.09 Td (4.35) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 463.09 Td (Loans exempt from federal income taxes \(4\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 227.00 463.09 Td (368,108) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 463.09 Td (17,109) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 463.09 Td (4.57) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 463.09 Td (331,323) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 463.09 Td (14,335) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 463.09 Td (4.27) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 463.09 Td (319,890) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 463.09 Td (13,880) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 463.09 Td (4.34) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 453.09 Td (Taxable investment securities) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 453.09 Td (1,576,836) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 453.09 Td (35,571) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 453.09 Td (2.26) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 453.09 Td (1,538,709) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 453.09 Td (39,299) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 453.09 Td (2.55) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 453.09 Td (1,549,954) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 453.09 Td (38,619) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 453.09 Td (2.49) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 443.09 Td (Investment securities exempt from federal income taxes \(4\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 443.09 Td (1,331,323) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 443.09 Td (64,649) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 443.09 Td (4.86) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 443.09 Td (1,282,909) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 443.09 Td (63,037) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 443.09 Td (4.91) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 443.09 Td (1,034,274) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 443.09 Td (53,524) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 443.09 Td (5.18) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 433.09 Td (Federal funds sold) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 240.50 433.09 Td (37) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 285.50 433.09 Td (0) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 433.09 Td (1.00) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 359.50 433.09 Td (70) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 404.50 433.09 Td (1) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 433.09 Td (0.99) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 470.00 433.09 Td (6,575) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 519.50 433.09 Td (25) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 433.09 Td (0.38) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 423.09 Td (Other interest bearing deposits) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 227.00 423.09 Td (106,075) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 279.50 423.09 Td (587) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 423.09 Td (0.55) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 423.09 Td (117,344) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.50 423.09 Td (318) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 423.09 Td (0.27) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 423.09 Td (270,578) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 516.50 423.09 Td (663) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 423.09 Td (0.25) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 413.09 Td (Total interest earning assets) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 219.50 413.09 Td (14,643,115) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 413.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 413.09 Td (585,793) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 413.09 Td (4.00) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.50 413.09 Td (12,827,286) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 413.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 388.00 413.09 Td (521,314) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 413.09 Td (4.06) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 413.09 Td (9,924,119) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 413.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 506.00 413.09 Td (398,739) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 413.09 Td (4.02) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 403.09 Td (Non-interest earning assets) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 403.09 Td (2,281,357) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 402.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 402.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 403.09 Td (2,000,598) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 402.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 402.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 403.09 Td (1,496,025) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 402.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 402.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 393.09 Td (Total assets) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.50 393.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 219.50 393.09 Td (16,924,472) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 392.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 392.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 331.50 393.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.50 393.09 Td (14,827,884) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 392.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 392.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 450.50 393.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 393.09 Td (11,420,144) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 392.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 392.51 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 52.50 383.19 Td (Interest Bearing Liabilities:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 382.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 382.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 373.09 Td (Deposits:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 372.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 372.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 58.50 363.09 Td (NOW and money market deposit) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 363.09 Td (4,185,129) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 275.00 363.09 Td (9,027) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 363.09 Td (0.22) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 363.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 331.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 363.09 Td (4,053,848) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 394.00 363.09 Td (7,060) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 363.09 Td (0.17) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 363.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 450.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 363.09 Td (3,291,808) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 363.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 512.00 363.09 Td (4,815) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 363.09 Td (0.15) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 363.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 58.50 353.09 Td (Savings deposit) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 353.09 Td (1,053,429) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 279.50 353.09 Td (837) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 353.09 Td (0.08) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 353.09 Td (962,221) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.50 353.09 Td (502) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 353.09 Td (0.05) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 353.09 Td (893,861) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 516.50 353.09 Td (453) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 353.09 Td (0.05) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 58.50 343.09 Td (Time deposits) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 343.09 Td (1,903,503) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 343.09 Td (15,715) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 343.09 Td (0.83) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 343.09 Td (1,769,979) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 343.09 Td (12,096) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 343.09 Td (0.68) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 343.09 Td (1,704,921) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 343.09 Td (11,759) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 343.09 Td (0.69) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 333.09 Td (Short-term borrowings) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 333.09 Td (1,131,560) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 275.00 333.09 Td (4,195) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 333.09 Td (0.37) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 333.09 Td (933,530) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 394.00 333.09 Td (1,412) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 333.09 Td (0.15) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 333.09 Td (404,305) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 516.50 333.09 Td (780) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 333.09 Td (0.19) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 323.09 Td (Long-term borrowings and junior subordinated notes) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 227.00 323.09 Td (589,559) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 275.00 323.09 Td (9,512) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 323.09 Td (1.59) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 323.09 Td (297,990) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 394.00 323.09 Td (7,558) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 323.09 Td (2.50) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 323.09 Td (251,483) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 512.00 323.09 Td (6,518) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 323.09 Td (2.56) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 313.09 Td (Total interest bearing liabilities) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 313.09 Td (8,863,180) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 313.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 313.09 Td (39,286) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 313.09 Td (0.44) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 313.09 Td (8,017,568) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 313.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 313.09 Td (28,628) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 313.09 Td (0.36) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 313.09 Td (6,546,378) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 313.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 313.09 Td (24,325) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 313.09 Td (0.37) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 303.09 Td (Non-interest bearing deposits) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 303.09 Td (5,351,197) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 302.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 302.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 303.09 Td (4,381,030) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 302.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 302.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 303.09 Td (3,029,464) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 302.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 302.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 293.09 Td (Other non-interest bearing liabilities) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 227.00 293.09 Td (433,202) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 292.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 292.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.00 293.09 Td (370,374) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 292.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 292.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 293.09 Td (249,702) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 292.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 292.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 52.50 283.09 Td (Stockholders equity) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 222.50 283.09 Td (2,276,893) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 282.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 282.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 341.50 283.09 Td (2,058,912) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 282.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 282.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 283.09 Td (1,594,600) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 282.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 282.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 273.09 Td (Total liabilities and stockholders equity) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 213.50 273.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 219.50 273.09 Td (16,924,472) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 272.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 272.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 331.50 273.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 338.50 273.09 Td (14,827,884) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 272.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 272.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 450.50 273.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 273.09 Td (11,420,144) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 272.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 272.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 261.59 Td (Net interest income/interest rate spread \(5\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 260.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 261.59 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 261.59 Td (546,507) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 261.59 Td (3.56) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 261.59 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 260.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 261.59 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 388.00 261.59 Td (492,686) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 261.59 Td (3.70) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 261.59 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 260.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 261.59 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 506.00 261.59 Td (374,414) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 261.59 Td (3.65) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 261.59 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 251.09 Td (Less: taxable equivalent adjustment) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 250.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 272.00 251.09 Td (28,616) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 250.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 250.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 391.00 251.09 Td (27,080) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 250.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 250.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 509.00 251.09 Td (23,591) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 250.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 241.09 Td (Net interest income, as reported) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 240.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 255.50 241.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 269.00 241.09 Td (517,891) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 321.50 240.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 240.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 374.50 241.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 388.00 241.09 Td (465,606) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 440.50 240.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 240.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 492.50 241.09 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 506.00 241.09 Td (350,823) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 240.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 231.09 Td (Net interest margin \(6\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 230.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 230.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 231.09 Td (3.54) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 231.09 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 230.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 230.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 231.09 Td (3.63) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 231.09 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 230.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 230.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 231.09 Td (3.54) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 231.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 221.09 Td (Tax equivalent effect) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 220.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 220.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 221.09 Td (0.19) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 221.09 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 220.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 220.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 221.09 Td (0.21) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 221.09 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 220.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 220.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 221.09 Td (0.23) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 221.09 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 205.59 Td (Net interest margin on a fully tax equivalent basis \(6\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 245.50 204.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 287.50 204.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 205.59 Td (3.73) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 205.59 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 364.50 204.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 406.50 204.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 205.59 Td (3.84) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 205.59 Td (%) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.50 204.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 204.51 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 205.59 Td (3.77) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 205.59 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 195.09 Td (Effect of acquisition accounting discount accretion on) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 189.09 Td (loans acquired through bank mergers) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.00 189.59 Td (\(0.21) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 317.50 189.59 Td (\)%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 424.00 189.59 Td (\(0.28) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 436.50 189.59 Td (\)%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 542.00 189.59 Td (\(0.18) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 554.50 189.59 Td (\)%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 178.59 Td (Net interest margin on a fully tax equivalent basis,) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 172.59 Td (excluding the effect of acquisition accounting discount) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 70.50 166.59 Td (accretion on loans acquired through bank mergers) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 307.00 166.59 Td (3.52) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 319.50 166.59 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 166.59 Td (3.56) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 438.50 166.59 Td (%) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 544.00 166.59 Td (3.59) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 556.50 166.59 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.00 Tf ET q 0 0 0 rg BT 49.50 156.05 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 148.85 Td (\(1\) Non-accrual loans are included in average loans.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 141.65 Td (\(2\) Interest income includes amortization of net deferred loan origination fees and costs.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 134.45 Td (\(3\) Loans held for sale are included in the average loan balance listed. Related interest income is included in loan interest income.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 127.25 Td (\(4\) Non-taxable loan and investment income is presented on a fully tax equivalent basis assuming a 35% tax rate.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 120.05 Td (\(5\) Interest rate spread represents the dif) Tj ET Q q 0 0 0 rg BT 173.35 120.05 Td (ference between the average yield on interest earning assets and the average cost of interest bearing liabilities and is presented on a fully tax equivalent basis.) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 67.50 112.85 Td (\(6\) Net interest mar) Tj ET Q q 0 0 0 rg BT 123.54 112.85 Td (gin represents net interest income as a percentage of average interest earning assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 88.85 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 88.85 Td (Net ) Tj ET Q q 0 0 0 rg BT 103.01 88.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.52 88.85 Td (income ) Tj ET Q q 0 0 0 rg BT 168.02 88.85 Td (and ) Tj ET Q q 0 0 0 rg BT 185.54 88.85 Td (net ) Tj ET Q q 0 0 0 rg BT 200.82 88.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 233.33 88.85 Td (mar) Tj ET Q q 0 0 0 rg BT 248.70 88.85 Td (gin ) Tj ET Q q 0 0 0 rg BT 264.55 88.85 Td (on ) Tj ET Q q 0 0 0 rg BT 277.62 88.85 Td (a ) Tj ET Q q 0 0 0 rg BT 285.13 88.85 Td (fully ) Tj ET Q q 0 0 0 rg BT 307.09 88.85 Td (tax ) Tj ET Q q 0 0 0 rg BT 322.38 88.85 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 367.10 88.85 Td (basis ) Tj ET Q q 0 0 0 rg BT 390.18 88.85 Td (were ) Tj ET Q q 0 0 0 rg BT 412.68 88.85 Td (impacted ) Tj ET Q q 0 0 0 rg BT 452.40 88.85 Td (by ) Tj ET Q q 0 0 0 rg BT 465.47 88.85 Td (the ) Tj ET Q q 0 0 0 rg BT 480.09 88.85 Td (American ) Tj ET Q q 0 0 0 rg BT 522.58 88.85 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 76.85 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 76.85 Td (ger ) Tj ET Q q 0 0 0 rg BT 79.77 76.85 Td (for ) Tj ET Q q 0 0 0 rg BT 93.57 76.85 Td (the ) Tj ET Q q 0 0 0 rg BT 107.92 76.85 Td (year ) Tj ET Q q 0 0 0 rg BT 127.26 76.85 Td (ended ) Tj ET Q q 0 0 0 rg BT 153.27 76.85 Td (December ) Tj ET Q q 0 0 0 rg BT 196.49 76.85 Td (31, ) Tj ET Q q 0 0 0 rg BT 211.13 76.85 Td (2016 ) Tj ET Q q 0 0 0 rg BT 233.26 76.85 Td (and ) Tj ET Q q 0 0 0 rg BT 249.84 76.85 Td (by ) Tj ET Q q 0 0 0 rg BT 261.97 76.85 Td (the ) Tj ET Q q 0 0 0 rg BT 276.17 76.85 Td (T) Tj ET Q q 0 0 0 rg BT 281.58 76.85 Td (aylor ) Tj ET Q q 0 0 0 rg BT 304.26 76.85 Td (Capital ) Tj ET Q q 0 0 0 rg BT 335.28 76.85 Td (mer) Tj ET Q q 0 0 0 rg BT 350.64 76.85 Td (ger ) Tj ET Q q 0 0 0 rg BT 365.55 76.85 Td (for ) Tj ET Q q 0 0 0 rg BT 379.34 76.85 Td (the ) Tj ET Q q 0 0 0 rg BT 393.70 76.85 Td (years ) Tj ET Q q 0 0 0 rg BT 416.93 76.85 Td (ended ) Tj ET Q q 0 0 0 rg BT 442.94 76.85 Td (December ) Tj ET Q q 0 0 0 rg BT 486.16 76.85 Td (31, ) Tj ET Q q 0 0 0 rg BT 500.80 76.85 Td (2016, ) Tj ET Q q 0 0 0 rg BT 525.43 76.85 Td (2015 ) Tj ET Q q 0 0 0 rg BT 547.57 76.85 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 64.85 Td (2014. ) Tj ET Q q 0 0 0 rg BT 74.86 64.85 Td ( ) Tj ET Q q 0 0 0 rg BT 77.10 64.85 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 117.17 64.85 Td (assets ) Tj ET Q q 0 0 0 rg BT 143.36 64.85 Td (and ) Tj ET Q q 0 0 0 rg BT 160.66 64.85 Td (assumed ) Tj ET Q q 0 0 0 rg BT 197.96 64.85 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 238.05 64.85 Td (were ) Tj ET Q q 0 0 0 rg BT 260.34 64.85 Td (recorded ) Tj ET Q q 0 0 0 rg BT 298.18 64.85 Td (at ) Tj ET Q q 0 0 0 rg BT 308.26 64.85 Td (fair ) Tj ET Q q 0 0 0 rg BT 325.00 64.85 Td (value ) Tj ET Q q 0 0 0 rg BT 349.52 64.85 Td (as ) Tj ET Q q 0 0 0 rg BT 360.71 64.85 Td (required ) Tj ET Q q 0 0 0 rg BT 396.89 64.85 Td (by ) Tj ET Q q 0 0 0 rg BT 409.75 64.85 Td (the ) Tj ET Q q 0 0 0 rg BT 424.83 64.85 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 471.58 64.85 Td (method ) Tj ET Q q 0 0 0 rg BT 504.44 64.85 Td (of ) Tj ET Q q 0 0 0 rg BT 515.63 64.85 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 564.51 64.85 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 52.85 Td (Fair ) Tj ET Q q 0 0 0 rg BT 67.74 52.85 Td (value ) Tj ET Q q 0 0 0 rg BT 91.52 52.85 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 141.42 52.85 Td (\(premiums ) Tj ET Q q 0 0 0 rg BT 186.88 52.85 Td (or ) Tj ET Q q 0 0 0 rg BT 197.34 52.85 Td (discounts\) ) Tj ET Q q 0 0 0 rg BT 240.57 52.85 Td (are ) Tj ET Q q 0 0 0 rg BT 254.91 52.85 Td (amortized ) Tj ET Q q 0 0 0 rg BT 297.02 52.85 Td (or ) Tj ET Q q 0 0 0 rg BT 307.48 52.85 Td (accreted ) Tj ET Q q 0 0 0 rg BT 342.91 52.85 Td (into ) Tj ET Q q 0 0 0 rg BT 360.59 52.85 Td (net ) Tj ET Q q 0 0 0 rg BT 374.94 52.85 Td (interest ) Tj ET Q q 0 0 0 rg BT 406.50 52.85 Td (income ) Tj ET Q q 0 0 0 rg BT 438.06 52.85 Td (over ) Tj ET Q q 0 0 0 rg BT 457.96 52.85 Td (the ) Tj ET Q q 0 0 0 rg BT 472.31 52.85 Td (remaining ) Tj ET Q q 0 0 0 rg BT 514.98 52.85 Td (terms ) Tj ET Q q 0 0 0 rg BT 539.32 52.85 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 52.85 Td (the ) Tj ET Q endstream endobj 81 0 obj <> endobj 82 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 79.67 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 112.06 742.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 145.01 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 171.31 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.71 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 221.11 742.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 254.06 742.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 296.74 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 299.49 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 318.00 742.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 357.60 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.90 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.08 742.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 430.92 742.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 477.76 742.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 514.61 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 527.57 742.10 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.11 730.10 Td (had ) Tj ET Q q 0 0 0 rg BT 90.05 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.76 730.10 Td (most ) Tj ET Q q 0 0 0 rg BT 126.71 730.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 171.42 730.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 201.14 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 213.64 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 228.35 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 260.29 730.10 Td (mar) Tj ET Q q 0 0 0 rg BT 275.65 730.10 Td (gin.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 706.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.96 706.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 135.42 706.10 Td (income ) Tj ET Q q 0 0 0 rg BT 167.87 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 180.89 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.35 706.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 210.26 706.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 225.50 706.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 270.17 706.10 Td (basis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.19 706.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.95 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.97 706.10 Td ($53.8 ) Tj ET Q q 0 0 0 rg BT 359.49 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.38 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.40 706.10 Td (during ) Tj ET Q q 0 0 0 rg BT 420.53 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.77 706.10 Td (year ) Tj ET Q q 0 0 0 rg BT 456.00 706.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.90 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 92.10 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.05 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.45 694.10 Td (year ) Tj ET Q q 0 0 0 rg BT 138.83 694.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.88 694.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 225.14 694.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.14 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 250.82 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.77 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 272.49 694.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 308.42 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.38 694.10 Td (net ) Tj ET Q q 0 0 0 rg BT 334.77 694.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 367.38 694.10 Td (income ) Tj ET Q q 0 0 0 rg BT 399.99 694.10 Td (was ) Tj ET Q q 0 0 0 rg BT 418.72 694.10 Td (due ) Tj ET Q q 0 0 0 rg BT 436.33 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 447.29 694.10 Td (or) Tj ET Q q 0 0 0 rg BT 455.44 694.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 480.27 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 500.66 694.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 532.17 694.10 Td (and ) 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 49.50 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.72 682.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 114.49 682.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 140.61 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.83 682.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 190.05 682.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 222.82 682.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 262.82 682.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 300.03 682.10 Td (through ) Tj ET Q q 0 0 0 rg BT 333.93 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.31 682.10 Td (American ) Tj ET Q q 0 0 0 rg BT 390.52 682.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 432.73 682.10 Td (mer) Tj ET Q q 0 0 0 rg BT 448.10 682.10 Td (ger) Tj ET Q q 0 0 0 rg BT 460.32 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 465.60 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 468.39 682.10 Td (In ) Tj ET Q q 0 0 0 rg BT 479.50 682.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 517.56 682.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.56 682.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (income ) Tj ET Q q 0 0 0 rg BT 80.94 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 90.72 670.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 112.72 670.10 Td (included ) Tj ET Q q 0 0 0 rg BT 149.15 670.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 180.59 670.10 Td (income ) Tj ET Q q 0 0 0 rg BT 212.02 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.36 670.10 Td ($28.8 ) Tj ET Q q 0 0 0 rg BT 246.86 670.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.75 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.75 670.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 314.75 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 336.19 670.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 374.83 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 385.16 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.38 670.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 445.27 670.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 491.14 670.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 527.03 670.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 61.88 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 85.36 658.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 122.17 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.32 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.92 658.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 168.73 658.10 Td (mer) Tj ET Q q 0 0 0 rg BT 184.10 658.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 203.14 658.10 Td (which ) Tj ET Q q 0 0 0 rg BT 229.95 658.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 270.09 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.68 658.10 Td (net ) Tj ET Q q 0 0 0 rg BT 299.28 658.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 331.09 658.10 Td (mar) Tj ET Q q 0 0 0 rg BT 346.45 658.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 361.61 658.10 Td (by ) Tj ET Q q 0 0 0 rg BT 373.99 658.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.12 658.10 Td (0.21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.95 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 464.83 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 467.04 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 484.96 658.10 Td (net ) Tj ET Q q 0 0 0 rg BT 499.56 658.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 531.37 658.10 Td (mar) Tj ET Q q 0 0 0 rg BT 546.74 658.10 Td (gin, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 91.81 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 104.69 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 112.01 646.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 133.78 646.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 148.88 646.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 193.41 646.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 218.79 646.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.22 646.10 Td (3.73%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.05 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 265.93 646.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.47 646.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.47 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.35 646.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.67 646.10 Td (3.84%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 349.38 646.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.92 646.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.92 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 389.30 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 392.19 646.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 436.17 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.27 646.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 498.03 646.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 544.78 646.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 85.98 634.10 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 127.72 634.10 Td (our ) Tj ET Q q 0 0 0 rg BT 143.64 634.10 Td (net ) Tj ET Q q 0 0 0 rg BT 158.46 634.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 190.48 634.10 Td (mar) Tj ET Q q 0 0 0 rg BT 205.85 634.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 221.22 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 233.82 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.85 634.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 262.33 634.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 277.15 634.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 321.39 634.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 343.99 634.10 Td (would ) Tj ET Q q 0 0 0 rg BT 371.58 634.10 Td (have ) Tj ET Q q 0 0 0 rg BT 393.05 634.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.53 634.10 Td (3.52%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.36 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 442.95 634.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.21 634.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.21 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.80 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.84 634.10 Td (3.56%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.67 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 525.26 634.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.52 634.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.52 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.52 634.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (This ) Tj ET Q q 0 0 0 rg BT 69.84 622.10 Td (four ) Tj ET Q q 0 0 0 rg BT 89.06 622.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 111.63 622.10 Td (point ) Tj ET Q q 0 0 0 rg BT 134.75 622.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 171.72 622.10 Td (was ) Tj ET Q q 0 0 0 rg BT 189.84 622.10 Td (mostly ) Tj ET Q q 0 0 0 rg BT 219.63 622.10 Td (due ) Tj ET Q q 0 0 0 rg BT 236.63 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 246.97 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 253.97 622.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 290.94 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.29 622.10 Td (average ) Tj ET Q q 0 0 0 rg BT 334.93 622.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 361.38 622.10 Td (earned ) Tj ET Q q 0 0 0 rg BT 390.59 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 403.15 622.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 449.60 622.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 489.92 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 506.92 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 518.92 622.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 554.24 622.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 68.11 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 78.94 610.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 114.22 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.16 610.10 Td (borrowings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 586.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.69 586.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 134.87 586.10 Td (income ) Tj ET Q q 0 0 0 rg BT 167.05 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 179.80 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 186.99 586.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 208.63 586.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 223.59 586.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 267.99 586.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 290.74 586.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 331.24 586.10 Td ($1) Tj ET Q q 0 0 0 rg BT 340.87 586.10 Td (18.3 ) Tj ET Q q 0 0 0 rg BT 361.12 586.10 Td (million ) Tj ET Q q 0 0 0 rg BT 392.76 586.10 Td (during ) Tj ET Q q 0 0 0 rg BT 421.62 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.58 586.10 Td (year ) Tj ET Q q 0 0 0 rg BT 456.54 586.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 483.17 586.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 586.10 Td (2015 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.15 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.16 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.60 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 135.03 574.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 161.14 574.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 219.45 574.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 244.17 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 246.24 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 264.01 574.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 298.99 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.00 574.10 Td (net ) Tj ET Q q 0 0 0 rg BT 323.44 574.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 355.10 574.10 Td (income ) Tj ET Q q 0 0 0 rg BT 386.76 574.10 Td (was ) Tj ET Q q 0 0 0 rg BT 404.54 574.10 Td (due ) Tj ET Q q 0 0 0 rg BT 421.20 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.21 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 437.87 574.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 457.60 574.10 Td (billion ) Tj ET Q q 0 0 0 rg BT 485.94 574.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 520.92 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 530.93 574.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 82.33 562.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 104.62 562.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 141.89 562.10 Td (\(primarily ) Tj ET Q q 0 0 0 rg BT 185.28 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 196.45 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 203.74 562.10 Td (result ) Tj ET Q q 0 0 0 rg BT 228.80 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.98 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.04 562.10 Td (full ) Tj ET Q q 0 0 0 rg BT 271.78 562.10 Td (year ) Tj ET Q q 0 0 0 rg BT 291.83 562.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 321.89 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 344.17 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 359.24 562.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 392.07 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 418.25 562.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 455.52 562.10 Td (through ) Tj ET Q q 0 0 0 rg BT 489.47 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.33 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 509.74 562.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 533.13 562.10 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 550.10 Td (ger\). ) Tj ET Q q 0 0 0 rg BT 84.84 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 86.22 550.10 Td (In ) Tj ET Q q 0 0 0 rg BT 95.93 550.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 132.58 550.10 Td (net ) Tj ET Q q 0 0 0 rg BT 146.17 550.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 176.98 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 207.79 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.95 550.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 238.32 550.10 Td (included ) Tj ET Q q 0 0 0 rg BT 274.13 550.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 304.94 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 335.75 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.46 550.10 Td ($33.6 ) Tj ET Q q 0 0 0 rg BT 369.34 550.10 Td (million ) Tj ET Q q 0 0 0 rg BT 399.61 550.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 435.98 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 456.79 550.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 494.81 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.52 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.11 550.10 Td (acquisition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 97.92 538.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 136.36 538.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 175.89 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 190.44 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 216.10 538.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 255.08 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.41 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.85 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 289.26 538.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 314.36 538.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 347.79 538.10 Td (mer) Tj ET Q q 0 0 0 rg BT 363.16 538.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 380.48 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 409.47 538.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 451.78 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.55 538.10 Td (net ) Tj ET Q q 0 0 0 rg BT 485.32 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 519.30 538.10 Td (mar) Tj ET Q q 0 0 0 rg BT 534.67 538.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 552.00 538.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 110.34 526.10 Td (0.28%. ) Tj ET Q q 0 0 0 rg BT 141.75 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.83 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 147.69 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 166.32 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 181.62 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 214.13 526.10 Td (mar) Tj ET Q q 0 0 0 rg BT 229.50 526.10 Td (gin, ) Tj ET Q q 0 0 0 rg BT 247.86 526.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 290.37 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 303.45 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 310.97 526.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 332.93 526.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 348.23 526.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 392.96 526.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 418.54 526.10 Td (was ) Tj ET Q q 0 0 0 rg BT 437.18 526.10 Td (3.84% ) Tj ET Q q 0 0 0 rg BT 466.09 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.83 526.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 503.91 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.43 526.10 Td (3.77% ) Tj ET Q q 0 0 0 rg BT 550.34 526.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 74.28 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.57 514.10 Td (Excluding ) Tj ET Q q 0 0 0 rg BT 119.95 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.45 514.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 180.62 514.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 226.77 514.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.27 514.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 282.44 514.10 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 323.86 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 339.48 514.10 Td (net ) Tj ET Q q 0 0 0 rg BT 353.98 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 385.69 514.10 Td (mar) Tj ET Q q 0 0 0 rg BT 401.06 514.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 416.12 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 428.40 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.12 514.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 456.29 514.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 470.79 514.10 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 514.72 514.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 537.01 514.10 Td (would ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (have ) Tj ET Q q 0 0 0 rg BT 70.88 502.10 Td (been ) Tj ET Q q 0 0 0 rg BT 92.25 502.10 Td (3.56% ) Tj ET Q q 0 0 0 rg BT 120.58 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 134.74 502.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 157.24 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.18 502.10 Td (3.59% ) Tj ET Q q 0 0 0 rg BT 202.51 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 216.67 502.10 Td (2014. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (V) Tj ET Q q 0 0 0 rg BT 55.80 478.10 Td (olume ) Tj ET Q q 0 0 0 rg BT 84.41 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.04 478.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 124.97 478.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 163.60 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.43 478.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 191.92 478.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 213.40 478.10 Td (est ) Tj ET Q q 0 0 0 rg BT 227.56 478.10 Td (Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.80 454.10 Td (following ) Tj ET Q q 0 0 0 rg BT 143.44 454.10 Td (table ) Tj ET Q q 0 0 0 rg BT 164.63 454.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 199.15 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 213.12 454.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 239.31 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.85 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 275.04 454.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 309.00 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 318.53 454.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 350.28 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.47 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 397.66 454.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 418.29 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.38 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 459.57 454.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 491.31 454.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 516.39 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.58 454.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 81.78 442.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 121.29 442.10 Td (have ) Tj ET Q q 0 0 0 rg BT 142.46 442.10 Td (af) Tj ET Q q 0 0 0 rg BT 150.04 442.10 Td (fected ) Tj ET Q q 0 0 0 rg BT 176.76 442.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.38 442.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 224.11 442.10 Td (income ) Tj ET Q q 0 0 0 rg BT 255.84 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 272.57 442.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 304.29 442.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 338.79 442.10 Td (during ) Tj ET Q q 0 0 0 rg BT 367.19 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.70 442.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 413.43 442.10 Td (indicated. ) Tj ET Q q 0 0 0 rg BT 457.38 442.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 507.43 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 516.39 442.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 554.23 442.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (each ) Tj ET Q q 0 0 0 rg BT 70.50 430.10 Td (category ) Tj ET Q q 0 0 0 rg BT 107.60 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 128.06 430.10 Td (respect ) Tj ET Q q 0 0 0 rg BT 159.05 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.51 430.10 Td (\(i\)changes ) Tj ET Q q 0 0 0 rg BT 216.33 430.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 264.55 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.01 430.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 309.90 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.35 430.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 353.03 430.10 Td (\(changes ) Tj ET Q q 0 0 0 rg BT 391.25 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.70 430.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 434.38 430.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 478.17 430.10 Td (by ) Tj ET Q q 0 0 0 rg BT 490.85 430.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 512.96 430.10 Td (period ) Tj ET Q q 0 0 0 rg BT 541.19 430.10 Td (rate\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (\(ii\)changes ) Tj ET Q q 0 0 0 rg BT 98.86 418.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 146.83 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.04 418.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 191.68 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 201.89 418.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 223.20 418.10 Td (\(changes ) Tj ET Q q 0 0 0 rg BT 261.17 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 271.38 418.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 292.69 418.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 336.23 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 348.67 418.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 370.54 418.10 Td (period ) Tj ET Q q 0 0 0 rg BT 398.52 418.10 Td (volume\) ) Tj ET Q q 0 0 0 rg BT 434.28 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.15 418.10 Td (\(iii\)change ) Tj ET Q q 0 0 0 rg BT 499.39 418.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 547.36 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.57 418.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 103.15 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 115.15 406.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 151.02 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.46 406.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 181.11 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.22 406.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 232.88 406.10 Td (\(change ) Tj ET Q q 0 0 0 rg BT 268.19 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.63 406.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 302.17 406.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 346.94 406.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.61 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.49 406.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 412.36 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 423.80 406.10 Td (volume\) ) Tj ET Q q 0 0 0 rg BT 460.79 406.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 475.57 406.10 Td (thousands\). ) Tj ET Q q 0 0 0 rg BT 527.56 406.10 Td (Changes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 97.34 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.42 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.94 394.10 Td (combined ) Tj ET Q q 0 0 0 rg BT 163.67 394.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 193.18 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.82 394.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 236.11 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.85 394.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 270.14 394.10 Td (have ) Tj ET Q q 0 0 0 rg BT 291.32 394.10 Td (been ) Tj ET Q q 0 0 0 rg BT 312.49 394.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 350.88 394.10 Td (proportionately ) Tj ET Q q 0 0 0 rg BT 414.84 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 424.92 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.43 394.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 473.94 394.10 Td (due ) Tj ET Q q 0 0 0 rg BT 490.68 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 500.76 394.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 533.06 394.10 Td (and ) 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 49.50 382.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 84.21 382.10 Td (due ) Tj ET Q q 0 0 0 rg BT 101.15 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.42 382.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 128.91 382.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 142.52 382.10 Td (thousands\).) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 319.60 224.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 319.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 291.60 224.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 291.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 291.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 263.60 224.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 263.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 263.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 235.60 224.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 326.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 374.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 235.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 235.60 44.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 207.60 224.00 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[] 0 d 0 J 0 j 3 M 518 347.6 m 562 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 319.6 m 322 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 319.6 m 370 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 319.6 m 418 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422 319.6 m 466 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 319.6 m 514 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 319.6 m 562 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 278 207.60000000000002 m 322 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 326 207.60000000000002 m 370 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 374 207.60000000000002 m 418 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422 207.60000000000002 m 466 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 207.60000000000002 m 514 207.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 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0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 68.60000000000002 m 514 68.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470 66.60000000000002 m 514 66.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 81.60000000000002 m 562 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 68.60000000000002 m 562 68.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 66.60000000000002 m 562 66.60000000000002 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 362.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.20 363.68 Td (YearEndedDecember31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 307.00 351.68 Td (2016Compar) Tj ET Q q 0 0 0 rg BT 353.30 351.68 Td (edto2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 451.00 351.68 Td (2015Compar) Tj ET Q q 0 0 0 rg BT 497.30 351.68 Td (edto2014) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 322.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.35 339.68 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.25 331.68 Td (Dueto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 286.50 323.68 Td (V) Tj ET Q q 0 0 0 rg BT 291.54 323.68 Td (olume) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 334.35 339.68 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.25 331.68 Td (Dueto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 339.50 323.68 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.75 331.83 Td (T) Tj ET Q q 0 0 0 rg BT 391.35 331.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 382.35 323.83 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.35 339.68 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.25 331.68 Td (Dueto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.50 323.68 Td (V) Tj ET Q q 0 0 0 rg BT 435.54 323.68 Td (olume) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 478.35 339.68 Td (Change) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 480.25 331.68 Td (Dueto) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 483.50 323.68 Td (Rate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 530.75 331.83 Td (T) Tj ET Q q 0 0 0 rg BT 535.35 331.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.35 323.83 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 310.05 Td (Interest Earning Assets:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 310.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 366.50 310.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 310.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 310.05 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.50 310.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 310.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 296.06 Td (Loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 296.06 Td (1,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 296.06 Td (\(1,429) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 296.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.00 296.06 Td (\(354) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 296.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 296.06 Td (18,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 296.06 Td (\(310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 296.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 296.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 296.06 Td (18,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 282.06 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 282.06 Td (70,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 282.06 Td (\(6,617) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 282.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 282.06 Td (63,907) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 282.06 Td (98,762) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 282.06 Td (\(4,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 282.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.75 282.06 Td (94,168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 268.06 Td (Loans exempt from federal income taxes ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 201.94 272.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 268.06 Td (1,664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 268.06 Td (1,110) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 268.06 Td (2,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 268.06 Td (493) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 498.50 268.06 Td (\(38) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 268.06 Td (455) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 254.06 Td (Taxable investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 254.06 Td (954) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 254.06 Td (\(4,682) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 254.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 254.06 Td (\(3,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 254.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 254.06 Td (\(282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 254.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 254.06 Td (962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 254.06 Td (680) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 240.06 Td (Investment securities exempt from federal income taxes ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 256.17 244.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 240.06 Td (2,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 350.00 240.06 Td (\(746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 240.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 240.06 Td (1,612) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.75 240.06 Td (12,330) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 240.06 Td (\(2,817) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 240.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 240.06 Td (9,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 226.06 Td (Federal funds sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.00 226.06 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 226.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 357.50 226.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 226.06 Td (\(1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 226.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.50 226.06 Td (\(43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 226.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 226.06 Td (19) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.50 226.06 Td (\(24) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 226.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 212.06 Td (Other interest bearing deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 306.50 212.06 Td (\(33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.50 212.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 212.06 Td (302) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 212.06 Td (269) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.00 212.06 Td (\(409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.50 212.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 212.06 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.00 212.06 Td (\(345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 212.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 198.06 Td (Total increase \(decrease\) in interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 198.06 Td (76,541) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 198.06 Td (\(12,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 198.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 198.06 Td (64,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 198.06 Td (129,289) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 198.06 Td (\(6,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 198.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 198.06 Td (122,575) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 184.05 Td (Interest Bearing Liabilities:) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 184.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 184.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 184.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 184.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 184.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 184.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 170.06 Td (Deposits) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 318.50 170.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 170.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 170.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 170.05 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 170.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 558.50 170.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 156.06 Td (NOW and money market deposit accounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 156.06 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 156.06 Td (1,732) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 156.06 Td (1,967) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 156.06 Td (1,231) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.25 156.06 Td (1,014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 156.06 Td (2,245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 142.06 Td (Savings deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.50 142.06 Td (51) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 353.00 142.06 Td (284) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.00 142.06 Td (335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.50 142.06 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 501.50 142.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.50 142.06 Td (49) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 128.06 Td (Time deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 128.06 Td (963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 128.06 Td (2,656) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 128.06 Td (3,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 128.06 Td (446) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 128.06 Td (\(109) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 128.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 128.06 Td (337) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 114.06 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 114.06 Td (355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 114.06 Td (2,428) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 114.06 Td (2,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 449.00 114.06 Td (831) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 114.06 Td (\(199) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 114.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.00 114.06 Td (632) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 100.06 Td (Long-term borrowings and junior subordinated notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 100.06 Td (5,433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.25 100.06 Td (\(3,479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 100.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 100.06 Td (1,954) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 100.06 Td (1,183) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 100.06 Td (\(143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 100.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 100.06 Td (1,040) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 86.06 Td (Total increase \(decrease\) in interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.25 86.06 Td (7,037) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 346.25 86.06 Td (3,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 86.06 Td (10,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.25 86.06 Td (3,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 86.06 Td (576) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.25 86.06 Td (4,303) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 72.06 Td (Total increase \(decrease\) in net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 280.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 293.75 72.06 Td (69,504) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.75 72.06 Td (\(15,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 366.50 72.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 72.06 Td (53,821) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.25 72.06 Td (125,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.25 72.06 Td (\(7,290) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.50 72.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 520.50 72.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.25 72.06 Td (118,272) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 52.98 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.32 48.90 Td (Non-taxable loan and investment income is presented on a fully tax equivalent basis assuming a 35% rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.96 48.90 Td () Tj ET Q endstream endobj 83 0 obj <> endobj 84 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (41) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 90.98 742.25 Td (est Income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 103.55 718.25 Td (following ) Tj ET Q q 0 0 0 rg BT 144.93 718.25 Td (table ) Tj ET Q q 0 0 0 rg BT 166.87 718.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 202.14 718.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 252.40 718.25 Td (income ) Tj ET Q q 0 0 0 rg BT 284.33 718.25 Td (for ) Tj ET Q q 0 0 0 rg BT 298.49 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.21 718.25 Td (years ) Tj ET Q q 0 0 0 rg BT 336.81 718.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.19 718.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 421.77 718.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.77 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 444.27 718.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.21 718.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.21 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 483.71 718.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 497.32 718.25 Td (thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 669.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 669.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 669.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 669.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 669.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 669.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 669.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 669.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 669.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 641.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 641.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 613.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 613.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 585.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 585.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 585.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 585.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 585.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 585.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 585.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 585.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 585.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 557.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 557.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 557.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 557.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 557.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 557.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 529.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 529.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 529.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 529.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 529.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 529.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 529.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 529.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 529.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 501.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 501.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 501.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 501.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 501.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 501.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 501.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 501.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 501.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.25 473.75 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.25 473.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.25 473.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.25 473.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 354.25 473.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.25 473.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.25 473.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.25 473.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.25 473.75 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 286.25 693.75 m 350.25 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350.25 693.75 m 354.25 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 693.75 m 418.25 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.25 693.75 m 350.25 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.25 669.75 m 350.25 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 693.75 m 418.25 693.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 669.75 m 418.25 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 669.75 m 486.25 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.25 669.75 m 561.25 669.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.25 473.75 m 350.25 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.25 460.75 m 350.25 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.25 458.75 m 350.25 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 473.75 m 418.25 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 460.75 m 418.25 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 354.25 458.75 m 418.25 458.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 473.75 m 486.25 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 460.75 m 486.25 460.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.25 458.75 m 486.25 458.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 698.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.20 698.20 Td (YearEnded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.75 698.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.75 698.21 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 674.42 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 291.55 683.20 Td (December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.75 674.20 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 359.55 683.20 Td (December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 376.75 674.20 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 436.30 683.20 Td (Incr) Tj ET Q q 0 0 0 rg BT 452.63 683.20 Td (ease/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.55 674.20 Td (\(Decr) Tj ET Q q 0 0 0 rg BT 454.87 674.20 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.05 683.20 Td (Per) Tj ET Q q 0 0 0 rg BT 517.37 683.20 Td (centage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.45 674.20 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 660.32 Td (Non-interest income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.75 660.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 660.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 660.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.75 660.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 646.32 Td (Mortgage banking revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.75 646.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.90 646.32 Td (148,469) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 646.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 646.32 Td (117,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 646.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.90 646.32 Td (31,043) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 646.32 Td (26.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 646.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 632.32 Td (Lease financing, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 632.32 Td (73,486) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 632.32 Td (76,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.55 632.37 Td (\(3,095) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 632.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.55 632.37 Td (\(4.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 632.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 618.32 Td (Commercial deposit and treasury management fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 618.32 Td (50,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 618.32 Td (45,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 618.32 Td (5,337) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 618.32 Td (11.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 604.32 Td (Trust and asset management fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 604.32 Td (32,872) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 604.32 Td (23,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 604.32 Td (9,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 604.32 Td (39.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 590.32 Td (Card fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 590.32 Td (16,071) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 590.32 Td (15,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 590.32 Td (749) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 590.32 Td (4.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 576.32 Td (Capital markets and international banking fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 576.32 Td (13,332) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 576.32 Td (8,148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 576.32 Td (5,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 576.32 Td (63.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 562.32 Td (Consumer and other deposit service fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 562.32 Td (13,308) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.90 562.32 Td (13,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.40 562.32 Td (26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.90 562.32 Td (0.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 548.32 Td (Brokerage fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 548.32 Td (4,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 548.32 Td (5,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.55 548.37 Td (\(1,100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 548.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.55 548.37 Td (\(19.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 548.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 534.32 Td (Loan service fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 534.32 Td (7,457) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 534.32 Td (6,259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 534.32 Td (1,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 534.32 Td (19.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 520.32 Td (Increase in cash surrender value of life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.90 520.32 Td (4,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 520.32 Td (3,391) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 520.32 Td (684) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 520.32 Td (20.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 506.32 Td (Net gain \(loss\) on investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.40 506.32 Td (447) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.05 506.37 Td (\(176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 506.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.40 506.32 Td (623) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.55 506.37 Td (\(354.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 506.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 492.32 Td (Net loss on disposal of other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.05 492.37 Td (\(794) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.40 492.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.05 492.37 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.40 492.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.05 492.37 Td (\(792) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.40 492.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.15 492.32 Td ( NM) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 478.32 Td (Other operating income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.90 478.32 Td (10,906) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.90 478.32 Td (7,280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.90 478.32 Td (3,626) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 478.32 Td (49.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 51.75 464.32 Td (Total non-interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.75 464.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.90 464.32 Td (374,903) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.75 464.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.90 464.32 Td (322,093) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.75 464.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.90 464.32 Td (52,810) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 464.32 Td (16.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.40 464.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.25 Td (NM - not meaningful) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 424.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 137.90 424.25 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.76 424.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.51 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 209.93 424.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.35 424.25 Td ($52.8 ) Tj ET Q q 0 0 0 rg BT 247.27 424.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.16 424.25 Td (, ) Tj ET Q q 0 0 0 rg BT 281.08 424.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.82 424.25 Td (16.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 424.25 Td (, ) Tj ET Q q 0 0 0 rg BT 322.57 424.25 Td (for ) Tj ET Q q 0 0 0 rg BT 336.65 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 351.29 424.25 Td (year ) Tj ET Q q 0 0 0 rg BT 370.91 424.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.21 424.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 455.71 424.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.71 424.25 Td ( ) Tj ET Q q 0 0 0 rg BT 478.13 424.25 Td (compared ) Tj ET Q q 0 0 0 rg BT 519.97 424.25 Td (to ) Tj ET Q q 0 0 0 rg BT 530.17 424.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 424.25 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.88 412.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.46 412.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.46 412.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 388.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 388.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 126.88 388.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 161.59 388.25 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.74 388.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.49 388.25 Td ( ) Tj ET Q q 0 0 0 rg BT 235.99 388.25 Td (due ) Tj ET Q q 0 0 0 rg BT 252.93 388.25 Td (to ) Tj ET Q q 0 0 0 rg BT 263.21 388.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 291.26 388.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 310.97 388.25 Td (on ) Tj ET Q q 0 0 0 rg BT 323.47 388.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 341.52 388.25 Td (mar) Tj ET Q q 0 0 0 rg BT 356.89 388.25 Td (gin ) Tj ET Q q 0 0 0 rg BT 372.17 388.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.10 388.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 417.15 388.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 457.41 388.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 496.57 388.25 Td (fees) Tj ET Q BT /F1 10.00 Tf ET 1 1 1 rg /GS0 gs 512.67 395.18 2.50 -9.09 re f /GS0 gs q 0 0 0 rg BT 512.67 388.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 376.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 376.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 119.05 376.25 Td (revenues ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.48 376.25 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.89 376.25 Td ( ) Tj ET Q q 0 0 0 rg BT 197.79 376.25 Td (due ) Tj ET Q q 0 0 0 rg BT 214.12 376.25 Td (to ) Tj ET Q q 0 0 0 rg BT 223.79 376.25 Td (lower ) Tj ET Q q 0 0 0 rg BT 248.45 376.25 Td (residual ) Tj ET Q q 0 0 0 rg BT 282.00 376.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 305.00 376.25 Td (partly ) Tj ET Q q 0 0 0 rg BT 330.22 376.25 Td (of) Tj ET Q q 0 0 0 rg BT 338.37 376.25 Td (fset ) Tj ET Q q 0 0 0 rg BT 354.70 376.25 Td (by ) Tj ET Q q 0 0 0 rg BT 366.60 376.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 394.04 376.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 412.03 376.25 Td (from ) Tj ET Q q 0 0 0 rg BT 433.36 376.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.47 376.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 464.91 376.25 Td (of ) Tj ET Q q 0 0 0 rg BT 475.14 376.25 Td (third-party ) Tj ET Q q 0 0 0 rg BT 519.79 376.25 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 364.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 138.53 364.25 Td (contracts.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 352.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 352.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 138.51 352.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 170.97 352.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.98 352.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 224.77 352.25 Td (management ) Tj ET Q q 0 0 0 rg BT 279.43 352.25 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.11 352.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.86 352.25 Td ( ) Tj ET Q q 0 0 0 rg BT 340.44 352.25 Td (due ) Tj ET Q q 0 0 0 rg BT 358.45 352.25 Td (to ) Tj ET Q q 0 0 0 rg BT 369.81 352.25 Td (new ) Tj ET Q q 0 0 0 rg BT 390.05 352.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 430.28 352.25 Td (activity ) Tj ET Q q 0 0 0 rg BT 463.84 352.25 Td (as ) Tj ET Q q 0 0 0 rg BT 475.75 352.25 Td (well ) Tj ET Q q 0 0 0 rg BT 496.54 352.25 Td (as ) Tj ET Q q 0 0 0 rg BT 508.45 352.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 352.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 340.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 124.66 340.25 Td (base ) Tj ET Q q 0 0 0 rg BT 144.92 340.25 Td (as ) Tj ET Q q 0 0 0 rg BT 155.75 340.25 Td (a ) Tj ET Q q 0 0 0 rg BT 162.69 340.25 Td (result ) Tj ET Q q 0 0 0 rg BT 187.41 340.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.24 340.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.40 340.25 Td (American ) Tj ET Q q 0 0 0 rg BT 254.33 340.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 296.25 340.25 Td (mer) Tj ET Q q 0 0 0 rg BT 311.62 340.25 Td (ger) Tj ET Q q 0 0 0 rg BT 323.83 340.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 328.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 328.25 Td (T) Tj ET Q q 0 0 0 rg BT 91.26 328.25 Td (rust ) Tj ET Q q 0 0 0 rg BT 108.80 328.25 Td (and ) Tj ET Q q 0 0 0 rg BT 125.78 328.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 147.76 328.25 Td (management ) Tj ET Q q 0 0 0 rg BT 201.39 328.25 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.04 328.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.79 328.25 Td ( ) Tj ET Q q 0 0 0 rg BT 260.33 328.25 Td (due ) Tj ET Q q 0 0 0 rg BT 277.31 328.25 Td (to ) Tj ET Q q 0 0 0 rg BT 287.64 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.40 328.25 Td (addition ) Tj ET Q q 0 0 0 rg BT 337.71 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 348.58 328.25 Td (new ) Tj ET Q q 0 0 0 rg BT 367.79 328.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 410.88 328.25 Td (as ) Tj ET Q q 0 0 0 rg BT 421.75 328.25 Td (well ) Tj ET Q q 0 0 0 rg BT 441.51 328.25 Td (as ) Tj ET Q q 0 0 0 rg BT 452.38 328.25 Td (the ) Tj ET Q q 0 0 0 rg BT 467.14 328.25 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 517.46 328.25 Td (of ) Tj ET Q q 0 0 0 rg BT 528.33 328.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 549.46 328.25 Td ( ) Tj ET Q q 0 0 0 rg BT 552.00 328.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 316.25 Td (December ) Tj ET Q q 0 0 0 rg BT 128.98 316.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 143.88 316.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 166.28 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.12 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 197.74 316.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 228.47 316.25 Td (court-appointed ) Tj ET Q q 0 0 0 rg BT 294.18 316.25 Td (guardianship ) Tj ET Q q 0 0 0 rg BT 348.24 316.25 Td (and ) Tj ET Q q 0 0 0 rg BT 365.08 316.25 Td (special ) Tj ET Q q 0 0 0 rg BT 395.24 316.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 420.41 316.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 440.59 316.25 Td (business ) Tj ET Q q 0 0 0 rg BT 476.88 316.25 Td (in ) Tj ET Q q 0 0 0 rg BT 487.06 316.25 Td (the ) Tj ET Q q 0 0 0 rg BT 501.67 316.25 Td (third ) Tj ET Q q 0 0 0 rg BT 522.96 316.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 553.68 316.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 304.25 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 292.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 292.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 117.29 292.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 151.85 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 169.19 292.25 Td (international ) Tj ET Q q 0 0 0 rg BT 222.63 292.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 257.76 292.25 Td (services ) Tj ET Q q 0 0 0 rg BT 292.87 292.25 Td (fees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.87 292.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.63 292.25 Td ( ) Tj ET Q q 0 0 0 rg BT 352.53 292.25 Td (due ) Tj ET Q q 0 0 0 rg BT 369.88 292.25 Td (to ) Tj ET Q q 0 0 0 rg BT 380.56 292.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 409.01 292.25 Td (swap, ) Tj ET Q q 0 0 0 rg BT 434.97 292.25 Td (M&A) Tj ET Q q 0 0 0 rg BT 458.31 292.25 Td ( ) Tj ET Q q 0 0 0 rg BT 461.21 292.25 Td (advisory ) Tj ET Q q 0 0 0 rg BT 498.56 292.25 Td (and ) Tj ET Q q 0 0 0 rg BT 515.90 292.25 Td (syndication ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 280.25 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 268.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 268.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 110.77 268.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 151.03 268.25 Td (income ) Tj ET Q q 0 0 0 rg BT 182.97 268.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 223.22 268.25 Td (due ) Tj ET Q q 0 0 0 rg BT 240.16 268.25 Td (to ) Tj ET Q q 0 0 0 rg BT 250.44 268.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 278.48 268.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 314.86 268.25 Td (from ) Tj ET Q q 0 0 0 rg BT 336.80 268.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 387.07 268.25 Td (in ) Tj ET Q q 0 0 0 rg BT 397.35 268.25 Td (Small ) Tj ET Q q 0 0 0 rg BT 423.19 268.25 Td (Business ) Tj ET Q q 0 0 0 rg BT 461.25 268.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 508.18 268.25 Td (Companies.) Tj ET Q endstream endobj 85 0 obj <> endobj 86 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.55 730.10 Td (following ) Tj ET Q q 0 0 0 rg BT 144.93 730.10 Td (table ) Tj ET Q q 0 0 0 rg BT 166.87 730.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 202.14 730.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 252.40 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 284.33 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.49 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.21 730.10 Td (years ) Tj ET Q q 0 0 0 rg BT 336.81 730.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.19 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 421.77 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.77 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 444.27 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.21 730.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.21 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 483.71 730.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 497.32 730.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 687.60 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 687.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 687.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 687.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 687.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 659.60 233.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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0.9333333333333333 1 rg /GS0 gs 283.00 491.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 491.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.00 491.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.00 491.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.00 491.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.00 491.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.00 491.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.00 491.60 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 287 707.6 m 351 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 351 707.6 m 355 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 707.6 m 419 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 687.6 m 351 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 687.6 m 419 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 687.6 m 487 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491 687.6 m 562 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 477.6 m 351 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 464.6 m 351 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 462.6 m 351 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 477.6 m 419 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 464.6 m 419 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355 462.6 m 419 462.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 477.6 m 487 477.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 464.6 m 487 464.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423 462.6 m 487 462.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 710.86 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 329.95 711.00 Td (YearEnded) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.50 710.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 493.50 710.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 692.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.30 699.00 Td (December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 309.50 690.05 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.30 699.00 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.50 690.05 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.05 699.00 Td (Incr) Tj ET Q q 0 0 0 rg BT 453.38 699.00 Td (ease/) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.30 690.05 Td (\(Decr) Tj ET Q q 0 0 0 rg BT 455.62 690.05 Td (ease\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 504.80 699.00 Td (Per) Tj ET Q q 0 0 0 rg BT 518.12 699.00 Td (centage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.20 690.05 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 678.17 Td (Non-interest income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.50 678.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 678.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 678.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.50 678.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 664.17 Td (Mortgage banking revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.50 664.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 664.17 Td (117,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 664.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 664.17 Td (46,149) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 664.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 664.17 Td (71,277) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 664.17 Td (154.4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 664.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 650.17 Td (Lease financing, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 650.17 Td (76,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 650.17 Td (64,310) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 650.17 Td (12,271) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 650.17 Td (19.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 636.17 Td (Commercial deposit and treasury management fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 636.17 Td (45,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 636.17 Td (34,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.65 636.17 Td (10,968) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 636.17 Td (32.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 622.17 Td (Trust and asset management fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 622.17 Td (23,545) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 622.17 Td (21,839) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 622.17 Td (1,706) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 622.17 Td (7.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 608.17 Td (Card fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 608.17 Td (15,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 608.17 Td (13,741) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 608.17 Td (1,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 608.17 Td (11.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 594.17 Td (Capital markets and international banking fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 594.17 Td (8,148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 594.17 Td (5,458) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 594.17 Td (2,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 594.17 Td (49.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 580.17 Td (Consumer and other deposit service fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.65 580.17 Td (13,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 580.17 Td (12,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 580.17 Td (494) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 580.17 Td (3.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 566.17 Td (Brokerage fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 566.17 Td (5,754) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 566.17 Td (5,176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 566.17 Td (578) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 566.17 Td (11.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 552.17 Td (Loan service fees) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 552.17 Td (6,259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 552.17 Td (4,814) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 552.17 Td (1,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 552.17 Td (30.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 538.17 Td (Increase in cash surrender value of life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 538.17 Td (3,391) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 538.17 Td (3,381) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 538.17 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 538.17 Td (0.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 524.17 Td (Net loss on investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.80 524.22 Td (\(176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 524.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.30 524.22 Td (\(2,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 524.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 524.17 Td (2,349) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 524.22 Td (\(93.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 524.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 510.17 Td (Net \(loss\) gain on disposal of other assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.80 510.22 Td (\(2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.15 510.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 510.17 Td (3,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.30 510.22 Td (\(3,454) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.15 510.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 510.22 Td (\(100.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 510.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 496.17 Td (Gain on extinguishment of debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.15 496.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 496.17 Td (1,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.30 496.22 Td (\(1,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.15 496.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 496.22 Td (\(100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 496.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 482.17 Td (Other operating income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.65 482.17 Td (7,280) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 482.17 Td (6,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 482.17 Td (768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 482.17 Td (11.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 468.17 Td (Total non-interest income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.50 468.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 468.17 Td (322,093) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.50 468.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 382.65 468.17 Td (221,305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.50 468.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.65 468.17 Td (100,788) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 468.17 Td (45.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 468.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 452.10 Td (NM - not meaningful) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 428.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 428.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 137.61 428.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.17 428.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.92 428.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.04 428.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.17 428.10 Td ($100.8 ) Tj ET Q q 0 0 0 rg BT 250.79 428.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.68 428.10 Td (, ) Tj ET Q q 0 0 0 rg BT 284.31 428.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.76 428.10 Td (45.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.59 428.10 Td (, ) Tj ET Q q 0 0 0 rg BT 325.22 428.10 Td (for ) Tj ET Q q 0 0 0 rg BT 339.00 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.34 428.10 Td (year ) Tj ET Q q 0 0 0 rg BT 372.67 428.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.67 428.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 456.88 428.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.88 428.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.01 428.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 520.55 428.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.46 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 428.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 416.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.88 416.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.46 416.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.46 416.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 392.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 392.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 126.88 392.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 161.59 392.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 195.74 392.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 235.99 392.10 Td (due ) Tj ET Q q 0 0 0 rg BT 252.93 392.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.21 392.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 303.47 392.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 347.63 392.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 384.55 392.10 Td (through ) Tj ET Q q 0 0 0 rg BT 418.16 392.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.70 392.10 Td (T) Tj ET Q q 0 0 0 rg BT 438.11 392.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 461.15 392.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 492.54 392.10 Td (mer) Tj ET Q q 0 0 0 rg BT 507.90 392.10 Td (ger) Tj ET Q q 0 0 0 rg BT 520.12 392.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 380.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 118.51 380.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 155.41 380.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 194.52 380.10 Td (due ) Tj ET Q q 0 0 0 rg BT 210.31 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.45 380.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 246.35 380.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 263.80 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.60 380.10 Td (promotional ) Tj ET Q q 0 0 0 rg BT 329.84 380.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 362.84 380.10 Td (from ) Tj ET Q q 0 0 0 rg BT 383.63 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.21 380.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 414.11 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 423.80 380.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 467.92 380.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 511.49 380.10 Td (maintenance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 368.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 124.09 368.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.03 368.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 169.08 368.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 191.56 368.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 225.72 368.10 Td (realization.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 356.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 138.51 356.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 170.97 356.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.98 356.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 224.77 356.10 Td (management ) Tj ET Q q 0 0 0 rg BT 279.43 356.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 299.11 356.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 340.44 356.10 Td (due ) Tj ET Q q 0 0 0 rg BT 358.45 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.81 356.10 Td (new ) Tj ET Q q 0 0 0 rg BT 390.05 356.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 430.28 356.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 463.84 356.10 Td (as ) Tj ET Q q 0 0 0 rg BT 475.75 356.10 Td (well ) Tj ET Q q 0 0 0 rg BT 496.54 356.10 Td (as ) Tj ET Q q 0 0 0 rg BT 508.45 356.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 356.10 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 344.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 124.66 344.10 Td (base ) Tj ET Q q 0 0 0 rg BT 144.92 344.10 Td (as ) Tj ET Q q 0 0 0 rg BT 155.75 344.10 Td (a ) Tj ET Q q 0 0 0 rg BT 162.69 344.10 Td (result ) Tj ET Q q 0 0 0 rg BT 187.41 344.10 Td (of ) Tj ET Q q 0 0 0 rg BT 198.24 344.10 Td (the ) Tj ET Q q 0 0 0 rg BT 212.78 344.10 Td (T) Tj ET Q q 0 0 0 rg BT 218.19 344.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 241.23 344.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 272.61 344.10 Td (mer) Tj ET Q q 0 0 0 rg BT 287.98 344.10 Td (ger) Tj ET Q q 0 0 0 rg BT 300.20 344.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 332.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 332.10 Td (T) Tj ET Q q 0 0 0 rg BT 91.26 332.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 108.76 332.10 Td (and ) Tj ET Q q 0 0 0 rg BT 125.70 332.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 147.63 332.10 Td (management ) Tj ET Q q 0 0 0 rg BT 201.22 332.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 219.82 332.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 260.08 332.10 Td (due ) Tj ET Q q 0 0 0 rg BT 277.01 332.10 Td (to ) Tj ET Q q 0 0 0 rg BT 287.29 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.01 332.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 337.28 332.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.11 332.10 Td (new ) Tj ET Q q 0 0 0 rg BT 367.27 332.10 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 320.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 320.10 Td (Card ) Tj ET Q q 0 0 0 rg BT 106.98 320.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 125.13 320.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 164.93 320.10 Td (due ) Tj ET Q q 0 0 0 rg BT 181.41 320.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.24 320.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.72 320.10 Td (new ) Tj ET Q q 0 0 0 rg BT 216.43 320.10 Td (payroll ) Tj ET Q q 0 0 0 rg BT 246.80 320.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 278.83 320.10 Td (card ) Tj ET Q q 0 0 0 rg BT 298.08 320.10 Td (program ) Tj ET Q q 0 0 0 rg BT 334.01 320.10 Td (that ) Tj ET Q q 0 0 0 rg BT 351.05 320.10 Td (started ) Tj ET Q q 0 0 0 rg BT 379.75 320.10 Td (in ) Tj ET Q q 0 0 0 rg BT 389.57 320.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.83 320.10 Td (second ) Tj ET Q q 0 0 0 rg BT 433.65 320.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 464.01 320.10 Td (of ) Tj ET Q q 0 0 0 rg BT 474.39 320.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 496.43 320.10 Td (as ) Tj ET Q q 0 0 0 rg BT 506.81 320.10 Td (well ) Tj ET Q q 0 0 0 rg BT 526.07 320.10 Td (as ) Tj ET Q q 0 0 0 rg BT 536.45 320.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 308.10 Td (debit ) Tj ET Q q 0 0 0 rg BT 107.83 308.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.60 308.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 149.69 308.10 Td (card ) Tj ET Q q 0 0 0 rg BT 169.23 308.10 Td (fees. ) Tj ET Q q 0 0 0 rg BT 190.16 308.10 Td ( ) Tj ET Q q 0 0 0 rg BT 192.32 308.10 Td (This ) Tj ET Q q 0 0 0 rg BT 212.43 308.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 247.52 308.10 Td (was ) Tj ET Q q 0 0 0 rg BT 265.40 308.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 291.06 308.10 Td (of) Tj ET Q q 0 0 0 rg BT 299.21 308.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 315.98 308.10 Td (by ) Tj ET Q q 0 0 0 rg BT 328.31 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.86 308.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 372.40 308.10 Td (from ) Tj ET Q q 0 0 0 rg BT 394.17 308.10 Td (being ) Tj ET Q q 0 0 0 rg BT 418.72 308.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 449.38 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 459.49 308.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.04 308.10 Td (Durbin ) Tj ET Q q 0 0 0 rg BT 504.70 308.10 Td (amendment ) Tj ET Q q 0 0 0 rg BT 553.68 308.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.43 296.10 Td (Dodd-Frank ) Tj ET Q q 0 0 0 rg BT 149.65 296.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 165.80 296.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.17 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.10 296.10 Td (first ) Tj ET Q q 0 0 0 rg BT 210.92 296.10 Td (time ) Tj ET Q q 0 0 0 rg BT 230.41 296.10 Td (in ) Tj ET Q q 0 0 0 rg BT 239.90 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.83 296.10 Td (third ) Tj ET Q q 0 0 0 rg BT 274.43 296.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 304.46 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.50 296.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 338.71 296.10 Td (which ) Tj ET Q q 0 0 0 rg BT 364.86 296.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 405.99 296.10 Td (card ) Tj ET Q q 0 0 0 rg BT 424.91 296.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 442.72 296.10 Td (by ) Tj ET Q q 0 0 0 rg BT 454.44 296.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 513.91 296.10 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 533.12 296.10 Td (million ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 284.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.78 284.10 Td (2015.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 272.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 272.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 117.00 272.10 Td (markets ) Tj ET Q q 0 0 0 rg BT 151.27 272.10 Td (and ) Tj ET Q q 0 0 0 rg BT 168.32 272.10 Td (international ) Tj ET Q q 0 0 0 rg BT 221.48 272.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 256.31 272.10 Td (services ) Tj ET Q q 0 0 0 rg BT 291.13 272.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 309.85 272.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 350.22 272.10 Td (due ) Tj ET Q q 0 0 0 rg BT 367.27 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 377.67 272.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 405.83 272.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 429.00 272.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.05 272.10 Td (syndication ) Tj ET Q q 0 0 0 rg BT 494.77 272.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 513.49 272.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 539.43 272.10 Td (of) Tj ET Q q 0 0 0 rg BT 547.58 272.10 Td (fset ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 260.10 Td (by ) Tj ET Q q 0 0 0 rg BT 98.00 260.10 Td (a ) Tj ET Q q 0 0 0 rg BT 104.94 260.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 141.85 260.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.13 260.10 Td (M&A) Tj ET Q q 0 0 0 rg BT 175.47 260.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.97 260.10 Td (advisory ) Tj ET Q q 0 0 0 rg BT 214.91 260.10 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 248.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 248.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.08 248.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 119.78 248.10 Td (on ) Tj ET Q q 0 0 0 rg BT 131.92 248.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 177.94 248.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 217.85 248.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 259.40 248.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 300.96 248.10 Td (to ) Tj ET Q q 0 0 0 rg BT 310.88 248.10 Td (2014. ) Tj ET Q q 0 0 0 rg BT 335.37 248.10 Td (The ) Tj ET Q q 0 0 0 rg BT 353.06 248.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 394.08 248.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 440.08 248.10 Td (a ) Tj ET Q q 0 0 0 rg BT 446.66 248.10 Td (net ) Tj ET Q q 0 0 0 rg BT 461.02 248.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 478.72 248.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.19 248.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 508.83 248.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.72 248.10 Td ( ) Tj ET Q q 0 0 0 rg BT 539.86 248.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 248.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 236.10 Td (third ) Tj ET Q q 0 0 0 rg BT 106.89 236.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 137.70 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.53 236.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 171.03 236.10 Td (as ) Tj ET Q q 0 0 0 rg BT 181.86 236.10 Td (a ) Tj ET Q q 0 0 0 rg BT 188.80 236.10 Td (result ) Tj ET Q q 0 0 0 rg BT 213.52 236.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.35 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.06 236.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 272.10 236.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 295.14 236.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 350.42 236.10 Td (following ) Tj ET Q q 0 0 0 rg BT 391.80 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.34 236.10 Td (T) Tj ET Q q 0 0 0 rg BT 411.75 236.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 434.80 236.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 466.18 236.10 Td (mer) Tj ET Q q 0 0 0 rg BT 481.54 236.10 Td (ger) Tj ET Q q 0 0 0 rg BT 493.76 236.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 224.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 224.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.75 224.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 145.34 224.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 191.90 224.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.04 224.10 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 219.25 224.10 Td (million ) Tj ET Q q 0 0 0 rg BT 250.84 224.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 270.76 224.10 Td (on ) Tj ET Q q 0 0 0 rg BT 283.46 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.38 224.10 Td (disposal ) Tj ET Q q 0 0 0 rg BT 333.86 224.10 Td (of ) Tj ET Q q 0 0 0 rg BT 344.90 224.10 Td (other ) Tj ET Q q 0 0 0 rg BT 368.15 224.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 394.18 224.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 431.88 224.10 Td (from ) Tj ET Q q 0 0 0 rg BT 454.02 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 468.94 224.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 487.19 224.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.22 224.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 528.13 224.10 Td (property ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 212.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.78 212.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.50 212.10 Td (fourth ) Tj ET Q q 0 0 0 rg BT 137.43 212.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 168.25 212.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.08 212.10 Td (2014.) Tj ET Q endstream endobj 87 0 obj <> endobj 88 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (43) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Non-inter) Tj ET Q q 0 0 0 rg BT 90.98 742.25 Td (est Expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 103.55 718.25 Td (following ) Tj ET Q q 0 0 0 rg BT 144.93 718.25 Td (table ) Tj ET Q q 0 0 0 rg BT 166.87 718.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 202.14 718.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 252.40 718.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 287.11 718.25 Td (for ) Tj ET Q q 0 0 0 rg BT 301.27 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.98 718.25 Td (years ) Tj ET Q q 0 0 0 rg BT 339.58 718.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.96 718.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 424.54 718.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.54 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 447.04 718.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.98 718.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.98 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 486.48 718.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 500.09 718.25 Td (thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 675.75 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 675.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 675.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 675.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 675.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 675.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 675.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 675.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 675.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 647.75 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 647.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 647.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 647.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 647.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 647.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 647.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 647.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 647.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 619.75 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 619.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 619.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 619.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 619.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 619.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 591.75 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 591.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 591.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 591.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 591.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 591.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 563.75 253.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 563.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 563.75 59.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 563.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 563.75 59.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 563.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 563.75 59.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 563.75 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 563.75 66.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 527.75 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 527.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 527.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 527.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 527.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 527.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 527.75 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 527.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 527.75 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 307 695.75 m 366 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 695.75 m 370 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 695.75 m 429 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 695.75 m 366 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 675.75 m 366 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 695.75 m 429 695.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 675.75 m 429 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 675.75 m 492 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496 675.75 m 562 675.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 513.75 m 366 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 513.75 m 429 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 513.75 m 492 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 513.75 m 366 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 500.75 m 366 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 307 498.75 m 366 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 513.75 m 429 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 500.75 m 429 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 370 498.75 m 429 498.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 513.75 m 492 513.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 500.75 m 492 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 433 498.75 m 492 498.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 698.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.45 699.83 Td (YearEnded) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 462.00 698.47 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 528.50 698.47 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 678.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 312.75 687.83 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 679.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.75 687.83 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.00 679.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.50 687.83 Td (Incr) Tj ET Q q 0 0 0 rg BT 461.02 687.83 Td (ease/) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.05 679.83 Td (\(Decr) Tj ET Q q 0 0 0 rg BT 463.00 679.83 Td (ease\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 509.65 687.83 Td (Per) Tj ET Q q 0 0 0 rg BT 521.49 687.83 Td (centage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.35 679.83 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 666.32 Td (Non-interest expense:) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 362.50 664.47 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 425.50 664.47 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 488.50 664.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 664.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 652.32 Td (Salaries and employee benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 652.32 Td (400,501) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.50 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 652.32 Td (343,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 652.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 652.32 Td (56,970) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 652.32 Td (16.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 652.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 638.32 Td (Occupancy and equipment expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 638.32 Td (57,130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 638.32 Td (50,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 638.32 Td (6,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 638.32 Td (13.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 624.32 Td (Computer services and telecommunication expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 624.32 Td (43,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 624.32 Td (34,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 624.32 Td (9,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 624.32 Td (26.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 610.32 Td (Advertising and marketing expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 610.32 Td (11,971) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 610.32 Td (10,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 610.32 Td (1,899) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 610.32 Td (18.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 596.32 Td (Professional and legal expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 596.32 Td (12,879) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 596.32 Td (11,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 596.32 Td (1,826) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 596.32 Td (16.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 582.32 Td (Other intangibles amortization expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 582.32 Td (7,305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 582.32 Td (6,115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 582.32 Td (1,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 582.32 Td (19.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 568.32 Td (Branch exit and facilities impairment charges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.30 568.37 Td (\(2,709) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 568.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 568.32 Td (8,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.30 568.37 Td (\(11,224) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 568.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 568.37 Td (\(131.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 568.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 554.32 Td (Net \(gain\) loss recognized on other real estate owned and) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 544.37 Td (other related expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.30 546.47 Td (\(1,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 546.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 546.42 Td (1,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 546.47 Td (\(3,067) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 546.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 546.47 Td (\(208.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 546.42 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 532.32 Td (Prepayment fees on interest bearing liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 532.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 532.32 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.80 532.37 Td (\(85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 532.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.30 532.37 Td (\(100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 532.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 518.32 Td (Other operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 518.32 Td (90,905) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 518.32 Td (68,352) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 518.32 Td (22,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 518.32 Td (33.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 504.32 Td (Total non-interest expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 504.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 504.32 Td (619,851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.50 504.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 504.32 Td (534,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 504.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 504.32 Td (85,697) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 504.32 Td (16.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 504.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 488.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 476.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 138.20 476.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.12 476.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.87 476.25 Td ( ) Tj ET Q q 0 0 0 rg BT 213.58 476.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.30 476.25 Td ($85.7 ) Tj ET Q q 0 0 0 rg BT 251.51 476.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.40 476.25 Td (, ) Tj ET Q q 0 0 0 rg BT 285.61 476.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.65 476.25 Td (16.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.48 476.25 Td (, ) Tj ET Q q 0 0 0 rg BT 327.70 476.25 Td (from ) Tj ET Q q 0 0 0 rg BT 349.85 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 364.78 476.25 Td (year ) Tj ET Q q 0 0 0 rg BT 384.70 476.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.29 476.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 470.08 476.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.08 476.25 Td ( ) Tj ET Q q 0 0 0 rg BT 492.79 476.25 Td (to ) Tj ET Q q 0 0 0 rg BT 503.29 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.21 476.25 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 476.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.07 464.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.07 464.25 Td (. ) Tj ET Q q 0 0 0 rg BT 133.05 464.25 Td ( ) Tj ET Q q 0 0 0 rg BT 135.54 464.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 188.01 464.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 226.59 464.25 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.51 464.25 Td ($23.7 ) Tj ET Q q 0 0 0 rg BT 283.49 464.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.38 464.25 Td ( ) Tj ET Q q 0 0 0 rg BT 314.87 464.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.79 464.25 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 351.78 464.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.67 464.25 Td ( ) Tj ET Q q 0 0 0 rg BT 383.15 464.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.41 464.25 Td (mer) Tj ET Q q 0 0 0 rg BT 408.78 464.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 424.03 464.25 Td (related ) Tj ET Q q 0 0 0 rg BT 453.72 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 470.64 464.25 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 525.90 464.25 Td (expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 452.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.66 452.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.38 452.25 Td (year ) Tj ET Q q 0 0 0 rg BT 98.08 452.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 124.46 452.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 183.04 452.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.04 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 205.54 452.25 Td (and ) Tj ET Q q 0 0 0 rg BT 222.48 452.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 247.48 452.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 295.14 452.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 428.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 119.66 428.25 Td (and ) Tj ET Q q 0 0 0 rg BT 136.59 428.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 177.97 428.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 212.12 428.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.83 428.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.58 428.25 Td ( ) Tj ET Q q 0 0 0 rg BT 287.08 428.25 Td (due ) Tj ET Q q 0 0 0 rg BT 304.02 428.25 Td (to ) Tj ET Q q 0 0 0 rg BT 314.30 428.25 Td (the ) Tj ET Q q 0 0 0 rg BT 329.02 428.25 Td (following:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 416.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 416.25 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 154.86 416.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 188.77 416.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 228.22 416.25 Td (due ) Tj ET Q q 0 0 0 rg BT 244.36 416.25 Td (to ) Tj ET Q q 0 0 0 rg BT 253.84 416.25 Td (new ) Tj ET Q q 0 0 0 rg BT 272.20 416.25 Td (hires, ) Tj ET Q q 0 0 0 rg BT 295.84 416.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 324.20 416.25 Td (pay ) Tj ET Q q 0 0 0 rg BT 340.34 416.25 Td (increases ) Tj ET Q q 0 0 0 rg BT 378.69 416.25 Td (ef) Tj ET Q q 0 0 0 rg BT 386.28 416.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 415.18 416.25 Td (in ) Tj ET Q q 0 0 0 rg BT 424.66 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 438.58 416.25 Td (beginning ) Tj ET Q q 0 0 0 rg BT 480.27 416.25 Td (of ) Tj ET Q q 0 0 0 rg BT 490.31 416.25 Td (the ) Tj ET Q q 0 0 0 rg BT 504.22 416.25 Td (second ) Tj ET Q q 0 0 0 rg BT 533.69 416.25 Td (quarter ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 138.44 404.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 178.69 404.25 Td (staf) Tj ET Q q 0 0 0 rg BT 192.95 404.25 Td (f ) Tj ET Q q 0 0 0 rg BT 198.78 404.25 Td (from ) Tj ET Q q 0 0 0 rg BT 220.72 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 234.88 404.25 Td (American ) Tj ET Q q 0 0 0 rg BT 276.81 404.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 318.73 404.25 Td (mer) Tj ET Q q 0 0 0 rg BT 334.10 404.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 349.37 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 366.30 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 381.02 404.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 427.40 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.23 404.25 Td (MSA. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 392.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 392.25 Td (Bonus ) Tj ET Q q 0 0 0 rg BT 149.56 392.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 184.27 392.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 224.52 392.25 Td (based ) Tj ET Q q 0 0 0 rg BT 249.79 392.25 Td (on ) Tj ET Q q 0 0 0 rg BT 262.29 392.25 Td (company ) Tj ET Q q 0 0 0 rg BT 301.45 392.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 354.47 392.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.75 392.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 387.25 392.25 Td (as ) Tj ET Q q 0 0 0 rg BT 398.08 392.25 Td (well ) Tj ET Q q 0 0 0 rg BT 417.79 392.25 Td (as ) Tj ET Q q 0 0 0 rg BT 428.62 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 443.34 392.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 478.59 392.25 Td (in ) Tj ET Q q 0 0 0 rg BT 488.87 392.25 Td (staf) Tj ET Q q 0 0 0 rg BT 503.13 392.25 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.50 380.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 380.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 147.29 380.25 Td (salaries ) Tj ET Q q 0 0 0 rg BT 180.30 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 197.76 380.25 Td (benefits ) Tj ET Q q 0 0 0 rg BT 232.44 380.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 267.67 380.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 308.44 380.25 Td (due ) Tj ET Q q 0 0 0 rg BT 325.90 380.25 Td (to ) Tj ET Q q 0 0 0 rg BT 336.71 380.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 377.48 380.25 Td (temporary ) Tj ET Q q 0 0 0 rg BT 421.60 380.25 Td (help ) Tj ET Q q 0 0 0 rg BT 441.84 380.25 Td (in ) Tj ET Q q 0 0 0 rg BT 452.64 380.25 Td (our ) Tj ET Q q 0 0 0 rg BT 468.99 380.25 Td (IT) Tj ET Q q 0 0 0 rg BT 477.69 380.25 Td (, ) Tj ET Q q 0 0 0 rg BT 483.21 380.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 524.00 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 380.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 368.25 Td (support ) Tj ET Q q 0 0 0 rg BT 153.39 368.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 175.81 368.25 Td (as ) Tj ET Q q 0 0 0 rg BT 186.03 368.25 Td (well ) Tj ET Q q 0 0 0 rg BT 205.13 368.25 Td (as ) Tj ET Q q 0 0 0 rg BT 215.35 368.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 242.78 368.25 Td (401\(k\) ) Tj ET Q q 0 0 0 rg BT 271.33 368.25 Td (match ) Tj ET Q q 0 0 0 rg BT 297.65 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 313.98 368.25 Td (profit ) Tj ET Q q 0 0 0 rg BT 338.08 368.25 Td (sharing ) Tj ET Q q 0 0 0 rg BT 369.41 368.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 420.18 368.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 454.27 368.25 Td (and ) Tj ET Q q 0 0 0 rg BT 470.60 368.25 Td (payroll ) Tj ET Q q 0 0 0 rg BT 500.81 368.25 Td (taxes ) Tj ET Q q 0 0 0 rg BT 523.24 368.25 Td (as ) Tj ET Q q 0 0 0 rg BT 533.46 368.25 Td (a ) Tj ET Q q 0 0 0 rg BT 539.79 368.25 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.50 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.33 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.05 356.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 182.30 356.25 Td (in ) Tj ET Q q 0 0 0 rg BT 192.58 356.25 Td (staf) Tj ET Q q 0 0 0 rg BT 206.84 356.25 Td (f.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 344.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 344.25 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 133.13 344.25 Td (and ) Tj ET Q q 0 0 0 rg BT 150.21 344.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 195.08 344.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.93 344.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.69 344.25 Td ( ) Tj ET Q q 0 0 0 rg BT 270.34 344.25 Td (due ) Tj ET Q q 0 0 0 rg BT 287.43 344.25 Td (to ) Tj ET Q q 0 0 0 rg BT 297.86 344.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 326.05 344.25 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 380.62 344.25 Td (property ) Tj ET Q q 0 0 0 rg BT 417.15 344.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 432.02 344.25 Td (and ) Tj ET Q q 0 0 0 rg BT 449.11 344.25 Td (rental ) Tj ET Q q 0 0 0 rg BT 474.52 344.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 514.93 344.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 553.68 344.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 332.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.87 332.25 Td (result ) Tj ET Q q 0 0 0 rg BT 116.01 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 126.27 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 140.41 332.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 186.22 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 196.48 332.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 217.60 332.25 Td ( ) Tj ET Q q 0 0 0 rg BT 219.53 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 235.90 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.62 332.25 Td (American ) Tj ET Q q 0 0 0 rg BT 290.97 332.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 332.32 332.25 Td (mer) Tj ET Q q 0 0 0 rg BT 347.69 332.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 362.38 332.25 Td (as ) Tj ET Q q 0 0 0 rg BT 372.64 332.25 Td (well ) Tj ET Q q 0 0 0 rg BT 391.78 332.25 Td (as ) Tj ET Q q 0 0 0 rg BT 402.04 332.25 Td (new ) Tj ET Q q 0 0 0 rg BT 420.63 332.25 Td (of) Tj ET Q q 0 0 0 rg BT 428.78 332.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 449.58 332.25 Td (opened ) Tj ET Q q 0 0 0 rg BT 480.39 332.25 Td (within ) Tj ET Q q 0 0 0 rg BT 507.87 332.25 Td (our ) Tj ET Q q 0 0 0 rg BT 523.13 332.25 Td (Mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 320.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 121.89 320.25 Td (Segment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 308.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 308.25 Td (Computer ) Tj ET Q q 0 0 0 rg BT 127.96 308.25 Td (services ) Tj ET Q q 0 0 0 rg BT 162.63 308.25 Td (and ) Tj ET Q q 0 0 0 rg BT 179.54 308.25 Td (telecommunication ) Tj ET Q q 0 0 0 rg BT 258.64 308.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.32 308.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.07 308.25 Td ( ) Tj ET Q q 0 0 0 rg BT 333.54 308.25 Td (due ) Tj ET Q q 0 0 0 rg BT 350.44 308.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.69 308.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 388.70 308.25 Td (processing ) Tj ET Q q 0 0 0 rg BT 433.93 308.25 Td (costs ) Tj ET Q q 0 0 0 rg BT 456.40 308.25 Td (as ) Tj ET Q q 0 0 0 rg BT 467.19 308.25 Td (a ) Tj ET Q q 0 0 0 rg BT 474.10 308.25 Td (result ) Tj ET Q q 0 0 0 rg BT 498.78 308.25 Td (of ) Tj ET Q q 0 0 0 rg BT 509.58 308.25 Td (the ) Tj ET Q q 0 0 0 rg BT 524.26 308.25 Td (increased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 296.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 124.66 296.25 Td (base, ) Tj ET Q q 0 0 0 rg BT 147.42 296.25 Td (from ) Tj ET Q q 0 0 0 rg BT 169.36 296.25 Td (or) Tj ET Q q 0 0 0 rg BT 177.51 296.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 201.67 296.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 232.50 296.25 Td (and ) Tj ET Q q 0 0 0 rg BT 249.44 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.60 296.25 Td (American ) Tj ET Q q 0 0 0 rg BT 305.52 296.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 347.45 296.25 Td (mer) Tj ET Q q 0 0 0 rg BT 362.81 296.25 Td (ger) Tj ET Q q 0 0 0 rg BT 375.18 296.25 Td (, ) Tj ET Q q 0 0 0 rg BT 380.18 296.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.12 296.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 447.39 296.25 Td (in ) Tj ET Q q 0 0 0 rg BT 457.67 296.25 Td (systems.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 284.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 284.25 Td (Advertising ) Tj ET Q q 0 0 0 rg BT 135.22 284.25 Td (and ) Tj ET Q q 0 0 0 rg BT 152.16 284.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 195.20 284.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.90 284.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.66 284.25 Td ( ) Tj ET Q q 0 0 0 rg BT 270.16 284.25 Td (due ) Tj ET Q q 0 0 0 rg BT 287.10 284.25 Td (to ) Tj ET Q q 0 0 0 rg BT 297.38 284.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 337.63 284.25 Td (brand ) Tj ET Q q 0 0 0 rg BT 362.90 284.25 Td (awareness ) Tj ET Q q 0 0 0 rg BT 406.49 284.25 Td (advertising.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 272.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 272.25 Td (Professional ) Tj ET Q q 0 0 0 rg BT 137.44 272.25 Td (and ) Tj ET Q q 0 0 0 rg BT 154.38 272.25 Td (legal ) Tj ET Q q 0 0 0 rg BT 176.31 272.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.02 272.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.77 272.25 Td ( ) Tj ET Q q 0 0 0 rg BT 251.27 272.25 Td (due ) Tj ET Q q 0 0 0 rg BT 268.21 272.25 Td (to ) Tj ET Q q 0 0 0 rg BT 278.49 272.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 318.74 272.25 Td (litigation ) Tj ET Q q 0 0 0 rg BT 357.35 272.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.29 272.25 Td (consulting ) Tj ET Q q 0 0 0 rg BT 418.45 272.25 Td (fees.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 260.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 260.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 110.88 260.25 Td (intangible ) Tj ET Q q 0 0 0 rg BT 153.49 260.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 206.64 260.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 241.46 260.25 Td (was ) Tj ET Q q 0 0 0 rg BT 259.62 260.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 287.78 260.25 Td (due ) Tj ET Q q 0 0 0 rg BT 304.84 260.25 Td (to ) Tj ET Q q 0 0 0 rg BT 315.23 260.25 Td (the ) Tj ET Q q 0 0 0 rg BT 330.06 260.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 369.33 260.25 Td (and ) Tj ET Q q 0 0 0 rg BT 386.38 260.25 Td (core ) Tj ET Q q 0 0 0 rg BT 406.20 260.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 437.70 260.25 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 484.20 260.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 521.79 260.25 Td (as ) Tj ET Q q 0 0 0 rg BT 532.73 260.25 Td (a ) Tj ET Q q 0 0 0 rg BT 539.78 260.25 Td (result ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 248.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.33 248.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.05 248.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 157.43 248.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.26 248.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 189.38 248.25 Td ( ) Tj ET Q q 0 0 0 rg BT 191.88 248.25 Td (and ) Tj ET Q q 0 0 0 rg BT 208.82 248.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.99 248.25 Td (American ) Tj ET Q q 0 0 0 rg BT 264.91 248.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 306.83 248.25 Td (mer) Tj ET Q q 0 0 0 rg BT 322.20 248.25 Td (ger) Tj ET Q q 0 0 0 rg BT 334.57 248.25 Td (, ) Tj ET Q q 0 0 0 rg BT 339.57 248.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 387.23 248.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 236.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 236.25 Td (Branch ) Tj ET Q q 0 0 0 rg BT 117.01 236.25 Td (exit ) Tj ET Q q 0 0 0 rg BT 134.63 236.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.70 236.25 Td (facilities ) Tj ET Q q 0 0 0 rg BT 188.76 236.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 237.49 236.25 Td (char) Tj ET Q q 0 0 0 rg BT 254.52 236.25 Td (ges ) Tj ET Q q 0 0 0 rg BT 270.48 236.25 Td (decreased ) Tj ET Q q 0 0 0 rg BT 312.52 236.25 Td (as ) Tj ET Q q 0 0 0 rg BT 323.49 236.25 Td (a ) Tj ET Q q 0 0 0 rg BT 330.55 236.25 Td (result ) Tj ET Q q 0 0 0 rg BT 355.40 236.25 Td (of ) Tj ET Q q 0 0 0 rg BT 366.36 236.25 Td (a ) Tj ET Q q 0 0 0 rg BT 373.43 236.25 Td (reversal ) Tj ET Q q 0 0 0 rg BT 407.71 236.25 Td (of ) Tj ET Q q 0 0 0 rg BT 418.67 236.25 Td (an ) Tj ET Q q 0 0 0 rg BT 430.74 236.25 Td (exit ) Tj ET Q q 0 0 0 rg BT 448.37 236.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 467.10 236.25 Td (due ) Tj ET Q q 0 0 0 rg BT 484.17 236.25 Td (to ) Tj ET Q q 0 0 0 rg BT 494.58 236.25 Td (a ) Tj ET Q q 0 0 0 rg BT 501.65 236.25 Td (favorable ) Tj ET Q q 0 0 0 rg BT 542.04 236.25 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 224.25 Td (termination ) Tj ET Q q 0 0 0 rg BT 134.10 224.25 Td (on ) Tj ET Q q 0 0 0 rg BT 146.60 224.25 Td (a ) Tj ET Q q 0 0 0 rg BT 153.54 224.25 Td (branch ) Tj ET Q q 0 0 0 rg BT 183.24 224.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 220.17 224.25 Td (through ) Tj ET Q q 0 0 0 rg BT 253.78 224.25 Td (the ) Tj ET Q q 0 0 0 rg BT 268.31 224.25 Td (T) Tj ET Q q 0 0 0 rg BT 273.72 224.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 296.77 224.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 328.15 224.25 Td (mer) Tj ET Q q 0 0 0 rg BT 343.52 224.25 Td (ger) Tj ET Q q 0 0 0 rg BT 355.73 224.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 212.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 212.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 137.99 212.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 172.69 212.25 Td (was ) Tj ET Q q 0 0 0 rg BT 190.74 212.25 Td (also ) Tj ET Q q 0 0 0 rg BT 209.35 212.25 Td (impacted ) Tj ET Q q 0 0 0 rg BT 248.50 212.25 Td (by ) Tj ET Q q 0 0 0 rg BT 261.00 212.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 289.05 212.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 312.66 212.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 359.02 212.25 Td (on ) Tj ET Q q 0 0 0 rg BT 371.52 212.25 Td (other ) Tj ET Q q 0 0 0 rg BT 394.57 212.25 Td (real ) Tj ET Q q 0 0 0 rg BT 412.05 212.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 437.32 212.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 466.48 212.25 Td (properties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 200.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 200.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 110.54 200.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 150.58 200.25 Td (expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.96 200.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.71 200.25 Td ( ) Tj ET Q q 0 0 0 rg BT 228.99 200.25 Td (due ) Tj ET Q q 0 0 0 rg BT 245.70 200.25 Td (to ) Tj ET Q q 0 0 0 rg BT 255.75 200.25 Td (higher ) Tj ET Q q 0 0 0 rg BT 283.58 200.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 308.63 200.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 350.91 200.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 364.84 200.25 Td (a ) Tj ET Q q 0 0 0 rg BT 371.55 200.25 Td (result ) Tj ET Q q 0 0 0 rg BT 396.05 200.25 Td (of ) Tj ET Q q 0 0 0 rg BT 406.65 200.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 424.49 200.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 463.98 200.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 489.86 200.25 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 511.58 200.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 529.40 200.25 Td ("Bank"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 188.25 Td (exceeding ) Tj ET Q q 0 0 0 rg BT 127.62 188.25 Td ($10 ) Tj ET Q q 0 0 0 rg BT 144.20 188.25 Td (billion ) Tj ET Q q 0 0 0 rg BT 171.90 188.25 Td (in ) Tj ET Q q 0 0 0 rg BT 181.26 188.25 Td (assets\), ) Tj ET Q q 0 0 0 rg BT 212.01 188.25 Td (filing ) Tj ET Q q 0 0 0 rg BT 235.26 188.25 Td (and ) Tj ET Q q 0 0 0 rg BT 251.28 188.25 Td (other ) Tj ET Q q 0 0 0 rg BT 273.41 188.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 292.21 188.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 326.00 188.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.03 188.25 Td (card ) Tj ET Q q 0 0 0 rg BT 360.82 188.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 398.50 188.25 Td (\(higher ) Tj ET Q q 0 0 0 rg BT 428.96 188.25 Td (rewards ) Tj ET Q q 0 0 0 rg BT 462.20 188.25 Td (and ) Tj ET Q q 0 0 0 rg BT 478.22 188.25 Td (product ) Tj ET Q q 0 0 0 rg BT 510.35 188.25 Td (development ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 176.25 Td (expense\) ) Tj ET Q q 0 0 0 rg BT 123.52 176.25 Td (as ) Tj ET Q q 0 0 0 rg BT 134.34 176.25 Td (well ) Tj ET Q q 0 0 0 rg BT 154.04 176.25 Td (as ) Tj ET Q q 0 0 0 rg BT 164.85 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.55 176.25 Td (contingent ) Tj ET Q q 0 0 0 rg BT 224.25 176.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 280.61 176.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 315.30 176.25 Td (related ) Tj ET Q q 0 0 0 rg BT 344.98 176.25 Td (to ) Tj ET Q q 0 0 0 rg BT 355.25 176.25 Td (our ) Tj ET Q q 0 0 0 rg BT 371.06 176.25 Td (December ) Tj ET Q q 0 0 0 rg BT 414.63 176.25 Td (2012 ) Tj ET Q q 0 0 0 rg BT 437.11 176.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 483.48 176.25 Td (of ) Tj ET Q q 0 0 0 rg BT 494.29 176.25 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 520.66 176.25 Td (and ) Tj ET Q q 0 0 0 rg BT 537.58 176.25 Td (a ) Tj ET Q q 0 0 0 rg BT 544.51 176.25 Td ($4.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 164.25 Td (million ) Tj ET Q q 0 0 0 rg BT 116.89 164.25 Td (charitable ) Tj ET Q q 0 0 0 rg BT 158.81 164.25 Td (contribution.) Tj ET Q endstream endobj 89 0 obj <> endobj 90 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.55 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 144.93 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 166.87 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 202.14 742.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 252.40 742.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 287.11 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 301.27 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.98 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 339.58 742.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.96 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 424.54 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.54 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.04 742.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.98 742.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.98 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 486.48 742.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 500.09 742.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 699.60 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 699.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.00 699.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 699.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 370.00 699.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 429.00 699.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 433.00 699.60 59.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.00 699.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.00 699.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 671.60 253.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 303.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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8.00 Tf ET q 0 0 0 rg BT 312.75 711.68 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 328.00 703.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.75 711.68 Td (December 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 391.00 703.68 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.50 711.68 Td (Incr) Tj ET Q q 0 0 0 rg BT 461.02 711.68 Td (ease/) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.05 703.68 Td (\(Decr) Tj ET Q q 0 0 0 rg BT 463.00 703.68 Td (ease\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 509.65 711.68 Td (Per) Tj ET Q q 0 0 0 rg BT 521.49 711.68 Td (centage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.35 703.68 Td (Change) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 690.17 Td (Non-interest expense:) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 362.50 688.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 425.50 688.32 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 488.50 688.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 688.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 676.17 Td (Salaries and employee benefits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 676.17 Td (343,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 676.17 Td (255,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 676.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 676.17 Td (87,557) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 676.17 Td (34.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 676.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 662.17 Td (Occupancy and equipment expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 662.17 Td (50,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 662.17 Td (44,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 662.17 Td (5,600) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 662.17 Td (12.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 648.17 Td (Computer services and telecommunication expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 648.17 Td (34,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 648.17 Td (31,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 648.17 Td (2,775) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.65 648.17 Td (8.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 634.17 Td (Advertising and marketing expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 634.17 Td (10,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 634.17 Td (8,854) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 634.17 Td (1,218) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 634.17 Td (13.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 620.17 Td (Professional and legal expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 620.17 Td (11,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 620.17 Td (14,652) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 620.22 Td (\(3,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 620.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 620.22 Td (\(24.6) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 620.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 606.17 Td (Other intangibles amortization expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 606.17 Td (6,115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 606.17 Td (5,501) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 606.17 Td (614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 606.17 Td (11.2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 592.17 Td (Branch exit and facilities impairment charges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 592.17 Td (8,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 592.17 Td (2,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 592.17 Td (6,245) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 592.17 Td (275.1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 578.17 Td (Net loss recognized on other real estate owned and other) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 568.22 Td (related expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.65 570.27 Td (1,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.65 570.27 Td (3,575) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 570.32 Td (\(2,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.30 570.32 Td (\(58.9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 570.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 556.17 Td (Prepayment fees on interest bearing liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.15 556.17 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 556.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.15 556.17 Td (85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 556.17 Td (100.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 542.17 Td (Other operating expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.65 542.17 Td (68,352) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.65 542.17 Td (69,368) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.30 542.22 Td (\(1,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.15 542.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.30 542.22 Td (\(1.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 542.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 528.17 Td (Total non-interest expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.50 528.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 528.17 Td (534,154) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.50 528.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.65 528.17 Td (436,782) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.50 528.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.65 528.17 Td (97,372) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 528.17 Td (22.3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 528.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 500.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 138.20 500.10 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.12 500.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.87 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 213.58 500.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.30 500.10 Td ($97.4 ) Tj ET Q q 0 0 0 rg BT 251.51 500.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 280.40 500.10 Td (, ) Tj ET Q q 0 0 0 rg BT 285.61 500.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.65 500.10 Td (22.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.48 500.10 Td (, ) Tj ET Q q 0 0 0 rg BT 327.70 500.10 Td (from ) Tj ET Q q 0 0 0 rg BT 349.85 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 364.78 500.10 Td (year ) Tj ET Q q 0 0 0 rg BT 384.70 500.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.29 500.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 470.08 500.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.08 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.79 500.10 Td (to ) Tj ET Q q 0 0 0 rg BT 503.29 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.21 500.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 500.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 488.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.65 488.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.65 488.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.71 488.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 168.99 488.10 Td (due ) Tj ET Q q 0 0 0 rg BT 185.50 488.10 Td (to ) Tj ET Q q 0 0 0 rg BT 195.34 488.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.62 488.10 Td (full ) Tj ET Q q 0 0 0 rg BT 225.57 488.10 Td (year ) Tj ET Q q 0 0 0 rg BT 244.85 488.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 274.12 488.10 Td (of ) Tj ET Q q 0 0 0 rg BT 284.52 488.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.65 488.10 Td (T) Tj ET Q q 0 0 0 rg BT 304.06 488.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 326.67 488.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 357.62 488.10 Td (mer) Tj ET Q q 0 0 0 rg BT 372.99 488.10 Td (ger) Tj ET Q q 0 0 0 rg BT 385.21 488.10 Td (. ) Tj ET Q q 0 0 0 rg BT 389.77 488.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.84 488.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 443.89 488.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 482.05 488.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.55 488.10 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 533.12 488.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 476.10 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 91.44 476.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 476.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.83 476.10 Td (in ) Tj ET Q q 0 0 0 rg BT 133.11 476.10 Td (mer) Tj ET Q q 0 0 0 rg BT 148.47 476.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 163.74 476.10 Td (related ) Tj ET Q q 0 0 0 rg BT 193.45 476.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.38 476.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 265.66 476.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 304.26 476.10 Td (for ) Tj ET Q q 0 0 0 rg BT 318.42 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.13 476.10 Td (year ) Tj ET Q q 0 0 0 rg BT 352.84 476.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 379.22 476.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 437.80 476.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 460.30 476.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.24 476.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 502.24 476.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 549.90 476.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 452.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 452.10 Td (Salaries ) Tj ET Q q 0 0 0 rg BT 119.10 452.10 Td (and ) Tj ET Q q 0 0 0 rg BT 135.48 452.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 176.30 452.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 209.89 452.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 249.59 452.10 Td (due ) Tj ET Q q 0 0 0 rg BT 265.97 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 275.70 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.86 452.10 Td (full ) Tj ET Q q 0 0 0 rg BT 305.69 452.10 Td (year ) Tj ET Q q 0 0 0 rg BT 324.84 452.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 353.99 452.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.26 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.42 452.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 418.12 452.10 Td (staf) Tj ET Q q 0 0 0 rg BT 432.38 452.10 Td (f ) Tj ET Q q 0 0 0 rg BT 437.65 452.10 Td (from ) Tj ET Q q 0 0 0 rg BT 459.04 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.05 452.10 Td (T) Tj ET Q q 0 0 0 rg BT 478.46 452.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 500.96 452.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 531.78 452.10 Td (mer) Tj ET Q q 0 0 0 rg BT 547.15 452.10 Td (ger) Tj ET Q q 0 0 0 rg BT 559.51 452.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 440.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 114.66 440.10 Td (salary ) Tj ET Q q 0 0 0 rg BT 141.03 440.10 Td (increases, ) Tj ET Q q 0 0 0 rg BT 182.68 440.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 217.93 440.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.21 440.10 Td (incentive ) Tj ET Q q 0 0 0 rg BT 267.36 440.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 302.07 440.10 Td (and ) Tj ET Q q 0 0 0 rg BT 319.01 440.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 347.05 440.10 Td (health ) Tj ET Q q 0 0 0 rg BT 373.99 440.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 414.80 440.10 Td (costs.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 428.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 428.10 Td (Occupancy ) Tj ET Q q 0 0 0 rg BT 132.94 428.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.85 428.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 194.53 428.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 229.21 428.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 269.43 428.10 Td (due ) Tj ET Q q 0 0 0 rg BT 286.33 428.10 Td (to ) Tj ET Q q 0 0 0 rg BT 296.58 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.27 428.10 Td (full ) Tj ET Q q 0 0 0 rg BT 327.62 428.10 Td (year ) Tj ET Q q 0 0 0 rg BT 347.30 428.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 376.98 428.10 Td (of ) Tj ET Q q 0 0 0 rg BT 387.78 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.46 428.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 444.92 428.10 Td (of) Tj ET Q q 0 0 0 rg BT 453.07 428.10 Td (fices ) Tj ET Q q 0 0 0 rg BT 474.41 428.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 511.31 428.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.55 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.06 428.10 Td (T) Tj ET Q q 0 0 0 rg BT 541.47 428.10 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 416.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 116.88 416.10 Td (mer) Tj ET Q q 0 0 0 rg BT 132.25 416.10 Td (ger) Tj ET Q q 0 0 0 rg BT 144.46 416.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 404.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 404.10 Td (Computer ) Tj ET Q q 0 0 0 rg BT 128.32 404.10 Td (services ) Tj ET Q q 0 0 0 rg BT 163.35 404.10 Td (and ) Tj ET Q q 0 0 0 rg BT 180.61 404.10 Td (telecommunication ) Tj ET Q q 0 0 0 rg BT 260.08 404.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 299.00 404.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 339.58 404.10 Td (due ) Tj ET Q q 0 0 0 rg BT 356.84 404.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.44 404.10 Td (an ) Tj ET Q q 0 0 0 rg BT 379.70 404.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 415.28 404.10 Td (in ) Tj ET Q q 0 0 0 rg BT 425.88 404.10 Td (spending ) Tj ET Q q 0 0 0 rg BT 464.81 404.10 Td (on ) Tj ET Q q 0 0 0 rg BT 477.64 404.10 Td (IT) Tj ET Q q 0 0 0 rg BT 486.90 404.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.72 404.10 Td (security ) Tj ET Q q 0 0 0 rg BT 524.20 404.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.46 404.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 392.10 Td (IT) Tj ET Q q 0 0 0 rg BT 94.76 392.10 Td ( ) Tj ET Q q 0 0 0 rg BT 97.26 392.10 Td (projects.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 380.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 380.10 Td (Advertising ) Tj ET Q q 0 0 0 rg BT 135.22 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.16 380.10 Td (marketing ) Tj ET Q q 0 0 0 rg BT 195.20 380.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 229.90 380.10 Td (was ) Tj ET Q q 0 0 0 rg BT 247.96 380.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 276.00 380.10 Td (due ) Tj ET Q q 0 0 0 rg BT 292.94 380.10 Td (to ) Tj ET Q q 0 0 0 rg BT 303.22 380.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 343.47 380.10 Td (advertising ) Tj ET Q q 0 0 0 rg BT 390.41 380.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.35 380.10 Td (sponsorships.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 368.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 368.10 Td (Professional ) Tj ET Q q 0 0 0 rg BT 137.44 368.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.38 368.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 176.31 368.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 211.02 368.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 252.93 368.10 Td (due ) Tj ET Q q 0 0 0 rg BT 269.87 368.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.15 368.10 Td (less ) Tj ET Q q 0 0 0 rg BT 297.65 368.10 Td (mer) Tj ET Q q 0 0 0 rg BT 313.01 368.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 328.28 368.10 Td (related ) Tj ET Q q 0 0 0 rg BT 357.99 368.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 379.92 368.10 Td (expense. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 356.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 356.10 Td (Branch ) Tj ET Q q 0 0 0 rg BT 117.21 356.10 Td (exit ) Tj ET Q q 0 0 0 rg BT 135.04 356.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.31 356.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 189.57 356.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 238.51 356.10 Td (char) Tj ET Q q 0 0 0 rg BT 255.53 356.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 271.70 356.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 312.28 356.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 352.33 356.10 Td (due ) Tj ET Q q 0 0 0 rg BT 369.60 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 380.21 356.10 Td (branch ) Tj ET Q q 0 0 0 rg BT 410.25 356.10 Td (exit ) Tj ET Q q 0 0 0 rg BT 428.08 356.10 Td (char) Tj ET Q q 0 0 0 rg BT 445.11 356.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 461.27 356.10 Td (on ) Tj ET Q q 0 0 0 rg BT 474.10 356.10 Td (facilities ) Tj ET Q q 0 0 0 rg BT 511.37 356.10 Td (we ) Tj ET Q q 0 0 0 rg BT 525.86 356.10 Td (closed ) Tj ET Q q 0 0 0 rg BT 554.24 356.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 344.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 132.26 344.10 Td (with ) Tj ET Q q 0 0 0 rg BT 152.93 344.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.83 344.10 Td (T) Tj ET Q q 0 0 0 rg BT 173.24 344.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 196.67 344.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 228.45 344.10 Td (mer) Tj ET Q q 0 0 0 rg BT 243.81 344.10 Td (ger) Tj ET Q q 0 0 0 rg BT 256.03 344.10 Td (. ) Tj ET Q q 0 0 0 rg BT 261.42 344.10 Td ( ) Tj ET Q q 0 0 0 rg BT 263.67 344.10 Td (As ) Tj ET Q q 0 0 0 rg BT 277.67 344.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 318.89 344.10 Td (above ) Tj ET Q q 0 0 0 rg BT 345.66 344.10 Td (in ) Tj ET Q q 0 0 0 rg BT 356.33 344.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.43 344.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 420.98 344.10 Td (of ) Tj ET Q q 0 0 0 rg BT 432.20 344.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 455.09 344.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.76 344.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 491.15 344.10 Td (a ) Tj ET Q q 0 0 0 rg BT 498.47 344.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 530.25 344.10 Td (of ) Tj ET Q q 0 0 0 rg BT 541.47 344.10 Td (these ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 332.10 Td (char) Tj ET Q q 0 0 0 rg BT 102.53 332.10 Td (ges ) Tj ET Q q 0 0 0 rg BT 118.36 332.10 Td (were ) Tj ET Q q 0 0 0 rg BT 140.29 332.10 Td (reversed ) Tj ET Q q 0 0 0 rg BT 176.65 332.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.93 332.10 Td (2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 320.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 320.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.78 320.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 121.18 320.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 167.88 320.10 Td (on ) Tj ET Q q 0 0 0 rg BT 180.73 320.10 Td (other ) Tj ET Q q 0 0 0 rg BT 204.11 320.10 Td (real ) Tj ET Q q 0 0 0 rg BT 221.94 320.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 247.54 320.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 277.04 320.10 Td (and ) Tj ET Q q 0 0 0 rg BT 294.32 320.10 Td (other ) Tj ET Q q 0 0 0 rg BT 317.71 320.10 Td (related ) Tj ET Q q 0 0 0 rg BT 347.75 320.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 382.80 320.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 425.06 320.10 Td (due ) Tj ET Q q 0 0 0 rg BT 442.34 320.10 Td (to ) Tj ET Q q 0 0 0 rg BT 452.96 320.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 478.57 320.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 505.30 320.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 552.00 320.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 308.10 Td (other ) Tj ET Q q 0 0 0 rg BT 108.55 308.10 Td (real ) Tj ET Q q 0 0 0 rg BT 126.03 308.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 151.30 308.10 Td (owned.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 296.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 296.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 111.05 296.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 151.59 296.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 186.58 296.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 228.77 296.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 268.76 296.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.87 296.10 Td (a ) Tj ET Q q 0 0 0 rg BT 287.09 296.10 Td (result ) Tj ET Q q 0 0 0 rg BT 312.09 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.20 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.20 296.10 Td (reversal ) Tj ET Q q 0 0 0 rg BT 372.62 296.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.73 296.10 Td (an ) Tj ET Q q 0 0 0 rg BT 395.95 296.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 427.59 296.10 Td (for ) Tj ET Q q 0 0 0 rg BT 442.03 296.10 Td (a ) Tj ET Q q 0 0 0 rg BT 449.25 296.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 487.02 296.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 532.01 296.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 550.35 296.10 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 284.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 122.55 284.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.94 284.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 179.43 284.10 Td (with ) Tj ET Q q 0 0 0 rg BT 199.82 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.46 284.10 Td (T) Tj ET Q q 0 0 0 rg BT 219.87 284.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 243.03 284.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 274.53 284.10 Td (mer) Tj ET Q q 0 0 0 rg BT 289.90 284.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 305.28 284.10 Td (that ) Tj ET Q q 0 0 0 rg BT 322.89 284.10 Td (was ) Tj ET Q q 0 0 0 rg BT 341.05 284.10 Td (no ) Tj ET Q q 0 0 0 rg BT 353.67 284.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 381.83 284.10 Td (required. ) Tj ET Q q 0 0 0 rg BT 420.07 284.10 Td (This ) Tj ET Q q 0 0 0 rg BT 440.46 284.10 Td (was ) Tj ET Q q 0 0 0 rg BT 458.63 284.10 Td (for ) Tj ET Q q 0 0 0 rg BT 472.90 284.10 Td (a ) Tj ET Q q 0 0 0 rg BT 479.95 284.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 524.78 284.10 Td (disclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 272.10 Td (matter ) Tj ET Q q 0 0 0 rg BT 113.07 272.10 Td (related ) Tj ET Q q 0 0 0 rg BT 142.29 272.10 Td (to ) Tj ET Q q 0 0 0 rg BT 152.10 272.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.56 272.10 Td (former ) Tj ET Q q 0 0 0 rg BT 187.79 272.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 218.71 272.10 Td (program ) Tj ET Q q 0 0 0 rg BT 254.61 272.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 303.85 272.10 Td (that ) Tj ET Q q 0 0 0 rg BT 320.72 272.10 Td (T) Tj ET Q q 0 0 0 rg BT 326.13 272.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 348.70 272.10 Td (Capital) Tj ET Q q 0 0 0 rg BT 380.36 272.10 Td (s ) Tj ET Q q 0 0 0 rg BT 386.28 272.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 429.41 272.10 Td (bank, ) Tj ET Q q 0 0 0 rg BT 453.38 272.10 Td (Cole ) Tj ET Q q 0 0 0 rg BT 474.14 272.10 Td (T) Tj ET Q q 0 0 0 rg BT 479.55 272.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 502.13 272.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 527.76 272.10 Td (had ) Tj ET Q q 0 0 0 rg BT 544.22 272.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 260.10 Td (an ) Tj ET Q q 0 0 0 rg BT 97.52 260.10 Td (or) Tj ET Q q 0 0 0 rg BT 105.67 260.10 Td (ganization ) Tj ET Q q 0 0 0 rg BT 149.89 260.10 Td (that ) Tj ET Q q 0 0 0 rg BT 167.47 260.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 204.48 260.10 Td (electronic ) Tj ET Q q 0 0 0 rg BT 246.48 260.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 284.04 260.10 Td (disbursements ) Tj ET Q q 0 0 0 rg BT 343.83 260.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.85 260.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 397.86 260.10 Td (services ) Tj ET Q q 0 0 0 rg BT 432.65 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 443.00 260.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.80 260.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 485.92 260.10 Td (education ) Tj ET Q q 0 0 0 rg BT 527.38 260.10 Td (industry) Tj ET Q q 0 0 0 rg BT 559.50 260.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.50 260.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 248.10 Td (This ) Tj ET Q q 0 0 0 rg BT 106.09 248.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 143.32 248.10 Td (was ) Tj ET Q q 0 0 0 rg BT 161.69 248.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 197.82 248.10 Td (of) Tj ET Q q 0 0 0 rg BT 205.97 248.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 223.23 248.10 Td (by ) Tj ET Q q 0 0 0 rg BT 236.04 248.10 Td (an ) Tj ET Q q 0 0 0 rg BT 248.30 248.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 283.86 248.10 Td (in ) Tj ET Q q 0 0 0 rg BT 294.46 248.10 Td (filing ) Tj ET Q q 0 0 0 rg BT 318.94 248.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.19 248.10 Td (other ) Tj ET Q q 0 0 0 rg BT 359.55 248.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 379.58 248.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 414.61 248.10 Td (and ) Tj ET Q q 0 0 0 rg BT 431.86 248.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 460.22 248.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 485.82 248.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 536.96 248.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.22 248.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 236.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.33 236.10 Td (lar) Tj ET Q q 0 0 0 rg BT 111.70 236.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 126.96 236.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 160.00 236.10 Td (sheet.) 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Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 586.17 Td (975) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 573.17 Td (Total merger related and repositioning expenses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.50 573.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 573.17 Td (23,712) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.50 573.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 573.17 Td (5,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.50 573.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 573.17 Td (45,423) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 556.18 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 552.10 Td (Resides ) Tj ET Q q 0 0 0 rg BT 115.75 552.10 Td (in ) Tj ET Q q 0 0 0 rg BT 125.00 552.10 Td (other ) Tj ET Q q 0 0 0 rg BT 145.74 552.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 181.98 552.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 216.72 552.10 Td (in ) Tj ET Q q 0 0 0 rg BT 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0 0 0 rg BT 510.04 516.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 533.13 516.10 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 504.10 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 504.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 79.04 504.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.88 504.10 Td (contingent ) Tj ET Q q 0 0 0 rg BT 138.50 504.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 193.77 504.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 227.38 504.10 Td (related ) Tj ET Q q 0 0 0 rg BT 255.99 504.10 Td (to ) Tj ET Q q 0 0 0 rg BT 265.17 504.10 Td (our ) Tj ET Q q 0 0 0 rg BT 279.91 504.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 325.19 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 334.92 504.10 Td (Celtic. ) Tj ET Q q 0 0 0 rg BT 362.71 504.10 Td ( ) Tj ET Q q 0 0 0 rg BT 364.11 504.10 Td (In ) Tj ET Q q 0 0 0 rg BT 373.85 504.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 397.75 504.10 Td (mer) Tj ET Q q 0 0 0 rg BT 413.12 504.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 427.29 504.10 Td (related ) Tj ET Q q 0 0 0 rg BT 455.90 504.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.74 504.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 525.92 504.10 Td (expenses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 492.10 Td (mostly ) Tj ET Q q 0 0 0 rg BT 78.83 492.10 Td (included ) Tj ET Q q 0 0 0 rg BT 115.37 492.10 Td (professional ) Tj ET Q q 0 0 0 rg BT 166.35 492.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.89 492.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 204.43 492.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 238.74 492.10 Td (related ) Tj ET Q q 0 0 0 rg BT 268.05 492.10 Td (to ) Tj ET Q q 0 0 0 rg BT 277.93 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.25 492.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 338.24 492.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.67 492.10 Td (MSA) Tj ET Q q 0 0 0 rg BT 369.80 492.10 Td ( ) Tj ET Q q 0 0 0 rg BT 371.90 492.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.45 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 402.30 492.10 Td (American ) Tj ET Q q 0 0 0 rg BT 443.83 492.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 485.36 492.10 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0 rg BT 347.43 468.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 379.28 468.10 Td (mer) Tj ET Q q 0 0 0 rg BT 394.65 468.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 410.38 468.10 Td (that ) Tj ET Q q 0 0 0 rg BT 428.34 468.10 Td (we ) Tj ET Q q 0 0 0 rg BT 442.97 468.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 482.03 468.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 513.86 468.10 Td (is ) Tj ET Q q 0 0 0 rg BT 523.50 468.10 Td (no ) Tj ET Q q 0 0 0 rg BT 536.46 468.10 Td (longer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 456.10 Td (required. ) Tj ET Q q 0 0 0 rg BT 88.54 456.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.77 456.10 Td (In ) Tj ET Q q 0 0 0 rg BT 103.33 456.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 129.06 456.10 Td (mer) Tj ET Q q 0 0 0 rg BT 144.43 456.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 160.43 456.10 Td (related ) Tj ET Q q 0 0 0 rg BT 190.86 456.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.52 456.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 264.53 456.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 303.85 456.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 344.29 456.10 Td (included ) Tj ET Q q 0 0 0 rg BT 381.96 456.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 405.19 456.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 441.73 456.10 Td (in ) Tj ET Q q 0 0 0 rg BT 452.74 456.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 499.84 456.10 Td (with ) Tj ET Q q 0 0 0 rg BT 520.85 456.10 Td (the ) Tj ET Q q 0 0 0 rg BT 536.06 456.10 Td (T) Tj ET Q q 0 0 0 rg BT 541.47 456.10 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 444.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 80.88 444.10 Td (mer) Tj ET Q q 0 0 0 rg BT 96.25 444.10 Td (ger) Tj ET Q q 0 0 0 rg BT 108.46 444.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 420.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 83.48 420.10 Td (T) Tj ET Q q 0 0 0 rg BT 89.23 420.10 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 396.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 396.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 118.51 396.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 133.75 396.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 168.98 396.10 Td (for ) Tj ET Q q 0 0 0 rg BT 183.67 396.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.91 396.10 Td (year ) Tj ET Q q 0 0 0 rg BT 219.14 396.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.04 396.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 305.15 396.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 396.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.17 396.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.75 396.10 Td ($79.2 ) Tj ET Q q 0 0 0 rg BT 372.27 396.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.16 396.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.18 396.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 446.63 396.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.43 396.10 Td ($73.2 ) Tj ET Q q 0 0 0 rg BT 482.96 396.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.85 396.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.87 396.10 Td (for ) Tj ET Q q 0 0 0 rg BT 529.56 396.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 396.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 384.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.84 384.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.39 384.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.39 384.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.75 384.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.76 384.10 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.52 384.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.98 384.10 Td (was ) Tj ET Q q 0 0 0 rg BT 227.00 384.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 265.67 384.10 Td (due ) Tj ET Q q 0 0 0 rg BT 281.58 384.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.82 384.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.72 384.10 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.48 384.10 Td ( ) Tj ET Q q 0 0 0 rg BT 335.94 384.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.19 384.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.98 384.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 389.76 384.10 Td (income ) Tj ET Q q 0 0 0 rg BT 420.66 384.10 Td (during ) Tj ET Q q 0 0 0 rg BT 448.23 384.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.91 384.10 Td (year ) Tj ET Q q 0 0 0 rg BT 480.59 384.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 384.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 372.10 Td ( ) Tj ET Q q 0 0 0 rg BT 71.94 372.10 Td (partially ) Tj ET Q q 0 0 0 rg BT 107.71 372.10 Td (of) Tj ET Q q 0 0 0 rg BT 115.86 372.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 132.74 372.10 Td (by ) Tj ET Q q 0 0 0 rg BT 145.18 372.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.84 372.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 179.79 372.10 Td (million ) Tj ET Q q 0 0 0 rg BT 211.12 372.10 Td (income ) Tj ET Q q 0 0 0 rg BT 243.00 372.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 257.66 372.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 287.87 372.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 331.41 372.10 Td (with ) Tj ET Q q 0 0 0 rg BT 351.63 372.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 401.28 372.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 459.27 372.10 Td (as ) Tj ET Q q 0 0 0 rg BT 470.04 372.10 Td (a ) Tj ET Q q 0 0 0 rg BT 476.92 372.10 Td (result ) Tj ET Q q 0 0 0 rg BT 501.58 372.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.36 372.10 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 372.10 Td (adoption ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 360.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.93 360.10 Td (new ) Tj ET Q q 0 0 0 rg BT 80.69 360.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 134.33 360.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 181.31 360.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 220.50 360.10 Td (under ) Tj ET Q q 0 0 0 rg BT 245.69 360.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 268.02 360.10 Td (T) Tj ET Q q 0 0 0 rg BT 273.43 360.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 293.75 360.10 Td (718 ) Tj ET Q q 0 0 0 rg BT 311.85 360.10 Td ("Compensation ) Tj ET Q q 0 0 0 rg BT 376.81 360.10 Td (- ) Tj ET Q q 0 0 0 rg BT 383.24 360.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 409.12 360.10 Td (Compensation" ) Tj ET Q q 0 0 0 rg BT 474.08 360.10 Td (in ) Tj ET Q q 0 0 0 rg BT 484.96 360.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.28 360.10 Td (third ) Tj ET Q q 0 0 0 rg BT 522.27 360.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 553.68 360.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td (2016. ) Tj ET Q q 0 0 0 rg BT 74.77 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.54 348.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 95.86 348.10 Td (ef) Tj ET Q q 0 0 0 rg BT 103.45 348.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 133.42 348.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 148.41 348.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 166.16 348.10 Td (decreased ) Tj ET Q q 0 0 0 rg BT 208.35 348.10 Td (slightly ) Tj ET Q q 0 0 0 rg BT 241.12 348.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.67 348.10 Td (31.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.50 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.27 348.10 Td (for ) Tj ET Q q 0 0 0 rg BT 294.70 348.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.69 348.10 Td (year ) Tj ET Q q 0 0 0 rg BT 329.67 348.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.31 348.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 415.17 348.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.17 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 437.94 348.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.15 348.10 Td (31.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.98 348.10 Td ( ) Tj ET Q q 0 0 0 rg BT 488.75 348.10 Td (for ) Tj ET Q q 0 0 0 rg BT 503.18 348.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.16 348.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.14 348.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.82 336.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.82 336.10 Td (. ) Tj ET Q q 0 0 0 rg BT 132.56 336.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.80 336.10 Td (In ) Tj ET Q q 0 0 0 rg BT 145.38 336.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 182.89 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.35 336.10 Td (ef) Tj ET Q q 0 0 0 rg BT 204.93 336.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 234.38 336.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 248.83 336.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 266.06 336.10 Td (was ) Tj ET Q q 0 0 0 rg BT 283.85 336.10 Td (less ) Tj ET Q q 0 0 0 rg BT 301.09 336.10 Td (than ) Tj ET Q q 0 0 0 rg BT 320.55 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.00 336.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 372.24 336.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 389.47 336.10 Td (for ) Tj ET Q q 0 0 0 rg BT 403.37 336.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.82 336.10 Td (years ) Tj ET Q q 0 0 0 rg BT 441.16 336.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 467.28 336.10 Td (December ) Tj ET Q q 0 0 0 rg BT 510.60 336.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 525.34 336.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 547.58 336.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (December ) Tj ET Q q 0 0 0 rg BT 93.08 324.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 108.08 324.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 133.08 324.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 172.80 324.10 Td (due ) Tj ET Q q 0 0 0 rg BT 189.73 324.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.01 324.10 Td (non-taxable ) Tj ET Q q 0 0 0 rg BT 249.71 324.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 296.10 324.10 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 312.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 300.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 118.51 300.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 133.75 300.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 168.98 300.10 Td (for ) Tj ET Q q 0 0 0 rg BT 183.67 300.10 Td (the ) Tj ET Q q 0 0 0 rg BT 198.91 300.10 Td (year ) Tj ET Q q 0 0 0 rg BT 219.14 300.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.04 300.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 305.15 300.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.15 300.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.17 300.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.75 300.10 Td ($73.2 ) Tj ET Q q 0 0 0 rg BT 372.27 300.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.16 300.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.18 300.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 446.63 300.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.43 300.10 Td ($37.2 ) Tj ET Q q 0 0 0 rg BT 482.96 300.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.85 300.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.87 300.10 Td (for ) Tj ET Q q 0 0 0 rg BT 529.56 300.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 300.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 288.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.84 288.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.39 288.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.39 288.10 Td (. ) Tj ET Q q 0 0 0 rg BT 158.75 288.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.76 288.10 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.52 288.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.98 288.10 Td (was ) Tj ET Q q 0 0 0 rg BT 227.00 288.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 265.67 288.10 Td (due ) Tj ET Q q 0 0 0 rg BT 281.58 288.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.82 288.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.72 288.10 Td (increase) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.48 288.10 Td ( ) Tj ET Q q 0 0 0 rg BT 335.94 288.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.19 288.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.98 288.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 389.76 288.10 Td (income ) Tj ET Q q 0 0 0 rg BT 420.66 288.10 Td (during ) Tj ET Q q 0 0 0 rg BT 448.23 288.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.91 288.10 Td (year ) Tj ET Q q 0 0 0 rg BT 480.59 288.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 288.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 276.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 276.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.66 276.10 Td (The ) Tj ET Q q 0 0 0 rg BT 94.53 276.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 134.62 276.10 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 165.26 276.10 Td (income ) Tj ET Q q 0 0 0 rg BT 197.02 276.10 Td (was ) Tj ET Q q 0 0 0 rg BT 214.90 276.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 254.44 276.10 Td (taxable ) Tj ET Q q 0 0 0 rg BT 285.64 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.75 276.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 323.06 276.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 360.39 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 370.49 276.10 Td (an ) Tj ET Q q 0 0 0 rg BT 382.26 276.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 417.34 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 427.45 276.10 Td (our ) Tj ET Q q 0 0 0 rg BT 443.10 276.10 Td (ef) Tj ET Q q 0 0 0 rg BT 450.69 276.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 480.22 276.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 494.77 276.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 512.08 276.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.19 276.10 Td (31.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.02 276.10 Td ( ) Tj ET Q q 0 0 0 rg BT 550.35 276.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.15 264.10 Td (year ) Tj ET Q q 0 0 0 rg BT 83.80 264.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.11 264.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 168.63 264.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.63 264.10 Td ( ) Tj ET Q q 0 0 0 rg BT 191.07 264.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 232.93 264.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.14 264.10 Td (30.2%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.97 264.10 Td ( ) Tj ET Q q 0 0 0 rg BT 271.41 264.10 Td (for ) Tj ET Q q 0 0 0 rg BT 285.51 264.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.16 264.10 Td (year ) Tj ET Q q 0 0 0 rg BT 319.80 264.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.12 264.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 404.64 264.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.64 264.10 Td (. ) Tj ET Q q 0 0 0 rg BT 429.57 264.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.01 264.10 Td (In ) Tj ET Q q 0 0 0 rg BT 442.78 264.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 480.49 264.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.14 264.10 Td (ef) Tj ET Q q 0 0 0 rg BT 502.73 264.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 532.37 264.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 547.02 264.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 252.10 Td (was ) Tj ET Q q 0 0 0 rg BT 68.20 252.10 Td (less ) Tj ET Q q 0 0 0 rg BT 86.35 252.10 Td (than ) Tj ET Q q 0 0 0 rg BT 106.71 252.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.07 252.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 160.22 252.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 178.35 252.10 Td (for ) Tj ET Q q 0 0 0 rg BT 193.15 252.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.52 252.10 Td (years ) Tj ET Q q 0 0 0 rg BT 232.76 252.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 259.79 252.10 Td (December ) Tj ET Q q 0 0 0 rg BT 304.02 252.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 319.67 252.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 342.81 252.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.40 252.10 Td (December ) Tj ET Q q 0 0 0 rg BT 404.63 252.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 420.28 252.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 445.92 252.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 486.28 252.10 Td (due ) Tj ET Q q 0 0 0 rg BT 503.87 252.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.79 252.10 Td (non-taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 240.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 95.88 240.10 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 228.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 216.10 Td (As ) Tj ET Q q 0 0 0 rg BT 98.43 216.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 142.46 216.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 167.59 216.10 Td (in ) Tj ET Q q 0 0 0 rg BT 177.19 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.22 216.10 Td (Critical ) Tj ET Q q 0 0 0 rg BT 227.06 216.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 275.52 216.10 Td (Policies ) Tj ET Q q 0 0 0 rg BT 313.44 216.10 Td (section ) Tj ET Q q 0 0 0 rg BT 343.58 216.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 371.77 216.10 Td (income ) Tj ET Q q 0 0 0 rg BT 403.02 216.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 417.05 216.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 451.07 216.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 487.85 216.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.45 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.48 216.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 204.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 90.81 204.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.14 204.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 146.79 204.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 183.67 204.10 Td (interpretation ) Tj ET Q q 0 0 0 rg BT 240.53 204.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.97 204.10 Td (application ) Tj ET Q q 0 0 0 rg BT 305.39 204.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.71 204.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 346.91 204.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 393.78 204.10 Td (pronouncements ) Tj ET Q q 0 0 0 rg BT 462.87 204.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.30 204.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 511.05 204.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.48 204.10 Td (state ) Tj ET Q q 0 0 0 rg BT 549.80 204.10 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.10 Td (codes, ) Tj ET Q q 0 0 0 rg BT 77.19 192.10 Td (and ) Tj ET Q q 0 0 0 rg BT 94.05 192.10 Td (is, ) Tj ET Q q 0 0 0 rg BT 105.64 192.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 146.64 192.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 192.38 192.10 Td (a ) Tj ET Q q 0 0 0 rg BT 199.24 192.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 229.42 192.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 275.71 192.10 Td (policy) Tj ET Q q 0 0 0 rg BT 300.06 192.10 Td (. ) Tj ET Q q 0 0 0 rg BT 307.48 192.10 Td (See ) Tj ET Q q 0 0 0 rg BT 324.34 192.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 346.20 192.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 353.62 192.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.48 192.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 392.34 192.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 404.76 192.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.51 192.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.15 192.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 453.68 192.10 Td (to ) Tj ET Q q 0 0 0 rg BT 463.88 192.10 Td (our ) Tj ET Q q 0 0 0 rg BT 479.63 192.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 511.48 192.10 Td (consolidated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 180.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.98 180.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 131.69 180.10 Td (for ) Tj ET Q q 0 0 0 rg BT 145.85 180.10 Td (our ) Tj ET Q q 0 0 0 rg BT 161.68 180.10 Td (income ) Tj ET Q q 0 0 0 rg BT 193.62 180.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 208.33 180.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 254.71 180.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 282.20 180.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.14 180.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 341.63 180.10 Td (income ) Tj ET Q q 0 0 0 rg BT 373.56 180.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 388.28 180.10 Td (information.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 156.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 95.89 156.10 Td (Segments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 132.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.85 132.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 149.23 132.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 192.69 132.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 222.27 132.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.41 132.10 Td (three ) Tj ET Q q 0 0 0 rg BT 254.20 132.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 296.53 132.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 336.10 132.10 Td (segments: ) Tj ET Q q 0 0 0 rg BT 377.90 132.10 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 416.09 132.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 449.54 132.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.79 132.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 506.47 132.10 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 544.66 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 132.10 Td (Our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 120.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 84.78 120.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 121.17 120.10 Td (generates ) Tj ET Q q 0 0 0 rg BT 160.33 120.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 197.26 120.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 235.87 120.10 Td (from ) Tj ET Q q 0 0 0 rg BT 256.70 120.10 Td (its ) Tj ET Q q 0 0 0 rg BT 267.55 120.10 Td (lending, ) Tj ET Q q 0 0 0 rg BT 301.44 120.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 331.72 120.10 Td (gathering ) Tj ET Q q 0 0 0 rg BT 370.88 120.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.72 120.10 Td (fee ) Tj ET Q q 0 0 0 rg BT 400.32 120.10 Td (business ) Tj ET Q q 0 0 0 rg BT 435.61 120.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 475.60 120.10 Td ( ) Tj ET Q q 0 0 0 rg BT 477.00 120.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 493.95 120.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 527.00 120.10 Td (Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 108.10 Td (generates ) Tj ET Q q 0 0 0 rg BT 90.19 108.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 128.66 108.10 Td (through ) Tj ET Q q 0 0 0 rg BT 162.70 108.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 185.61 108.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 236.32 108.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.69 108.10 Td (related ) Tj ET Q q 0 0 0 rg BT 283.82 108.10 Td (services ) Tj ET Q q 0 0 0 rg BT 318.96 108.10 Td (of) Tj ET Q q 0 0 0 rg BT 327.11 108.10 Td (fered ) Tj ET Q q 0 0 0 rg BT 350.58 108.10 Td (through ) Tj ET Q q 0 0 0 rg BT 384.62 108.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.77 108.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 447.28 108.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 478.54 108.10 Td (subsidiaries: ) Tj ET Q q 0 0 0 rg BT 531.47 108.10 Td (LaSalle ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 96.10 Td (Systems ) Tj ET Q q 0 0 0 rg BT 86.40 96.10 Td (Leasing, ) Tj ET Q q 0 0 0 rg BT 124.12 96.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 145.46 96.10 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 172.90 96.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 208.12 96.10 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 234.19 96.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.19 96.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 271.32 96.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 318.76 96.10 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 356.48 96.10 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 381.43 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 385.00 96.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 404.11 96.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 446.56 96.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 484.01 96.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 522.57 96.10 Td (originates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 84.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 92.93 84.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 132.47 84.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 155.35 84.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.79 84.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 186.12 84.10 Td (to ) Tj ET Q q 0 0 0 rg BT 195.67 84.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 233.56 84.10 Td (through ) Tj ET Q q 0 0 0 rg BT 266.44 84.10 Td (its ) Tj ET Q q 0 0 0 rg BT 277.67 84.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 299.99 84.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.20 84.10 Td (third ) Tj ET Q q 0 0 0 rg BT 336.87 84.10 Td (party ) Tj ET Q q 0 0 0 rg BT 359.19 84.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 404.85 84.10 Td (channels ) Tj ET Q q 0 0 0 rg BT 441.61 84.10 Td (as ) Tj ET Q q 0 0 0 rg BT 451.72 84.10 Td (well ) Tj ET Q q 0 0 0 rg BT 470.72 84.10 Td (as ) Tj ET Q q 0 0 0 rg BT 480.82 84.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 524.25 84.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 72.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 72.67 72.10 Td (held ) Tj ET Q q 0 0 0 rg BT 91.95 72.10 Td (in ) Tj ET Q q 0 0 0 rg BT 101.79 72.10 Td (our ) Tj ET Q q 0 0 0 rg BT 117.18 72.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 136.45 72.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 176.01 72.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.92 72.10 Td (The ) Tj ET Q q 0 0 0 rg BT 195.53 72.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 236.47 72.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 272.41 72.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 309.47 72.10 Td (also ) Tj ET Q q 0 0 0 rg BT 327.64 72.10 Td (services ) Tj ET Q q 0 0 0 rg BT 361.90 72.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 405.62 72.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 445.44 72.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.61 72.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 497.33 72.10 Td (by ) Tj ET Q q 0 0 0 rg BT 509.39 72.10 Td (investors ) Tj ET Q q 0 0 0 rg BT 547.56 72.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 60.10 Td (Company) Tj ET Q q 0 0 0 rg BT 102.45 60.10 Td (. ) Tj ET Q endstream endobj 93 0 obj <> endobj 94 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 742.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 101.89 742.10 Td (income ) Tj ET Q q 0 0 0 rg BT 133.28 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 154.67 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 169.95 742.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 205.79 742.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 242.74 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 256.35 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 270.52 742.10 Td (year ) Tj ET Q q 0 0 0 rg BT 289.68 742.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 315.50 742.10 Td (December ) Tj ET Q q 0 0 0 rg BT 358.54 742.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.99 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.99 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.95 742.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.70 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.65 742.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 476.03 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.76 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.93 742.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 521.32 742.10 Td (year) Tj ET Q q 0 0 0 rg BT 537.97 742.10 Td (. ) Tj ET Q q 0 0 0 rg BT 542.42 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.24 742.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 84.51 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 94.54 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 109.01 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 140.70 730.10 Td (was ) Tj ET Q q 0 0 0 rg BT 158.51 730.10 Td (due ) Tj ET Q q 0 0 0 rg BT 175.20 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.24 730.10 Td (an ) Tj ET Q q 0 0 0 rg BT 196.93 730.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 231.94 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 241.97 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 256.44 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 288.13 730.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 322.32 730.10 Td (driven ) Tj ET Q q 0 0 0 rg BT 350.12 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 362.38 730.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 392.96 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 402.99 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 418.58 730.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 446.93 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 466.40 730.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 503.65 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.34 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.81 730.10 Td (impact ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 59.97 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.32 718.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 105.89 718.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 138.01 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 163.47 718.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 200.03 718.10 Td (through ) Tj ET Q q 0 0 0 rg BT 233.27 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.16 718.10 Td (American ) Tj ET Q q 0 0 0 rg BT 288.71 718.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 330.27 718.10 Td (mer) Tj ET Q q 0 0 0 rg BT 345.64 718.10 Td (ger) Tj ET Q q 0 0 0 rg BT 358.01 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 362.64 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.22 718.10 Td (an ) Tj ET Q q 0 0 0 rg BT 390.79 718.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 425.68 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.59 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 458.28 718.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 508.17 718.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 542.24 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.22 718.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 84.32 706.10 Td (was ) Tj ET Q q 0 0 0 rg BT 101.93 706.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 127.32 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 135.47 706.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 151.97 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 164.03 706.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 191.64 706.10 Td (salaries ) Tj ET Q q 0 0 0 rg BT 223.69 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.19 706.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 281.13 706.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 314.85 706.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 349.12 706.10 Td (due ) Tj ET Q q 0 0 0 rg BT 365.62 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.46 706.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 404.18 706.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 420.68 706.10 Td (increases, ) Tj ET Q q 0 0 0 rg BT 461.89 706.10 Td (new ) Tj ET Q q 0 0 0 rg BT 480.61 706.10 Td (hires, ) Tj ET Q q 0 0 0 rg BT 504.61 706.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 544.43 706.10 Td (staf) Tj ET Q q 0 0 0 rg BT 558.69 706.10 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (from ) Tj ET Q q 0 0 0 rg BT 70.92 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.68 694.10 Td (American ) Tj ET Q q 0 0 0 rg BT 126.09 694.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 167.49 694.10 Td (mer) Tj ET Q q 0 0 0 rg BT 182.86 694.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 197.61 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.03 694.10 Td (bonus ) Tj ET Q q 0 0 0 rg BT 239.90 694.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 274.09 694.10 Td (based ) Tj ET Q q 0 0 0 rg BT 298.84 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 310.82 694.10 Td (company ) Tj ET Q q 0 0 0 rg BT 349.46 694.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 401.96 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.38 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.58 694.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 467.31 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 477.07 694.10 Td (staf) Tj ET Q q 0 0 0 rg BT 491.33 694.10 Td (f ) Tj ET Q q 0 0 0 rg BT 496.64 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 506.96 694.10 Td (well ) Tj ET Q q 0 0 0 rg BT 526.15 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 536.46 694.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 682.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 80.13 682.10 Td (related ) Tj ET Q q 0 0 0 rg BT 109.84 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.78 682.10 Td (repositioning ) Tj ET Q q 0 0 0 rg BT 182.05 682.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 220.65 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.93 682.10 Td (2016. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 658.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.02 658.10 Td (income ) Tj ET Q q 0 0 0 rg BT 133.54 658.10 Td (from ) Tj ET Q q 0 0 0 rg BT 155.07 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.48 658.10 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 204.22 658.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 241.30 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.05 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.35 658.10 Td (year ) Tj ET Q q 0 0 0 rg BT 288.64 658.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 314.60 658.10 Td (December ) Tj ET Q q 0 0 0 rg BT 357.77 658.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.36 658.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.36 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.44 658.10 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.85 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 435.94 658.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 477.45 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.31 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 501.61 658.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 523.14 658.10 Td (year) Tj ET Q q 0 0 0 rg BT 539.79 658.10 Td (. ) Tj ET Q q 0 0 0 rg BT 544.23 658.10 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 85.80 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.46 646.10 Td (net ) Tj ET Q q 0 0 0 rg BT 109.56 646.10 Td (income ) Tj ET Q q 0 0 0 rg BT 140.88 646.10 Td (was ) Tj ET Q q 0 0 0 rg BT 158.31 646.10 Td (due ) Tj ET Q q 0 0 0 rg BT 174.64 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.30 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 190.62 646.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 226.92 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.58 646.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 258.45 646.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 298.10 646.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 335.52 646.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 372.40 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 393.72 646.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 418.37 646.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 451.91 646.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 474.90 646.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 500.11 646.10 Td (of) Tj ET Q q 0 0 0 rg BT 508.26 646.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 524.58 646.10 Td (by ) Tj ET Q q 0 0 0 rg BT 536.47 646.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.10 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 90.04 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.75 634.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 122.80 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.63 634.10 Td (third-party ) Tj ET Q q 0 0 0 rg BT 178.89 634.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 223.61 634.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 276.63 634.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 315.23 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 326.06 634.10 Td (well ) Tj ET Q q 0 0 0 rg BT 345.77 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 356.60 634.10 Td (an ) Tj ET Q q 0 0 0 rg BT 368.54 634.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 403.80 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.08 634.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 436.01 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.95 634.10 Td (other ) Tj ET Q q 0 0 0 rg BT 475.99 634.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 516.26 634.10 Td (expenses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 610.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 101.99 610.10 Td (income ) Tj ET Q q 0 0 0 rg BT 133.48 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 154.97 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 170.35 610.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 211.28 610.10 Td (Banking ) Tj ET Q q 0 0 0 rg BT 247.22 610.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 284.27 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 297.99 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.26 610.10 Td (year ) Tj ET Q q 0 0 0 rg BT 331.52 610.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 357.45 610.10 Td (December ) Tj ET Q q 0 0 0 rg BT 400.58 610.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.14 610.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.14 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.19 610.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.94 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 477.00 610.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 518.47 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.31 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.58 610.10 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (year) Tj ET Q q 0 0 0 rg BT 66.16 598.10 Td (. ) Tj ET Q q 0 0 0 rg BT 71.08 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 73.33 598.10 Td (This ) Tj ET Q q 0 0 0 rg BT 93.54 598.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 128.72 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.92 598.10 Td (net ) Tj ET Q q 0 0 0 rg BT 153.56 598.10 Td (income ) Tj ET Q q 0 0 0 rg BT 185.42 598.10 Td (was ) Tj ET Q q 0 0 0 rg BT 203.40 598.10 Td (due ) Tj ET Q q 0 0 0 rg BT 220.26 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 230.47 598.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 258.44 598.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 278.08 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 290.51 598.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 308.48 598.10 Td (mar) Tj ET Q q 0 0 0 rg BT 323.85 598.10 Td (gin ) Tj ET Q q 0 0 0 rg BT 339.05 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 355.92 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 367.78 598.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 402.96 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 413.16 598.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 452.24 598.10 Td (fees, ) Tj ET Q q 0 0 0 rg BT 473.27 598.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 499.02 598.10 Td (of) Tj ET Q q 0 0 0 rg BT 507.17 598.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 524.03 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 536.46 598.10 Td (higher ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (salaries ) Tj ET Q q 0 0 0 rg BT 81.99 586.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 116.69 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.52 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.24 586.10 Td (result ) Tj ET Q q 0 0 0 rg BT 166.96 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.79 586.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 206.94 586.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 223.88 586.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 263.03 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.96 586.10 Td (new ) Tj ET Q q 0 0 0 rg BT 299.12 586.10 Td (hires, ) Tj ET Q q 0 0 0 rg BT 323.56 586.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 351.61 586.10 Td (commission ) Tj ET Q q 0 0 0 rg BT 402.44 586.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 437.15 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.09 586.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 482.14 586.10 Td (bonus ) Tj ET Q q 0 0 0 rg BT 508.53 586.10 Td (expense. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (Balance Sheet) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 550.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 538.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 538.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 108.39 538.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.21 538.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.97 538.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.46 538.10 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 194.45 538.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.56 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 225.55 538.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.37 538.10 Td (23.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.20 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 267.19 538.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.12 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 347.69 538.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.69 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 370.18 538.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.45 538.10 Td ($19.3 ) Tj ET Q q 0 0 0 rg BT 405.43 538.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.55 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 434.04 538.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.74 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 502.32 538.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.32 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.81 538.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.44 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 76.72 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.43 526.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 117.26 526.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 154.19 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 164.47 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.63 526.10 Td (American ) Tj ET Q q 0 0 0 rg BT 220.55 526.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 262.48 526.10 Td (mer) Tj ET Q q 0 0 0 rg BT 277.84 526.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 293.11 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.05 526.10 Td (or) Tj ET Q q 0 0 0 rg BT 318.20 526.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 342.36 526.10 Td (growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 502.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 502.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 110.10 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 129.13 502.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 151.50 502.10 Td (equivalents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 201.63 502.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.39 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.98 502.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.58 502.10 Td ($82.0 ) Tj ET Q q 0 0 0 rg BT 285.68 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.57 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 321.66 502.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.59 502.10 Td (21.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.42 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 367.52 502.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.55 502.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 452.23 502.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.23 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 476.83 502.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.20 502.10 Td ($463.5 ) Tj ET Q q 0 0 0 rg BT 521.30 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.19 502.10 Td ( ) 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 85.50 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 144.08 490.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.08 490.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 466.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 132.54 466.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.92 466.10 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 212.33 466.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.94 466.10 Td ($20.8 ) Tj ET Q q 0 0 0 rg BT 240.05 466.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.94 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 274.05 466.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.99 466.10 Td (0.7%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.82 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 310.93 466.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.97 466.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 391.67 466.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.67 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 414.27 466.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.66 466.10 Td ($2.9 ) Tj ET Q q 0 0 0 rg BT 444.77 466.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.88 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.49 466.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.32 466.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 466.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 454.10 Td (mostly ) Tj ET Q q 0 0 0 rg BT 115.23 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 126.06 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 133.00 454.10 Td (result ) Tj ET Q q 0 0 0 rg BT 157.71 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.54 454.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 206.58 454.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 247.41 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 259.91 454.10 Td (our ) Tj ET Q q 0 0 0 rg BT 275.74 454.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 347.65 454.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 430.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.10 Td (Gross ) Tj ET Q q 0 0 0 rg BT 111.72 430.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 138.22 430.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 180.54 430.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 223.97 430.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 288.49 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.49 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.81 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 353.81 430.10 Td (held ) Tj ET Q q 0 0 0 rg BT 373.92 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 388.46 430.10 Td (sale, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.40 430.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.15 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 450.04 430.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.37 430.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 531.34 430.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.34 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.23 430.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 144.20 418.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.20 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 166.81 418.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 179.43 418.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 199.54 418.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.65 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.77 418.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.71 418.10 Td (30.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.54 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 272.65 418.10 Td (due ) Tj ET Q q 0 0 0 rg BT 289.71 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 300.10 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.93 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 338.65 418.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 375.69 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 386.08 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.33 418.10 Td (American ) Tj ET Q q 0 0 0 rg BT 442.37 418.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 484.41 418.10 Td (mer) Tj ET Q q 0 0 0 rg BT 499.78 418.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 515.16 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 532.21 418.10 Td (or) Tj ET Q q 0 0 0 rg BT 540.36 418.10 Td (ganic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 406.10 Td (growth.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 382.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 382.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 111.32 382.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 164.09 382.10 Td (net, ) Tj ET Q q 0 0 0 rg BT 181.31 382.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 221.56 382.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.06 382.10 Td ($99.6 ) Tj ET Q q 0 0 0 rg BT 259.06 382.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.95 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 292.95 382.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.78 382.10 Td (47.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.61 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 334.61 382.10 Td (due ) Tj ET Q q 0 0 0 rg BT 351.55 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.83 382.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 402.08 382.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 452.36 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.19 382.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 503.45 382.10 Td (leases. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 358.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 358.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 125.78 358.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 166.03 358.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.53 358.10 Td ($276.0 ) Tj ET Q q 0 0 0 rg BT 208.53 358.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.42 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 242.42 358.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.25 358.10 Td (38.1%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.08 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 284.08 358.10 Td (due ) Tj ET Q q 0 0 0 rg BT 301.02 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 311.30 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.47 358.10 Td (American ) Tj ET Q q 0 0 0 rg BT 367.39 358.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 409.31 358.10 Td (mer) Tj ET Q q 0 0 0 rg BT 424.68 358.10 Td (ger) Tj ET Q q 0 0 0 rg BT 436.90 358.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 346.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 334.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 334.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 108.87 334.10 Td (liabilities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.06 334.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.81 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.78 334.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.75 334.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 223.22 334.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.33 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 254.80 334.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.10 334.10 Td (23.9%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.93 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 297.40 334.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.81 334.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 378.86 334.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.86 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 401.83 334.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.58 334.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 471.63 334.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.63 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 494.60 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 505.90 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 513.30 334.10 Td (result ) Tj ET Q q 0 0 0 rg BT 538.49 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 334.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 84.78 322.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 121.72 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.00 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.16 322.10 Td (American ) Tj ET Q q 0 0 0 rg BT 188.08 322.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 230.01 322.10 Td (mer) Tj ET Q q 0 0 0 rg BT 245.37 322.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 260.64 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 277.58 322.10 Td (or) Tj ET Q q 0 0 0 rg BT 285.73 322.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 309.89 322.10 Td (growth. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 298.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 110.51 298.10 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.88 298.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.64 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 190.24 298.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.84 298.10 Td ($2.6 ) Tj ET Q q 0 0 0 rg BT 226.94 298.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.05 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 260.15 298.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.08 298.10 Td (22.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.91 298.10 Td (, ) Tj ET Q q 0 0 0 rg BT 306.01 298.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.39 298.10 Td ($14.1 ) Tj ET Q q 0 0 0 rg BT 345.49 298.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.60 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.20 298.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.02 298.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 448.70 298.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.70 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.30 298.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.34 298.10 Td ($1) Tj ET Q q 0 0 0 rg BT 506.97 298.10 Td (1.5 ) Tj ET Q q 0 0 0 rg BT 524.07 298.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.19 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.79 298.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 286.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 145.03 286.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.03 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 170.98 286.10 Td (due ) Tj ET Q q 0 0 0 rg BT 188.86 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 200.09 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.75 286.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 251.98 286.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 289.87 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.09 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 315.99 286.10 Td (American ) Tj ET Q q 0 0 0 rg BT 358.87 286.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 401.74 286.10 Td (mer) Tj ET Q q 0 0 0 rg BT 417.10 286.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 433.32 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.20 286.10 Td (or) Tj ET Q q 0 0 0 rg BT 459.35 286.10 Td (ganic ) Tj ET Q q 0 0 0 rg BT 484.46 286.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 516.23 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.46 286.10 Td (low ) Tj ET Q q 0 0 0 rg BT 545.91 286.10 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 274.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 123.28 274.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 136.92 250.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 168.35 250.10 Td (deposits ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.56 250.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.32 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.75 250.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.19 250.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 272.13 250.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.24 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 302.18 250.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.95 250.10 Td (38.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.78 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 341.72 250.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.59 250.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 420.12 250.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.12 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 441.55 250.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.77 250.10 Td ($6.4 ) Tj ET Q q 0 0 0 rg BT 469.71 250.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.82 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.26 250.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 250.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 238.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.50 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 108.00 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.94 238.10 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.09 238.10 Td (45%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.42 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.92 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.75 238.10 Td (total ) Tj ET Q q 0 0 0 rg BT 221.03 238.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 256.31 238.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.02 238.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 324.61 238.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.61 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.11 238.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 389.03 238.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.31 238.10 Td (40%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.64 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.14 238.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.86 238.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 488.44 238.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.44 238.10 Td (. ) Tj ET Q q 0 0 0 rg BT 513.44 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 214.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 214.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 109.04 214.10 Td (borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.73 214.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.48 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 198.62 214.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.75 214.10 Td ($499.6 ) Tj ET Q q 0 0 0 rg BT 242.38 214.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.28 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 276.91 214.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.38 214.10 Td (31.4%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.21 214.10 Td (, ) Tj ET Q q 0 0 0 rg BT 319.84 214.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.75 214.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 351.39 214.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.50 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.64 214.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.99 214.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 450.21 214.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.21 214.10 Td (. ) Tj ET Q q 0 0 0 rg BT 475.84 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 478.75 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 497.43 214.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 533.32 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 544.23 214.10 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 202.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 133.55 202.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.60 202.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 191.32 202.10 Td (due ) Tj ET Q q 0 0 0 rg BT 208.25 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.53 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.25 202.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 268.50 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 278.78 202.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 322.94 202.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 351.00 202.10 Td (advances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 178.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 108.17 178.10 Td (stockholders) Tj ET Q q 0 0 0 rg BT 161.30 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.57 178.10 Td (equity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.83 178.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.58 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.85 178.10 Td ($491.9 ) Tj ET Q q 0 0 0 rg BT 260.61 178.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.50 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.77 178.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.25 178.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 359.60 178.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.60 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 381.86 178.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 423.55 178.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.59 178.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 491.94 178.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.94 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 514.21 178.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 553.68 178.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.44 166.10 Td (result ) Tj ET Q q 0 0 0 rg BT 81.16 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.99 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.70 166.10 Td (common ) Tj ET Q q 0 0 0 rg BT 144.20 166.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 167.81 166.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 195.31 166.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.58 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.75 166.10 Td (American ) Tj ET Q q 0 0 0 rg BT 261.67 166.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 303.60 166.10 Td (mer) Tj ET Q q 0 0 0 rg BT 318.96 166.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 334.23 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.17 166.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 387.55 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 401.71 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.42 166.10 Td (year ) Tj ET Q q 0 0 0 rg BT 436.13 166.10 Td (net ) Tj ET Q q 0 0 0 rg BT 450.85 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.68 166.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 503.06 166.10 Td (declared. ) Tj ET Q q 0 0 0 rg BT 541.93 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.43 166.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.43 118.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 137.47 118.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 171.52 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.23 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 196.83 118.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 243.10 118.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 280.48 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 289.53 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.69 118.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 332.62 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 339.45 118.10 Td (source ) Tj ET Q q 0 0 0 rg BT 367.93 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 378.64 118.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 417.41 118.10 Td (be ) Tj ET Q q 0 0 0 rg BT 429.23 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 436.05 118.10 Td (source ) Tj ET Q q 0 0 0 rg BT 464.53 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 475.25 118.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 508.49 118.10 Td (, ) Tj ET Q q 0 0 0 rg BT 513.37 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.20 118.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 553.68 118.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (a ) Tj ET Q q 0 0 0 rg BT 57.91 106.10 Td (tool ) Tj ET Q q 0 0 0 rg BT 77.44 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 93.07 106.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 136.47 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 169.88 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 188.83 106.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 212.80 106.10 Td (In ) Tj ET Q q 0 0 0 rg BT 225.10 106.10 Td (managing ) Tj ET Q q 0 0 0 rg BT 268.51 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.70 106.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 326.16 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 341.79 106.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 363.53 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 375.28 106.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 409.78 106.10 Td (safety ) Tj ET Q q 0 0 0 rg BT 437.63 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 449.93 106.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 489.44 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.85 106.10 Td (liquidity) Tj ET Q q 0 0 0 rg BT 541.10 106.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.57 106.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (diversification ) Tj ET Q q 0 0 0 rg BT 110.06 94.10 Td (considerations ) Tj ET Q q 0 0 0 rg BT 170.63 94.10 Td (with ) Tj ET Q q 0 0 0 rg BT 191.22 94.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 234.57 94.10 Td (return. ) Tj ET Q q 0 0 0 rg BT 266.26 94.10 Td (See ) Tj ET Q q 0 0 0 rg BT 283.50 94.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 332.40 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 349.65 94.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 385.77 94.10 Td (Resources ) Tj ET Q q 0 0 0 rg BT 434.11 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 444.70 94.10 Td (this ) Tj ET Q q 0 0 0 rg BT 461.95 94.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 483.08 94.10 Td (7 ) Tj ET Q q 0 0 0 rg BT 490.89 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 508.13 94.10 Td (Quantitative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 82.10 Td (Qualitative ) Tj ET Q q 0 0 0 rg BT 113.37 82.10 Td (Disclosures ) Tj ET Q q 0 0 0 rg BT 161.98 82.10 Td (About ) Tj ET Q q 0 0 0 rg BT 189.48 82.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 220.85 82.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 241.69 82.10 Td (- ) Tj ET Q q 0 0 0 rg BT 246.97 82.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 271.69 82.10 Td (Liability ) Tj ET Q q 0 0 0 rg BT 308.63 82.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 367.77 82.10 Td (under ) Tj ET Q q 0 0 0 rg BT 393.04 82.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 413.87 82.10 Td (7A.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 70.10 Td () Tj ET Q endstream endobj 95 0 obj <> endobj 96 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (47) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.64 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 143.13 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 164.16 742.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 180.75 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 201.79 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.60 742.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 257.18 742.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 274.88 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 290.92 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 306.39 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 329.65 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.57 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 354.50 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 399.98 742.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 441.84 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 453.43 742.10 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0 rg BT 408.85 667.68 Td (V) Tj ET Q q 0 0 0 rg BT 413.89 667.68 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 458.25 675.68 Td (Amortized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 468.70 667.68 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.20 675.68 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.85 667.68 Td (V) Tj ET Q q 0 0 0 rg BT 529.89 667.68 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 654.33 Td (Available for sale) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 268.50 653.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 326.50 653.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 384.50 653.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 442.50 653.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 500.50 653.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 653.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 641.17 Td (U.S. Government sponsored agencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 631.17 Td (and enterprises) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.65 631.27 Td (23,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 631.27 Td (23,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 631.27 Td (63,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.65 631.27 Td (64,611) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 631.27 Td (64,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 631.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 631.27 Td (65,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 617.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.65 617.17 Td (376,541) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.65 617.17 Td (391,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 617.17 Td (373,285) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 617.17 Td (396,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 617.17 Td (390,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 617.17 Td (410,854) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 603.17 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.65 603.17 Td (988,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.65 603.17 Td (983,684) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 603.17 Td (759,816) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 603.17 Td (763,549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 603.17 Td (713,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 603.17 Td (720,563) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 589.17 Td (Commercial mortgage-backed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 579.17 Td (securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.65 579.27 Td (91,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 579.27 Td (93,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 579.27 Td (128,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 579.27 Td (130,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 579.27 Td (186,110) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 579.27 Td (187,662) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 565.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.65 565.17 Td (193,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.65 565.17 Td (193,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 565.17 Td (222,784) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 565.17 Td (219,628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 565.17 Td (259,526) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 565.17 Td (259,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 551.17 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.65 551.17 Td (11,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 551.17 Td (10,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.65 551.17 Td (10,757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.65 551.17 Td (10,761) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.65 551.17 Td (10,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 551.17 Td (10,597) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 537.28 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.10 537.17 Td (1,684,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.10 537.17 Td (1,696,195) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.10 537.17 Td (1,558,956) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.10 537.17 Td (1,585,023) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.10 537.17 Td (1,624,268) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.10 537.17 Td (1,654,752) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 523.33 Td (Held to maturity) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 268.50 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 326.50 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 384.50 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 442.50 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 500.50 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 522.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 510.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.65 510.17 Td (910,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.65 510.17 Td (929,178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.10 510.17 Td (1,016,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.10 510.17 Td (1,052,755) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 510.17 Td (752,558) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 510.17 Td (782,265) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 496.17 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.65 496.17 Td (159,142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.65 496.17 Td (164,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 496.17 Td (214,291) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 496.17 Td (222,012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 496.17 Td (240,822) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 496.17 Td (252,796) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 482.28 Td ( Total Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.10 482.17 Td (1,069,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.10 482.17 Td (1,093,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.10 482.17 Td (1,230,810) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.10 482.17 Td (1,274,767) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 482.17 Td (993,380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.10 482.17 Td (1,035,061) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 58.50 464.28 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 228.10 464.27 Td (2,754,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.10 464.27 Td (2,789,935) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.10 464.27 Td (2,789,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.10 464.27 Td (2,859,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.10 464.27 Td (2,617,648) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.50 464.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.10 464.27 Td (2,689,813) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 448.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 436.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 436.10 Td (Fannie ) Tj ET Q q 0 0 0 rg BT 115.35 436.10 Td (Mae-issued ) Tj ET Q q 0 0 0 rg BT 164.09 436.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 236.14 436.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 276.54 436.10 Td (included ) Tj ET Q q 0 0 0 rg BT 313.61 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 324.03 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.88 436.10 Td (available ) Tj ET Q q 0 0 0 rg BT 377.61 436.10 Td (for ) Tj ET Q q 0 0 0 rg BT 391.91 436.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 410.09 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.17 436.10 Td (held ) Tj ET Q q 0 0 0 rg BT 447.03 436.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.44 436.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 493.96 436.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 535.49 436.10 Td (had ) Tj ET Q q 0 0 0 rg BT 552.56 436.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 424.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 90.71 424.10 Td (book ) Tj ET Q q 0 0 0 rg BT 113.06 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 137.07 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 153.86 424.10 Td (market ) Tj ET Q q 0 0 0 rg BT 183.98 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 207.98 424.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.66 424.10 Td ($455.6 ) Tj ET Q q 0 0 0 rg BT 248.51 424.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.41 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.76 424.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.55 424.10 Td ($454.5 ) Tj ET Q q 0 0 0 rg BT 326.40 424.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.29 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 360.14 424.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 407.80 424.10 Td (, ) Tj ET Q q 0 0 0 rg BT 412.65 424.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.22 424.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 480.65 424.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.65 424.10 Td (. ) Tj ET Q q 0 0 0 rg BT 508.01 424.10 Td (Freddie ) Tj ET Q q 0 0 0 rg BT 540.90 424.10 Td (Mac-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 412.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 77.06 412.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 149.02 412.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 189.34 412.10 Td (included ) Tj ET Q q 0 0 0 rg BT 226.33 412.10 Td (in ) Tj ET Q q 0 0 0 rg BT 236.67 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.44 412.10 Td (available ) Tj ET Q q 0 0 0 rg BT 290.08 412.10 Td (for ) Tj ET Q q 0 0 0 rg BT 304.30 412.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 322.40 412.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.40 412.10 Td (held ) Tj ET Q q 0 0 0 rg BT 359.17 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.50 412.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 405.94 412.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 447.39 412.10 Td (had ) Tj ET Q q 0 0 0 rg BT 464.38 412.10 Td (an ) Tj ET Q q 0 0 0 rg BT 476.38 412.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 517.79 412.10 Td (book ) Tj ET Q q 0 0 0 rg BT 540.35 412.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 400.10 Td (and ) Tj ET Q q 0 0 0 rg BT 65.90 400.10 Td (market ) Tj ET Q q 0 0 0 rg BT 95.63 400.10 Td (value ) Tj ET Q q 0 0 0 rg BT 119.25 400.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.54 400.10 Td ($326.3 ) Tj ET Q q 0 0 0 rg BT 159.00 400.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.89 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.86 400.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.26 400.10 Td ($325.0 ) Tj ET Q q 0 0 0 rg BT 235.72 400.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.61 400.10 Td ( ) Tj ET Q q 0 0 0 rg BT 266.58 400.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.75 400.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 333.80 400.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.80 400.10 Td (, ) Tj ET Q q 0 0 0 rg BT 358.26 400.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 405.93 400.10 Td (. ) Tj ET Q q 0 0 0 rg BT 412.75 400.10 Td (W) Tj ET Q q 0 0 0 rg BT 421.38 400.10 Td (e ) Tj ET Q q 0 0 0 rg BT 427.79 400.10 Td (do ) Tj ET Q q 0 0 0 rg BT 439.75 400.10 Td (not ) Tj ET Q q 0 0 0 rg BT 454.49 400.10 Td (have ) Tj ET Q q 0 0 0 rg BT 475.33 400.10 Td (any ) Tj ET Q q 0 0 0 rg BT 491.73 400.10 Td (meaningful ) Tj ET Q q 0 0 0 rg BT 539.24 400.10 Td (direct ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 388.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.36 388.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 93.42 388.10 Td (holdings ) Tj ET Q q 0 0 0 rg BT 130.40 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.25 388.10 Td (subprime ) Tj ET Q q 0 0 0 rg BT 181.00 388.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 225.17 388.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 265.46 388.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 311.87 388.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 354.66 388.10 Td (home ) Tj ET Q q 0 0 0 rg BT 379.40 388.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 406.92 388.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 428.34 388.10 Td (of ) Tj ET Q q 0 0 0 rg BT 439.19 388.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 464.48 388.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 510.89 388.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 553.68 388.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 376.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.44 376.10 Td (Fannie ) Tj ET Q q 0 0 0 rg BT 96.16 376.10 Td (Mae ) Tj ET Q q 0 0 0 rg BT 116.42 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 127.25 376.10 Td (Freddie ) Tj ET Q q 0 0 0 rg BT 160.30 376.10 Td (Mac ) Tj ET Q q 0 0 0 rg BT 180.57 376.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 219.71 376.10 Td (or ) Tj ET Q q 0 0 0 rg BT 230.54 376.10 Td (common ) Tj ET Q q 0 0 0 rg BT 268.03 376.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 295.53 376.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 335.79 376.10 Td (in ) Tj ET Q q 0 0 0 rg BT 346.07 376.10 Td (our ) Tj ET Q q 0 0 0 rg BT 361.90 376.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 408.28 376.10 Td (portfolio. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 352.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 352.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.93 352.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 143.70 352.10 Td (has ) Tj ET Q q 0 0 0 rg BT 158.91 352.10 Td (no ) Tj ET Q q 0 0 0 rg BT 170.79 352.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 195.44 352.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 233.42 352.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.08 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.18 352.10 Td (State ) Tj ET Q q 0 0 0 rg BT 279.06 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.27 352.10 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 321.99 352.10 Td (but ) Tj ET Q q 0 0 0 rg BT 336.65 352.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.29 352.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.62 352.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.50 352.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.71 352.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.81 352.10 Td (state ) Tj ET Q q 0 0 0 rg BT 461.02 352.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.34 352.10 Td (political ) Tj ET Q q 0 0 0 rg BT 511.99 352.10 Td (subdivisions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 340.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 86.17 340.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 119.52 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.53 340.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 168.97 340.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 195.65 340.10 Td (by ) Tj ET Q q 0 0 0 rg BT 207.32 340.10 Td (municipalities ) Tj ET Q q 0 0 0 rg BT 265.65 340.10 Td (in ) Tj ET Q q 0 0 0 rg BT 275.11 340.10 Td (Illinois. ) Tj ET Q q 0 0 0 rg BT 309.75 340.10 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.97 340.10 Td (29%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.30 340.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.98 340.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.99 340.10 Td (state ) Tj ET Q q 0 0 0 rg BT 421.99 340.10 Td (and ) Tj ET Q q 0 0 0 rg BT 438.10 340.10 Td (political ) Tj ET Q q 0 0 0 rg BT 472.55 340.10 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 524.24 340.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 328.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.21 328.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 96.15 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.08 328.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.34 328.10 Td (95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.67 328.10 Td ( ) Tj ET Q q 0 0 0 rg BT 194.17 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.00 328.10 Td (our ) Tj ET Q q 0 0 0 rg BT 220.83 328.10 Td (state ) Tj ET Q q 0 0 0 rg BT 241.66 328.10 Td (and ) Tj ET Q q 0 0 0 rg BT 258.60 328.10 Td (political ) Tj ET Q q 0 0 0 rg BT 293.87 328.10 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 346.38 328.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 386.64 328.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 416.92 328.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.75 328.10 Td (general ) Tj ET Q q 0 0 0 rg BT 459.67 328.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 502.72 328.10 Td (issues.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 304.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 304.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.01 304.10 Td (following ) Tj ET Q q 0 0 0 rg BT 145.86 304.10 Td (table ) Tj ET Q q 0 0 0 rg BT 168.26 304.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 186.22 304.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 208.63 304.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 238.79 304.10 Td (information ) Tj ET Q q 0 0 0 rg BT 288.97 304.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 330.25 304.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 377.63 304.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 420.58 304.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.99 304.10 Td (the ) Tj ET Q q 0 0 0 rg BT 453.17 304.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 492.79 304.10 Td (average ) Tj ET Q q 0 0 0 rg BT 526.83 304.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 553.68 304.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 292.10 Td (our ) Tj ET Q q 0 0 0 rg BT 65.33 292.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 111.71 292.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 151.98 292.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.69 292.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 220.28 292.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.28 292.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.78 292.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 275.82 292.10 Td (in ) Tj ET Q q 0 0 0 rg BT 286.10 292.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 225.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 225.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 225.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 225.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 225.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 225.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 225.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 225.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 225.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 225.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 201.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 201.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 201.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 201.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 201.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 201.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 201.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 201.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 201.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 201.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 177.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 177.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 177.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 177.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 177.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 177.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 177.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 177.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 177.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 177.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 153.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 153.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 153.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 153.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 153.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 153.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 153.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 153.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 153.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 153.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 129.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 129.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 129.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 129.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 129.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 129.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 129.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 129.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 129.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 129.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 105.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 105.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 105.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 105.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 105.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 105.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 105.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 105.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 105.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 105.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 81.60 167.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 217.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 221.00 81.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 261.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.00 81.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 302.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 306.00 81.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.00 81.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 387.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 391.00 81.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 431.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 435.00 81.60 37.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.00 81.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.00 81.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 525.00 81.60 37.00 -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 221 253.60000000000002 m 261 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 261 253.60000000000002 m 265 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 253.60000000000002 m 302 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 253.60000000000002 m 346 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 346 253.60000000000002 m 350 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 253.60000000000002 m 387 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 253.60000000000002 m 431 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431 253.60000000000002 m 435 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 253.60000000000002 m 472 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 253.60000000000002 m 521 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521 253.60000000000002 m 525 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 253.60000000000002 m 562 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 225.60000000000002 m 261 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 253.60000000000002 m 302 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 265 225.60000000000002 m 302 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 225.60000000000002 m 346 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 253.60000000000002 m 387 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 350 225.60000000000002 m 387 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 225.60000000000002 m 431 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 253.60000000000002 m 472 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 435 225.60000000000002 m 472 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 225.60000000000002 m 521 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 253.60000000000002 m 562 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 525 225.60000000000002 m 562 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 141.60000000000002 m 261 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 141.60000000000002 m 346 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 141.60000000000002 m 431 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 141.60000000000002 m 521 141.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 93.60000000000002 m 261 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 93.60000000000002 m 346 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 93.60000000000002 m 431 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 93.60000000000002 m 521 93.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 81.60000000000002 m 261 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 81.60000000000002 m 346 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 81.60000000000002 m 431 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 81.60000000000002 m 521 81.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 70.60000000000002 m 261 70.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 221 68.60000000000002 m 261 68.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 70.60000000000002 m 346 70.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 306 68.60000000000002 m 346 68.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 70.60000000000002 m 431 70.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 391 68.60000000000002 m 431 68.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 70.60000000000002 m 521 70.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476 68.60000000000002 m 521 68.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.50 257.83 Td () Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 242.85 265.22 Td (DueinOne) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 241.10 257.72 Td (Y) Tj ET Q q 0 0 0 rg BT 245.68 257.72 Td (ear) Tj ET Q q 0 0 0 rg BT 255.96 257.72 Td (or) Tj ET Q q 0 0 0 rg BT 264.78 257.72 Td (Less) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 323.35 272.72 Td (Dueafter) Tj ET Q q 0 0 0 rg BT 353.41 272.72 Td (One) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 324.75 265.22 Td (Y) Tj ET Q q 0 0 0 rg BT 329.33 265.22 Td (ear) Tj ET Q q 0 0 0 rg BT 339.61 265.22 Td (thr) Tj ET Q q 0 0 0 rg BT 351.34 265.22 Td (ough) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 329.35 257.72 Td (Five) Tj ET Q q 0 0 0 rg BT 344.69 257.72 Td (Y) Tj ET Q q 0 0 0 rg BT 349.28 257.72 Td (ears) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 408.15 272.72 Td (Dueafter) Tj ET Q q 0 0 0 rg BT 438.21 272.72 Td (Five) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 408.25 265.22 Td (Y) Tj ET Q q 0 0 0 rg BT 412.83 265.22 Td (earsthr) Tj ET Q q 0 0 0 rg BT 437.90 265.22 Td (ough) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 415.30 257.72 Td (T) Tj ET Q q 0 0 0 rg BT 419.61 257.72 Td (en) Tj ET Q q 0 0 0 rg BT 428.71 257.72 Td (Y) Tj ET Q q 0 0 0 rg BT 433.30 257.72 Td (ears) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 503.45 265.22 Td (Dueafter) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 502.80 257.72 Td (T) Tj ET Q q 0 0 0 rg BT 507.11 257.72 Td (en) Tj ET Q q 0 0 0 rg BT 516.21 257.72 Td (Y) Tj ET Q q 0 0 0 rg BT 520.80 257.72 Td (ears) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 52.50 229.66 Td () Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 227.75 229.72 Td (Balance) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 267.75 244.72 Td (W) Tj ET Q q 0 0 0 rg BT 274.84 244.72 Td (eighted) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 269.95 237.22 Td (A) Tj ET Q q 0 0 0 rg BT 274.81 237.22 Td (verage) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 274.55 229.72 Td (Y) Tj ET Q q 0 0 0 rg BT 279.69 229.72 Td (ield) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 312.75 229.72 Td (Balance) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 352.75 244.72 Td (W) Tj ET Q q 0 0 0 rg BT 359.84 244.72 Td (eighted) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 354.95 237.22 Td (A) Tj ET Q q 0 0 0 rg BT 359.81 237.22 Td (verage) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 359.55 229.72 Td (Y) Tj ET Q q 0 0 0 rg BT 364.69 229.72 Td (ield) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 397.75 229.72 Td (Balance) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 437.75 244.72 Td (W) Tj ET Q q 0 0 0 rg BT 444.84 244.72 Td (eighted) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 439.95 237.22 Td (A) Tj ET Q q 0 0 0 rg BT 444.81 237.22 Td (verage) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 444.55 229.72 Td (Y) Tj ET Q q 0 0 0 rg BT 449.69 229.72 Td (ield) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 485.25 229.72 Td (Balance) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 527.75 244.72 Td (W) Tj ET Q q 0 0 0 rg BT 534.84 244.72 Td (eighted) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 529.95 237.22 Td (A) Tj ET Q q 0 0 0 rg BT 534.81 237.22 Td (verage) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 534.55 229.72 Td (Y) Tj ET Q q 0 0 0 rg BT 539.69 229.72 Td (ield) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.50 217.72 Td (Available for sale \(fair value\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.50 217.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 298.50 217.68 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.50 217.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.50 217.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.50 217.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.50 217.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.50 217.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.50 217.55 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 205.75 Td (U.S. Government sponsored agencies and enterprises) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.50 205.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.80 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.80 205.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.50 205.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.75 205.55 Td (23,415) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 205.55 Td (1.63) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.80 205.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.50 205.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.80 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.80 205.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.50 205.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.80 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 205.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 205.55 Td (%) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 193.75 Td (States and political subdivision ) Tj ET Q BT /F1 7.50 Tf ET BT /F1 4.87 Tf ET q 0 0 0 rg BT 147.91 197.15 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.75 193.55 Td (4,816) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 193.55 Td (1.66) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.75 193.55 Td (80,573) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 193.55 Td (3.08) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.75 193.55 Td (44,873) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 193.55 Td (2.46) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 193.55 Td (261,103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 193.55 Td (3.52) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 181.75 Td (Residential mortgage-backed securities ) Tj ET Q BT /F1 7.50 Tf ET BT /F1 4.87 Tf ET q 0 0 0 rg BT 172.25 185.15 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 181.55 Td (65) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 181.55 Td (1.85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.75 181.55 Td (13,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 181.55 Td (1.80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 181.55 Td (282,937) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 181.55 Td (1.88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 181.55 Td (687,625) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 181.55 Td (1.67) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 169.75 Td (Commercial mortgage-backed securities ) Tj ET Q BT /F1 7.50 Tf ET BT /F1 4.87 Tf ET q 0 0 0 rg BT 175.58 173.15 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 169.55 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 169.55 Td (1.81) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.75 169.55 Td (57,050) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 169.55 Td (2.70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 169.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.80 169.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.75 169.55 Td (35,943) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 169.55 Td (3.77) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 157.75 Td (Corporate bonds) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.75 157.55 Td (62,608) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 157.55 Td (2.59) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.75 157.55 Td (131,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 157.55 Td (2.75) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 157.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.80 157.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.80 157.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 157.55 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 145.75 Td (Equity securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.80 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.75 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.80 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.80 145.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.75 145.55 Td (10,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 145.55 Td (2.11) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.50 133.72 Td ( Total Available for Sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.75 133.55 Td (67,504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 133.55 Td (2.53) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.75 133.55 Td (305,382) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 133.55 Td (2.70) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 133.55 Td (327,810) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 133.55 Td (1.96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.80 133.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 133.55 Td (995,499) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 133.55 Td (2.28) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.50 121.72 Td (Held to maturity \(amortized cost\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 298.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 517.50 121.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.50 121.55 Td () Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 109.75 Td (States and political subdivision ) Tj ET Q BT /F1 7.50 Tf ET BT /F1 4.87 Tf ET q 0 0 0 rg BT 147.91 113.15 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.75 109.55 Td (69,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 109.55 Td (1.69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.75 109.55 Td (136,426) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 109.55 Td (2.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 109.55 Td (166,101) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 109.55 Td (3.24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 109.55 Td (538,792) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 109.55 Td (3.07) Tj ET Q BT /F1 7.50 Tf ET q 0 0 0 rg BT 52.50 97.75 Td (Residential mortgage-backed securities ) Tj ET Q BT /F1 7.50 Tf ET BT /F1 4.87 Tf ET q 0 0 0 rg BT 172.25 101.15 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.80 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 334.75 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.80 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.80 97.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 97.55 Td (159,142) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 97.55 Td (4.77) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 52.50 85.72 Td ( Total Held to Maturity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.75 85.55 Td (69,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 85.55 Td (1.69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.75 85.55 Td (136,426) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 85.55 Td (2.68) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 85.55 Td (166,101) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 85.55 Td (3.24) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.75 85.55 Td (697,934) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 85.55 Td (3.46) Tj ET Q BT /F2 7.50 Tf ET q 0 0 0 rg BT 58.50 73.72 Td ( Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.50 73.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 231.75 73.55 Td (136,793) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.80 73.55 Td (2.10) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.80 73.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 308.50 73.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.75 73.55 Td (441,808) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 73.55 Td (2.69) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.80 73.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 393.50 73.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.75 73.55 Td (493,911) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 450.80 73.55 Td (2.40) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.80 73.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.50 73.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.75 73.55 Td (1,693,433) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 540.80 73.55 Td (2.77) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 73.55 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 49.50 58.13 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 55.56 54.50 Td ( ) Tj ET Q q 0 0 0 rg BT 61.27 54.50 Td (Y) Tj ET Q q 0 0 0 rg BT 66.60 54.50 Td (ield ) Tj ET Q q 0 0 0 rg BT 80.60 54.50 Td (is ) Tj ET Q q 0 0 0 rg BT 87.93 54.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 117.91 54.50 Td (on ) Tj ET Q q 0 0 0 rg BT 127.91 54.50 Td (a ) Tj ET Q q 0 0 0 rg BT 133.46 54.50 Td (fully ) Tj ET Q q 0 0 0 rg BT 150.57 54.50 Td (tax ) Tj ET Q q 0 0 0 rg BT 162.34 54.50 Td (equivalent ) Tj ET Q q 0 0 0 rg BT 197.66 54.50 Td (basis ) Tj ET Q q 0 0 0 rg BT 215.66 54.50 Td (utilizing ) Tj ET Q q 0 0 0 rg BT 244.33 54.50 Td (a ) Tj ET Q q 0 0 0 rg BT 249.88 54.50 Td (35% ) Tj ET Q q 0 0 0 rg BT 266.54 54.50 Td (tax ) Tj ET Q q 0 0 0 rg BT 278.32 54.50 Td (rate.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 49.50 48.52 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 55.56 44.90 Td ( ) Tj ET Q q 0 0 0 rg BT 61.42 44.90 Td (These ) Tj ET Q q 0 0 0 rg BT 82.52 44.90 Td (securities ) Tj ET Q q 0 0 0 rg BT 114.73 44.90 Td (are ) Tj ET Q q 0 0 0 rg BT 126.50 44.90 Td (presented ) Tj ET Q q 0 0 0 rg BT 159.15 44.90 Td (based ) Tj ET Q q 0 0 0 rg BT 179.36 44.90 Td (upon ) Tj ET Q q 0 0 0 rg BT 197.36 44.90 Td (contractual ) Tj ET Q q 0 0 0 rg BT 234.90 44.90 Td (maturities.) Tj ET Q endstream endobj 97 0 obj <> endobj 98 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (48) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (Loan Portfolio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 706.25 Td (The following table sets forth the composition of our loan portfolio \(dollars in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 639.75 97.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 639.75 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 639.75 30.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 639.75 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 639.75 30.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 639.75 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 639.75 30.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 639.75 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 639.75 30.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 639.75 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 639.75 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 639.75 30.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 607.75 97.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 607.75 45.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 607.75 30.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 607.75 45.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 607.75 30.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 607.75 45.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 607.75 30.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 607.75 45.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 607.75 30.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 607.75 45.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 607.75 4.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 607.75 30.00 -32.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 563.75 97.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 563.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 563.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 563.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 563.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 563.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 563.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 563.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 563.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 563.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 563.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 531.75 97.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 531.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 531.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 531.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 531.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 531.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 531.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 531.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 531.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 531.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 531.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 531.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 507.75 97.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 507.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 507.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 507.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 507.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 507.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 507.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 507.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 507.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 507.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 507.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 507.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 483.75 97.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 483.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 483.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 483.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 483.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 483.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 483.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 483.75 4.00 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0.9333333333333333 1 rg /GS0 gs 396.00 459.75 4.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 459.75 45.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 459.75 4.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 459.75 30.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 459.75 4.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 459.75 45.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 459.75 4.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 459.75 30.00 -29.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 409.75 97.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 147.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 151.00 409.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 409.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 230.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 234.00 409.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 409.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 313.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 317.00 409.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.00 409.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 409.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.00 409.75 30.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 483.00 409.75 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 528.00 409.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 532.00 409.75 30.00 -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 151 671.75 m 196 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196 671.75 m 200 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 671.75 m 230 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230 671.75 m 234 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 671.75 m 279 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279 671.75 m 283 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 671.75 m 313 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 313 671.75 m 317 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 671.75 m 362 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 671.75 m 366 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 671.75 m 396 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396 671.75 m 400 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 671.75 m 445 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 671.75 m 449 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 671.75 m 479 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479 671.75 m 483 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 671.75 m 528 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 671.75 m 532 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 671.75 m 562 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 659.75 m 196 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 196 659.75 m 200 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 659.75 m 230 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 671.75 m 279 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 659.75 m 279 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279 671.75 m 283 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 279 659.75 m 283 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 671.75 m 313 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 659.75 m 313 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 671.75 m 362 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 659.75 m 362 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 671.75 m 366 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 659.75 m 366 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 671.75 m 396 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 659.75 m 396 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 671.75 m 445 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 659.75 m 445 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 671.75 m 449 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 659.75 m 449 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 671.75 m 479 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 659.75 m 479 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 671.75 m 528 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 659.75 m 528 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 671.75 m 532 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 528 659.75 m 532 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 671.75 m 562 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 659.75 m 562 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 659.75 m 230 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 659.75 m 279 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 639.75 m 279 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 659.75 m 313 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 659.75 m 362 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 639.75 m 362 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 659.75 m 396 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 659.75 m 445 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 639.75 m 445 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 659.75 m 479 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 659.75 m 528 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 639.75 m 528 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 659.75 m 562 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 639.75 m 196 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 639.75 m 230 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 639.75 m 279 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 639.75 m 313 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 639.75 m 362 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 639.75 m 396 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 639.75 m 445 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 639.75 m 479 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 639.75 m 528 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 639.75 m 562 639.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 551.75 m 196 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 551.75 m 230 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 551.75 m 279 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 551.75 m 313 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 551.75 m 362 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 551.75 m 396 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 551.75 m 445 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 551.75 m 479 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 551.75 m 528 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 551.75 m 562 551.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 531.75 m 196 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 531.75 m 230 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 531.75 m 279 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 531.75 m 313 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 531.75 m 362 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 531.75 m 396 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 531.75 m 445 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 531.75 m 479 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 531.75 m 528 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 531.75 m 562 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 471.75 m 196 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 471.75 m 230 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 471.75 m 279 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 471.75 m 313 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 471.75 m 362 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 471.75 m 396 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 471.75 m 445 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 471.75 m 479 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 471.75 m 528 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 471.75 m 562 471.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 459.75 m 196 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 459.75 m 230 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 459.75 m 279 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 459.75 m 313 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 459.75 m 362 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 459.75 m 396 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 459.75 m 445 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 459.75 m 479 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 459.75 m 528 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 459.75 m 562 459.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 409.75 m 196 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 409.75 m 230 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 409.75 m 279 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 409.75 m 313 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 409.75 m 362 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 409.75 m 396 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 409.75 m 445 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 409.75 m 479 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 409.75 m 528 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 409.75 m 562 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 409.75 m 196 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 398.75 m 196 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 151 396.75 m 196 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 398.75 m 230 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 396.75 m 230 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 409.75 m 279 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 398.75 m 279 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 234 396.75 m 279 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 398.75 m 313 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 396.75 m 313 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 409.75 m 362 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 398.75 m 362 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 317 396.75 m 362 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 398.75 m 396 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366 396.75 m 396 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 409.75 m 445 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 398.75 m 445 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 396.75 m 445 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 398.75 m 479 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449 396.75 m 479 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 409.75 m 528 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 398.75 m 528 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 483 396.75 m 528 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 398.75 m 562 398.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 532 396.75 m 562 396.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 674.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.50 675.83 Td (AtDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 662.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 182.00 663.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 265.00 663.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.00 663.83 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.00 663.83 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.00 663.83 Td (2012) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 642.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 158.95 643.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 206.15 651.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 205.75 643.83 Td (T) Tj ET Q q 0 0 0 rg BT 210.35 643.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 241.95 643.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 289.15 651.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.75 643.83 Td (T) Tj ET Q q 0 0 0 rg BT 293.35 643.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 324.95 643.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.15 651.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 371.75 643.83 Td (T) Tj ET Q q 0 0 0 rg BT 376.35 643.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 407.95 643.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 455.15 651.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.75 643.83 Td (T) Tj ET Q q 0 0 0 rg BT 459.35 643.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.95 643.98 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 538.15 651.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 537.75 643.83 Td (T) Tj ET Q q 0 0 0 rg BT 542.35 643.83 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 624.00 Td (Commercial related loans:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 192.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 226.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 275.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 309.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 358.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 392.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 441.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 622.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 622.51 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 611.70 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.50 611.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.75 611.70 Td (4,346,506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 611.70 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.80 611.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.50 611.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 611.70 Td (3,616,286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 611.70 Td (37) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.80 611.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.50 611.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 611.70 Td (3,245,206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 611.70 Td (36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.80 611.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.50 611.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 611.70 Td (1,281,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 611.70 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.80 611.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.50 611.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 611.70 Td (1,220,472) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 611.70 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 611.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 596.00 Td (Commercial collateralized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 588.00 Td (by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 580.00 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.75 580.00 Td (2,002,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 580.00 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 580.00 Td (1,779,072) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 580.00 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 580.00 Td (1,692,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 580.00 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 580.00 Td (1,494,188) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 580.00 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 580.00 Td (1,303,020) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 580.00 Td (23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 567.70 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.75 567.70 Td (3,788,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 567.70 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 567.70 Td (2,695,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 567.70 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 567.70 Td (2,544,867) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 567.70 Td (28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 567.70 Td (1,647,700) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 567.70 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 567.70 Td (1,761,832) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 567.70 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 555.70 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.75 555.70 Td (518,562) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 555.70 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 555.70 Td (252,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 555.70 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.75 555.70 Td (247,068) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 555.70 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 555.70 Td (141,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 555.70 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 555.70 Td (110,261) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 555.70 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 543.70 Td (Total commercial related) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 535.70 Td (loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.75 536.00 Td (10,656,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 536.00 Td (83) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 536.00 Td (8,343,094) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 536.00 Td (85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 536.00 Td (7,729,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 536.00 Td (85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 536.00 Td (4,564,518) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 536.00 Td (80) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 536.00 Td (4,395,585) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 536.00 Td (76) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 523.70 Td (Other loans:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 192.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 226.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 275.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 309.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 358.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 392.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 441.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 524.50 522.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 522.51 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 511.70 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.75 511.70 Td (1,060,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 511.70 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 511.70 Td (628,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 511.70 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.75 511.70 Td (503,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 511.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 511.70 Td (314,440) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 511.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 511.70 Td (314,359) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 511.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 499.70 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.75 499.70 Td (541,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 499.70 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 499.70 Td (384,095) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 499.70 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.75 499.70 Td (268,840) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 499.70 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 499.70 Td (262,632) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 499.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 499.70 Td (208,633) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 499.70 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 487.70 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.75 487.70 Td (266,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 487.70 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 487.70 Td (216,573) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 487.70 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.75 487.70 Td (251,909) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 487.70 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 487.70 Td (268,289) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 487.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 487.70 Td (305,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 487.70 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 475.70 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 170.75 475.70 Td (80,781) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 475.70 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.75 475.70 Td (80,661) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 475.70 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.75 475.70 Td (78,137) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 475.70 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 419.75 475.70 Td (66,952) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 475.70 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.75 475.70 Td (93,317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 475.70 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 463.70 Td (Total other loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 160.75 463.70 Td (1,949,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 463.70 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 463.70 Td (1,309,498) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 463.70 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 463.70 Td (1,102,173) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 463.70 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 463.70 Td (912,313) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 463.70 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 463.70 Td (921,495) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 463.70 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 451.00 Td (Gross loans, excluding) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 443.00 Td (purchased credit-impaired) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 435.00 Td (loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.75 435.00 Td (12,605,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.80 435.00 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 435.00 Td (9,652,592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 297.80 435.00 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 435.00 Td (8,831,572) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.80 435.00 Td (97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 435.00 Td (5,476,831) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.80 435.00 Td (96) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 435.00 Td (5,317,080) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 435.00 Td (92) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 422.00 Td (Purchased credit-impaired) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 414.00 Td (loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 166.75 414.00 Td (163,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 218.80 414.00 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.75 414.00 Td (141,406) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.80 414.00 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 332.75 414.00 Td (251,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.80 414.00 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.75 414.00 Td (235,720) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 467.80 414.00 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 414.00 Td (449,850) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 414.00 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 401.70 Td (Total loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 153.50 401.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 156.75 401.70 Td (12,768,803) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.80 401.70 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 222.80 401.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 236.50 401.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.75 401.70 Td (9,793,998) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 293.80 401.70 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.80 401.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.50 401.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.75 401.70 Td (9,083,217) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.80 401.70 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.80 401.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.50 401.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 409.75 401.70 Td (5,712,551) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.80 401.70 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 471.80 401.70 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.50 401.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 492.75 401.70 Td (5,766,930) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.80 401.70 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 401.70 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 386.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 374.25 Td (Gross ) Tj ET Q q 0 0 0 rg BT 111.09 374.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 136.95 374.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 178.64 374.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 221.43 374.25 Td (credit-impaired, ) Tj ET Q q 0 0 0 rg BT 287.82 374.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 327.82 374.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.52 374.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.52 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 371.77 374.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.80 374.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.80 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 404.05 374.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.31 374.25 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 436.06 374.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.17 374.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.93 374.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.51 374.25 Td (30.6%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.34 374.25 Td (, ) Tj ET Q q 0 0 0 rg BT 508.10 374.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 547.56 374.25 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 362.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.77 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.48 362.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 101.08 362.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 138.99 362.25 Td (through ) Tj ET Q q 0 0 0 rg BT 173.59 362.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.53 362.25 Td (American ) Tj ET Q q 0 0 0 rg BT 231.44 362.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 274.36 362.25 Td (mer) Tj ET Q q 0 0 0 rg BT 289.73 362.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 305.99 362.25 Td (and ) Tj ET Q q 0 0 0 rg BT 323.92 362.25 Td (or) Tj ET Q q 0 0 0 rg BT 332.06 362.25 Td (ganic ) Tj ET Q q 0 0 0 rg BT 357.21 362.25 Td (growth. ) Tj ET Q q 0 0 0 rg BT 391.53 362.25 Td ( ) Tj ET Q q 0 0 0 rg BT 395.02 362.25 Td (Gross ) Tj ET Q q 0 0 0 rg BT 421.85 362.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 448.95 362.25 Td (excluding ) Tj ET Q q 0 0 0 rg BT 491.87 362.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 535.90 362.25 Td (credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 350.25 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 90.04 350.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 130.30 350.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.23 350.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.23 350.25 Td ( ) Tj ET Q q 0 0 0 rg BT 174.73 350.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 185.01 350.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.01 350.25 Td ( ) Tj ET Q q 0 0 0 rg BT 207.51 350.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.01 350.25 Td ($821.0 ) Tj ET Q q 0 0 0 rg BT 250.01 350.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.90 350.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.90 350.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.73 350.25 Td (9.3%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.56 350.25 Td (, ) Tj ET Q q 0 0 0 rg BT 320.56 350.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 360.28 350.25 Td (due ) Tj ET Q q 0 0 0 rg BT 377.21 350.25 Td (to ) Tj ET Q q 0 0 0 rg BT 387.49 350.25 Td (growth ) Tj ET Q q 0 0 0 rg BT 418.32 350.25 Td (in ) Tj ET Q q 0 0 0 rg BT 428.60 350.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 478.30 350.25 Td (related ) Tj ET Q q 0 0 0 rg BT 508.00 350.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 534.11 350.25 Td ( ) Tj ET Q endstream endobj 99 0 obj <> endobj 100 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (49) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.79 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 143.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 164.61 742.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 181.36 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 202.55 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.51 742.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 267.70 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.78 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 292.86 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 311.82 742.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 348.57 742.10 Td (\(excluding ) Tj ET Q q 0 0 0 rg BT 393.08 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 415.93 742.10 Td (held ) Tj ET Q q 0 0 0 rg BT 434.90 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 448.31 742.10 Td (sale\) ) Tj ET Q q 0 0 0 rg BT 468.93 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 479.01 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 489.09 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 503.05 742.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 525.35 742.10 Td (indicated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (showing ) Tj ET Q q 0 0 0 rg BT 85.92 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.66 730.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 137.60 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.46 730.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 177.07 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 200.71 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.67 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 241.30 730.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 278.25 730.10 Td (through ) Tj ET Q q 0 0 0 rg BT 311.88 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.44 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 331.85 730.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 354.92 730.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 386.32 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.73 730.10 Td (American ) Tj ET Q q 0 0 0 rg BT 444.67 730.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 486.62 730.10 Td (mer) Tj ET Q q 0 0 0 rg BT 501.99 730.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 521.17 730.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 554.24 730.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (thousands\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 649.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 649.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 649.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 649.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 649.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 649.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 649.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 649.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 649.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 649.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 649.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 649.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 649.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 616.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 616.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 616.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 616.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 616.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 616.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 616.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 616.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 616.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 616.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 616.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 616.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 616.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 592.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 592.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 592.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 592.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 592.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 592.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 592.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 592.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 592.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 592.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 592.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 592.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 592.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 568.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 568.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 568.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 568.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 568.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 568.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 568.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 568.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 568.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 568.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 568.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 568.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 568.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 544.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 544.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 544.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 544.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 544.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 544.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 544.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 544.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 544.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 544.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 544.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 544.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 544.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 520.60 151.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 520.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 520.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 520.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 520.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 520.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 520.60 32.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 520.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 520.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 520.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 520.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 520.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 520.60 35.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 487.60 151.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 201.00 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 205.00 487.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 250.00 487.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 300.00 487.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.00 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.00 487.60 32.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 381.00 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.00 487.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 487.60 48.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.00 487.60 45.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.00 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.00 487.60 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 205 683.6 m 250 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 683.6 m 300 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 683.6 m 345 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345 683.6 m 349 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 683.6 m 381 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 683.6 m 430 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 683.6 m 478 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 683.6 m 523 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523 683.6 m 527 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 683.6 m 562 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 683.6 m 381 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 683.6 m 430 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 662.6 m 430 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 683.6 m 478 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 662.6 m 478 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 683.6 m 523 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 662.6 m 523 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 683.6 m 562 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 662.6 m 562 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 662.6 m 250 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 662.6 m 300 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 662.6 m 345 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 662.6 m 381 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 662.6 m 430 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 662.6 m 478 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 662.6 m 523 662.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 592.6 m 250 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 592.6 m 300 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 592.6 m 345 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 592.6 m 381 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 592.6 m 430 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 592.6 m 478 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 592.6 m 523 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 592.6 m 562 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 592.6 m 250 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 580.6 m 250 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 592.6 m 300 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 580.6 m 300 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 580.6 m 345 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 580.6 m 381 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 592.6 m 430 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 580.6 m 430 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 592.6 m 478 592.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 580.6 m 478 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 580.6 m 523 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 580.6 m 562 580.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 520.6 m 250 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 520.6 m 300 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 520.6 m 345 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 520.6 m 381 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 520.6 m 430 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 520.6 m 478 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 520.6 m 523 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 520.6 m 562 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 520.6 m 250 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 508.6 m 250 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 520.6 m 300 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 508.6 m 300 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 508.6 m 345 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 508.6 m 381 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 520.6 m 430 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 508.6 m 430 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 520.6 m 478 520.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 508.6 m 478 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 508.6 m 523 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 508.6 m 562 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 508.6 m 250 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 508.6 m 300 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 508.6 m 430 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 508.6 m 478 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 508.6 m 523 508.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 473.6 m 250 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 473.6 m 300 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 473.6 m 345 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 473.6 m 381 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 473.6 m 430 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 473.6 m 478 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 473.6 m 523 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 473.6 m 562 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 473.6 m 250 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 460.6 m 250 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 205 458.6 m 250 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 473.6 m 300 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 460.6 m 300 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 250 458.6 m 300 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 473.6 m 345 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 460.6 m 345 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 300 458.6 m 345 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 460.6 m 381 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349 458.6 m 381 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 473.6 m 430 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 460.6 m 430 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 385 458.6 m 430 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 473.6 m 478 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 460.6 m 478 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 458.6 m 478 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 473.6 m 523 473.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 460.6 m 523 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 478 458.6 m 523 458.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 460.6 m 562 460.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 527 458.6 m 562 458.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.50 687.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 260.25 687.68 Td (December31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.75 687.68 Td (December31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.50 666.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 210.75 666.83 Td (Legacy ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 237.19 670.46 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 254.50 666.83 Td (Acquir) Tj ET Q q 0 0 0 rg BT 278.36 666.83 Td (ed ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 288.36 670.46 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.25 666.83 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.15 674.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.75 666.83 Td (T) Tj ET Q q 0 0 0 rg BT 360.35 666.83 Td (otal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 390.75 666.83 Td (Legacy ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 417.19 670.46 Td (\(1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 433.50 666.83 Td (Acquir) Tj ET Q q 0 0 0 rg BT 457.36 666.83 Td (ed ) Tj ET Q BT /F2 8.00 Tf ET BT /F2 5.20 Tf ET q 0 0 0 rg BT 467.36 670.46 Td (\(2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.25 666.83 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.65 674.83 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 535.25 666.83 Td (T) Tj ET Q q 0 0 0 rg BT 539.85 666.83 Td (otal) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 653.85 Td (Commercial related credits:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.50 653.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.50 653.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.50 653.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.50 653.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 641.55 Td (Commercial loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.75 641.55 Td (3,548,747) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.75 641.55 Td (797,759) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 641.55 Td (4,346,506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 641.55 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.80 641.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 641.55 Td (2,908,158) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.75 641.55 Td (708,128) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.50 641.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 641.55 Td (3,616,286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 641.55 Td (37) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 641.55 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 628.85 Td (Commercial loans collateralized by) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 620.85 Td (assignment of lease payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.75 620.85 Td (1,898,857) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.75 620.85 Td (104,119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 620.85 Td (2,002,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 620.85 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 620.85 Td (1,687,421) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.75 620.85 Td (91,651) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 620.85 Td (1,779,072) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 620.85 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 608.55 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.75 608.55 Td (2,509,314) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.75 608.55 Td (1,278,702) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 608.55 Td (3,788,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 608.55 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 608.55 Td (2,040,339) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.75 608.55 Td (655,337) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 608.55 Td (2,695,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 608.55 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 596.55 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.75 596.55 Td (503,226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.75 596.55 Td (15,336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.75 596.55 Td (518,562) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 596.55 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.75 596.55 Td (238,918) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.75 596.55 Td (13,142) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.75 596.55 Td (252,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 596.55 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 584.55 Td (Total commercial related credits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.75 584.55 Td (8,460,144) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.75 584.55 Td (2,195,916) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 584.55 Td (10,656,060) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 584.55 Td (83) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 584.55 Td (6,874,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.75 584.55 Td (1,468,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 584.55 Td (8,343,094) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 584.55 Td (85) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 572.55 Td (Other loans:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.50 572.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 377.50 572.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.50 572.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 558.50 572.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 560.55 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.75 560.55 Td (775,576) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.75 560.55 Td (285,252) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 560.55 Td (1,060,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 560.55 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.75 560.55 Td (466,794) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.75 560.55 Td (161,375) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.75 560.55 Td (628,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 560.55 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 548.55 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.75 548.55 Td (539,916) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 278.75 548.55 Td (1,764) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.75 548.55 Td (541,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 548.55 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.75 548.55 Td (382,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.75 548.55 Td (2,095) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.75 548.55 Td (384,095) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 548.55 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 536.55 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 220.75 536.55 Td (179,886) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.75 536.55 Td (86,491) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.75 536.55 Td (266,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 536.55 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.75 536.55 Td (202,231) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.75 536.55 Td (14,342) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.75 536.55 Td (216,573) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 536.55 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 524.55 Td (Other consumer loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.75 524.55 Td (80,028) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.80 524.55 Td (753) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.75 524.55 Td (80,781) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 524.55 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.75 524.55 Td (80,329) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.80 524.55 Td (332) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.75 524.55 Td (80,661) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 524.55 Td (1) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 512.55 Td (Total other loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 214.75 512.55 Td (1,575,406) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 270.75 512.55 Td (374,260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 512.55 Td (1,949,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 512.55 Td (15) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 512.55 Td (1,131,354) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.75 512.55 Td (178,144) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 512.55 Td (1,309,498) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 512.55 Td (13) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 499.85 Td (Total loans excluding purchased credit-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 491.85 Td (impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.75 491.85 Td (10,035,550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.75 491.85 Td (2,570,176) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 491.85 Td (12,605,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.80 491.85 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 491.85 Td (8,006,190) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.75 491.85 Td (1,646,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 491.85 Td (9,652,592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 491.85 Td (98) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 58.50 477.85 Td (Purchased credit-impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 224.75 477.85 Td (96,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.75 477.85 Td (66,908) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 315.75 477.85 Td (163,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.80 477.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.75 477.85 Td (92,429) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.75 477.85 Td (48,977) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.75 477.85 Td (141,406) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 477.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 463.85 Td (Total loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 207.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 210.75 463.85 Td (10,131,719) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 264.75 463.85 Td (2,637,084) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 302.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 463.85 Td (12,768,803) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 361.80 463.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 373.80 463.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 463.85 Td (8,098,619) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 432.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 442.75 463.85 Td (1,695,379) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.50 463.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.75 463.85 Td (9,793,998) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.80 463.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 463.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 67.50 446.93 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 443.30 Td (Legacy ) Tj ET Q q 0 0 0 rg BT 111.65 443.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 131.14 443.30 Td (include ) Tj ET Q q 0 0 0 rg BT 157.29 443.30 Td (all ) Tj ET Q q 0 0 0 rg BT 167.89 443.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.39 443.30 Td (other ) Tj ET Q q 0 0 0 rg BT 206.43 443.30 Td (than ) Tj ET Q q 0 0 0 rg BT 222.81 443.30 Td (those ) Tj ET Q q 0 0 0 rg BT 242.30 443.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 272.45 443.30 Td (through ) Tj ET Q q 0 0 0 rg BT 299.94 443.30 Td (the ) Tj ET Q q 0 0 0 rg BT 312.13 443.30 Td (T) Tj ET Q q 0 0 0 rg BT 316.46 443.30 Td (aylor ) Tj ET Q q 0 0 0 rg BT 335.51 443.30 Td (Capital ) Tj ET Q q 0 0 0 rg BT 361.22 443.30 Td (and ) Tj ET Q q 0 0 0 rg BT 374.80 443.30 Td (American ) Tj ET Q q 0 0 0 rg BT 408.95 443.30 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 443.09 443.30 Td (mer) Tj ET Q q 0 0 0 rg BT 455.38 443.30 Td (gers, ) Tj ET Q q 0 0 0 rg BT 473.32 443.30 Td (including ) Tj ET Q q 0 0 0 rg BT 506.14 443.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 525.64 443.30 Td (acquired ) Tj ET Q q 0 0 0 rg BT 555.78 443.30 Td (in ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 433.70 Td (connection ) Tj ET Q q 0 0 0 rg BT 122.27 433.70 Td (with ) Tj ET Q q 0 0 0 rg BT 138.17 433.70 Td (our ) Tj ET Q q 0 0 0 rg BT 150.51 433.70 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 197.96 433.70 Td (transactions ) Tj ET Q q 0 0 0 rg BT 237.85 433.70 Td (and ) Tj ET Q q 0 0 0 rg BT 251.08 433.70 Td (our ) Tj ET Q q 0 0 0 rg BT 263.42 433.70 Td (other ) Tj ET Q q 0 0 0 rg BT 281.53 433.70 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 318.31 433.70 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 360.20 433.70 Td (as ) Tj ET Q q 0 0 0 rg BT 368.54 433.70 Td (well ) Tj ET Q q 0 0 0 rg BT 383.99 433.70 Td (as ) Tj ET Q q 0 0 0 rg BT 392.33 433.70 Td (new ) Tj ET Q q 0 0 0 rg BT 407.33 433.70 Td (loans ) Tj ET Q q 0 0 0 rg BT 425.89 433.70 Td (originated ) Tj ET Q q 0 0 0 rg BT 460.00 433.70 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 497.23 433.70 Td (to ) Tj ET Q q 0 0 0 rg BT 505.13 433.70 Td (the ) Tj ET Q q 0 0 0 rg BT 516.46 433.70 Td (T) Tj ET Q q 0 0 0 rg BT 520.79 433.70 Td (aylor ) Tj ET Q q 0 0 0 rg BT 538.90 433.70 Td (Capital ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 98.61 424.10 Td (American ) Tj ET Q q 0 0 0 rg BT 132.15 424.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 165.69 424.10 Td (mer) Tj ET Q q 0 0 0 rg BT 177.98 424.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 193.31 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.71 424.10 Td (T) Tj ET Q q 0 0 0 rg BT 211.04 424.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 229.48 424.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 254.59 424.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.70 424.10 Td (American ) Tj ET Q q 0 0 0 rg BT 301.23 424.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 334.77 424.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 353.66 424.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.66 424.10 Td (have ) Tj ET Q q 0 0 0 rg BT 384.76 424.10 Td (been ) Tj ET Q q 0 0 0 rg BT 401.86 424.10 Td (renewed.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 67.50 418.13 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 414.50 Td (Represents ) Tj ET Q q 0 0 0 rg BT 122.55 414.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 141.39 414.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 170.88 414.50 Td (through ) Tj ET Q q 0 0 0 rg BT 197.72 414.50 Td (the ) Tj ET Q q 0 0 0 rg BT 209.31 414.50 Td (T) Tj ET Q q 0 0 0 rg BT 213.64 414.50 Td (aylor ) Tj ET Q q 0 0 0 rg BT 232.02 414.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 257.08 414.50 Td (and ) Tj ET Q q 0 0 0 rg BT 270.15 414.50 Td (American ) Tj ET Q q 0 0 0 rg BT 303.65 414.50 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 337.14 414.50 Td (mer) Tj ET Q q 0 0 0 rg BT 349.43 414.50 Td (gers ) Tj ET Q q 0 0 0 rg BT 364.71 414.50 Td (that ) Tj ET Q q 0 0 0 rg BT 378.66 414.50 Td (have ) Tj ET Q q 0 0 0 rg BT 395.71 414.50 Td (not ) Tj ET Q q 0 0 0 rg BT 407.89 414.50 Td (yet ) Tj ET Q q 0 0 0 rg BT 419.61 414.50 Td (been ) Tj ET Q q 0 0 0 rg BT 436.67 414.50 Td (renewed. ) Tj ET Q q 0 0 0 rg BT 467.71 414.50 Td ( ) Tj ET Q q 0 0 0 rg BT 469.52 414.50 Td (These ) Tj ET Q q 0 0 0 rg BT 490.58 414.50 Td (balances ) Tj ET Q q 0 0 0 rg BT 520.07 414.50 Td (will ) Tj ET Q q 0 0 0 rg BT 534.47 414.50 Td (decrease ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 404.90 Td (to ) Tj ET Q q 0 0 0 rg BT 93.72 404.90 Td (zero ) Tj ET Q q 0 0 0 rg BT 109.49 404.90 Td (over ) Tj ET Q q 0 0 0 rg BT 125.70 404.90 Td (time.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.90 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 380.90 Td (Loan Maturities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 368.90 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 356.90 Td (The ) Tj ET Q q 0 0 0 rg BT 103.70 356.90 Td (following ) Tj ET Q q 0 0 0 rg BT 145.25 356.90 Td (table ) Tj ET Q q 0 0 0 rg BT 167.34 356.90 Td (sets ) Tj ET Q q 0 0 0 rg BT 184.99 356.90 Td (forth ) Tj ET Q q 0 0 0 rg BT 207.09 356.90 Td (information ) Tj ET Q q 0 0 0 rg BT 256.96 356.90 Td (regarding ) Tj ET Q q 0 0 0 rg BT 297.93 356.90 Td (our ) Tj ET Q q 0 0 0 rg BT 313.91 356.90 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 379.88 356.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 403.65 356.90 Td (and ) Tj ET Q q 0 0 0 rg BT 420.74 356.90 Td (the ) Tj ET Q q 0 0 0 rg BT 435.62 356.90 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 478.26 356.90 Td (maturity ) Tj ET Q q 0 0 0 rg BT 514.80 356.90 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 344.90 Td (for ) Tj ET Q q 0 0 0 rg BT 62.86 344.90 Td (the ) Tj ET Q q 0 0 0 rg BT 76.78 344.90 Td (performing ) Tj ET Q q 0 0 0 rg BT 123.47 344.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.28 344.90 Td (in ) Tj ET Q q 0 0 0 rg BT 155.76 344.90 Td (our ) Tj ET Q q 0 0 0 rg BT 170.80 344.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 189.72 344.90 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 226.42 344.90 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.34 344.90 Td (December31, ) Tj ET Q q 0 0 0 rg BT 293.12 344.90 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.12 344.90 Td ( ) Tj ET Q q 0 0 0 rg BT 314.83 344.90 Td (\(in ) Tj ET Q q 0 0 0 rg BT 327.64 344.90 Td (thousands\). ) Tj ET Q q 0 0 0 rg BT 377.67 344.90 Td (Demand ) Tj ET Q q 0 0 0 rg BT 413.25 344.90 Td (loans, ) Tj ET Q q 0 0 0 rg BT 438.56 344.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 461.37 344.90 Td (having ) Tj ET Q q 0 0 0 rg BT 490.29 344.90 Td (no ) Tj ET Q q 0 0 0 rg BT 502.00 344.90 Td (stated ) Tj ET Q q 0 0 0 rg BT 527.03 344.90 Td (schedule ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 332.90 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 332.90 Td (repayments, ) Tj ET Q q 0 0 0 rg BT 111.42 332.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 135.03 332.90 Td (with ) Tj ET Q q 0 0 0 rg BT 155.31 332.90 Td (no ) Tj ET Q q 0 0 0 rg BT 167.81 332.90 Td (stated ) Tj ET Q q 0 0 0 rg BT 193.64 332.90 Td (maturity ) Tj ET Q q 0 0 0 rg BT 230.02 332.90 Td (and ) Tj ET Q q 0 0 0 rg BT 246.96 332.90 Td (overdrafts ) Tj ET Q q 0 0 0 rg BT 289.99 332.90 Td (are ) Tj ET Q q 0 0 0 rg BT 304.70 332.90 Td (reported ) Tj ET Q q 0 0 0 rg BT 340.52 332.90 Td (as ) Tj ET Q q 0 0 0 rg BT 351.35 332.90 Td (due ) Tj ET Q q 0 0 0 rg BT 368.28 332.90 Td (in ) Tj ET Q q 0 0 0 rg BT 378.56 332.90 Td (one ) Tj ET Q q 0 0 0 rg BT 395.50 332.90 Td (year ) Tj ET Q q 0 0 0 rg BT 415.21 332.90 Td (or ) Tj ET Q q 0 0 0 rg BT 426.04 332.90 Td (less.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 320.90 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 258.40 119.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.00 258.40 62.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 258.40 44.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 258.40 44.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.00 258.40 44.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.00 258.40 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 258.40 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 258.40 41.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 258.40 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 258.40 44.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 221.40 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.00 221.40 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 221.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 221.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.00 221.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.00 221.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 221.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 221.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 221.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 221.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 197.40 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.00 197.40 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 197.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 197.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.00 197.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.00 197.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 197.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 197.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 197.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 197.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 173.40 119.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.00 173.40 62.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 173.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 173.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.00 173.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.00 173.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 173.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 173.40 41.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 173.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 173.40 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 149.40 119.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 173.00 149.40 62.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.00 149.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.00 149.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.00 149.40 44.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 383.00 149.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.00 149.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 469.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 473.00 149.40 41.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.00 149.40 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.00 149.40 44.00 -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 239 290.4 m 283 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283 290.4 m 287 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 290.4 m 331 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335 290.4 m 379 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 290.4 m 383 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 290.4 m 424 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 290.4 m 469 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 469 290.4 m 473 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 290.4 m 514 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 290.4 m 331 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 290.4 m 424 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 290.4 m 514 290.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173 258.4 m 235 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 258.4 m 283 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 258.4 m 331 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335 258.4 m 379 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 258.4 m 424 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 258.4 m 469 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 258.4 m 514 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 258.4 m 562 258.4 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173 136.39999999999998 m 235 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239 136.39999999999998 m 283 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287 136.39999999999998 m 331 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335 136.39999999999998 m 379 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 136.39999999999998 m 424 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 136.39999999999998 m 469 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 136.39999999999998 m 514 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 136.39999999999998 m 562 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173 136.39999999999998 m 235 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 173 125.39999999999998 m 235 125.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 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136.39999999999998 m 424 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 125.39999999999998 m 424 125.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 383 123.39999999999998 m 424 123.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 136.39999999999998 m 469 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 125.39999999999998 m 469 125.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428 123.39999999999998 m 469 123.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 136.39999999999998 m 514 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 125.39999999999998 m 514 125.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 473 123.39999999999998 m 514 123.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 136.39999999999998 m 562 136.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518 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0 rg BT 209.80 247.65 Td (12,628) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.75 247.65 Td (115,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.75 247.65 Td (1,619,941) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 349.75 247.65 Td (357,382) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.75 247.65 Td (1,915,199) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.75 247.65 Td (105,226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.75 247.65 Td (220,294) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.50 247.65 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.75 247.65 Td (4,346,506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 233.65 Td (Commercial loans collateralized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 225.65 Td (by assignment of lease payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.80 225.65 Td (2,561) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.75 225.65 Td (149,572) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 225.65 Td (7,789) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.75 225.65 Td (1,686,818) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.75 225.65 Td (9,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.75 225.65 Td (145,577) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 498.75 225.65 Td (774) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.75 225.65 Td (2,002,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 213.35 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.80 213.35 Td (11,767) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.75 213.35 Td (249,046) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.75 213.35 Td (412,059) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.75 213.35 Td (1,030,682) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.75 213.35 Td (1,409,697) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.75 213.35 Td (235,778) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.75 213.35 Td (438,987) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.75 213.35 Td (3,788,016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 201.35 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.80 201.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.75 201.35 Td (8,320) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 301.75 201.35 Td (148,527) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.75 201.35 Td (1,601) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.75 201.35 Td (289,109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 447.75 201.35 Td (7,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.75 201.35 Td (63,538) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.75 201.35 Td (518,562) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 189.35 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.80 189.35 Td (16,773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.75 189.35 Td (18,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 309.75 189.35 Td (7,850) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 357.75 189.35 Td (3,937) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.75 189.35 Td (683) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.75 189.35 Td (186,616) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.75 189.35 Td (826,469) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.75 189.35 Td (1,060,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 177.35 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.80 177.35 Td (2,365) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.75 177.35 Td (2,590) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 319.80 177.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 349.75 177.35 Td (165,194) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.80 177.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.75 177.35 Td (371,531) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 502.80 177.35 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.75 177.35 Td (541,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 165.35 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.80 165.35 Td (13,187) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.75 165.35 Td (531) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 165.35 Td (33,271) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.75 165.35 Td (11,765) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.75 165.35 Td (74,572) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.75 165.35 Td (33,410) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.75 165.35 Td (99,641) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.75 165.35 Td (266,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 153.35 Td (Other consumer loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.80 153.35 Td (71) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.75 153.35 Td (3,231) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 153.35 Td (18,064) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.75 153.35 Td (29,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.75 153.35 Td (15,491) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 457.80 153.35 Td (53) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.75 153.35 Td (14,029) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 536.75 153.35 Td (80,781) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 140.65 Td (Purchased credit-impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.80 140.65 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.75 140.65 Td (17,573) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 305.75 140.65 Td (18,472) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.75 140.65 Td (24,448) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.75 140.65 Td (12,262) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.75 140.65 Td (76,676) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 488.75 140.65 Td (13,646) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.75 140.65 Td (163,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 128.35 Td (Gross loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 175.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.80 128.35 Td (59,352) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 241.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.75 128.35 Td (565,199) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 295.75 128.35 Td (2,265,973) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 337.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.75 128.35 Td (3,311,669) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 388.75 128.35 Td (3,726,898) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.75 128.35 Td (1,162,334) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 475.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.75 128.35 Td (1,677,378) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 520.50 128.35 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.75 128.35 Td (12,768,803) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 112.90 Td () Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 67.50 106.92 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 103.30 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 116.98 103.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 151.57 103.30 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 203.03 103.30 Td (loans. ) Tj ET Q q 0 0 0 rg BT 226.07 103.30 Td (See ) Tj ET Q q 0 0 0 rg BT 239.78 103.30 Td (Note ) Tj ET Q q 0 0 0 rg BT 257.49 103.30 Td (5 ) Tj ET Q q 0 0 0 rg BT 263.64 103.30 Td (to ) Tj ET Q q 0 0 0 rg BT 272.02 103.30 Td (our ) Tj ET Q q 0 0 0 rg BT 284.84 103.30 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 329.22 103.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 361.14 103.30 Td (Statements ) Tj ET Q q 0 0 0 rg BT 398.41 103.30 Td (for ) Tj ET Q q 0 0 0 rg BT 409.89 103.30 Td (further ) Tj ET Q q 0 0 0 rg BT 433.81 103.30 Td (information ) Tj ET Q q 0 0 0 rg BT 473.74 103.30 Td (regarding ) Tj ET Q q 0 0 0 rg BT 506.55 103.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 541.13 103.30 Td (credit-) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 93.70 Td (impaired ) Tj ET Q q 0 0 0 rg BT 115.93 93.70 Td (loans.) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 67.50 87.73 Td (\(2\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 84.10 Td (Excludes ) Tj ET Q q 0 0 0 rg BT 116.82 84.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 169.48 84.10 Td (loans.) Tj ET Q endstream endobj 101 0 obj <> endobj 102 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (50) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Asset Quality) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.25 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 153.71 718.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 177.49 718.25 Td (include ) Tj ET Q q 0 0 0 rg BT 209.60 718.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 233.38 718.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 276.59 718.25 Td (for ) Tj ET Q q 0 0 0 rg BT 290.92 718.25 Td (on ) Tj ET Q q 0 0 0 rg BT 303.59 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 310.71 718.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 360.57 718.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 383.24 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 400.36 718.25 Td (accruing ) Tj ET Q q 0 0 0 rg BT 437.45 718.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 461.23 718.25 Td (contractually ) Tj ET Q q 0 0 0 rg BT 516.11 718.25 Td (past ) Tj ET Q q 0 0 0 rg BT 534.89 718.25 Td (due ) Tj ET Q q 0 0 0 rg BT 552.00 718.25 Td (90 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (days ) Tj ET Q q 0 0 0 rg BT 70.41 706.25 Td (or ) Tj ET Q q 0 0 0 rg BT 81.31 706.25 Td (more ) Tj ET Q q 0 0 0 rg BT 104.43 706.25 Td (as ) Tj ET Q q 0 0 0 rg BT 115.34 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.69 706.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 157.70 706.25 Td (or ) Tj ET Q q 0 0 0 rg BT 168.61 706.25 Td (principal. ) Tj ET Q q 0 0 0 rg BT 211.73 706.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 266.50 706.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 300.18 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 314.97 706.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 334.76 706.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 372.33 706.25 Td (for ) Tj ET Q q 0 0 0 rg BT 386.57 706.25 Td (problem ) Tj ET Q q 0 0 0 rg BT 422.47 706.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 446.16 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 458.73 706.25 Td (an ) Tj ET Q q 0 0 0 rg BT 470.75 706.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 506.10 706.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 533.67 706.25 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 63.28 694.25 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 98.71 694.25 Td (course ) Tj ET Q q 0 0 0 rg BT 126.37 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 136.26 694.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 174.21 694.25 Td (management ) Tj ET Q q 0 0 0 rg BT 226.86 694.25 Td (becomes ) Tj ET Q q 0 0 0 rg BT 263.41 694.25 Td (aware ) Tj ET Q q 0 0 0 rg BT 288.84 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.73 694.25 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 340.83 694.25 Td (that ) Tj ET Q q 0 0 0 rg BT 357.38 694.25 Td (may ) Tj ET Q q 0 0 0 rg BT 376.16 694.25 Td (not ) Tj ET Q q 0 0 0 rg BT 390.50 694.25 Td (be ) Tj ET Q q 0 0 0 rg BT 401.50 694.25 Td (able ) Tj ET Q q 0 0 0 rg BT 419.71 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.05 694.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 450.04 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.82 694.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 509.80 694.25 Td (requirements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.40 682.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 80.18 682.25 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 133.09 682.25 Td (These ) Tj ET Q q 0 0 0 rg BT 159.53 682.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 183.21 682.25 Td (are ) Tj ET Q q 0 0 0 rg BT 197.98 682.25 Td (placed ) Tj ET Q q 0 0 0 rg BT 226.64 682.25 Td (under ) Tj ET Q q 0 0 0 rg BT 251.98 682.25 Td (close ) Tj ET Q q 0 0 0 rg BT 275.09 682.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 323.76 682.25 Td (with ) Tj ET Q q 0 0 0 rg BT 344.11 682.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 400.54 682.25 Td (given ) Tj ET Q q 0 0 0 rg BT 425.33 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 435.67 682.25 Td (placing ) Tj ET Q q 0 0 0 rg BT 467.67 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.45 682.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 502.24 682.25 Td (on ) Tj ET Q q 0 0 0 rg BT 514.80 682.25 Td (non-accrual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (status, ) Tj ET Q q 0 0 0 rg BT 77.37 670.25 Td (increasing ) Tj ET Q q 0 0 0 rg BT 121.06 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.87 670.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 179.00 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 193.25 670.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 213.06 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 230.10 670.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 252.68 670.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 279.16 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 296.19 670.25 Td (\(if ) Tj ET Q q 0 0 0 rg BT 308.23 670.25 Td (appropriate\) ) Tj ET Q q 0 0 0 rg BT 359.68 670.25 Td (partial ) Tj ET Q q 0 0 0 rg BT 387.82 670.25 Td (or ) Tj ET Q q 0 0 0 rg BT 398.74 670.25 Td (full ) Tj ET Q q 0 0 0 rg BT 415.23 670.25 Td (char) Tj ET Q q 0 0 0 rg BT 432.25 670.25 Td (ge-of) Tj ET Q q 0 0 0 rg BT 453.17 670.25 Td (f. ) Tj ET Q q 0 0 0 rg BT 463.52 670.25 Td (After ) Tj ET Q q 0 0 0 rg BT 487.21 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 494.25 670.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 514.06 670.25 Td (is ) Tj ET Q q 0 0 0 rg BT 523.32 670.25 Td (placed ) Tj ET Q q 0 0 0 rg BT 552.01 670.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 99.08 658.25 Td (status, ) Tj ET Q q 0 0 0 rg BT 126.74 658.25 Td (any ) Tj ET Q q 0 0 0 rg BT 143.57 658.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 175.39 658.25 Td (previously ) Tj ET Q q 0 0 0 rg BT 219.99 658.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 253.46 658.25 Td (but ) Tj ET Q q 0 0 0 rg BT 268.63 658.25 Td (not ) Tj ET Q q 0 0 0 rg BT 283.79 658.25 Td (yet ) Tj ET Q q 0 0 0 rg BT 298.40 658.25 Td (collected ) Tj ET Q q 0 0 0 rg BT 336.87 658.25 Td (is ) Tj ET Q q 0 0 0 rg BT 345.93 658.25 Td (reversed ) Tj ET Q q 0 0 0 rg BT 382.18 658.25 Td (against ) Tj ET Q q 0 0 0 rg BT 412.90 658.25 Td (current ) Tj ET Q q 0 0 0 rg BT 443.60 658.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 480.42 658.25 Td (Generally) Tj ET Q q 0 0 0 rg BT 519.19 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 524.08 658.25 Td (if ) Tj ET Q q 0 0 0 rg BT 532.57 658.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.55 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 105.49 646.25 Td (received ) Tj ET Q q 0 0 0 rg BT 142.08 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.81 646.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 204.73 646.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 231.07 646.25 Td (these ) Tj ET Q q 0 0 0 rg BT 254.34 646.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 295.40 646.25 Td (will ) Tj ET Q q 0 0 0 rg BT 313.68 646.25 Td (be ) Tj ET Q q 0 0 0 rg BT 325.85 646.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 358.01 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 368.52 646.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 406.79 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 423.95 646.25 Td (not ) Tj ET Q q 0 0 0 rg BT 439.46 646.25 Td (taken ) Tj ET Q q 0 0 0 rg BT 463.84 646.25 Td (into ) Tj ET Q q 0 0 0 rg BT 482.13 646.25 Td (income. ) Tj ET Q q 0 0 0 rg BT 519.29 646.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 546.46 646.25 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 64.55 634.25 Td (be ) Tj ET Q q 0 0 0 rg BT 76.26 634.25 Td (placed ) Tj ET Q q 0 0 0 rg BT 104.62 634.25 Td (back ) Tj ET Q q 0 0 0 rg BT 125.77 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 138.04 634.25 Td (accrual ) Tj ET Q q 0 0 0 rg BT 169.17 634.25 Td (status ) Tj ET Q q 0 0 0 rg BT 194.21 634.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 221.48 634.25 Td (back ) Tj ET Q q 0 0 0 rg BT 242.63 634.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 274.33 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 291.04 634.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 328.85 634.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 369.45 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 383.92 634.25 Td (made. ) Tj ET Q q 0 0 0 rg BT 412.69 634.25 Td (W) Tj ET Q q 0 0 0 rg BT 421.72 634.25 Td (ith ) Tj ET Q q 0 0 0 rg BT 434.55 634.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 465.13 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 475.18 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 489.67 634.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 513.05 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 530.31 634.25 Td (were ) Tj ET Q q 0 0 0 rg BT 552.01 634.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 99.77 622.25 Td (status ) Tj ET Q q 0 0 0 rg BT 125.63 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 137.04 622.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.45 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 207.61 622.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.61 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.69 622.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.20 622.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.20 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 273.78 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 289.08 622.25 Td (gross ) Tj ET Q q 0 0 0 rg BT 313.27 622.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.78 622.25 Td (income ) Tj ET Q q 0 0 0 rg BT 378.29 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 396.37 622.25 Td (would ) Tj ET Q q 0 0 0 rg BT 424.45 622.25 Td (have ) Tj ET Q q 0 0 0 rg BT 446.40 622.25 Td (been ) Tj ET Q q 0 0 0 rg BT 468.36 622.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 506.41 622.25 Td (on ) Tj ET Q q 0 0 0 rg BT 519.49 622.25 Td (such ) Tj ET Q q 0 0 0 rg BT 540.90 622.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (during ) Tj ET Q q 0 0 0 rg BT 78.76 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 94.13 610.25 Td (years ) Tj ET Q q 0 0 0 rg BT 118.38 610.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.41 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 204.65 610.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.65 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.80 610.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.40 610.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.40 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 268.55 610.25 Td (had ) Tj ET Q q 0 0 0 rg BT 286.14 610.25 Td (such ) Tj ET Q q 0 0 0 rg BT 307.63 610.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 331.89 610.25 Td (been ) Tj ET Q q 0 0 0 rg BT 353.92 610.25 Td (current ) Tj ET Q q 0 0 0 rg BT 385.39 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 396.32 610.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 444.43 610.25 Td (with ) Tj ET Q q 0 0 0 rg BT 465.36 610.25 Td (their ) Tj ET Q q 0 0 0 rg BT 486.84 610.25 Td (original ) Tj ET Q q 0 0 0 rg BT 521.10 610.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 546.47 610.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.50 598.25 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 129.25 598.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.14 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 160.38 598.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.06 598.25 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 196.81 598.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.70 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 230.44 598.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 278.10 598.25 Td (. ) Tj ET Q q 0 0 0 rg BT 285.19 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 302.98 598.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 335.21 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.79 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 377.47 598.25 Td (income ) Tj ET Q q 0 0 0 rg BT 409.14 598.25 Td (on ) Tj ET Q q 0 0 0 rg BT 421.39 598.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 459.17 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 482.52 598.25 Td (that ) Tj ET Q q 0 0 0 rg BT 499.76 598.25 Td (was ) Tj ET Q q 0 0 0 rg BT 517.56 598.25 Td (included ) Tj ET Q q 0 0 0 rg BT 554.24 598.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (net ) Tj ET Q q 0 0 0 rg BT 64.72 586.25 Td (income ) Tj ET Q q 0 0 0 rg BT 97.17 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 111.83 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.06 586.25 Td (years ) Tj ET Q q 0 0 0 rg BT 151.17 586.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.05 586.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 237.14 586.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.14 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 260.15 586.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.60 586.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.60 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 300.60 586.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.16 586.25 Td ($52 ) Tj ET Q q 0 0 0 rg BT 337.17 586.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.28 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 376.29 586.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.73 586.25 Td ($202 ) Tj ET Q q 0 0 0 rg BT 416.74 586.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.85 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 458.36 586.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 506.02 586.25 Td (. ) Tj ET Q q 0 0 0 rg BT 514.03 586.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 532.59 586.25 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 77.55 574.25 Td (is ) Tj ET Q q 0 0 0 rg BT 87.27 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 98.10 574.25 Td (place ) Tj ET Q q 0 0 0 rg BT 122.25 574.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.41 574.25 Td (90 ) Tj ET Q q 0 0 0 rg BT 159.46 574.25 Td (days ) Tj ET Q q 0 0 0 rg BT 180.85 574.25 Td (past ) Tj ET Q q 0 0 0 rg BT 200.01 574.25 Td (due ) Tj ET Q q 0 0 0 rg BT 217.50 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 230.55 574.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 280.80 574.25 Td (status, ) Tj ET Q q 0 0 0 rg BT 309.13 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 320.52 574.25 Td (well ) Tj ET Q q 0 0 0 rg BT 340.79 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 352.17 574.25 Td (those ) Tj ET Q q 0 0 0 rg BT 376.33 574.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 400.49 574.25 Td (that ) Tj ET Q q 0 0 0 rg BT 418.54 574.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 456.03 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 466.86 574.25 Td (pay) Tj ET Q q 0 0 0 rg BT 480.65 574.25 Td (, ) Tj ET Q q 0 0 0 rg BT 486.20 574.25 Td (but ) Tj ET Q q 0 0 0 rg BT 502.03 574.25 Td (display ) Tj ET Q q 0 0 0 rg BT 533.97 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 541.46 574.25 Td (well-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 81.99 562.25 Td (material ) Tj ET Q q 0 0 0 rg BT 117.24 562.25 Td (weakness.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 550.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 538.25 Td (Purchased loans acquired in a business combination are recorded at estimated fair value on their purchase date without ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.25 Td (a carryover of the related allowance for loan and lease losses. ) Tj ET Q q 0 0 0 rg BT 297.54 526.25 Td (These acquired loans are segregated into three types: pass rated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.25 Td (loans with no discount attributable to credit quality) Tj ET Q q 0 0 0 rg BT 252.98 514.25 Td (, non-impaired loans with a discount attributable at least in part to credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.25 Td (quality and impaired loans with evidence of significant credit deterioration. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 478.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 478.25 Td (Pass ) Tj ET Q q 0 0 0 rg BT 106.04 478.25 Td (rated ) Tj ET Q q 0 0 0 rg BT 128.78 478.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 152.64 478.25 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 193.71 478.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 241.45 478.25 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 268.64 478.25 Td (are ) Tj ET Q q 0 0 0 rg BT 283.61 478.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 326.89 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 341.31 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 351.84 478.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 399.55 478.25 Td (with ) Tj ET Q q 0 0 0 rg BT 419.48 478.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 441.48 478.25 Td (T) Tj ET Q q 0 0 0 rg BT 446.90 478.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 466.87 478.25 Td (310-20 ) Tj ET Q q 0 0 0 rg BT 497.95 478.25 Td ("Nonrefundable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 466.25 Td (Fees ) Tj ET Q q 0 0 0 rg BT 106.33 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 123.27 466.25 Td (Other ) Tj ET Q q 0 0 0 rg BT 148.54 466.25 Td (Costs" ) Tj ET Q q 0 0 0 rg BT 177.35 466.25 Td (as ) Tj ET Q q 0 0 0 rg BT 188.18 466.25 Td (these ) Tj ET Q q 0 0 0 rg BT 211.23 466.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 234.84 466.25 Td (do ) Tj ET Q q 0 0 0 rg BT 247.34 466.25 Td (not ) Tj ET Q q 0 0 0 rg BT 262.61 466.25 Td (have ) Tj ET Q q 0 0 0 rg BT 283.99 466.25 Td (evidence ) Tj ET Q q 0 0 0 rg BT 322.02 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 332.85 466.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.12 466.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 411.71 466.25 Td (since ) Tj ET Q q 0 0 0 rg BT 434.75 466.25 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 454.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 454.25 Td (Non-impaired ) Tj ET Q q 0 0 0 rg BT 143.79 454.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.10 454.25 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 207.62 454.25 Td (performing ) Tj ET Q q 0 0 0 rg BT 254.81 454.25 Td (substandard ) Tj ET Q q 0 0 0 rg BT 304.77 454.25 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 331.41 454.25 Td (are ) Tj ET Q q 0 0 0 rg BT 345.82 454.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 388.55 454.25 Td (for ) Tj ET Q q 0 0 0 rg BT 402.41 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 412.39 454.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 459.55 454.25 Td (with ) Tj ET Q q 0 0 0 rg BT 479.04 454.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 500.54 454.25 Td (T) Tj ET Q q 0 0 0 rg BT 505.95 454.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 525.36 454.25 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 555.89 454.25 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 442.25 Td (they ) Tj ET Q q 0 0 0 rg BT 105.22 442.25 Td (display ) Tj ET Q q 0 0 0 rg BT 136.60 442.25 Td (at ) Tj ET Q q 0 0 0 rg BT 146.32 442.25 Td (least ) Tj ET Q q 0 0 0 rg BT 167.15 442.25 Td (some ) Tj ET Q q 0 0 0 rg BT 190.75 442.25 Td (level ) Tj ET Q q 0 0 0 rg BT 212.69 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 223.52 442.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.78 442.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 302.37 442.25 Td (since ) Tj ET Q q 0 0 0 rg BT 325.42 442.25 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 430.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.25 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 123.09 430.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 145.69 430.25 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 185.50 430.25 Td (substandard ) Tj ET Q q 0 0 0 rg BT 234.77 430.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 257.37 430.25 Td (on ) Tj ET Q q 0 0 0 rg BT 268.86 430.25 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 317.55 430.25 Td (status\) ) Tj ET Q q 0 0 0 rg BT 345.15 430.25 Td (are ) Tj ET Q q 0 0 0 rg BT 358.85 430.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 400.88 430.25 Td (for ) Tj ET Q q 0 0 0 rg BT 414.04 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 423.31 430.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 469.76 430.25 Td (with ) Tj ET Q q 0 0 0 rg BT 488.71 430.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 509.54 430.25 Td (T) Tj ET Q q 0 0 0 rg BT 514.96 430.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 533.67 430.25 Td (310-30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 96.33 418.25 Td (they ) Tj ET Q q 0 0 0 rg BT 116.05 418.25 Td (display ) Tj ET Q q 0 0 0 rg BT 147.43 418.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 192.15 418.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 217.41 418.25 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 271.00 418.25 Td (since ) Tj ET Q q 0 0 0 rg BT 294.04 418.25 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 394.25 Td (For ) Tj ET Q q 0 0 0 rg BT 101.89 394.25 Td (pass ) Tj ET Q q 0 0 0 rg BT 121.60 394.25 Td (rated ) Tj ET Q q 0 0 0 rg BT 144.08 394.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.69 394.25 Td (\(non-purchased ) Tj ET Q q 0 0 0 rg BT 232.38 394.25 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 296.51 394.25 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 325.94 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.66 394.25 Td (dif) Tj ET Q q 0 0 0 rg BT 351.58 394.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 383.49 394.25 Td (between ) Tj ET Q q 0 0 0 rg BT 419.30 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.02 394.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 474.83 394.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 491.20 394.25 Td (value ) Tj ET Q q 0 0 0 rg BT 515.35 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 526.18 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.89 394.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 81.16 382.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 119.20 382.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 168.36 382.25 Td (is ) Tj ET Q q 0 0 0 rg BT 177.53 382.25 Td (accreted ) Tj ET Q q 0 0 0 rg BT 213.33 382.25 Td (over ) Tj ET Q q 0 0 0 rg BT 233.60 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.32 382.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 291.36 382.25 Td (life ) Tj ET Q q 0 0 0 rg BT 307.19 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 318.02 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 332.73 382.25 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 358.25 Td (In ) Tj ET Q q 0 0 0 rg BT 96.31 358.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 143.75 358.25 Td (with ) Tj ET Q q 0 0 0 rg BT 163.46 358.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 185.40 358.25 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 218.71 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 232.85 358.25 Td (both ) Tj ET Q q 0 0 0 rg BT 253.11 358.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 296.12 358.25 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 352.48 358.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 376.07 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 392.98 358.25 Td (purchased ) Tj ET Q q 0 0 0 rg BT 436.00 358.25 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 500.12 358.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 526.21 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.90 358.25 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.25 Td (are ) Tj ET Q q 0 0 0 rg BT 63.99 346.25 Td (pooled ) Tj ET Q q 0 0 0 rg BT 93.50 346.25 Td (by ) Tj ET Q q 0 0 0 rg BT 105.78 346.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 125.29 346.25 Td (type ) Tj ET Q q 0 0 0 rg BT 144.79 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.52 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 176.02 346.25 Td (dif) Tj ET Q q 0 0 0 rg BT 186.95 346.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 218.65 346.25 Td (between ) Tj ET Q q 0 0 0 rg BT 254.25 346.25 Td (contractually ) Tj ET Q q 0 0 0 rg BT 308.73 346.25 Td (required ) Tj ET Q q 0 0 0 rg BT 344.34 346.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 384.95 346.25 Td (at ) Tj ET Q q 0 0 0 rg BT 394.45 346.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 440.62 346.25 Td (and ) Tj ET Q q 0 0 0 rg BT 457.34 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 471.85 346.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 491.90 346.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 516.41 346.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 554.23 346.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.25 Td (be ) Tj ET Q q 0 0 0 rg BT 62.18 334.25 Td (collected ) Tj ET Q q 0 0 0 rg BT 101.52 334.25 Td (is ) Tj ET Q q 0 0 0 rg BT 111.43 334.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 146.31 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 157.33 334.25 Td (as ) Tj ET Q q 0 0 0 rg BT 168.91 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.37 334.25 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 246.46 334.25 Td (dif) Tj ET Q q 0 0 0 rg BT 257.39 334.25 Td (ference. ) Tj ET Q q 0 0 0 rg BT 292.55 334.25 Td (Further) Tj ET Q q 0 0 0 rg BT 321.59 334.25 Td (, ) Tj ET Q q 0 0 0 rg BT 327.33 334.25 Td (any ) Tj ET Q q 0 0 0 rg BT 345.02 334.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 374.36 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.93 334.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 406.95 334.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 432.41 334.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 471.19 334.25 Td (at ) Tj ET Q q 0 0 0 rg BT 481.65 334.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 528.78 334.25 Td (over ) Tj ET Q q 0 0 0 rg BT 549.79 334.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.12 322.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 106.29 322.25 Td (value ) Tj ET Q q 0 0 0 rg BT 130.24 322.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.20 322.25 Td (referred ) Tj ET Q q 0 0 0 rg BT 173.13 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.21 322.25 Td (as ) Tj ET Q q 0 0 0 rg BT 193.83 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.34 322.25 Td (accretable ) Tj ET Q q 0 0 0 rg BT 251.16 322.25 Td (yield ) Tj ET Q q 0 0 0 rg BT 273.45 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 290.18 322.25 Td (is ) Tj ET Q q 0 0 0 rg BT 299.14 322.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 345.30 322.25 Td (into ) Tj ET Q q 0 0 0 rg BT 363.15 322.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 394.88 322.25 Td (income ) Tj ET Q q 0 0 0 rg BT 426.61 322.25 Td (over ) Tj ET Q q 0 0 0 rg BT 446.67 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.18 322.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 504.02 322.25 Td (life ) Tj ET Q q 0 0 0 rg BT 519.64 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 530.27 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.78 322.25 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.25 Td (pools ) Tj ET Q q 0 0 0 rg BT 73.67 310.25 Td (when ) Tj ET Q q 0 0 0 rg BT 97.83 310.25 Td (there ) Tj ET Q q 0 0 0 rg BT 120.32 310.25 Td (is ) Tj ET Q q 0 0 0 rg BT 129.49 310.25 Td (a ) Tj ET Q q 0 0 0 rg BT 136.42 310.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 181.68 310.25 Td (expectation ) Tj ET Q q 0 0 0 rg BT 230.27 310.25 Td (about ) Tj ET Q q 0 0 0 rg BT 254.98 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.70 310.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 302.20 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.13 310.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 347.75 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 358.58 310.25 Td (such ) Tj ET Q q 0 0 0 rg BT 379.41 310.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 399.68 310.25 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 286.25 Td (Substantially ) Tj ET Q q 0 0 0 rg BT 140.13 286.25 Td (all ) Tj ET Q q 0 0 0 rg BT 152.53 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 163.27 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 177.89 286.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 201.40 286.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 238.23 286.25 Td (in ) Tj ET Q q 0 0 0 rg BT 248.42 286.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 298.59 286.25 Td (with ) Tj ET Q q 0 0 0 rg BT 318.77 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.40 286.25 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 358.58 286.25 Td (displayed ) Tj ET Q q 0 0 0 rg BT 399.32 286.25 Td (at ) Tj ET Q q 0 0 0 rg BT 408.94 286.25 Td (least ) Tj ET Q q 0 0 0 rg BT 429.67 286.25 Td (some ) Tj ET Q q 0 0 0 rg BT 453.19 286.25 Td (level ) Tj ET Q q 0 0 0 rg BT 475.03 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 485.76 286.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 510.93 286.25 Td (deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 77.27 274.25 Td (such ) Tj ET Q q 0 0 0 rg BT 98.10 274.25 Td (are ) Tj ET Q q 0 0 0 rg BT 112.81 274.25 Td (included ) Tj ET Q q 0 0 0 rg BT 149.74 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 160.57 274.25 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 216.94 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 233.88 274.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 271.92 274.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 295.53 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 306.36 274.25 Td (described ) Tj ET Q q 0 0 0 rg BT 347.18 274.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 399.66 274.25 Td (above.) Tj ET Q endstream endobj 103 0 obj <> endobj 104 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (51) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 742.10 Td (The following table sets forth the amounts of non-performing loans, non-performing assets, potential problem loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (and purchased credit-impaired loans \(excluding loans held for sale and other real estate owned acquired as part of our FDIC-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (assisted transactions\) at the dates indicated \(dollars in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 671.60 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 671.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 643.60 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 643.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 615.60 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 615.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 615.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 615.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 615.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 615.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 615.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 615.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 615.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 615.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 615.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 587.60 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 587.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 587.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 587.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 587.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 587.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 555.60 234.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 555.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 555.60 52.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 555.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 555.60 52.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 555.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 555.60 52.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 555.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 555.60 52.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 555.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 555.60 52.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 523.60 234.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 523.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 523.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 523.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 523.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 523.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 523.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 523.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 523.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 523.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 523.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 495.60 234.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 284.00 495.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 288.00 495.60 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 495.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 495.60 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.00 495.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.00 495.60 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 452.00 495.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 456.00 495.60 52.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.00 495.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.00 495.60 52.00 -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 288 683.6 m 340 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 683.6 m 344 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 683.6 m 396 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396 683.6 m 400 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 683.6 m 452 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452 683.6 m 456 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 683.6 m 508 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 683.6 m 512 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 683.6 m 564 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 683.6 m 340 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 671.6 m 340 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 683.6 m 344 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 683.6 m 396 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 671.6 m 396 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396 683.6 m 400 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 683.6 m 452 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 671.6 m 452 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 452 683.6 m 456 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 683.6 m 508 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 671.6 m 508 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508 683.6 m 512 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 683.6 m 564 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 671.6 m 564 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 629.6 m 340 629.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 629.6 m 396 629.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 629.6 m 452 629.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 629.6 m 508 629.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 629.6 m 564 629.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 587.6 m 340 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 587.6 m 396 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 587.6 m 452 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 587.6 m 508 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 587.6 m 564 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 587.6 m 340 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 574.6 m 340 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 572.6 m 340 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 587.6 m 396 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 574.6 m 396 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 572.6 m 396 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 587.6 m 452 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 574.6 m 452 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 572.6 m 452 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 587.6 m 508 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 574.6 m 508 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 572.6 m 508 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 587.6 m 564 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 574.6 m 564 574.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 572.6 m 564 572.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 556.6 m 340 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 288 554.6 m 340 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 556.6 m 396 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 554.6 m 396 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 556.6 m 452 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400 554.6 m 452 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 556.6 m 508 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 456 554.6 m 508 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 556.6 m 564 556.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512 554.6 m 564 554.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 686.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 397.00 687.68 Td (AtDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 674.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.50 675.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 360.50 675.00 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.50 675.00 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 472.50 675.00 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 528.50 675.00 Td (2012) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 662.17 Td (Non-performing loans:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 336.50 660.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 392.50 660.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 448.50 660.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 504.50 660.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 560.50 660.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 648.17 Td (Non-accruing loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 648.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 648.17 Td (48,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 648.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.60 648.17 Td (98,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.50 648.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.60 648.17 Td (82,733) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 648.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.60 648.17 Td (106,115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 648.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.60 648.17 Td (115,387) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 634.17 Td (Loans 90 days or more past due, still accruing interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 634.17 Td (10,378) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.65 634.17 Td (6,596) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 634.17 Td (4,354) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 634.17 Td (446) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.65 634.17 Td (1,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 620.17 Td (Total non-performing loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 620.17 Td (59,352) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.60 620.17 Td (104,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.60 620.17 Td (87,087) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.60 620.17 Td (106,561) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.60 620.17 Td (116,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 606.17 Td (Other real estate owned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 606.17 Td (26,279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.60 606.17 Td (31,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.60 606.17 Td (19,198) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.60 606.17 Td (23,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.60 606.17 Td (36,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 592.17 Td (Repossessed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 592.17 Td (322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.15 592.17 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.15 592.17 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 592.17 Td (840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.15 592.17 Td (773) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 578.17 Td (Total non-performing assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 578.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 578.17 Td (85,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 578.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.60 578.17 Td (136,295) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.50 578.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.60 578.17 Td (106,378) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 578.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.60 578.17 Td (130,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 578.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.60 578.17 Td (154,736) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 560.27 Td (Purchased credit-impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 560.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.60 560.27 Td (163,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 560.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.60 560.27 Td (141,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.50 560.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.60 560.27 Td (251,645) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 560.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.60 560.27 Td (235,720) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 560.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.60 560.27 Td (449,850) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 542.27 Td (Total allowance for loan and lease losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.50 542.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.60 542.27 Td (139,366) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.50 542.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.60 542.27 Td (128,140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.50 542.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.60 542.27 Td (110,026) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 542.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.60 542.27 Td (111,746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.50 542.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.60 542.27 Td (124,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 528.17 Td (Accruing restructured loans ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 166.07 532.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 528.17 Td (32,687) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.60 528.17 Td (26,991) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.60 528.17 Td (15,603) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.60 528.17 Td (29,430) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.60 528.17 Td (21,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 514.17 Td (Total non-performing loans to total loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 514.17 Td (0.46) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.15 514.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.65 514.17 Td (1.07) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.15 514.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 514.17 Td (0.96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.15 514.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 514.17 Td (1.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.15 514.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.65 514.17 Td (2.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 555.15 514.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 500.17 Td (Total non-performing assets to total assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.65 500.17 Td (0.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.65 500.17 Td (0.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.65 500.17 Td (0.73) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 500.17 Td (1.36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.65 500.17 Td (1.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 485.27 Td (Allowance for loan and lease losses to non-performing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 475.27 Td (loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.60 475.27 Td (234.81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.60 475.27 Td (122.43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.60 475.27 Td (126.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.60 475.27 Td (104.87) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.60 475.27 Td (106.17) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 459.10 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 452.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 448.30 Td (Accruing ) Tj ET Q q 0 0 0 rg BT 120.83 448.30 Td (restructured ) Tj ET Q q 0 0 0 rg BT 165.65 448.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 186.49 448.30 Td (consists ) Tj ET Q q 0 0 0 rg BT 216.83 448.30 Td (primarily ) Tj ET Q q 0 0 0 rg BT 252.17 448.30 Td (of ) Tj ET Q q 0 0 0 rg BT 261.51 448.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 282.35 448.30 Td (that ) Tj ET Q q 0 0 0 rg BT 297.68 448.30 Td (have ) Tj ET Q q 0 0 0 rg BT 316.52 448.30 Td (been ) Tj ET Q q 0 0 0 rg BT 335.35 448.30 Td (modified ) Tj ET Q q 0 0 0 rg BT 369.68 448.30 Td (and ) Tj ET Q q 0 0 0 rg BT 384.52 448.30 Td (are ) Tj ET Q q 0 0 0 rg BT 397.35 448.30 Td (performing ) Tj ET Q q 0 0 0 rg BT 439.68 448.30 Td (in ) Tj ET Q q 0 0 0 rg BT 448.52 448.30 Td (accordance ) Tj ET Q q 0 0 0 rg BT 490.83 448.30 Td (with ) Tj ET Q q 0 0 0 rg BT 508.67 448.30 Td (those ) Tj ET Q q 0 0 0 rg BT 529.51 448.30 Td (modified ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 437.50 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 425.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 413.50 Td (A) Tj ET Q q 0 0 0 rg BT 92.17 413.50 Td ( ) Tj ET Q q 0 0 0 rg BT 94.64 413.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 114.32 413.50 Td (is ) Tj ET Q q 0 0 0 rg BT 123.45 413.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 163.68 413.50 Td (as ) Tj ET Q q 0 0 0 rg BT 174.48 413.50 Td (a ) Tj ET Q q 0 0 0 rg BT 181.38 413.50 Td (troubled ) Tj ET Q q 0 0 0 rg BT 217.17 413.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 236.86 413.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 290.42 413.50 Td (when ) Tj ET Q q 0 0 0 rg BT 314.54 413.50 Td (a ) Tj ET Q q 0 0 0 rg BT 321.45 413.50 Td (borrower ) Tj ET Q q 0 0 0 rg BT 360.56 413.50 Td (is ) Tj ET Q q 0 0 0 rg BT 369.70 413.50 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 423.81 413.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 461.25 413.50 Td (dif) Tj ET Q q 0 0 0 rg BT 472.18 413.50 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 506.86 413.50 Td (that ) Tj ET Q q 0 0 0 rg BT 524.32 413.50 Td (leads ) Tj ET Q q 0 0 0 rg BT 547.33 413.50 Td (to ) Tj ET Q q 0 0 0 rg BT 557.58 413.50 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 401.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 103.67 401.50 Td (of ) Tj ET Q q 0 0 0 rg BT 115.08 401.50 Td (the ) Tj ET Q q 0 0 0 rg BT 130.37 401.50 Td (loan, ) Tj ET Q q 0 0 0 rg BT 153.16 401.50 Td (and ) Tj ET Q q 0 0 0 rg BT 170.68 401.50 Td (the ) Tj ET Q q 0 0 0 rg BT 185.97 401.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 227.93 401.50 Td (grants ) Tj ET Q q 0 0 0 rg BT 255.45 401.50 Td (concessions ) Tj ET Q q 0 0 0 rg BT 306.29 401.50 Td (to ) Tj ET Q q 0 0 0 rg BT 317.15 401.50 Td (the ) Tj ET Q q 0 0 0 rg BT 332.44 401.50 Td (borrower ) Tj ET Q q 0 0 0 rg BT 372.17 401.50 Td (in ) Tj ET Q q 0 0 0 rg BT 383.02 401.50 Td (the ) Tj ET Q q 0 0 0 rg BT 398.31 401.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 452.48 401.50 Td (that ) Tj ET Q q 0 0 0 rg BT 470.55 401.50 Td (it ) Tj ET Q q 0 0 0 rg BT 479.19 401.50 Td (would ) Tj ET Q q 0 0 0 rg BT 507.26 401.50 Td (not ) Tj ET Q q 0 0 0 rg BT 523.12 401.50 Td (otherwise ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 389.50 Td (consider) Tj ET Q q 0 0 0 rg BT 82.83 389.50 Td (. ) Tj ET Q q 0 0 0 rg BT 88.73 389.50 Td (These ) Tj ET Q q 0 0 0 rg BT 116.28 389.50 Td (concessions ) Tj ET Q q 0 0 0 rg BT 167.71 389.50 Td (may ) Tj ET Q q 0 0 0 rg BT 188.60 389.50 Td (include ) Tj ET Q q 0 0 0 rg BT 221.70 389.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 240.36 389.50 Td (reductions, ) Tj ET Q q 0 0 0 rg BT 288.18 389.50 Td (principal ) Tj ET Q q 0 0 0 rg BT 327.39 389.50 Td (for) Tj ET Q q 0 0 0 rg BT 338.87 389.50 Td (giveness, ) Tj ET Q q 0 0 0 rg BT 379.48 389.50 Td (extension ) Tj ET Q q 0 0 0 rg BT 421.48 389.50 Td (of ) Tj ET Q q 0 0 0 rg BT 433.48 389.50 Td (maturity ) Tj ET Q q 0 0 0 rg BT 471.03 389.50 Td (date ) Tj ET Q q 0 0 0 rg BT 491.35 389.50 Td (and ) Tj ET Q q 0 0 0 rg BT 509.46 389.50 Td (other ) Tj ET Q q 0 0 0 rg BT 533.68 389.50 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 377.50 Td (intended ) Tj ET Q q 0 0 0 rg BT 86.38 377.50 Td (to ) Tj ET Q q 0 0 0 rg BT 96.60 377.50 Td (minimize ) Tj ET Q q 0 0 0 rg BT 136.81 377.50 Td (potential ) Tj ET Q q 0 0 0 rg BT 174.24 377.50 Td (losses. ) Tj ET Q q 0 0 0 rg BT 205.04 377.50 Td (A) Tj ET Q q 0 0 0 rg BT 211.71 377.50 Td ( ) Tj ET Q q 0 0 0 rg BT 214.15 377.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 233.81 377.50 Td (that ) Tj ET Q q 0 0 0 rg BT 251.25 377.50 Td (is ) Tj ET Q q 0 0 0 rg BT 260.36 377.50 Td (modified ) Tj ET Q q 0 0 0 rg BT 298.91 377.50 Td (at ) Tj ET Q q 0 0 0 rg BT 308.57 377.50 Td (a ) Tj ET Q q 0 0 0 rg BT 315.45 377.50 Td (market ) Tj ET Q q 0 0 0 rg BT 345.65 377.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 363.08 377.50 Td (of ) Tj ET Q q 0 0 0 rg BT 373.86 377.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 405.73 377.50 Td (may ) Tj ET Q q 0 0 0 rg BT 425.39 377.50 Td (no ) Tj ET Q q 0 0 0 rg BT 437.83 377.50 Td (longer ) Tj ET Q q 0 0 0 rg BT 465.82 377.50 Td (be ) Tj ET Q q 0 0 0 rg BT 477.71 377.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 517.91 377.50 Td (as ) Tj ET Q q 0 0 0 rg BT 528.69 377.50 Td (troubled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 365.50 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.72 365.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 123.82 365.50 Td (in ) Tj ET Q q 0 0 0 rg BT 134.60 365.50 Td (the ) Tj ET Q q 0 0 0 rg BT 149.83 365.50 Td (calendar ) Tj ET Q q 0 0 0 rg BT 186.69 365.50 Td (year ) Tj ET Q q 0 0 0 rg BT 206.91 365.50 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 254.35 365.50 Td (to ) Tj ET Q q 0 0 0 rg BT 265.13 365.50 Td (the ) Tj ET Q q 0 0 0 rg BT 280.36 365.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 334.46 365.50 Td (if ) Tj ET Q q 0 0 0 rg BT 343.57 365.50 Td (it ) Tj ET Q q 0 0 0 rg BT 352.13 365.50 Td (is ) Tj ET Q q 0 0 0 rg BT 361.81 365.50 Td (in ) Tj ET Q q 0 0 0 rg BT 372.59 365.50 Td (compliance ) Tj ET Q q 0 0 0 rg BT 421.69 365.50 Td (with ) Tj ET Q q 0 0 0 rg BT 442.47 365.50 Td (the ) Tj ET Q q 0 0 0 rg BT 457.69 365.50 Td (modified ) Tj ET Q q 0 0 0 rg BT 496.80 365.50 Td (terms. ) Tj ET Q q 0 0 0 rg BT 527.02 365.50 Td (Payment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 353.50 Td (performance ) Tj ET Q q 0 0 0 rg BT 102.41 353.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 124.23 353.50 Td (and ) Tj ET Q q 0 0 0 rg BT 141.05 353.50 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 187.87 353.50 Td (to ) Tj ET Q q 0 0 0 rg BT 198.03 353.50 Td (the ) Tj ET Q q 0 0 0 rg BT 212.63 353.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 266.11 353.50 Td (is ) Tj ET Q q 0 0 0 rg BT 275.16 353.50 Td (taken ) Tj ET Q q 0 0 0 rg BT 299.20 353.50 Td (into ) Tj ET Q q 0 0 0 rg BT 317.14 353.50 Td (account ) Tj ET Q q 0 0 0 rg BT 350.61 353.50 Td (in ) Tj ET Q q 0 0 0 rg BT 360.77 353.50 Td (assessing ) Tj ET Q q 0 0 0 rg BT 400.38 353.50 Td (whether ) Tj ET Q q 0 0 0 rg BT 434.97 353.50 Td (it ) Tj ET Q q 0 0 0 rg BT 442.91 353.50 Td (is ) Tj ET Q q 0 0 0 rg BT 451.96 353.50 Td (likely ) Tj ET Q q 0 0 0 rg BT 477.12 353.50 Td (that ) Tj ET Q q 0 0 0 rg BT 494.50 353.50 Td (the ) Tj ET Q q 0 0 0 rg BT 509.09 353.50 Td (borrower ) Tj ET Q q 0 0 0 rg BT 548.13 353.50 Td (can ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 341.50 Td (meet ) Tj ET Q q 0 0 0 rg BT 72.20 341.50 Td (the ) Tj ET Q q 0 0 0 rg BT 87.69 341.50 Td (new ) Tj ET Q q 0 0 0 rg BT 107.62 341.50 Td (terms. ) Tj ET Q q 0 0 0 rg BT 137.87 341.50 Td (This ) Tj ET Q q 0 0 0 rg BT 158.92 341.50 Td (may ) Tj ET Q q 0 0 0 rg BT 179.41 341.50 Td (result ) Tj ET Q q 0 0 0 rg BT 204.90 341.50 Td (in ) Tj ET Q q 0 0 0 rg BT 215.95 341.50 Td (the ) Tj ET Q q 0 0 0 rg BT 231.43 341.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 251.92 341.50 Td (being ) Tj ET Q q 0 0 0 rg BT 277.41 341.50 Td (returned ) Tj ET Q q 0 0 0 rg BT 313.99 341.50 Td (to ) Tj ET Q q 0 0 0 rg BT 325.04 341.50 Td (accrual ) Tj ET Q q 0 0 0 rg BT 357.17 341.50 Td (at ) Tj ET Q q 0 0 0 rg BT 367.66 341.50 Td (the ) Tj ET Q q 0 0 0 rg BT 383.15 341.50 Td (time ) Tj ET Q q 0 0 0 rg BT 404.19 341.50 Td (of ) Tj ET Q q 0 0 0 rg BT 415.79 341.50 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 474.44 341.50 Td (A) Tj ET Q q 0 0 0 rg BT 481.11 341.50 Td ( ) Tj ET Q q 0 0 0 rg BT 484.38 341.50 Td (period ) Tj ET Q q 0 0 0 rg BT 513.19 341.50 Td (of ) Tj ET Q q 0 0 0 rg BT 524.79 341.50 Td (sustained ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 329.50 Td (repayment ) Tj ET Q q 0 0 0 rg BT 94.20 329.50 Td (for ) Tj ET Q q 0 0 0 rg BT 108.36 329.50 Td (at ) Tj ET Q q 0 0 0 rg BT 118.08 329.50 Td (least ) Tj ET Q q 0 0 0 rg BT 138.90 329.50 Td (six ) Tj ET Q q 0 0 0 rg BT 153.07 329.50 Td (months ) Tj ET Q q 0 0 0 rg BT 185.02 329.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 224.72 329.50 Td (is ) Tj ET Q q 0 0 0 rg BT 233.89 329.50 Td (required ) Tj ET Q q 0 0 0 rg BT 269.71 329.50 Td (for ) Tj ET Q q 0 0 0 rg BT 283.87 329.50 Td (return ) Tj ET Q q 0 0 0 rg BT 310.25 329.50 Td (to ) Tj ET Q q 0 0 0 rg BT 320.53 329.50 Td (accrual ) Tj ET Q q 0 0 0 rg BT 351.89 329.50 Td (status.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 317.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 305.50 Td (Periodically) Tj ET Q q 0 0 0 rg BT 133.17 305.50 Td (, ) Tj ET Q q 0 0 0 rg BT 137.52 305.50 Td (the ) Tj ET Q q 0 0 0 rg BT 151.58 305.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 192.31 305.50 Td (will ) Tj ET Q q 0 0 0 rg BT 209.71 305.50 Td (restructure ) Tj ET Q q 0 0 0 rg BT 254.31 305.50 Td (a ) Tj ET Q q 0 0 0 rg BT 260.59 305.50 Td (note ) Tj ET Q q 0 0 0 rg BT 279.65 305.50 Td (into ) Tj ET Q q 0 0 0 rg BT 297.05 305.50 Td (two ) Tj ET Q q 0 0 0 rg BT 313.90 305.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 348.50 305.50 Td (notes ) Tj ET Q q 0 0 0 rg BT 371.45 305.50 Td (\(A/B ) Tj ET Q q 0 0 0 rg BT 393.30 305.50 Td (structure\), ) Tj ET Q q 0 0 0 rg BT 435.96 305.50 Td (char) Tj ET Q q 0 0 0 rg BT 452.98 305.50 Td (ging ) Tj ET Q q 0 0 0 rg BT 472.61 305.50 Td (of) Tj ET Q q 0 0 0 rg BT 480.75 305.50 Td (f ) Tj ET Q q 0 0 0 rg BT 485.93 305.50 Td (the ) Tj ET Q q 0 0 0 rg BT 499.99 305.50 Td (entire ) Tj ET Q q 0 0 0 rg BT 524.60 305.50 Td (B ) Tj ET Q q 0 0 0 rg BT 533.11 305.50 Td (portion ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 293.50 Td (of ) Tj ET Q q 0 0 0 rg BT 59.71 293.50 Td (the ) Tj ET Q q 0 0 0 rg BT 73.80 293.50 Td (note. ) Tj ET Q q 0 0 0 rg BT 95.39 293.50 Td ( ) Tj ET Q q 0 0 0 rg BT 97.13 293.50 Td (The ) Tj ET Q q 0 0 0 rg BT 114.14 293.50 Td (A) Tj ET Q q 0 0 0 rg BT 120.81 293.50 Td ( ) Tj ET Q q 0 0 0 rg BT 122.69 293.50 Td (note ) Tj ET Q q 0 0 0 rg BT 141.78 293.50 Td (is ) Tj ET Q q 0 0 0 rg BT 150.33 293.50 Td (structured ) Tj ET Q q 0 0 0 rg BT 192.19 293.50 Td (with ) Tj ET Q q 0 0 0 rg BT 211.85 293.50 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 259.25 293.50 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 314.44 293.50 Td (and ) Tj ET Q q 0 0 0 rg BT 330.76 293.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 350.40 293.50 Td (flow ) Tj ET Q q 0 0 0 rg BT 370.61 293.50 Td (coverage ) Tj ET Q q 0 0 0 rg BT 408.57 293.50 Td (ratios ) Tj ET Q q 0 0 0 rg BT 432.66 293.50 Td (that ) Tj ET Q q 0 0 0 rg BT 449.53 293.50 Td (provide ) Tj ET Q q 0 0 0 rg BT 481.96 293.50 Td (for ) Tj ET Q q 0 0 0 rg BT 495.49 293.50 Td (a ) Tj ET Q q 0 0 0 rg BT 501.81 293.50 Td (high ) Tj ET Q q 0 0 0 rg BT 521.46 293.50 Td (likelihood ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 281.50 Td (of ) Tj ET Q q 0 0 0 rg BT 59.70 281.50 Td (repayment. ) Tj ET Q q 0 0 0 rg BT 106.27 281.50 Td ( ) Tj ET Q q 0 0 0 rg BT 108.00 281.50 Td (The ) Tj ET Q q 0 0 0 rg BT 125.01 281.50 Td (A) Tj ET Q q 0 0 0 rg BT 131.68 281.50 Td ( ) Tj ET Q q 0 0 0 rg BT 133.55 281.50 Td (note ) Tj ET Q q 0 0 0 rg BT 152.63 281.50 Td (is ) Tj ET Q q 0 0 0 rg BT 161.17 281.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 200.80 281.50 Td (as ) Tj ET Q q 0 0 0 rg BT 211.00 281.50 Td (a ) Tj ET Q q 0 0 0 rg BT 217.31 281.50 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 282.50 281.50 Td (note ) Tj ET Q q 0 0 0 rg BT 301.58 281.50 Td (until ) Tj ET Q q 0 0 0 rg BT 321.79 281.50 Td (the ) Tj ET Q q 0 0 0 rg BT 335.87 281.50 Td (borrower ) Tj ET Q q 0 0 0 rg BT 374.39 281.50 Td (has ) Tj ET Q q 0 0 0 rg BT 389.59 281.50 Td (displayed ) Tj ET Q q 0 0 0 rg BT 429.79 281.50 Td (a ) Tj ET Q q 0 0 0 rg BT 436.09 281.50 Td (historical ) Tj ET Q q 0 0 0 rg BT 475.17 281.50 Td (payment ) Tj ET Q q 0 0 0 rg BT 511.48 281.50 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 269.50 Td (for ) Tj ET Q q 0 0 0 rg BT 63.03 269.50 Td (a ) Tj ET Q q 0 0 0 rg BT 69.34 269.50 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 113.96 269.50 Td (time ) Tj ET Q q 0 0 0 rg BT 133.60 269.50 Td (prior ) Tj ET Q q 0 0 0 rg BT 154.91 269.50 Td (to ) Tj ET Q q 0 0 0 rg BT 164.56 269.50 Td (and ) Tj ET Q q 0 0 0 rg BT 180.87 269.50 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 227.17 269.50 Td (to ) Tj ET Q q 0 0 0 rg BT 236.82 269.50 Td (the ) Tj ET Q q 0 0 0 rg BT 250.91 269.50 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 306.37 269.50 Td ( ) Tj ET Q q 0 0 0 rg BT 307.83 269.50 Td (A) Tj ET Q q 0 0 0 rg BT 314.50 269.50 Td ( ) Tj ET Q q 0 0 0 rg BT 316.36 269.50 Td (period ) Tj ET Q q 0 0 0 rg BT 343.78 269.50 Td (of ) Tj ET Q q 0 0 0 rg BT 353.98 269.50 Td (sustained ) Tj ET Q q 0 0 0 rg BT 393.07 269.50 Td (repayment ) Tj ET Q q 0 0 0 rg BT 437.14 269.50 Td (for ) Tj ET Q q 0 0 0 rg BT 450.67 269.50 Td (at ) Tj ET Q q 0 0 0 rg BT 459.75 269.50 Td (least ) Tj ET Q q 0 0 0 rg BT 479.95 269.50 Td (six ) Tj ET Q q 0 0 0 rg BT 493.49 269.50 Td (months ) Tj ET Q q 0 0 0 rg BT 524.80 269.50 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 257.50 Td (is ) Tj ET Q q 0 0 0 rg BT 57.69 257.50 Td (required ) Tj ET Q q 0 0 0 rg BT 92.52 257.50 Td (to ) Tj ET Q q 0 0 0 rg BT 101.82 257.50 Td (return ) Tj ET Q q 0 0 0 rg BT 127.21 257.50 Td (the ) Tj ET Q q 0 0 0 rg BT 140.95 257.50 Td (note ) Tj ET Q q 0 0 0 rg BT 159.68 257.50 Td (to ) Tj ET Q q 0 0 0 rg BT 168.98 257.50 Td (accrual ) Tj ET Q q 0 0 0 rg BT 199.36 257.50 Td (status ) Tj ET Q q 0 0 0 rg BT 223.65 257.50 Td (provided ) Tj ET Q q 0 0 0 rg BT 260.72 257.50 Td (that ) Tj ET Q q 0 0 0 rg BT 277.23 257.50 Td (management ) Tj ET Q q 0 0 0 rg BT 329.83 257.50 Td (has ) Tj ET Q q 0 0 0 rg BT 344.68 257.50 Td (determined ) Tj ET Q q 0 0 0 rg BT 391.18 257.50 Td (that ) Tj ET Q q 0 0 0 rg BT 407.69 257.50 Td (the ) Tj ET Q q 0 0 0 rg BT 421.43 257.50 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.47 257.50 Td (is ) Tj ET Q q 0 0 0 rg BT 481.66 257.50 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 526.49 257.50 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 245.50 Td (to ) Tj ET Q q 0 0 0 rg BT 59.68 245.50 Td (continue. ) Tj ET Q q 0 0 0 rg BT 99.02 245.50 Td ( ) Tj ET Q q 0 0 0 rg BT 101.26 245.50 Td (The ) Tj ET Q q 0 0 0 rg BT 118.68 245.50 Td (A) Tj ET Q q 0 0 0 rg BT 125.35 245.50 Td ( ) Tj ET Q q 0 0 0 rg BT 127.75 245.50 Td (note ) Tj ET Q q 0 0 0 rg BT 147.38 245.50 Td (will ) Tj ET Q q 0 0 0 rg BT 165.34 245.50 Td (be ) Tj ET Q q 0 0 0 rg BT 177.19 245.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 217.35 245.50 Td (as ) Tj ET Q q 0 0 0 rg BT 228.09 245.50 Td (a ) Tj ET Q q 0 0 0 rg BT 234.94 245.50 Td (restructured ) Tj ET Q q 0 0 0 rg BT 285.10 245.50 Td (note ) Tj ET Q q 0 0 0 rg BT 304.72 245.50 Td (\(either ) Tj ET Q q 0 0 0 rg BT 333.22 245.50 Td (performing ) Tj ET Q q 0 0 0 rg BT 380.61 245.50 Td (or ) Tj ET Q q 0 0 0 rg BT 391.35 245.50 Td (non-performing\) ) Tj ET Q q 0 0 0 rg BT 460.40 245.50 Td (through ) Tj ET Q q 0 0 0 rg BT 493.91 245.50 Td (the ) Tj ET Q q 0 0 0 rg BT 508.54 245.50 Td (calendar ) Tj ET Q q 0 0 0 rg BT 544.81 245.50 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 233.50 Td (of ) Tj ET Q q 0 0 0 rg BT 60.33 233.50 Td (the ) Tj ET Q q 0 0 0 rg BT 75.05 233.50 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 128.64 233.50 Td (that ) Tj ET Q q 0 0 0 rg BT 146.14 233.50 Td (the ) Tj ET Q q 0 0 0 rg BT 160.85 233.50 Td (historical ) Tj ET Q q 0 0 0 rg BT 200.56 233.50 Td (payment ) Tj ET Q q 0 0 0 rg BT 237.50 233.50 Td (performance ) Tj ET Q q 0 0 0 rg BT 290.52 233.50 Td (has ) Tj ET Q q 0 0 0 rg BT 306.35 233.50 Td (been ) Tj ET Q q 0 0 0 rg BT 327.73 233.50 Td (established. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 209.50 Td (Non-performing ) Tj ET Q q 0 0 0 rg BT 153.31 209.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 178.91 209.50 Td (consists ) Tj ET Q q 0 0 0 rg BT 212.85 209.50 Td (of ) Tj ET Q q 0 0 0 rg BT 223.46 209.50 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 289.04 209.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.42 209.50 Td (as ) Tj ET Q q 0 0 0 rg BT 323.02 209.50 Td (well ) Tj ET Q q 0 0 0 rg BT 342.51 209.50 Td (as ) Tj ET Q q 0 0 0 rg BT 353.12 209.50 Td (other ) Tj ET Q q 0 0 0 rg BT 375.93 209.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 425.42 209.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.02 209.50 Td (and ) Tj ET Q q 0 0 0 rg BT 467.73 209.50 Td (other ) Tj ET Q q 0 0 0 rg BT 490.55 209.50 Td (real ) Tj ET Q q 0 0 0 rg BT 507.81 209.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 532.84 209.50 Td (owned. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 197.50 Td (Other ) Tj ET Q q 0 0 0 rg BT 74.67 197.50 Td (real ) Tj ET Q q 0 0 0 rg BT 92.06 197.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 117.23 197.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 146.29 197.50 Td (represents ) Tj ET Q q 0 0 0 rg BT 189.23 197.50 Td (properties ) Tj ET Q q 0 0 0 rg BT 231.62 197.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 268.45 197.50 Td (through ) Tj ET Q q 0 0 0 rg BT 301.96 197.50 Td (foreclosure ) Tj ET Q q 0 0 0 rg BT 349.34 197.50 Td (or ) Tj ET Q q 0 0 0 rg BT 360.08 197.50 Td (other ) Tj ET Q q 0 0 0 rg BT 383.03 197.50 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 433.75 197.50 Td (and ) Tj ET Q q 0 0 0 rg BT 450.59 197.50 Td (is ) Tj ET Q q 0 0 0 rg BT 459.66 197.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 497.04 197.50 Td (at ) Tj ET Q q 0 0 0 rg BT 506.66 197.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 522.94 197.50 Td (value ) Tj ET Q q 0 0 0 rg BT 547.00 197.50 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 185.50 Td (the ) Tj ET Q q 0 0 0 rg BT 63.96 185.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 104.53 185.50 Td (cost ) Tj ET Q q 0 0 0 rg BT 122.88 185.50 Td (of ) Tj ET Q q 0 0 0 rg BT 133.46 185.50 Td (disposal ) Tj ET Q q 0 0 0 rg BT 168.48 185.50 Td (at ) Tj ET Q q 0 0 0 rg BT 177.94 185.50 Td (the ) Tj ET Q q 0 0 0 rg BT 192.40 185.50 Td (date ) Tj ET Q q 0 0 0 rg BT 211.30 185.50 Td (of ) Tj ET Q q 0 0 0 rg BT 221.88 185.50 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 273.01 185.50 Td (Other ) Tj ET Q q 0 0 0 rg BT 298.02 185.50 Td (real ) Tj ET Q q 0 0 0 rg BT 315.25 185.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 340.26 185.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 369.16 185.50 Td (is ) Tj ET Q q 0 0 0 rg BT 378.08 185.50 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 418.63 185.50 Td (regularly ) Tj ET Q q 0 0 0 rg BT 456.97 185.50 Td (to ) Tj ET Q q 0 0 0 rg BT 467.00 185.50 Td (ensure ) Tj ET Q q 0 0 0 rg BT 495.34 185.50 Td (that ) Tj ET Q q 0 0 0 rg BT 512.58 185.50 Td (the ) Tj ET Q q 0 0 0 rg BT 527.04 185.50 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 173.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 81.44 173.50 Td (is ) Tj ET Q q 0 0 0 rg BT 90.06 173.50 Td (supported ) Tj ET Q q 0 0 0 rg BT 131.44 173.50 Td (by ) Tj ET Q q 0 0 0 rg BT 143.39 173.50 Td (its ) Tj ET Q q 0 0 0 rg BT 154.78 173.50 Td (current ) Tj ET Q q 0 0 0 rg BT 185.04 173.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 200.86 173.50 Td (value. ) Tj ET Q q 0 0 0 rg BT 229.33 173.50 Td (V) Tj ET Q q 0 0 0 rg BT 235.44 173.50 Td (aluation ) Tj ET Q q 0 0 0 rg BT 269.60 173.50 Td (allowances ) Tj ET Q q 0 0 0 rg BT 315.97 173.50 Td (to ) Tj ET Q q 0 0 0 rg BT 325.69 173.50 Td (reduce ) Tj ET Q q 0 0 0 rg BT 354.28 173.50 Td (the ) Tj ET Q q 0 0 0 rg BT 368.44 173.50 Td (carrying ) Tj ET Q q 0 0 0 rg BT 403.71 173.50 Td (amount ) Tj ET Q q 0 0 0 rg BT 435.65 173.50 Td (to ) Tj ET Q q 0 0 0 rg BT 445.37 173.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 461.19 173.50 Td (value ) Tj ET Q q 0 0 0 rg BT 484.79 173.50 Td (less ) Tj ET Q q 0 0 0 rg BT 501.74 173.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 542.01 173.50 Td (costs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 161.50 Td (of ) Tj ET Q q 0 0 0 rg BT 60.40 161.50 Td (disposal ) Tj ET Q q 0 0 0 rg BT 95.74 161.50 Td (are ) Tj ET Q q 0 0 0 rg BT 110.51 161.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 148.05 161.50 Td (as ) Tj ET Q q 0 0 0 rg BT 158.95 161.50 Td (necessary) Tj ET Q q 0 0 0 rg BT 197.17 161.50 Td (. ) Tj ET Q q 0 0 0 rg BT 204.73 161.50 Td (Gains ) Tj ET Q q 0 0 0 rg BT 230.63 161.50 Td (and ) Tj ET Q q 0 0 0 rg BT 247.63 161.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 274.09 161.50 Td (and ) Tj ET Q q 0 0 0 rg BT 291.10 161.50 Td (changes ) Tj ET Q q 0 0 0 rg BT 325.87 161.50 Td (in ) Tj ET Q q 0 0 0 rg BT 336.21 161.50 Td (valuations ) Tj ET Q q 0 0 0 rg BT 379.88 161.50 Td (on ) Tj ET Q q 0 0 0 rg BT 392.45 161.50 Td (other ) Tj ET Q q 0 0 0 rg BT 415.56 161.50 Td (real ) Tj ET Q q 0 0 0 rg BT 433.11 161.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 458.44 161.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 487.67 161.50 Td (are ) Tj ET Q q 0 0 0 rg BT 502.44 161.50 Td (included ) Tj ET Q q 0 0 0 rg BT 539.44 161.50 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 161.50 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 149.50 Td (gain ) Tj ET Q q 0 0 0 rg BT 69.67 149.50 Td (\(loss\) ) Tj ET Q q 0 0 0 rg BT 94.85 149.50 Td (recognized ) Tj ET Q q 0 0 0 rg BT 141.67 149.50 Td (on ) Tj ET Q q 0 0 0 rg BT 154.63 149.50 Td (other ) Tj ET Q q 0 0 0 rg BT 178.13 149.50 Td (real ) Tj ET Q q 0 0 0 rg BT 196.07 149.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 221.79 149.50 Td (within ) Tj ET Q q 0 0 0 rg BT 250.31 149.50 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 301.03 149.50 Td (expense. ) Tj ET Q q 0 0 0 rg BT 341.19 149.50 Td (Expenses, ) Tj ET Q q 0 0 0 rg BT 384.41 149.50 Td (net ) Tj ET Q q 0 0 0 rg BT 399.59 149.50 Td (of ) Tj ET Q q 0 0 0 rg BT 410.87 149.50 Td (rental ) Tj ET Q q 0 0 0 rg BT 436.59 149.50 Td (income, ) Tj ET Q q 0 0 0 rg BT 471.48 149.50 Td (from ) Tj ET Q q 0 0 0 rg BT 493.88 149.50 Td (the ) Tj ET Q q 0 0 0 rg BT 509.05 149.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 553.67 149.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 137.50 Td (other ) Tj ET Q q 0 0 0 rg BT 73.00 137.50 Td (real ) Tj ET Q q 0 0 0 rg BT 90.93 137.50 Td (estate ) Tj ET Q q 0 0 0 rg BT 116.64 137.50 Td (owned ) Tj ET Q q 0 0 0 rg BT 146.25 137.50 Td (are ) Tj ET Q q 0 0 0 rg BT 161.41 137.50 Td (reflected ) Tj ET Q q 0 0 0 rg BT 199.33 137.50 Td (as ) Tj ET Q q 0 0 0 rg BT 210.61 137.50 Td (a ) Tj ET Q q 0 0 0 rg BT 218.00 137.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 253.70 137.50 Td (line ) Tj ET Q q 0 0 0 rg BT 271.64 137.50 Td (item ) Tj ET Q q 0 0 0 rg BT 292.37 137.50 Td (on ) Tj ET Q q 0 0 0 rg BT 305.32 137.50 Td (the ) Tj ET Q q 0 0 0 rg BT 320.48 137.50 Td (statement ) Tj ET Q q 0 0 0 rg BT 361.75 137.50 Td (of ) Tj ET Q q 0 0 0 rg BT 373.03 137.50 Td (operations. ) Tj ET Q q 0 0 0 rg BT 422.63 137.50 Td (Other ) Tj ET Q q 0 0 0 rg BT 448.35 137.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 498.51 137.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 524.79 137.50 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 125.50 Td (consist ) Tj ET Q q 0 0 0 rg BT 79.08 125.50 Td (of ) Tj ET Q q 0 0 0 rg BT 89.20 125.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 138.21 125.50 Td (vehicles. ) Tj ET Q q 0 0 0 rg BT 177.77 125.50 Td (Losses ) Tj ET Q q 0 0 0 rg BT 206.79 125.50 Td (on ) Tj ET Q q 0 0 0 rg BT 218.59 125.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 267.60 125.50 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 302.16 125.50 Td (are ) Tj ET Q q 0 0 0 rg BT 316.16 125.50 Td (char) Tj ET Q q 0 0 0 rg BT 333.19 125.50 Td (ged-of) Tj ET Q q 0 0 0 rg BT 359.10 125.50 Td (f ) Tj ET Q q 0 0 0 rg BT 364.23 125.50 Td (to ) Tj ET Q q 0 0 0 rg BT 373.81 125.50 Td (the ) Tj ET Q q 0 0 0 rg BT 387.82 125.50 Td (allowance ) Tj ET Q q 0 0 0 rg BT 430.15 125.50 Td (when ) Tj ET Q q 0 0 0 rg BT 453.61 125.50 Td (title ) Tj ET Q q 0 0 0 rg BT 470.96 125.50 Td (is ) Tj ET Q q 0 0 0 rg BT 479.42 125.50 Td (taken ) Tj ET Q q 0 0 0 rg BT 502.87 125.50 Td (and ) Tj ET Q q 0 0 0 rg BT 519.11 125.50 Td (the ) Tj ET Q q 0 0 0 rg BT 533.12 125.50 Td (vehicle ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 113.50 Td (is ) Tj ET Q q 0 0 0 rg BT 58.84 113.50 Td (valued. ) Tj ET Q q 0 0 0 rg BT 93.16 113.50 Td (Once ) Tj ET Q q 0 0 0 rg BT 116.92 113.50 Td (the ) Tj ET Q q 0 0 0 rg BT 131.80 113.50 Td (Bank ) Tj ET Q q 0 0 0 rg BT 155.58 113.50 Td (obtains ) Tj ET Q q 0 0 0 rg BT 187.13 113.50 Td (title, ) Tj ET Q q 0 0 0 rg BT 207.85 113.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 257.73 113.50 Td (vehicles ) Tj ET Q q 0 0 0 rg BT 293.16 113.50 Td (are ) Tj ET Q q 0 0 0 rg BT 308.03 113.50 Td (not ) Tj ET Q q 0 0 0 rg BT 323.47 113.50 Td (included ) Tj ET Q q 0 0 0 rg BT 360.57 113.50 Td (in ) Tj ET Q q 0 0 0 rg BT 371.02 113.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 397.29 113.50 Td (but ) Tj ET Q q 0 0 0 rg BT 412.74 113.50 Td (are ) Tj ET Q q 0 0 0 rg BT 427.61 113.50 Td (classified ) Tj ET Q q 0 0 0 rg BT 468.04 113.50 Td (as ) Tj ET Q q 0 0 0 rg BT 479.04 113.50 Td (other ) Tj ET Q q 0 0 0 rg BT 506.69 113.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 537.12 113.50 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 113.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 101.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 101.68 101.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 133.84 101.50 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 164.80 101.50 Td (The ) Tj ET Q q 0 0 0 rg BT 181.98 101.50 Td (typical ) Tj ET Q q 0 0 0 rg BT 210.83 101.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 243.02 101.50 Td (period ) Tj ET Q q 0 0 0 rg BT 270.20 101.50 Td (for ) Tj ET Q q 0 0 0 rg BT 283.50 101.50 Td (resale ) Tj ET Q q 0 0 0 rg BT 308.45 101.50 Td (of ) Tj ET Q q 0 0 0 rg BT 318.41 101.50 Td (repossessed ) Tj ET Q q 0 0 0 rg BT 367.26 101.50 Td (automobiles ) Tj ET Q q 0 0 0 rg BT 417.77 101.50 Td (is ) Tj ET Q q 0 0 0 rg BT 426.08 101.50 Td (less ) Tj ET Q q 0 0 0 rg BT 442.71 101.50 Td (than ) Tj ET Q q 0 0 0 rg BT 461.56 101.50 Td (90 ) Tj ET Q q 0 0 0 rg BT 473.20 101.50 Td (days ) Tj ET Q q 0 0 0 rg BT 493.16 101.50 Td (unless ) Tj ET Q q 0 0 0 rg BT 519.80 101.50 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 89.50 Td (repairs ) Tj ET Q q 0 0 0 rg BT 78.67 89.50 Td (to ) Tj ET Q q 0 0 0 rg BT 88.41 89.50 Td (the ) Tj ET Q q 0 0 0 rg BT 102.59 89.50 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 133.42 89.50 Td (are ) Tj ET Q q 0 0 0 rg BT 147.59 89.50 Td (needed ) Tj ET Q q 0 0 0 rg BT 177.87 89.50 Td (which ) Tj ET Q q 0 0 0 rg BT 204.27 89.50 Td (occasionally ) Tj ET Q q 0 0 0 rg BT 256.21 89.50 Td (results ) Tj ET Q q 0 0 0 rg BT 284.28 89.50 Td (in ) Tj ET Q q 0 0 0 rg BT 294.02 89.50 Td (a ) Tj ET Q q 0 0 0 rg BT 300.42 89.50 Td (longer ) Tj ET Q q 0 0 0 rg BT 327.93 89.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 360.45 89.50 Td (period. ) Tj ET Q q 0 0 0 rg BT 392.82 89.50 Td (The ) Tj ET Q q 0 0 0 rg BT 410.32 89.50 Td (typical ) Tj ET Q q 0 0 0 rg BT 439.50 89.50 Td (holding ) Tj ET Q q 0 0 0 rg BT 472.02 89.50 Td (period ) Tj ET Q q 0 0 0 rg BT 499.53 89.50 Td (for ) Tj ET Q q 0 0 0 rg BT 513.15 89.50 Td (motorcycles ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 77.50 Td (can ) Tj ET Q q 0 0 0 rg BT 66.45 77.50 Td (be ) Tj ET Q q 0 0 0 rg BT 78.97 77.50 Td (more ) Tj ET Q q 0 0 0 rg BT 102.60 77.50 Td (than ) Tj ET Q q 0 0 0 rg BT 122.89 77.50 Td (90 ) Tj ET Q q 0 0 0 rg BT 135.97 77.50 Td (days, ) Tj ET Q q 0 0 0 rg BT 159.88 77.50 Td (as ) Tj ET Q q 0 0 0 rg BT 171.28 77.50 Td (the ) Tj ET Q q 0 0 0 rg BT 186.58 77.50 Td (average ) Tj ET Q q 0 0 0 rg BT 220.74 77.50 Td (motorcycle ) Tj ET Q q 0 0 0 rg BT 268.80 77.50 Td (re-sale ) Tj ET Q q 0 0 0 rg BT 298.52 77.50 Td (period ) Tj ET Q q 0 0 0 rg BT 327.14 77.50 Td (is ) Tj ET Q q 0 0 0 rg BT 336.89 77.50 Td (longer ) Tj ET Q q 0 0 0 rg BT 365.52 77.50 Td (than ) Tj ET Q q 0 0 0 rg BT 385.81 77.50 Td (the ) Tj ET Q q 0 0 0 rg BT 401.11 77.50 Td (average ) Tj ET Q q 0 0 0 rg BT 435.27 77.50 Td (automobile ) Tj ET Q q 0 0 0 rg BT 483.33 77.50 Td (re-sale ) Tj ET Q q 0 0 0 rg BT 513.06 77.50 Td (period. ) Tj ET Q q 0 0 0 rg BT 546.46 77.50 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 65.50 Td (longer ) Tj ET Q q 0 0 0 rg BT 77.55 65.50 Td (average ) Tj ET Q q 0 0 0 rg BT 111.13 65.50 Td (period ) Tj ET Q q 0 0 0 rg BT 139.18 65.50 Td (for ) Tj ET Q q 0 0 0 rg BT 153.34 65.50 Td (motorcycles ) Tj ET Q q 0 0 0 rg BT 204.71 65.50 Td (is ) Tj ET Q q 0 0 0 rg BT 213.88 65.50 Td (a ) Tj ET Q q 0 0 0 rg BT 220.82 65.50 Td (result ) Tj ET Q q 0 0 0 rg BT 245.54 65.50 Td (of ) Tj ET Q q 0 0 0 rg BT 256.37 65.50 Td (cyclical ) Tj ET Q q 0 0 0 rg BT 289.95 65.50 Td (trends ) Tj ET Q q 0 0 0 rg BT 316.89 65.50 Td (in ) Tj ET Q q 0 0 0 rg BT 327.17 65.50 Td (the ) Tj ET Q q 0 0 0 rg BT 341.89 65.50 Td (motorcycle ) Tj ET Q q 0 0 0 rg BT 389.37 65.50 Td (market.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 53.50 Td () Tj ET Q endstream endobj 105 0 obj <> endobj 106 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 110.77 742.10 Td (real ) Tj ET Q q 0 0 0 rg BT 128.25 742.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 153.52 742.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 182.68 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 200.17 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 209.34 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 239.04 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.32 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 265.15 742.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 324.88 742.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 375.14 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 384.31 742.10 Td (excluded ) Tj ET Q q 0 0 0 rg BT 422.90 742.10 Td (from ) Tj ET Q q 0 0 0 rg BT 444.84 742.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 510.66 742.10 Td (assets. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 102.75 718.10 Td (following ) Tj ET Q q 0 0 0 rg BT 143.33 718.10 Td (table ) Tj ET Q q 0 0 0 rg BT 164.47 718.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 198.94 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.08 718.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 244.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.03 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 276.27 718.10 Td (real ) Tj ET Q q 0 0 0 rg BT 292.96 718.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 317.42 718.10 Td (owned, ) Tj ET Q q 0 0 0 rg BT 348.28 718.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 389.42 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 414.45 718.10 Td (related ) Tj ET Q q 0 0 0 rg BT 443.35 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 452.83 718.10 Td (FDIC-assisted ) 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 49.50 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.66 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.38 706.10 Td (years ) Tj 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536.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 271.34 536.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 300.16 536.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 337.32 536.10 Td (consisted ) Tj ET Q q 0 0 0 rg BT 376.70 536.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.19 536.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.86 536.10 Td ( ) Tj ET Q q 0 0 0 rg BT 401.02 536.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 443.17 536.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.11 536.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 482.77 536.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.66 536.10 Td ( ) Tj ET Q q 0 0 0 rg BT 513.82 536.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.32 536.10 Td (other ) Tj ET Q q 0 0 0 rg BT 547.02 536.10 Td (real ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 524.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 74.72 524.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 103.83 524.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 136.81 524.10 Td (related ) Tj ET Q q 0 0 0 rg BT 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512.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 500.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.16 500.10 Td (twenty-one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.14 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.36 500.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 155.56 500.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 175.55 500.10 Td ($4.0 ) Tj ET Q q 0 0 0 rg BT 195.27 500.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.16 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 226.38 500.10 Td (of ) Tj ET Q q 0 0 0 rg BT 236.93 500.10 Td (other ) Tj ET Q q 0 0 0 rg BT 259.69 500.10 Td (real ) Tj ET Q q 0 0 0 rg BT 276.89 500.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 301.87 500.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 330.75 500.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 363.50 500.10 Td (related ) Tj ET Q q 0 0 0 rg BT 392.92 500.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.91 500.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 444.01 500.10 Td (related ) Tj ET Q q 0 0 0 rg BT 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488.10 Td (years ) Tj ET Q q 0 0 0 rg BT 370.46 488.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.60 488.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 452.95 488.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.95 488.10 Td ( ) Tj ET Q q 0 0 0 rg BT 474.22 488.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.92 488.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.92 488.10 Td (, ) Tj ET Q q 0 0 0 rg BT 513.68 488.10 Td (respectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 476.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.74 476.10 Td (net ) Tj ET Q q 0 0 0 rg BT 81.75 476.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 108.44 476.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.57 476.10 Td ($446 ) Tj ET Q q 0 0 0 rg BT 142.37 476.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.48 476.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.28 476.10 Td (on ) Tj ET Q q 0 0 0 rg BT 194.08 476.10 Td (other ) Tj ET Q q 0 0 0 rg BT 217.43 476.10 Td (real ) Tj ET Q q 0 0 0 rg BT 235.21 476.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 260.77 476.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 290.23 476.10 Td (related ) Tj ET Q q 0 0 0 rg BT 320.24 476.10 Td (to ) Tj ET Q q 0 0 0 rg BT 330.81 476.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 356.94 476.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 394.17 476.10 Td (in ) Tj ET Q q 0 0 0 rg BT 404.74 476.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 464.76 476.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 515.33 476.10 Td (for ) Tj ET Q q 0 0 0 rg BT 529.79 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 476.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 464.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 75.88 464.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.46 464.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.46 464.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 452.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 440.10 Td (Potential Pr) Tj ET Q q 0 0 0 rg BT 100.69 440.10 Td (oblem Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 428.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 416.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 416.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 416.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.37 416.10 Td (define ) Tj ET Q q 0 0 0 rg BT 129.14 416.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 166.92 416.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 203.04 416.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 226.93 416.10 Td (as ) Tj ET Q q 0 0 0 rg BT 238.05 416.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 285.83 416.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 309.73 416.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 332.50 416.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 383.06 416.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.29 416.10 Td (that ) Tj ET Q q 0 0 0 rg BT 418.07 416.10 Td (do ) Tj ET Q q 0 0 0 rg BT 430.86 416.10 Td (not ) Tj ET Q q 0 0 0 rg BT 446.43 416.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 468.65 416.10 Td (the ) Tj ET Q q 0 0 0 rg BT 483.66 416.10 Td (definition ) Tj ET Q q 0 0 0 rg BT 525.33 416.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.45 416.10 Td (a ) Tj ET Q q 0 0 0 rg BT 543.68 416.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 404.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 96.74 404.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 116.21 404.10 Td (\(See ) Tj ET Q q 0 0 0 rg BT 136.23 404.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 165.14 404.10 Td (Quality ) Tj ET Q q 0 0 0 rg BT 201.83 404.10 Td (section ) Tj ET Q q 0 0 0 rg BT 232.41 404.10 Td (above ) Tj ET Q q 0 0 0 rg BT 258.54 404.10 Td (for ) Tj ET Q q 0 0 0 rg BT 272.45 404.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 338.02 404.10 Td (loans\). ) Tj ET Q q 0 0 0 rg BT 367.21 404.10 Td ( ) Tj ET Q q 0 0 0 rg BT 369.31 404.10 Td (W) Tj ET Q q 0 0 0 rg BT 377.94 404.10 Td (e ) Tj ET Q q 0 0 0 rg BT 384.63 404.10 Td (do ) Tj ET Q q 0 0 0 rg BT 396.89 404.10 Td (not ) Tj ET Q q 0 0 0 rg BT 411.92 404.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 458.60 404.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 486.94 404.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.98 404.10 Td (realize ) Tj ET Q q 0 0 0 rg BT 525.87 404.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 552.02 404.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 392.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 87.70 392.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 124.24 392.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 151.06 392.10 Td (but ) Tj ET Q q 0 0 0 rg BT 167.05 392.10 Td (we ) Tj ET Q q 0 0 0 rg BT 181.93 392.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 224.00 392.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 262.21 392.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 298.74 392.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.06 392.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 346.81 392.10 Td (a ) Tj ET Q q 0 0 0 rg BT 354.47 392.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 383.23 392.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 430.32 392.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.86 392.10 Td (default ) Tj ET Q q 0 0 0 rg BT 472.84 392.10 Td (and ) Tj ET Q q 0 0 0 rg BT 490.49 392.10 Td (require ) Tj ET Q q 0 0 0 rg BT 522.02 392.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 380.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 87.20 380.10 Td (by ) Tj ET Q q 0 0 0 rg BT 99.91 380.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 156.21 380.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.72 380.10 Td (The ) Tj ET Q q 0 0 0 rg BT 176.98 380.10 Td (following ) Tj ET Q q 0 0 0 rg BT 218.57 380.10 Td (table ) Tj ET Q q 0 0 0 rg BT 240.71 380.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 258.42 380.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 280.57 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.50 380.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 337.07 380.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 375.32 380.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 408.02 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.06 380.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 456.76 380.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 492.79 380.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 516.61 380.10 Td (at ) Tj ET Q q 0 0 0 rg BT 526.54 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 541.46 380.10 Td (dates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 368.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 88.65 368.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 102.26 368.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 356.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 316.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.00 316.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 316.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 316.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 316.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 316.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 316.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 288.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.00 288.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.00 288.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.00 288.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.00 288.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 288.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.00 288.60 56.00 -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 386 333.6 m 442 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 333.6 m 446 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 333.6 m 502 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 333.6 m 562 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 333.6 m 442 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 321.6 m 442 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442 333.6 m 446 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 321.6 m 502 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 333.6 m 562 333.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 321.6 m 562 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 321.6 m 442 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 321.6 m 502 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 321.6 m 562 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 274.6 m 442 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 261.6 m 442 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386 259.6 m 442 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 274.6 m 502 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 261.6 m 502 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446 259.6 m 502 259.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 274.6 m 562 274.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 261.6 m 562 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506 259.6 m 562 259.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 336.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.90 336.33 Td (AtDecember31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 52.50 324.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 403.50 324.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 463.50 324.33 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 523.50 324.33 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 307.17 Td (Commercial loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.50 307.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 307.17 Td (94,049) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.50 307.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 307.17 Td (102,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 307.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 307.17 Td (16,065) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 293.17 Td (Commercial loans collateralized by assignment of lease payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 293.17 Td (3,505) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 293.17 Td (7,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 293.17 Td (2,264) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 279.17 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 279.17 Td (46,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.65 279.17 Td (30,831) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 279.17 Td (37,322) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 265.17 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.50 265.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 265.17 Td (144,544) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.50 265.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.65 265.17 Td (139,941) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.50 265.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 265.17 Td (55,651) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 237.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 237.10 Td (Potential ) Tj ET Q q 0 0 0 rg BT 124.46 237.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 161.20 237.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 185.71 237.10 Td (increased ) Tj ET Q q 0 0 0 rg BT 226.88 237.10 Td (during ) Tj ET Q q 0 0 0 rg BT 256.40 237.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 279.81 237.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 320.43 237.10 Td (due ) Tj ET Q q 0 0 0 rg BT 338.28 237.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.46 237.10 Td (five ) Tj ET Q q 0 0 0 rg BT 368.42 237.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 419.03 237.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 473.54 237.10 Td (migrating ) Tj ET Q q 0 0 0 rg BT 515.83 237.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.02 237.10 Td (potential ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 225.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 85.33 225.10 Td (loans.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 201.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 96.44 201.10 Td (for) Tj ET Q q 0 0 0 rg BT 109.03 201.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.53 201.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 136.26 201.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.88 201.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 181.82 201.10 Td (Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 189.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 177.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 177.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 142.56 177.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 180.19 177.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.27 177.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 242.66 177.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.18 177.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 281.26 177.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.56 177.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 325.40 177.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 354.15 177.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 402.89 177.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 432.74 177.10 Td (is ) Tj ET Q q 0 0 0 rg BT 444.27 177.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 476.89 177.10 Td (to ) Tj ET Q q 0 0 0 rg BT 489.53 177.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.61 177.10 Td (portrayal ) Tj ET Q q 0 0 0 rg BT 547.57 177.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 165.10 Td (understanding ) Tj ET Q q 0 0 0 rg BT 108.75 165.10 Td (of ) Tj ET Q q 0 0 0 rg BT 119.67 165.10 Td (our ) Tj ET Q q 0 0 0 rg BT 135.59 165.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 173.16 165.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 213.52 165.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.55 165.10 Td (results ) Tj ET Q q 0 0 0 rg BT 259.25 165.10 Td (of ) Tj ET Q q 0 0 0 rg BT 270.17 165.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 316.91 165.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.50 165.10 Td (Selection ) Tj ET Q q 0 0 0 rg BT 359.31 165.10 Td (and ) Tj ET Q q 0 0 0 rg BT 376.34 165.10 Td (application ) Tj ET Q q 0 0 0 rg BT 423.35 165.10 Td (of ) Tj ET Q q 0 0 0 rg BT 434.28 165.10 Td (this ) Tj ET Q q 0 0 0 rg BT 451.31 165.10 Td (critical ) Tj ET Q q 0 0 0 rg BT 486.10 165.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 532.56 165.10 Td (policy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 153.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 85.84 153.10 Td (judgments, ) Tj ET Q q 0 0 0 rg BT 132.46 153.10 Td (estimates, ) Tj ET Q q 0 0 0 rg BT 174.63 153.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.53 153.10 Td (uncertainties ) Tj ET Q q 0 0 0 rg BT 245.07 153.10 Td (that ) Tj ET Q q 0 0 0 rg BT 262.52 153.10 Td (are ) Tj ET Q q 0 0 0 rg BT 277.19 153.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 307.97 153.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.20 153.10 Td (change. ) Tj ET Q q 0 0 0 rg BT 351.47 153.10 Td ( ) Tj ET Q q 0 0 0 rg BT 353.93 153.10 Td (In ) Tj ET Q q 0 0 0 rg BT 364.71 153.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.39 153.10 Td (event ) Tj ET Q q 0 0 0 rg BT 403.50 153.10 Td (that ) Tj ET Q q 0 0 0 rg BT 420.95 153.10 Td (dif) Tj ET Q q 0 0 0 rg BT 431.88 153.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 457.65 153.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 509.55 153.10 Td (or ) Tj ET Q q 0 0 0 rg BT 520.34 153.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 141.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.25 141.10 Td (to ) Tj ET Q q 0 0 0 rg BT 81.35 141.10 Td (prevail, ) Tj ET Q q 0 0 0 rg BT 113.93 141.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.69 141.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 174.66 141.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 196.98 141.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.52 141.10 Td (severity ) Tj ET Q q 0 0 0 rg BT 245.49 141.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.14 141.10 Td (such ) Tj ET Q q 0 0 0 rg BT 276.79 141.10 Td (changes, ) Tj ET Q q 0 0 0 rg BT 313.82 141.10 Td (materially ) Tj ET Q q 0 0 0 rg BT 356.67 141.10 Td (dif) Tj ET Q q 0 0 0 rg BT 367.60 141.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 393.24 141.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 430.54 141.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 470.63 141.10 Td (or ) Tj ET Q q 0 0 0 rg BT 481.28 141.10 Td (results ) Tj ET Q q 0 0 0 rg BT 509.71 141.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 141.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 129.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.67 129.10 Td (a ) Tj ET Q q 0 0 0 rg BT 65.61 129.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 110.86 129.10 Td (possibility) Tj ET Q q 0 0 0 rg BT 151.89 129.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 105.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 105.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 105.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.46 105.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 137.34 105.10 Td (our ) Tj ET Q q 0 0 0 rg BT 152.56 105.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 194.97 105.10 Td (for ) Tj ET Q q 0 0 0 rg BT 208.52 105.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 227.62 105.10 Td (and ) Tj ET Q q 0 0 0 rg BT 243.95 105.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 265.82 105.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 291.60 105.10 Td (at ) Tj ET Q q 0 0 0 rg BT 300.70 105.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.02 105.10 Td (level ) Tj ET Q q 0 0 0 rg BT 328.34 105.10 Td (that ) Tj ET Q q 0 0 0 rg BT 345.23 105.10 Td (management ) Tj ET Q q 0 0 0 rg BT 398.20 105.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 432.85 105.10 Td (is ) Tj ET Q q 0 0 0 rg BT 441.41 105.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 488.83 105.10 Td (to ) Tj ET Q q 0 0 0 rg BT 498.49 105.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 527.04 105.10 Td (probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 93.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 75.89 93.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.39 93.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 122.56 93.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 146.17 93.10 Td (based ) Tj ET Q q 0 0 0 rg BT 171.43 93.10 Td (on ) Tj ET Q q 0 0 0 rg BT 183.93 93.10 Td (an ) Tj ET Q q 0 0 0 rg BT 195.87 93.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 240.02 93.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.85 93.10 Td (the ) Tj ET Q q 0 0 0 rg BT 265.57 93.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 320.27 93.10 Td (of ) Tj ET Q q 0 0 0 rg BT 331.10 93.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 357.21 93.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 403.04 93.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 442.73 93.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.67 93.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 481.61 93.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 499.67 93.10 Td (experience.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 69.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 69.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 104.29 69.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 148.07 69.10 Td (for ) Tj ET Q q 0 0 0 rg BT 162.97 69.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 183.43 69.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.11 69.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 224.34 69.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 251.47 69.10 Td (is ) Tj ET Q q 0 0 0 rg BT 261.38 69.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 306.28 69.10 Td (of ) Tj ET Q q 0 0 0 rg BT 317.85 69.10 Td (three ) Tj ET Q q 0 0 0 rg BT 341.08 69.10 Td (elements: ) Tj ET Q q 0 0 0 rg BT 382.64 69.10 Td (a ) Tj ET Q q 0 0 0 rg BT 390.32 69.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 440.76 69.10 Td (related ) Tj ET Q q 0 0 0 rg BT 471.21 69.10 Td (general ) Tj ET Q q 0 0 0 rg BT 503.87 69.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 522.68 69.10 Td (reserve; ) Tj ET Q q 0 0 0 rg BT 557.57 69.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 57.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.61 57.10 Td (related ) Tj ET Q q 0 0 0 rg BT 129.73 57.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 163.75 57.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 195.53 57.10 Td (for ) Tj ET Q q 0 0 0 rg BT 210.11 57.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 248.57 57.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 275.37 57.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.73 57.10 Td (a ) Tj ET Q q 0 0 0 rg BT 300.08 57.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 341.88 57.10 Td (related ) Tj ET Q q 0 0 0 rg BT 372.00 57.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 403.78 57.10 Td (for ) Tj ET Q q 0 0 0 rg BT 418.36 57.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 447.59 57.10 Td (-balance ) Tj ET Q q 0 0 0 rg BT 484.37 57.10 Td (homogenous ) Tj ET Q q 0 0 0 rg BT 538.40 57.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 564.51 57.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 45.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 71.99 45.10 Td (element ) Tj ET Q q 0 0 0 rg BT 106.14 45.10 Td (is ) Tj ET Q q 0 0 0 rg BT 115.31 45.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 156.14 45.10 Td (below) Tj ET Q q 0 0 0 rg BT 179.92 45.10 Td (.) Tj ET Q endstream endobj 107 0 obj <> endobj 108 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (53) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 730.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 123.08 730.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 142.18 730.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 179.06 730.10 Td (General ) Tj ET Q q 0 0 0 rg BT 217.60 730.10 Td (Loss ) Tj ET Q q 0 0 0 rg BT 241.16 730.10 Td (Reserve.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 277.53 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.84 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 292.48 730.10 Td (e ) Tj ET Q q 0 0 0 rg BT 301.02 730.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 340.12 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.67 730.10 Td (general ) Tj ET Q q 0 0 0 rg BT 382.20 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 403.52 730.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 423.19 730.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 456.17 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 471.94 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 488.26 730.10 Td (four ) Tj ET Q q 0 0 0 rg BT 509.03 730.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 553.67 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (commercial-related ) Tj ET Q q 0 0 0 rg BT 129.09 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 152.07 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.71 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 176.90 718.10 Td (portfolio: ) Tj ET Q q 0 0 0 rg BT 216.54 718.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 265.60 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 291.08 718.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 340.14 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 363.11 718.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 418.83 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.69 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.77 718.10 Td (assignment ) Tj ET Q q 0 0 0 rg BT 491.63 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.83 718.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 523.67 718.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (\(lease ) Tj ET Q q 0 0 0 rg BT 75.32 706.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 104.75 706.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 154.45 706.10 Td (real ) Tj ET Q q 0 0 0 rg BT 171.94 706.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 197.20 706.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 220.81 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.75 706.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 289.68 706.10 Td (real ) Tj ET Q q 0 0 0 rg BT 307.17 706.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 332.43 706.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 358.54 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 682.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 113.57 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 129.97 682.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 150.27 682.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 168.34 682.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 194.74 682.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 228.10 682.10 Td (each ) Tj ET Q q 0 0 0 rg BT 249.49 682.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 272.28 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 293.14 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.43 682.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 350.38 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.78 682.10 Td (those ) Tj ET Q q 0 0 0 rg BT 385.97 682.10 Td (included ) Tj ET Q q 0 0 0 rg BT 423.48 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 434.33 682.10 Td (lar) Tj ET Q q 0 0 0 rg BT 444.70 682.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 457.21 682.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 487.51 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.92 682.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 528.15 682.10 Td (-balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 106.63 670.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 147.09 670.10 Td (related ) Tj ET Q q 0 0 0 rg BT 175.88 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 201.07 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 209.33 670.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 225.91 670.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 247.48 670.10 Td (between ) Tj ET Q q 0 0 0 rg BT 282.38 670.10 Td (one ) Tj ET Q q 0 0 0 rg BT 298.40 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 314.43 670.10 Td (nine ) Tj ET Q q 0 0 0 rg BT 333.23 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 344.81 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.61 670.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 404.08 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 422.88 670.10 Td (of) Tj ET Q q 0 0 0 rg BT 431.03 670.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 448.95 670.10 Td (, ) Tj ET Q q 0 0 0 rg BT 453.03 670.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 480.72 670.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 507.30 670.10 Td (Management, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 71.76 658.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 104.03 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 114.08 658.10 Td (any ) Tj ET Q q 0 0 0 rg BT 130.23 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 149.17 658.10 Td (committee. ) Tj ET Q q 0 0 0 rg BT 195.59 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.93 658.10 Td (A) Tj ET Q q 0 0 0 rg BT 203.60 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 205.32 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 224.25 658.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 245.96 658.10 Td ("one" ) Tj ET Q q 0 0 0 rg BT 270.28 658.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 312.53 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 318.69 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 337.62 658.10 Td (least ) Tj ET Q q 0 0 0 rg BT 357.67 658.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 382.16 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.65 658.10 Td (default, ) Tj ET Q q 0 0 0 rg BT 423.63 658.10 Td (while ) Tj ET Q q 0 0 0 rg BT 447.57 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 453.73 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 472.66 658.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 494.36 658.10 Td ("nine" ) Tj ET Q q 0 0 0 rg BT 521.46 658.10 Td (represents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.73 646.10 Td (loss. ) Tj ET Q q 0 0 0 rg BT 77.59 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.18 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 98.53 646.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 145.20 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.33 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 180.23 646.10 Td (defaulting ) Tj ET Q q 0 0 0 rg BT 223.57 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 238.03 646.10 Td (each ) Tj ET Q q 0 0 0 rg BT 259.14 646.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 276.93 646.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 305.55 646.10 Td (sometimes ) Tj ET Q q 0 0 0 rg BT 351.12 646.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 385.55 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.13 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 407.25 646.10 Td (default ) Tj ET Q q 0 0 0 rg BT 437.81 646.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 470.31 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 485.32 646.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 526.43 646.10 Td (based ) Tj ET Q q 0 0 0 rg BT 552.00 646.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.94 634.10 Td (frequency ) Tj ET Q q 0 0 0 rg BT 106.14 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.14 634.10 Td (which ) Tj ET Q q 0 0 0 rg BT 152.80 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 176.13 634.10 Td (migrate ) Tj ET Q q 0 0 0 rg BT 208.90 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 230.56 634.10 Td (one ) Tj ET Q q 0 0 0 rg BT 247.22 634.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 264.44 634.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 289.99 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.99 634.10 Td (another ) Tj ET Q q 0 0 0 rg BT 332.20 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.86 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.87 634.10 Td (default ) Tj ET Q q 0 0 0 rg BT 388.85 634.10 Td (status ) Tj ET Q q 0 0 0 rg BT 413.85 634.10 Td (over ) Tj ET Q q 0 0 0 rg BT 433.85 634.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 456.34 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.41 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 467.04 634.10 Td (e ) Tj ET Q q 0 0 0 rg BT 473.70 634.10 Td (use ) Tj ET Q q 0 0 0 rg BT 489.26 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 495.92 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 515.36 634.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 533.14 634.10 Td (reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (model ) Tj ET Q q 0 0 0 rg BT 77.97 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 96.44 622.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 149.33 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.02 622.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 207.38 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.18 622.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 239.87 622.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 258.34 622.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 289.03 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.95 622.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 347.63 622.10 Td (default ) Tj ET Q q 0 0 0 rg BT 378.87 622.10 Td (data ) Tj ET Q q 0 0 0 rg BT 399.00 622.10 Td (over ) Tj ET Q q 0 0 0 rg BT 420.24 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 428.15 622.10 Td (multi-year ) Tj ET Q q 0 0 0 rg BT 473.27 622.10 Td (period ) Tj ET Q q 0 0 0 rg BT 502.29 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 513.54 622.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 548.67 622.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 89.68 610.10 Td (default ) Tj ET Q q 0 0 0 rg BT 119.30 610.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 148.36 610.10 Td (\("EDFs"\). ) Tj ET Q q 0 0 0 rg BT 190.33 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 192.05 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 209.45 610.10 Td (model ) Tj ET Q q 0 0 0 rg BT 236.30 610.10 Td (tracks ) Tj ET Q q 0 0 0 rg BT 262.04 610.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 290.55 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 309.62 610.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 334.81 610.10 Td (migrations ) Tj ET Q q 0 0 0 rg BT 379.44 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 391.29 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 410.37 610.10 Td (type ) Tj ET Q q 0 0 0 rg BT 429.44 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.74 610.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 483.69 610.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 502.77 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 521.84 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 538.70 610.10 Td (rating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (migrations ) Tj ET Q q 0 0 0 rg BT 94.79 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 108.97 598.10 Td (16 ) Tj ET Q q 0 0 0 rg BT 121.48 598.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 147.60 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.94 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 168.00 598.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 209.40 598.10 Td (data ) Tj ET Q q 0 0 0 rg BT 228.57 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 237.76 598.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 273.60 598.10 Td (by ) Tj ET Q q 0 0 0 rg BT 286.12 598.10 Td (using ) Tj ET Q q 0 0 0 rg BT 310.30 598.10 Td (average ) Tj ET Q q 0 0 0 rg BT 343.91 598.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 370.31 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 384.49 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 396.45 598.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 437.84 598.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 461.45 598.10 Td (\(approximately ) Tj ET Q q 0 0 0 rg BT 525.05 598.10 Td (15 ) Tj ET Q q 0 0 0 rg BT 537.57 598.10 Td (years\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.78 586.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 93.93 586.10 Td (EDFs ) Tj ET Q q 0 0 0 rg BT 119.22 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 131.72 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 151.43 586.10 Td (type, ) Tj ET Q q 0 0 0 rg BT 173.65 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 191.15 586.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 216.98 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.91 586.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 267.15 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 272.15 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.65 586.10 Td (EDFs ) Tj ET Q q 0 0 0 rg BT 299.93 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 314.64 586.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 348.79 586.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 385.73 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 396.00 586.10 Td (December) Tj ET Q q 0 0 0 rg BT 436.54 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 441.54 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 574.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 562.10 Td (EDFs ) Tj ET Q q 0 0 0 rg BT 111.03 562.10 Td (are ) Tj ET Q q 0 0 0 rg BT 125.98 562.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 169.83 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 182.57 562.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 225.87 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 245.83 562.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 282.99 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.51 562.10 Td (each ) Tj ET Q q 0 0 0 rg BT 314.57 562.10 Td (risk-rating ) Tj ET Q q 0 0 0 rg BT 358.97 562.10 Td (category ) Tj ET Q q 0 0 0 rg BT 396.14 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 413.32 562.10 Td (again ) Tj ET Q q 0 0 0 rg BT 437.72 562.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 481.57 562.10 Td (by ) Tj ET Q q 0 0 0 rg BT 494.31 562.10 Td (an ) Tj ET Q q 0 0 0 rg BT 506.50 562.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 546.45 562.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (given ) Tj ET Q q 0 0 0 rg BT 74.67 550.10 Td (default ) Tj ET Q q 0 0 0 rg BT 105.39 550.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 141.66 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.28 550.10 Td (each ) Tj ET Q q 0 0 0 rg BT 177.55 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.72 550.10 Td (type ) Tj ET Q q 0 0 0 rg BT 217.89 550.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 248.61 550.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 300.99 550.10 Td (recoveries\) ) Tj ET Q q 0 0 0 rg BT 348.36 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.09 550.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 402.02 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.20 550.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 465.68 550.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 509.17 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 522.12 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 542.29 550.10 Td (type. ) Tj ET Q q 0 0 0 rg BT 564.51 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (This ) Tj ET Q q 0 0 0 rg BT 69.19 538.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 107.74 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 116.32 538.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 147.66 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 157.35 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.48 538.10 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 223.08 538.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 247.48 538.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 296.58 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 313.48 538.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 340.65 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.00 538.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 408.34 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 425.24 538.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 449.91 538.10 Td (components ) Tj ET Q q 0 0 0 rg BT 500.14 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 510.38 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.51 538.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 514.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 514.10 Td (o ) Tj ET Q q 0 0 0 rg BT 99.21 514.10 Td (account ) Tj ET Q q 0 0 0 rg BT 133.61 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 148.57 514.10 Td (current ) Tj ET Q q 0 0 0 rg BT 180.18 514.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 222.36 514.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 269.82 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.34 514.10 Td (general ) Tj ET Q q 0 0 0 rg BT 318.06 514.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 361.90 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 376.86 514.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 397.38 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.11 514.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 438.40 514.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 465.59 514.10 Td (\("ALLL"\) ) Tj ET Q q 0 0 0 rg BT 509.26 514.10 Td (also ) Tj ET Q q 0 0 0 rg BT 528.67 514.10 Td (includes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 99.16 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 112.71 502.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 178.45 502.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 210.05 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 211.93 502.10 Td (Macroeconomic ) Tj ET Q q 0 0 0 rg BT 278.79 502.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 307.89 502.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 333.66 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.35 502.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 372.52 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.41 502.10 Td (upward ) Tj ET Q q 0 0 0 rg BT 406.29 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 416.51 502.10 Td (downward ) Tj ET Q q 0 0 0 rg BT 460.60 502.10 Td (based ) Tj ET Q q 0 0 0 rg BT 485.26 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 497.15 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.25 502.10 Td (current ) Tj ET Q q 0 0 0 rg BT 541.45 502.10 Td (point ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.33 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.60 490.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 114.52 490.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 137.67 490.10 Td (using ) Tj ET Q q 0 0 0 rg BT 161.39 490.10 Td (predictive ) Tj ET Q q 0 0 0 rg BT 203.42 490.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 244.35 490.10 Td (data ) Tj ET Q q 0 0 0 rg BT 263.06 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.55 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 293.81 490.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 325.29 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.12 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.39 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 368.66 490.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 386.27 490.10 Td (model ) Tj ET Q q 0 0 0 rg BT 413.32 490.10 Td (through ) Tj ET Q q 0 0 0 rg BT 446.48 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 452.97 490.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 487.78 490.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 530.36 490.10 Td (element ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.18 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.42 478.10 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 129.15 478.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 178.37 478.10 Td (real ) Tj ET Q q 0 0 0 rg BT 195.38 478.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 222.66 478.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 274.12 478.10 Td (real ) Tj ET Q q 0 0 0 rg BT 291.13 478.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 315.92 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.38 478.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 354.39 478.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 373.63 478.10 Td (components. ) Tj ET Q q 0 0 0 rg BT 426.48 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.36 478.10 Td (T) Tj ET Q q 0 0 0 rg BT 433.77 478.10 Td (o ) Tj ET Q q 0 0 0 rg BT 440.79 478.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 482.80 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 498.15 478.10 Td (macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 81.31 466.10 Td (we ) Tj ET Q q 0 0 0 rg BT 95.08 466.10 Td (use ) Tj ET Q q 0 0 0 rg BT 110.51 466.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 143.71 466.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 184.69 466.10 Td (data ) Tj ET Q q 0 0 0 rg BT 203.45 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 220.54 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 235.98 466.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 264.20 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.08 466.10 Td (be ) Tj ET Q q 0 0 0 rg BT 285.62 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 292.17 466.10 Td (statistically ) Tj ET Q q 0 0 0 rg BT 339.82 466.10 Td (reliable ) Tj ET Q q 0 0 0 rg BT 371.90 466.10 Td (predictor ) Tj ET Q q 0 0 0 rg BT 410.10 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.54 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 435.97 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 460.84 466.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 486.83 466.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 518.92 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.80 466.10 Td (our ) Tj ET Q q 0 0 0 rg BT 544.24 466.10 Td (long ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (term ) Tj ET Q q 0 0 0 rg BT 71.12 454.10 Td (average ) Tj ET Q q 0 0 0 rg BT 105.50 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 131.56 454.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 161.24 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.30 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 172.94 454.10 Td (e ) Tj ET Q q 0 0 0 rg BT 180.67 454.10 Td (tested ) Tj ET Q q 0 0 0 rg BT 207.29 454.10 Td (over ) Tj ET Q q 0 0 0 rg BT 228.36 454.10 Td (20 ) Tj ET Q q 0 0 0 rg BT 241.65 454.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 283.82 454.10 Td (variables ) Tj ET Q q 0 0 0 rg BT 323.21 454.10 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 347.61 454.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 409.22 454.10 Td (index, ) Tj ET Q q 0 0 0 rg BT 437.23 454.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 500.52 454.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 521.30 454.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 542.38 454.10 Td (GDP) Tj ET Q q 0 0 0 rg BT 562.01 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 82.25 442.10 Td (etc.\). ) Tj ET Q q 0 0 0 rg BT 104.16 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.95 442.10 Td (W) Tj ET Q q 0 0 0 rg BT 114.59 442.10 Td (e ) Tj ET Q q 0 0 0 rg BT 120.95 442.10 Td (review ) Tj ET Q q 0 0 0 rg BT 150.08 442.10 Td (this ) Tj ET Q q 0 0 0 rg BT 166.45 442.10 Td (data ) Tj ET Q q 0 0 0 rg BT 185.03 442.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 221.39 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 231.09 442.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 272.99 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 289.91 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 310.17 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.53 442.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 365.66 442.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 405.91 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.62 442.10 Td (exist. ) Tj ET Q q 0 0 0 rg BT 438.93 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.71 442.10 Td (W) Tj ET Q q 0 0 0 rg BT 449.35 442.10 Td (e ) Tj ET Q q 0 0 0 rg BT 455.71 442.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 493.73 442.10 Td (use ) Tj ET Q q 0 0 0 rg BT 508.98 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 442.10 Td (following ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 115.86 430.10 Td (indicators ) Tj ET Q q 0 0 0 rg BT 157.79 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 168.07 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 183.90 430.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 250.26 430.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 276.07 430.10 Td (computation:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 418.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 406.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 137.34 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 160.85 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.70 406.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 200.09 406.10 Td (loans: ) Tj ET Q q 0 0 0 rg BT 228.88 406.10 Td (total ) Tj ET Q q 0 0 0 rg BT 249.06 406.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 284.25 406.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 319.97 406.10 Td (utilization, ) Tj ET Q q 0 0 0 rg BT 365.42 406.10 Td (our ) Tj ET Q q 0 0 0 rg BT 381.16 406.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 403.00 406.10 Td (period ) Tj ET Q q 0 0 0 rg BT 430.96 406.10 Td (net ) Tj ET Q q 0 0 0 rg BT 445.58 406.10 Td (char) Tj ET Q q 0 0 0 rg BT 462.61 406.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 483.53 406.10 Td (f ) Tj ET Q q 0 0 0 rg BT 489.26 406.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 510.55 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.39 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.02 406.10 Td (yield ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.00 394.10 Td (BBB-rated ) Tj ET Q q 0 0 0 rg BT 107.83 394.10 Td (debt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 382.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.03 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 118.11 370.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 142.97 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 166.17 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.71 370.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 234.24 370.10 Td (loans: ) Tj ET Q q 0 0 0 rg BT 262.73 370.10 Td (M2 ) Tj ET Q q 0 0 0 rg BT 278.71 370.10 Td (Money ) Tj ET Q q 0 0 0 rg BT 309.14 370.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 334.85 370.10 Td (our ) Tj ET Q q 0 0 0 rg BT 350.27 370.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 371.81 370.10 Td (period ) Tj ET Q q 0 0 0 rg BT 399.45 370.10 Td (net ) Tj ET Q q 0 0 0 rg BT 413.77 370.10 Td (char) Tj ET Q q 0 0 0 rg BT 430.79 370.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 451.71 370.10 Td (f ) Tj ET Q q 0 0 0 rg BT 457.14 370.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 480.61 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.93 370.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 514.81 370.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (real ) Tj ET Q q 0 0 0 rg BT 66.99 358.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.25 358.10 Td (index ) Tj ET Q q 0 0 0 rg BT 116.97 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.90 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 148.62 358.10 Td (CBOE ) Tj ET Q q 0 0 0 rg BT 177.61 358.10 Td (V) Tj ET Q q 0 0 0 rg BT 183.54 358.10 Td (olatility ) Tj ET Q q 0 0 0 rg BT 217.15 358.10 Td (Index.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 346.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 334.10 Td (Using ) Tj ET Q q 0 0 0 rg BT 113.03 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 128.89 334.10 Td (indicators ) Tj ET Q q 0 0 0 rg BT 171.97 334.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 197.83 334.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 227.84 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.92 334.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 276.77 334.10 Td (net ) Tj ET Q q 0 0 0 rg BT 292.63 334.10 Td (char) Tj ET Q q 0 0 0 rg BT 309.65 334.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 330.57 334.10 Td (f ) Tj ET Q q 0 0 0 rg BT 337.54 334.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 384.48 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 394.80 334.10 Td (calculated. ) Tj ET Q q 0 0 0 rg BT 441.46 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 444.84 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 464.03 334.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 504.88 334.10 Td (net ) Tj ET Q q 0 0 0 rg BT 520.73 334.10 Td (char) Tj ET Q q 0 0 0 rg BT 537.76 334.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 558.68 334.10 Td (f ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 94.85 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 103.57 322.10 Td (then ) Tj ET Q q 0 0 0 rg BT 122.83 322.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 164.30 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.13 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.39 322.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 211.53 322.10 Td (average ) Tj ET Q q 0 0 0 rg BT 244.66 322.10 Td (net ) Tj ET Q q 0 0 0 rg BT 258.93 322.10 Td (char) Tj ET Q q 0 0 0 rg BT 275.95 322.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 296.87 322.10 Td (f ) Tj ET Q q 0 0 0 rg BT 302.25 322.10 Td (percentage, ) Tj ET Q q 0 0 0 rg BT 350.10 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 366.58 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 373.07 322.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 438.97 322.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 484.90 322.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 510.27 322.10 Td (is ) Tj ET Q q 0 0 0 rg BT 518.98 322.10 Td (calculated. ) Tj ET Q q 0 0 0 rg BT 564.51 322.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.23 310.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 133.27 310.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 179.34 310.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 204.84 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 213.69 310.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 245.31 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.27 310.10 Td (each ) Tj ET Q q 0 0 0 rg BT 275.77 310.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 325.15 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 344.55 310.10 Td (type. ) Tj ET Q q 0 0 0 rg BT 366.45 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 368.64 310.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 390.81 310.10 Td (year) Tj ET Q q 0 0 0 rg BT 407.61 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 412.30 310.10 Td (we ) Tj ET Q q 0 0 0 rg BT 426.14 310.10 Td (review ) Tj ET Q q 0 0 0 rg BT 455.53 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.94 310.10 Td (predictive ) Tj ET Q q 0 0 0 rg BT 512.10 310.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 539.27 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 310.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 115.40 298.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 144.64 298.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.68 298.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 201.48 298.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 227.39 298.10 Td (net ) Tj ET Q q 0 0 0 rg BT 241.65 298.10 Td (char) Tj ET Q q 0 0 0 rg BT 258.67 298.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 279.59 298.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 288.85 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.67 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 312.93 298.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 352.17 298.10 Td (model ) Tj ET Q q 0 0 0 rg BT 379.20 298.10 Td (net ) Tj ET Q q 0 0 0 rg BT 393.46 298.10 Td (char) Tj ET Q q 0 0 0 rg BT 410.48 298.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 431.40 298.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 443.16 298.10 Td (re-run ) Tj ET Q q 0 0 0 rg BT 469.63 298.10 Td (our ) Tj ET Q q 0 0 0 rg BT 485.00 298.10 Td (regression ) Tj ET Q q 0 0 0 rg BT 528.13 298.10 Td (analyses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 286.10 Td (re-calibrate ) Tj ET Q q 0 0 0 rg BT 114.46 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.17 286.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 195.53 286.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 225.24 286.10 Td (as ) Tj ET Q q 0 0 0 rg BT 236.07 286.10 Td (appropriate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 274.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.90 262.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 155.95 262.10 Td (related ) Tj ET Q q 0 0 0 rg BT 187.01 262.10 Td (general ) Tj ET Q q 0 0 0 rg BT 220.29 262.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 239.70 262.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 272.43 262.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.83 262.10 Td ($120.2 ) Tj ET Q q 0 0 0 rg BT 323.19 262.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.08 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 355.93 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 368.12 262.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.30 262.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 440.24 262.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.24 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 464.09 262.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.39 262.10 Td ($94.2 ) Tj ET Q q 0 0 0 rg BT 508.74 262.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 537.63 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 541.49 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 262.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.61 250.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.61 250.10 Td (. ) Tj ET Q q 0 0 0 rg BT 132.14 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.16 250.10 Td (Reserves ) Tj ET Q q 0 0 0 rg BT 172.29 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.31 250.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 221.88 250.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 271.11 250.10 Td (related ) Tj ET Q q 0 0 0 rg BT 300.33 250.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 323.47 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 337.70 250.10 Td (included ) Tj ET Q q 0 0 0 rg BT 374.16 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 383.97 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.21 250.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 454.10 250.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 486.67 250.10 Td (Specific ) Tj ET Q q 0 0 0 rg BT 521.46 250.10 Td (Reserves ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (section ) Tj ET Q q 0 0 0 rg BT 80.33 238.10 Td (below) Tj ET Q q 0 0 0 rg BT 104.11 238.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 226.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 214.10 Td (Commer) Tj ET Q q 0 0 0 rg BT 123.08 214.10 Td (cial ) Tj ET Q q 0 0 0 rg BT 141.31 214.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 177.31 214.10 Td (Specific ) Tj ET Q q 0 0 0 rg BT 213.87 214.10 Td (Reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 254.13 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 259.87 214.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 278.65 214.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 322.42 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 337.31 214.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 357.77 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.44 214.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 398.66 214.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 425.79 214.10 Td (also ) Tj ET Q q 0 0 0 rg BT 445.13 214.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 481.69 214.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 516.02 214.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 552.01 214.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.50 202.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 137.15 202.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 163.21 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.13 202.10 Td (A) Tj ET Q q 0 0 0 rg BT 171.80 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.25 202.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 193.92 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 203.05 202.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 248.82 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.05 202.10 Td (be ) Tj ET Q q 0 0 0 rg BT 270.95 202.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 308.94 202.10 Td (when ) Tj ET Q q 0 0 0 rg BT 333.06 202.10 Td (management ) Tj ET Q q 0 0 0 rg BT 386.60 202.10 Td (believes, ) Tj ET Q q 0 0 0 rg BT 424.32 202.10 Td (after ) Tj ET Q q 0 0 0 rg BT 445.09 202.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 494.20 202.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 536.08 202.10 Td (ef) Tj ET Q q 0 0 0 rg BT 543.67 202.10 Td (forts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.63 190.10 Td (other ) Tj ET Q q 0 0 0 rg BT 89.86 190.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 122.26 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.16 190.10 Td (borrower's ) Tj ET Q q 0 0 0 rg BT 182.19 190.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 219.86 190.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 260.32 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 269.68 190.10 Td (such ) Tj ET Q q 0 0 0 rg BT 290.70 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 308.38 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.29 190.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 365.40 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.42 190.10 Td (all ) Tj ET Q q 0 0 0 rg BT 389.10 190.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 436.21 190.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 474.44 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.57 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 523.69 190.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.44 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 75.61 178.10 Td (doubtful.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 166.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 154.10 Td (At ) Tj ET Q q 0 0 0 rg BT 96.82 154.10 Td (each ) Tj ET Q q 0 0 0 rg BT 116.45 154.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 144.57 154.10 Td (-end, ) Tj ET Q q 0 0 0 rg BT 166.15 154.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 203.01 154.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 251.53 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 273.96 154.10 Td (are ) Tj ET Q q 0 0 0 rg BT 287.48 154.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 325.45 154.10 Td (individually) Tj ET Q q 0 0 0 rg BT 373.13 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 376.95 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 396.04 154.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 445.13 154.10 Td (made ) Tj ET Q q 0 0 0 rg BT 468.11 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.20 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 490.74 154.10 Td (general ) Tj ET Q q 0 0 0 rg BT 521.48 154.10 Td (calculated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 80.72 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 94.72 142.10 Td (each ) Tj ET Q q 0 0 0 rg BT 115.39 142.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 134.95 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 145.63 142.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 179.08 142.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 217.29 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 222.14 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.49 142.10 Td (Specific ) Tj ET Q q 0 0 0 rg BT 259.60 142.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 309.72 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 324.28 142.10 Td (made ) Tj ET Q q 0 0 0 rg BT 348.28 142.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 392.29 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 404.64 142.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 442.52 142.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 462.63 142.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 487.21 142.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 515.10 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.67 142.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.67 142.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.32 130.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 104.12 130.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 140.60 130.10 Td (each ) Tj ET Q q 0 0 0 rg BT 161.52 130.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 183.84 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 186.44 130.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 225.21 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 230.32 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.13 130.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 286.62 130.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 318.11 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 325.15 130.10 Td (current ) Tj ET Q q 0 0 0 rg BT 356.07 130.10 Td (external ) Tj ET Q q 0 0 0 rg BT 390.88 130.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 429.57 130.10 Td (\(within ) Tj ET Q q 0 0 0 rg BT 461.06 130.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 473.67 130.10 Td (months\) ) Tj ET Q q 0 0 0 rg BT 509.05 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 521.65 130.10 Td (real ) Tj ET Q q 0 0 0 rg BT 539.24 130.10 Td (estate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 82.81 118.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 121.13 118.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 147.51 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.28 118.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 168.61 118.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 207.47 118.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 235.24 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 244.69 118.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 283.01 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 293.56 118.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 326.33 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 346.88 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 361.87 118.10 Td (Interagency ) Tj ET Q q 0 0 0 rg BT 411.22 118.10 Td (Appraisal ) Tj ET Q q 0 0 0 rg BT 452.87 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.08 118.10 Td (Evaluation ) Tj ET Q q 0 0 0 rg BT 516.18 118.10 Td (Guidelines, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (most ) Tj ET Q q 0 0 0 rg BT 71.97 106.10 Td (recently ) Tj ET Q q 0 0 0 rg BT 107.19 106.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 141.86 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 152.65 106.10 Td (December ) Tj ET Q q 0 0 0 rg BT 196.76 106.10 Td (2010. ) Tj ET Q q 0 0 0 rg BT 222.27 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 224.63 106.10 Td (As ) Tj ET Q q 0 0 0 rg BT 238.76 106.10 Td (part ) Tj ET Q q 0 0 0 rg BT 257.32 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.67 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 285.02 106.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 334.12 106.10 Td (with ) Tj ET Q q 0 0 0 rg BT 354.92 106.10 Td (these ) Tj ET Q q 0 0 0 rg BT 378.48 106.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 425.10 106.10 Td (we ) Tj ET Q q 0 0 0 rg BT 439.78 106.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 477.79 106.10 Td (an ) Tj ET Q q 0 0 0 rg BT 490.25 106.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 523.14 106.10 Td (Appraisal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 82.55 94.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 132.25 94.10 Td (that ) Tj ET Q q 0 0 0 rg BT 149.74 94.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 184.45 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 201.39 94.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 234.99 94.10 Td (all ) Tj ET Q q 0 0 0 rg BT 247.48 94.10 Td (third ) Tj ET Q q 0 0 0 rg BT 268.87 94.10 Td (party ) Tj ET Q q 0 0 0 rg BT 291.92 94.10 Td (appraisals.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 70.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.21 70.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 133.86 70.10 Td (each ) Tj ET Q q 0 0 0 rg BT 154.56 70.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 192.48 70.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 242.06 70.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.66 70.10 Td (with ) Tj ET Q q 0 0 0 rg BT 281.82 70.10 Td (real ) Tj ET Q q 0 0 0 rg BT 299.18 70.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 324.33 70.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 363.90 70.10 Td (is ) Tj ET Q q 0 0 0 rg BT 372.95 70.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 411.98 70.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 450.45 70.10 Td (by ) Tj ET Q q 0 0 0 rg BT 462.83 70.10 Td (our ) Tj ET Q q 0 0 0 rg BT 478.54 70.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 517.02 70.10 Td (department ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.43 58.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 101.55 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 118.70 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.06 58.10 Td (most ) Tj ET Q q 0 0 0 rg BT 154.66 58.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 181.23 58.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 220.59 58.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 254.39 58.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 302.07 58.10 Td (during ) Tj ET Q q 0 0 0 rg BT 330.33 58.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 376.91 58.10 Td (quarters ) Tj ET Q q 0 0 0 rg BT 411.27 58.10 Td (until ) Tj ET Q q 0 0 0 rg BT 431.75 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.11 58.10 Td (next ) Tj ET Q q 0 0 0 rg BT 465.48 58.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 503.72 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 512.54 58.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 551.04 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 553.19 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 555.34 58.10 Td (If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 95.32 46.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 136.68 46.10 Td (by ) Tj ET Q q 0 0 0 rg BT 149.18 46.10 Td (our ) Tj ET Q q 0 0 0 rg BT 165.01 46.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 203.61 46.10 Td (department, ) Tj ET Q q 0 0 0 rg BT 253.59 46.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.30 46.10 Td (appraised ) Tj ET Q q 0 0 0 rg BT 309.12 46.10 Td (value ) Tj ET Q q 0 0 0 rg BT 333.27 46.10 Td (may ) Tj ET Q q 0 0 0 rg BT 352.99 46.10 Td (be ) Tj ET Q q 0 0 0 rg BT 364.93 46.10 Td (further ) Tj ET Q q 0 0 0 rg BT 394.64 46.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 440.46 46.10 Td (to ) Tj ET Q q 0 0 0 rg BT 450.74 46.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 478.77 46.10 Td (current ) Tj ET Q q 0 0 0 rg BT 509.59 46.10 Td (values. ) Tj ET Q q 0 0 0 rg BT 540.13 46.10 Td ( ) Tj ET Q endstream endobj 109 0 obj <> endobj 110 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 730.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 111.25 730.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 151.44 730.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 197.18 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 212.36 730.10 Td (also ) Tj ET Q q 0 0 0 rg BT 231.45 730.10 Td (used ) Tj ET Q q 0 0 0 rg BT 252.75 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.51 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 288.14 730.10 Td (non-real ) Tj ET Q q 0 0 0 rg BT 324.44 730.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 350.18 730.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 378.99 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 381.96 730.10 Td (Discounts ) Tj ET Q q 0 0 0 rg BT 424.94 730.10 Td (may ) Tj ET Q q 0 0 0 rg BT 445.13 730.10 Td (be ) Tj ET Q q 0 0 0 rg BT 457.55 730.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 489.96 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 500.72 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.91 730.10 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 83.80 718.10 Td (used ) Tj ET Q q 0 0 0 rg BT 104.21 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 117.96 718.10 Td (general ) Tj ET Q q 0 0 0 rg BT 149.47 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 185.44 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 210.86 718.10 Td (\("GBA"\). ) Tj ET Q q 0 0 0 rg BT 251.38 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.46 718.10 Td (Examples ) Tj ET Q q 0 0 0 rg BT 294.98 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 305.39 718.10 Td (GBA) Tj ET Q q 0 0 0 rg BT 325.96 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.04 718.10 Td (include ) Tj ET Q q 0 0 0 rg BT 359.56 718.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 396.63 718.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 442.29 718.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 479.96 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 484.55 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.07 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 517.59 718.10 Td (marketable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.16 706.10 Td (pledged. ) Tj ET Q q 0 0 0 rg BT 127.00 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 145.44 706.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 182.23 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 191.79 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 213.02 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.69 706.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 252.12 706.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 294.44 706.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 312.34 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 323.01 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.12 706.10 Td (event ) Tj ET Q q 0 0 0 rg BT 362.67 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.90 706.10 Td (default ) Tj ET Q q 0 0 0 rg BT 404.56 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 422.45 706.10 Td (may ) Tj ET Q q 0 0 0 rg BT 442.56 706.10 Td (not ) Tj ET Q q 0 0 0 rg BT 458.24 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 480.01 706.10 Td (been ) Tj ET Q q 0 0 0 rg BT 501.78 706.10 Td (included ) Tj ET Q q 0 0 0 rg BT 539.11 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 706.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 89.21 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 100.04 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.76 694.10 Td (asset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 682.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 670.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.11 670.10 Td (total ) Tj ET Q q 0 0 0 rg BT 122.96 670.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 172.22 670.10 Td (related ) Tj ET Q q 0 0 0 rg BT 201.49 670.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 234.65 670.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 269.48 670.10 Td (component ) Tj ET Q q 0 0 0 rg BT 315.98 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.38 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.66 670.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.26 670.10 Td (decreased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.68 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.75 670.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.59 670.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 454.16 670.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.05 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.12 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.52 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 670.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 658.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.94 658.10 Td ($16.2 ) Tj ET Q q 0 0 0 rg BT 118.94 658.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.83 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.33 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.16 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.99 658.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 230.57 658.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.57 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.07 658.10 Td (due ) Tj ET Q q 0 0 0 rg BT 270.01 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 280.29 658.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 314.46 658.10 Td (resolution ) Tj ET Q q 0 0 0 rg BT 356.95 658.10 Td (on ) Tj ET Q q 0 0 0 rg BT 369.45 658.10 Td (several ) Tj ET Q q 0 0 0 rg BT 400.27 658.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 466.08 658.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 646.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 85.50 634.10 Td (Consumer) Tj ET Q q 0 0 0 rg BT 129.76 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.70 634.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 168.40 634.10 Td (Reserves.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.66 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 214.09 634.10 Td (Pools ) Tj ET Q q 0 0 0 rg BT 239.26 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.52 634.10 Td (homogenous ) Tj ET Q q 0 0 0 rg BT 304.56 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 328.60 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 349.32 634.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 380.02 634.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 397.96 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.33 634.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 433.82 634.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 493.94 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 509.08 634.10 Td (also ) Tj ET Q q 0 0 0 rg BT 528.13 634.10 Td (assessed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 62.96 622.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 99.74 622.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 127.93 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 129.59 622.10 Td (These ) Tj ET Q q 0 0 0 rg BT 155.27 622.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 174.28 622.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 197.75 622.10 Td (include ) Tj ET Q q 0 0 0 rg BT 228.98 622.10 Td (consumer) Tj ET Q q 0 0 0 rg BT 267.46 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 271.75 622.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 315.20 622.10 Td (real ) Tj ET Q q 0 0 0 rg BT 331.98 622.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 359.04 622.10 Td (home ) Tj ET Q q 0 0 0 rg BT 383.06 622.10 Td (equity) Tj ET Q q 0 0 0 rg BT 407.40 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 411.70 622.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 436.26 622.10 Td (cards ) Tj ET Q q 0 0 0 rg BT 459.16 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.39 622.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 507.73 622.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 538.40 622.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 564.51 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (Migration ) Tj ET Q q 0 0 0 rg BT 91.48 610.10 Td (probabilities ) Tj ET Q q 0 0 0 rg BT 143.45 610.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 179.87 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 201.29 610.10 Td (past ) Tj ET Q q 0 0 0 rg BT 219.39 610.10 Td (due ) Tj ET Q q 0 0 0 rg BT 235.81 610.10 Td (roll ) Tj ET Q q 0 0 0 rg BT 251.68 610.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 268.65 610.10 Td (analyses ) Tj ET Q q 0 0 0 rg BT 304.51 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.93 610.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 360.13 610.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 377.67 610.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 398.53 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 412.72 610.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 444.14 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 453.90 610.10 Td (current ) Tj ET Q q 0 0 0 rg BT 484.20 610.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 520.61 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 530.37 610.10 Td (forecast ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (char) Tj ET Q q 0 0 0 rg BT 66.53 598.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 87.44 598.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 97.47 598.10 Td (over ) Tj ET Q q 0 0 0 rg BT 118.04 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.29 598.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 163.07 598.10 Td (time ) Tj ET Q q 0 0 0 rg BT 183.64 598.10 Td (horizon. ) Tj ET Q q 0 0 0 rg BT 219.49 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.10 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 240.45 598.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 276.01 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 290.47 598.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 332.16 598.10 Td (related ) Tj ET Q q 0 0 0 rg BT 362.16 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 386.07 598.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.09 598.10 Td ($15.9 ) Tj ET Q q 0 0 0 rg BT 441.39 598.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.29 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.09 598.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.11 598.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 598.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.44 586.10 Td ($17.8 ) Tj ET Q q 0 0 0 rg BT 91.44 586.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 122.83 586.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.55 586.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 191.13 586.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.13 586.10 Td (. ) Tj ET Q q 0 0 0 rg BT 216.13 586.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 574.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.33 562.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 151.87 562.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 176.84 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 192.93 562.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 248.46 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 262.88 562.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 313.96 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.93 562.10 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 394.44 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.53 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.50 562.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 463.79 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 478.21 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 498.19 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 515.38 562.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 538.13 562.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (but ) Tj ET Q q 0 0 0 rg BT 65.88 550.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.69 550.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 114.17 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 131.10 550.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 193.58 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 211.62 550.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 264.66 550.10 Td (based ) Tj ET Q q 0 0 0 rg BT 291.03 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 304.63 550.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 345.44 550.10 Td (information ) Tj ET Q q 0 0 0 rg BT 396.25 550.10 Td (related ) Tj ET Q q 0 0 0 rg BT 427.05 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 438.42 550.10 Td (char) Tj ET Q q 0 0 0 rg BT 455.45 550.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 476.37 550.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 487.19 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 505.22 550.10 Td (management's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 93.55 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.29 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.90 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 138.52 538.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 178.42 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 180.82 538.10 Td (In ) Tj ET Q q 0 0 0 rg BT 191.56 538.10 Td (this ) Tj ET Q q 0 0 0 rg BT 208.41 538.10 Td (regard, ) Tj ET Q q 0 0 0 rg BT 238.85 538.10 Td (we ) Tj ET Q q 0 0 0 rg BT 252.91 538.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 303.07 538.10 Td (review ) Tj ET Q q 0 0 0 rg BT 332.68 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 347.30 538.10 Td (following ) Tj ET Q q 0 0 0 rg BT 388.59 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.77 538.10 Td (validate ) Tj ET Q q 0 0 0 rg BT 432.82 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 448.55 538.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 491.49 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 505.55 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 525.17 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.01 538.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (losses: ) Tj ET Q q 0 0 0 rg BT 79.00 526.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 119.04 526.10 Td (net ) Tj ET Q q 0 0 0 rg BT 134.08 526.10 Td (char) Tj ET Q q 0 0 0 rg BT 151.11 526.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 172.02 526.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 182.07 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 193.23 526.10 Td (they ) Tj ET Q q 0 0 0 rg BT 213.27 526.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 238.30 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.91 526.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 271.17 526.10 Td (periods' ) Tj ET Q q 0 0 0 rg BT 305.24 526.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 348.60 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 363.09 526.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 383.13 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.40 526.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 423.21 526.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 444.10 526.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 493.58 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.74 526.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 544.78 526.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 92.68 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.76 514.10 Td (past ) Tj ET Q q 0 0 0 rg BT 125.17 514.10 Td (years ) Tj ET Q q 0 0 0 rg BT 150.56 514.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 194.29 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.36 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.88 514.10 Td (current ) Tj ET Q q 0 0 0 rg BT 255.49 514.10 Td (year) Tj ET Q q 0 0 0 rg BT 272.30 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 279.10 514.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 311.16 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 338.22 514.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 366.96 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.70 514.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 412.21 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.95 514.10 Td (any ) Tj ET Q q 0 0 0 rg BT 449.69 514.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 496.20 514.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 532.70 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 544.78 514.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td (concentrations. ) Tj ET Q q 0 0 0 rg BT 113.19 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.06 502.10 Td (In ) Tj ET Q q 0 0 0 rg BT 127.27 502.10 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 170.13 502.10 Td (this ) Tj ET Q q 0 0 0 rg BT 187.45 502.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 209.48 502.10 Td (we ) Tj ET Q q 0 0 0 rg BT 224.01 502.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 250.78 502.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 295.86 502.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 325.94 502.10 Td (within ) Tj ET Q q 0 0 0 rg BT 354.37 502.10 Td (our ) Tj ET Q q 0 0 0 rg BT 370.58 502.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 413.98 502.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 469.63 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.29 502.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 536.47 502.10 Td (reflect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.45 490.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 101.17 490.10 Td (warranted ) Tj ET Q q 0 0 0 rg BT 143.65 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 156.16 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.89 490.10 Td (validation ) Tj ET Q q 0 0 0 rg BT 213.39 490.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 248.39 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 250.90 490.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 305.61 490.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 340.88 490.10 Td (it ) Tj ET Q q 0 0 0 rg BT 348.95 490.10 Td (has ) Tj ET Q q 0 0 0 rg BT 364.79 490.10 Td (established ) Tj ET Q q 0 0 0 rg BT 411.73 490.10 Td (an ) Tj ET Q q 0 0 0 rg BT 423.68 490.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 466.72 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 480.89 490.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 518.39 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 538.11 490.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.33 478.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 108.36 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 133.63 478.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 159.75 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 454.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 454.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.28 454.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.96 454.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 159.17 454.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.06 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 190.77 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 201.25 454.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 241.74 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 256.11 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 281.58 454.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 308.17 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 322.54 454.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 359.67 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 383.49 454.10 Td (related ) Tj ET Q q 0 0 0 rg BT 413.40 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 423.88 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.80 454.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 500.38 454.10 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.83 442.10 Td (mer) Tj ET Q q 0 0 0 rg BT 87.20 442.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 102.86 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 126.86 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 138.08 442.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 181.51 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 196.06 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 206.73 442.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 254.59 442.10 Td (with ) Tj ET Q q 0 0 0 rg BT 274.62 442.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 296.76 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 302.17 442.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 322.28 442.10 Td (310-20 ) Tj ET Q q 0 0 0 rg BT 353.50 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.05 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 383.16 442.10 Td (year ) Tj ET Q q 0 0 0 rg BT 403.26 442.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.03 442.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 489.01 442.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.01 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 511.90 442.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.22 442.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td ($14.6 ) Tj ET Q q 0 0 0 rg BT 74.93 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.83 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.76 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 121.36 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.51 430.10 Td (year ) Tj ET Q q 0 0 0 rg BT 156.65 430.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.46 430.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 242.48 430.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.48 430.10 Td (. ) Tj ET Q q 0 0 0 rg BT 267.91 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.85 430.10 Td (No ) Tj ET Q q 0 0 0 rg BT 286.00 430.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 328.93 430.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 373.53 430.10 Td (were ) Tj ET Q q 0 0 0 rg BT 395.90 430.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 433.81 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 446.74 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.89 430.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 500.36 430.10 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.44 418.10 Td (mer) Tj ET Q q 0 0 0 rg BT 86.80 418.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 102.07 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 125.68 418.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 168.71 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 182.87 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.15 418.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 240.61 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 260.34 418.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 282.11 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 287.52 418.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 307.24 418.10 Td (310-30. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.52 394.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 143.78 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 157.91 394.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 183.15 394.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 209.52 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 223.65 394.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 285.00 394.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 349.11 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 372.69 394.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 394.61 394.10 Td (mer) Tj ET Q q 0 0 0 rg BT 409.97 394.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 425.22 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 448.80 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 457.95 394.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 500.95 394.10 Td (using ) Tj ET Q q 0 0 0 rg BT 525.09 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 532.01 394.10 Td (process ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 80.06 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 90.63 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.64 382.10 Td (one ) Tj ET Q q 0 0 0 rg BT 122.87 382.10 Td (used ) Tj ET Q q 0 0 0 rg BT 143.99 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 158.44 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.45 382.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 202.33 382.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 242.62 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.79 382.10 Td (A) Tj ET Q q 0 0 0 rg BT 251.46 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.25 382.10 Td (general ) Tj ET Q q 0 0 0 rg BT 286.47 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 306.47 382.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 324.83 382.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 356.48 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 365.94 382.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 409.26 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 423.71 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.72 382.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 500.38 382.10 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 70.91 370.10 Td (mer) Tj ET Q q 0 0 0 rg BT 86.28 370.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 101.02 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.11 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.08 370.10 Td (have ) Tj ET Q q 0 0 0 rg BT 161.93 370.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 197.77 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.19 370.10 Td (not ) Tj ET Q q 0 0 0 rg BT 228.94 370.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 264.78 370.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 307.29 370.10 Td (using ) Tj ET Q q 0 0 0 rg BT 330.93 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.13 370.10 Td (same ) Tj ET Q q 0 0 0 rg BT 367.65 370.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 386.84 370.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 404.38 370.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 435.22 370.10 Td (model ) Tj ET Q q 0 0 0 rg BT 462.19 370.10 Td (used ) Tj ET Q q 0 0 0 rg BT 482.49 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 496.13 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.32 370.10 Td (legacy ) Tj ET Q q 0 0 0 rg BT 538.39 370.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 564.50 370.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.19 358.10 Td (general ) Tj ET Q q 0 0 0 rg BT 98.76 358.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 118.13 358.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 135.83 358.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 166.85 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 175.66 358.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 218.34 358.10 Td (for ) Tj ET Q q 0 0 0 rg BT 232.14 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.50 358.10 Td (four ) Tj ET Q q 0 0 0 rg BT 265.31 358.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 307.99 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.46 358.10 Td (commercial-related ) Tj ET Q q 0 0 0 rg BT 398.34 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 421.59 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 431.52 358.10 Td (our ) Tj ET Q q 0 0 0 rg BT 447.00 358.10 Td (portfolio: ) Tj ET Q q 0 0 0 rg BT 486.91 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.06 358.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 538.40 358.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 98.97 346.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 122.34 346.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 178.47 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 190.74 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.22 346.10 Td (assignment ) Tj ET Q q 0 0 0 rg BT 252.49 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.09 346.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 285.34 346.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 325.94 346.10 Td (\(lease ) Tj ET Q q 0 0 0 rg BT 351.52 346.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 380.73 346.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 430.20 346.10 Td (real ) Tj ET Q q 0 0 0 rg BT 447.45 346.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 472.48 346.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 495.86 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.57 346.10 Td (construction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (real ) Tj ET Q q 0 0 0 rg BT 66.95 334.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.18 334.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 118.26 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 120.55 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 138.56 334.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 184.91 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.71 334.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 219.28 334.10 Td (defaulting ) Tj ET Q q 0 0 0 rg BT 262.29 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.42 334.10 Td (each ) Tj ET Q q 0 0 0 rg BT 297.20 334.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 314.67 334.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 340.46 334.10 Td (\(referred ) Tj ET Q q 0 0 0 rg BT 377.90 334.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.14 334.10 Td (as ) Tj ET Q q 0 0 0 rg BT 398.94 334.10 Td (default ) Tj ET Q q 0 0 0 rg BT 429.17 334.10 Td (factors\) ) Tj ET Q q 0 0 0 rg BT 462.17 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 471.31 334.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 512.10 334.10 Td (based ) Tj ET Q q 0 0 0 rg BT 537.34 334.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 334.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 322.10 Td (frequency ) Tj ET Q q 0 0 0 rg BT 91.03 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 110.36 322.10 Td (which ) Tj ET Q q 0 0 0 rg BT 136.35 322.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 159.02 322.10 Td (migrate ) Tj ET Q q 0 0 0 rg BT 191.11 322.10 Td (from ) Tj ET Q q 0 0 0 rg BT 212.11 322.10 Td (one ) Tj ET Q q 0 0 0 rg BT 228.10 322.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 244.65 322.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 269.53 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 278.87 322.10 Td (another ) Tj ET Q q 0 0 0 rg BT 310.40 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.40 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 335.73 322.10 Td (default ) Tj ET Q q 0 0 0 rg BT 365.05 322.10 Td (status ) Tj ET Q q 0 0 0 rg BT 389.38 322.10 Td (over ) Tj ET Q q 0 0 0 rg BT 408.70 322.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 430.53 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 431.97 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 449.07 322.10 Td (default ) Tj ET Q q 0 0 0 rg BT 478.39 322.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 507.15 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 520.91 322.10 Td (multiplied ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.94 310.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 104.93 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 124.59 310.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 161.45 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 171.67 310.10 Td (each ) Tj ET Q q 0 0 0 rg BT 192.42 310.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 209.86 310.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 235.62 310.10 Td (category ) Tj ET Q q 0 0 0 rg BT 272.49 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.36 310.10 Td (again ) Tj ET Q q 0 0 0 rg BT 313.46 310.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 357.00 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 369.44 310.10 Td (an ) Tj ET Q q 0 0 0 rg BT 381.32 310.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 420.97 310.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 438.97 310.10 Td (given ) Tj ET Q q 0 0 0 rg BT 463.63 310.10 Td (default ) Tj ET Q q 0 0 0 rg BT 493.83 310.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 529.59 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 543.69 310.10 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 68.92 298.10 Td (type ) Tj ET Q q 0 0 0 rg BT 88.34 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.32 298.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 140.51 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.93 298.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 202.66 298.10 Td (allowance. ) Tj ET Q q 0 0 0 rg BT 247.90 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 249.94 298.10 Td (The ) Tj ET Q q 0 0 0 rg BT 267.69 298.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 289.34 298.10 Td (mer) Tj ET Q q 0 0 0 rg BT 304.70 298.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 319.67 298.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 342.99 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 357.40 298.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 374.60 298.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 396.79 298.10 Td (using ) Tj ET Q q 0 0 0 rg BT 420.66 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.08 298.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 481.87 298.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 507.40 298.10 Td (methodology) Tj ET Q q 0 0 0 rg BT 559.52 298.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.52 298.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.86 286.10 Td (general ) Tj ET Q q 0 0 0 rg BT 98.10 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 117.14 286.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 134.51 286.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 165.20 286.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 197.01 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 205.50 286.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 240.64 286.10 Td (upward ) Tj ET Q q 0 0 0 rg BT 272.44 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.04 286.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 309.39 286.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 356.18 286.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 396.32 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.35 286.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 462.69 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.83 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.87 286.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 523.11 286.10 Td (portfolios ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.44 274.10 Td (to ) Tj ET Q q 0 0 0 rg BT 76.72 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.55 274.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 123.38 274.10 Td (history ) Tj ET Q q 0 0 0 rg BT 153.66 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 173.93 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.65 274.10 Td (borrowers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 250.10 Td (For ) Tj ET Q q 0 0 0 rg BT 101.35 250.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 162.17 250.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 225.77 250.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 247.16 250.10 Td (mer) Tj ET Q q 0 0 0 rg BT 262.53 250.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 277.25 250.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 300.32 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 317.27 250.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 353.09 250.10 Td (during ) Tj ET Q q 0 0 0 rg BT 381.16 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.33 250.10 Td (period ) Tj ET Q q 0 0 0 rg BT 422.84 250.10 Td (\(quarter ) Tj ET Q q 0 0 0 rg BT 456.44 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 466.73 250.10 Td (year ) Tj ET Q q 0 0 0 rg BT 485.89 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.63 250.10 Td (date\), ) Tj ET Q q 0 0 0 rg BT 520.07 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 534.24 250.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 79.89 238.10 Td (were ) Tj ET Q q 0 0 0 rg BT 102.51 238.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 146.81 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 159.99 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.40 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 195.80 238.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 229.52 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.15 238.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 265.90 238.10 Td (given ) Tj ET Q q 0 0 0 rg BT 291.30 238.10 Td (default ) Tj ET Q q 0 0 0 rg BT 322.25 238.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 358.76 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 369.73 238.10 Td (calculate ) Tj ET Q q 0 0 0 rg BT 408.44 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.85 238.10 Td (required ) Tj ET Q q 0 0 0 rg BT 460.35 238.10 Td (reserves. ) Tj ET Q q 0 0 0 rg BT 498.79 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 501.75 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 520.49 238.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.67 238.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (required ) Tj ET Q q 0 0 0 rg BT 84.65 226.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 119.24 226.10 Td (was ) Tj ET Q q 0 0 0 rg BT 136.62 226.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 182.31 226.10 Td (as ) Tj ET Q q 0 0 0 rg BT 192.47 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 198.74 226.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 238.35 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 251.84 226.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 276.44 226.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 302.16 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 311.77 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.82 226.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 365.97 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.13 226.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 422.12 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.95 226.10 Td (For ) Tj ET Q q 0 0 0 rg BT 439.67 226.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 500.37 226.10 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.13 214.10 Td (mer) Tj ET Q q 0 0 0 rg BT 86.50 214.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 101.46 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 124.76 214.10 Td (that ) Tj ET Q q 0 0 0 rg BT 141.95 214.10 Td (were ) Tj ET Q q 0 0 0 rg BT 163.57 214.10 Td (not ) Tj ET Q q 0 0 0 rg BT 178.54 214.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 214.60 214.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 261.23 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.20 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.61 214.10 Td (mer) Tj ET Q q 0 0 0 rg BT 300.97 214.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 315.94 214.10 Td (consummation, ) Tj ET Q q 0 0 0 rg BT 379.51 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 393.92 214.10 Td (default ) Tj ET Q q 0 0 0 rg BT 423.88 214.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 453.27 214.10 Td (were ) Tj ET Q q 0 0 0 rg BT 474.90 214.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 518.20 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 530.39 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 214.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 83.18 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.77 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.14 202.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 156.50 202.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 175.21 202.10 Td (given ) Tj ET Q q 0 0 0 rg BT 200.57 202.10 Td (default ) Tj ET Q q 0 0 0 rg BT 231.49 202.10 Td (estimate. ) Tj ET Q q 0 0 0 rg BT 270.46 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 273.38 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 292.08 202.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 330.22 202.10 Td (general ) Tj ET Q q 0 0 0 rg BT 362.79 202.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 383.16 202.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 401.87 202.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 433.89 202.10 Td (was ) Tj ET Q q 0 0 0 rg BT 452.59 202.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 495.16 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 506.09 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.46 202.10 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 97.33 190.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 145.15 190.10 Td (discounts ) Tj ET Q q 0 0 0 rg BT 186.88 190.10 Td (related ) Tj ET Q q 0 0 0 rg BT 218.03 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.76 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 256.47 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 270.42 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.58 190.10 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 349.40 190.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 414.98 190.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 438.37 190.10 Td (mer) Tj ET Q q 0 0 0 rg BT 453.74 190.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 470.45 190.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 498.01 190.10 Td (with ) Tj ET Q q 0 0 0 rg BT 519.74 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 535.90 190.10 Td (excess ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 95.86 178.10 Td (as ) Tj ET Q q 0 0 0 rg BT 106.69 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 113.63 178.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 153.91 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.07 178.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 193.33 178.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 219.72 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.00 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.72 178.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 285.54 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.37 178.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 343.03 178.10 Td ( ) Tj ET Q endstream endobj 111 0 obj <> endobj 112 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.12 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 146.07 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 168.58 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 204.42 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 216.93 742.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 252.21 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.61 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.90 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 322.50 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 337.23 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 357.52 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.03 742.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 398.08 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 425.05 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 439.78 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.06 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 479.23 742.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 520.62 742.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 554.24 742.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 683.60 210.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 683.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 683.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 683.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 683.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 683.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 683.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 683.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 683.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 683.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 683.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 644.60 210.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 644.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 644.60 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 644.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 644.60 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 644.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 644.60 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 644.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 644.60 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 644.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 644.60 56.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 605.60 210.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 605.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 605.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 605.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 605.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 605.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 577.60 210.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 577.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 577.60 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 577.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 577.60 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 577.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 577.60 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 577.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 577.60 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 577.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 577.60 56.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 539.60 210.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 539.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 539.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 539.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 539.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 539.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 539.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 539.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 539.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 539.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 539.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 511.60 210.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 511.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 511.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 511.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 511.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 511.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 511.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 511.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 511.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 500.00 511.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.00 511.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 483.60 210.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.00 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.00 483.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 320.00 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.00 483.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.00 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 483.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 483.60 56.00 -14.00 re f /GS0 gs 0.8 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 291.6 m 440 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 291.6 m 500 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 291.6 m 560 291.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 263.6 m 320 263.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 250.60000000000002 m 320 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 248.60000000000002 m 320 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 263.6 m 380 263.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 250.60000000000002 m 380 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 248.60000000000002 m 380 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 263.6 m 440 263.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 250.60000000000002 m 440 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 248.60000000000002 m 440 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 263.6 m 500 263.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 250.60000000000002 m 500 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 248.60000000000002 m 500 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 263.6 m 560 263.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 250.60000000000002 m 560 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 248.60000000000002 m 560 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 248.60000000000002 m 320 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264 250.60000000000002 m 320 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 248.60000000000002 m 380 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 324 250.60000000000002 m 380 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 248.60000000000002 m 440 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384 250.60000000000002 m 440 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 248.60000000000002 m 500 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 250.60000000000002 m 500 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 248.60000000000002 m 560 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504 250.60000000000002 m 560 250.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 699.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 361.65 699.00 Td (YearEndedDecember31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.50 687.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.50 687.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 342.50 687.00 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 402.50 687.00 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.50 687.00 Td (2013) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.50 687.00 Td (2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 674.06 Td (Balance at beginning of year) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 674.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.75 674.06 Td (131,508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 674.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 674.06 Td (114,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 674.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 674.06 Td (113,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 674.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 674.06 Td (128,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 674.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.75 674.06 Td (135,975) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 658.06 Td (Allowance for unfunded credit commitments acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 649.06 Td (through business combination) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 649.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 649.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 649.06 Td (1,261) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 649.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 649.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 633.06 Td (Utilization of allowance for unfunded credit) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 624.06 Td (commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 303.00 624.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 624.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.50 624.06 Td (\(637) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 624.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 624.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.00 624.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 610.06 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 610.06 Td (19,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 610.06 Td (21,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 610.06 Td (12,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 610.06 Td (\(5,804) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 610.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 610.06 Td (\(8,900) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 610.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 596.06 Td (Charge-offs:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 596.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 582.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 582.06 Td (2,126) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 582.06 Td (2,993) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 582.06 Td (1,339) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 582.06 Td (3,706) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 582.06 Td (2,408) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 567.06 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 558.06 Td (payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 558.06 Td (6,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 558.06 Td (2,765) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 558.06 Td (925) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.00 558.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 558.06 Td (1,721) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 544.06 Td (Commercial real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 544.06 Td (2,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 544.06 Td (3,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 544.06 Td (11,438) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 544.06 Td (7,517) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.25 544.06 Td (11,377) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 530.06 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 530.06 Td (1,356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 530.06 Td (1,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 530.06 Td (1,718) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 530.06 Td (2,796) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 530.06 Td (2,944) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 516.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 516.06 Td (593) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 363.00 516.06 Td (34) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.00 516.06 Td (79) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 516.06 Td (980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 516.06 Td (4,007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 502.06 Td (Indirect vehicle) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 502.06 Td (3,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 502.06 Td (2,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 502.06 Td (3,735) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 502.06 Td (2,911) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 502.06 Td (2,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 488.06 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 488.06 Td (1,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 488.06 Td (1,485) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 488.06 Td (3,383) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 488.06 Td (3,692) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 488.06 Td (4,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 474.06 Td (Other consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 474.06 Td (1,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 474.06 Td (1,941) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 474.06 Td (2,128) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 474.06 Td (2,073) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 474.06 Td (1,349) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 460.06 Td (Total charge-offs) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 460.06 Td (20,611) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 460.06 Td (17,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 460.06 Td (24,745) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 460.06 Td (23,675) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.25 460.06 Td (30,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 446.06 Td (Recoveries:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.50 446.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.50 446.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 446.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.50 446.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 556.50 446.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 432.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 432.06 Td (2,434) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 432.06 Td (1,749) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 432.06 Td (3,757) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 432.06 Td (3,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 432.06 Td (3,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 417.06 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 408.06 Td (payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 408.06 Td (550) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 408.06 Td (1,112) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 408.06 Td (939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 408.06 Td (1,131) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 408.06 Td (6,720) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 394.06 Td (Commercial real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 394.06 Td (3,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 394.06 Td (6,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 394.06 Td (4,020) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 394.06 Td (6,025) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.25 394.06 Td (16,987) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 380.06 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 380.06 Td (1,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 380.06 Td (515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 380.06 Td (1,190) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 380.06 Td (479) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 380.06 Td (501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 366.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 366.06 Td (142) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 366.06 Td (272) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 366.06 Td (252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 366.06 Td (1,616) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 366.06 Td (2,019) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 352.06 Td (Indirect vehicle) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 352.06 Td (1,837) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 352.06 Td (1,853) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 411.75 352.06 Td (1,736) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 352.06 Td (1,411) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 531.75 352.06 Td (1,096) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 338.06 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 338.06 Td (756) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 338.06 Td (579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 338.06 Td (482) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 338.06 Td (594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 338.06 Td (671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 70.50 324.06 Td (Other consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.50 324.06 Td (724) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 358.50 324.06 Td (473) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.50 324.06 Td (288) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 478.50 324.06 Td (250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.50 324.06 Td (351) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 58.50 310.06 Td (Total recoveries) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 287.25 310.06 Td (11,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 347.25 310.06 Td (13,276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 310.06 Td (12,664) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 467.25 310.06 Td (14,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 527.25 310.06 Td (31,820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 296.06 Td (Net charge-offs \(recoveries\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 296.06 Td (9,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.75 296.06 Td (3,935) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.25 296.06 Td (12,081) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 471.75 296.06 Td (9,013) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 296.06 Td (\(1,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 296.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 282.06 Td (Allowance for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.75 282.06 Td (141,842) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 282.06 Td (131,508) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 282.06 Td (114,057) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 282.06 Td (113,462) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.75 282.06 Td (128,279) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 268.06 Td (Allowance for unfunded credit commitments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.75 268.06 Td (\(2,476) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.00 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 348.75 268.06 Td (\(3,368) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.75 268.06 Td (\(4,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 268.06 Td (\(1,716) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 268.06 Td (\(4,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 268.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 254.06 Td (Allowance for loan and lease losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 282.75 254.06 Td (139,366) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 342.75 254.06 Td (128,140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.75 254.06 Td (110,026) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.75 254.06 Td (111,746) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 254.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.75 254.06 Td (124,204) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 236.06 Td (Total loans at December31,) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 266.50 236.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 271.50 236.06 Td (12,768,803) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 326.50 236.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 336.00 236.06 Td (9,793,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.50 236.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 236.06 Td (9,083,217) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 446.50 236.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 236.06 Td (5,712,551) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 506.50 236.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 516.00 236.06 Td (5,766,930) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 222.06 Td (Ratio of allowance to total loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 222.06 Td (1.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.00 222.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 222.06 Td (1.31) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.00 222.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 222.06 Td (1.21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 222.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.25 222.06 Td (1.96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 222.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 536.25 222.06 Td (2.15) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 222.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.50 208.06 Td (Ratio of net charge-offs \(recoveries\) to average loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 208.06 Td (0.09) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.25 208.06 Td (0.04) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 208.06 Td (0.18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 476.25 208.06 Td (0.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 208.06 Td (\(0.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 552.00 208.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 180.10 Td (Net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.17 180.10 Td (char) Tj ET Q q 0 0 0 rg BT 119.20 180.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 140.12 180.10 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.34 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.57 180.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.13 180.10 Td ($9.2 ) Tj ET Q q 0 0 0 rg BT 179.87 180.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 208.76 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.99 180.10 Td (were ) Tj ET Q q 0 0 0 rg BT 232.65 180.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 269.86 180.10 Td (in ) Tj ET Q q 0 0 0 rg BT 279.87 180.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.32 180.10 Td (year ) Tj ET Q q 0 0 0 rg BT 313.76 180.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.87 180.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 398.19 180.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.19 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 420.42 180.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 462.08 180.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.09 180.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 486.54 180.10 Td (char) Tj ET Q q 0 0 0 rg BT 503.57 180.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 524.48 180.10 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.71 180.10 Td ( ) Tj ET Q q 0 0 0 rg BT 533.94 180.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.50 180.10 Td ($3.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 168.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 168.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.57 168.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.52 168.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.91 168.10 Td (year ) Tj ET Q q 0 0 0 rg BT 128.29 168.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.35 168.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 214.61 168.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.61 168.10 Td (. ) Tj ET Q q 0 0 0 rg BT 240.28 168.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.76 168.10 Td (A) Tj ET Q q 0 0 0 rg BT 249.43 168.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.60 168.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 293.55 168.10 Td (for ) Tj ET Q q 0 0 0 rg BT 308.39 168.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 334.33 168.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 361.40 168.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.90 168.10 Td ($19.6 ) Tj ET Q q 0 0 0 rg BT 398.58 168.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.47 168.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.64 168.10 Td (was ) Tj ET Q q 0 0 0 rg BT 449.37 168.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 487.52 168.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.36 168.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.75 168.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 168.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 156.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.99 156.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.99 156.10 Td ( ) Tj ET Q q 0 0 0 rg BT 130.39 156.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 172.22 156.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 182.40 156.10 Td ($21.4 ) Tj ET Q q 0 0 0 rg BT 207.31 156.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.20 156.10 Td ( ) Tj ET Q q 0 0 0 rg BT 238.60 156.10 Td (for ) Tj ET Q q 0 0 0 rg BT 252.66 156.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.29 156.10 Td (year ) Tj ET Q q 0 0 0 rg BT 286.90 156.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.18 156.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 371.66 156.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.66 156.10 Td (. ) Tj ET Q q 0 0 0 rg BT 396.57 156.10 Td ( ) Tj ET Q q 0 0 0 rg BT 398.44 156.10 Td (A) Tj ET Q q 0 0 0 rg BT 405.11 156.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.52 156.10 Td ($4.6 ) Tj ET Q q 0 0 0 rg BT 427.42 156.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.31 156.10 Td ( ) Tj ET Q q 0 0 0 rg BT 458.71 156.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 498.90 156.10 Td (for ) Tj ET Q q 0 0 0 rg BT 512.96 156.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 538.13 156.10 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 144.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.29 144.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 84.86 144.10 Td (mer) Tj ET Q q 0 0 0 rg BT 100.23 144.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 115.12 144.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 151.68 144.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 174.92 144.10 Td (was ) Tj ET Q q 0 0 0 rg BT 192.60 144.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 229.71 144.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.50 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.84 144.10 Td (year ) Tj ET Q q 0 0 0 rg BT 277.18 144.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.19 144.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 361.40 144.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.40 144.10 Td ( ) Tj ET Q q 0 0 0 rg BT 383.53 144.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 425.09 144.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.00 144.10 Td ($14.6 ) Tj ET Q q 0 0 0 rg BT 459.63 144.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.52 144.10 Td ( ) Tj ET Q q 0 0 0 rg BT 490.65 144.10 Td (for ) Tj ET Q q 0 0 0 rg BT 504.44 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.79 144.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 144.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.33 132.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.33 132.10 Td (. ) Tj ET Q q 0 0 0 rg BT 133.58 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.14 132.10 Td (These ) Tj ET Q q 0 0 0 rg BT 162.76 132.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 188.28 132.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 211.03 132.10 Td (were ) Tj ET Q q 0 0 0 rg BT 233.21 132.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.40 132.10 Td (result ) Tj ET Q q 0 0 0 rg BT 265.36 132.10 Td (of ) Tj ET Q q 0 0 0 rg BT 276.44 132.10 Td (required ) Tj ET Q q 0 0 0 rg BT 312.51 132.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 348.02 132.10 Td (on ) Tj ET Q q 0 0 0 rg BT 360.77 132.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 382.96 132.10 Td (mer) Tj ET Q q 0 0 0 rg BT 398.33 132.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 413.84 132.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 437.70 132.10 Td (that ) Tj ET Q q 0 0 0 rg BT 455.45 132.10 Td (renewed ) Tj ET Q q 0 0 0 rg BT 492.07 132.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 539.26 132.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 132.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 120.10 Td (mer) Tj ET Q q 0 0 0 rg BT 64.87 120.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 80.13 120.10 Td (consummation.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 108.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 96.10 Td (Net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.89 96.10 Td (char) Tj ET Q q 0 0 0 rg BT 118.92 96.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 139.84 96.10 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.06 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.02 96.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.30 96.10 Td ($3.9 ) Tj ET Q q 0 0 0 rg BT 178.76 96.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.65 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.60 96.10 Td (were ) Tj ET Q q 0 0 0 rg BT 230.99 96.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 267.92 96.10 Td (in ) Tj ET Q q 0 0 0 rg BT 277.65 96.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.83 96.10 Td (year ) Tj ET Q q 0 0 0 rg BT 310.99 96.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.82 96.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 394.86 96.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.86 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.82 96.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 458.20 96.10 Td (to ) Tj ET Q q 0 0 0 rg BT 467.93 96.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.10 96.10 Td (char) Tj ET Q q 0 0 0 rg BT 499.13 96.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 520.05 96.10 Td (fs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.27 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 529.22 96.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 96.10 Td ($12.1 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 84.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.57 84.10 Td (in ) Tj ET Q q 0 0 0 rg BT 92.52 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 107.91 84.10 Td (year ) Tj ET Q q 0 0 0 rg BT 128.29 84.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.35 84.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 214.61 84.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.61 84.10 Td (. ) Tj ET Q q 0 0 0 rg BT 240.28 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.76 84.10 Td (A) Tj ET Q q 0 0 0 rg BT 249.43 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 252.60 84.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 293.55 84.10 Td (for ) Tj ET Q q 0 0 0 rg BT 308.39 84.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 334.33 84.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 361.40 84.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.90 84.10 Td ($21.4 ) Tj ET Q q 0 0 0 rg BT 398.58 84.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.47 84.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.64 84.10 Td (was ) Tj ET Q q 0 0 0 rg BT 449.37 84.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 487.52 84.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.36 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.75 84.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.13 84.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 72.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.31 72.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.31 72.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.03 72.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 173.18 72.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.68 72.10 Td ($12.1 ) Tj ET Q q 0 0 0 rg BT 208.90 72.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.80 72.10 Td ( ) Tj ET Q q 0 0 0 rg BT 240.52 72.10 Td (for ) Tj ET Q q 0 0 0 rg BT 254.90 72.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.84 72.10 Td (year ) Tj ET Q q 0 0 0 rg BT 289.77 72.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.38 72.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 375.18 72.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.18 72.10 Td (. ) Tj ET Q q 0 0 0 rg BT 400.41 72.10 Td ( ) Tj ET Q q 0 0 0 rg BT 402.93 72.10 Td (This ) Tj ET Q q 0 0 0 rg BT 423.43 72.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 458.91 72.10 Td (was ) Tj ET Q q 0 0 0 rg BT 477.19 72.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 517.12 72.10 Td (due ) Tj ET Q q 0 0 0 rg BT 534.29 72.10 Td (to ) Tj ET Q q 0 0 0 rg BT 544.79 72.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.10 Td (growth. ) Tj ET Q q 0 0 0 rg BT 82.83 60.10 Td ( ) Tj ET Q endstream endobj 113 0 obj <> endobj 114 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (56) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.80 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 145.44 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 167.62 742.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 185.37 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 207.56 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.53 742.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 264.71 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.79 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 290.76 742.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 334.04 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 348.46 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 368.42 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.61 742.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 408.35 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 434.99 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 446.08 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.16 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.13 742.10 Td (date ) Tj ET Q q 0 0 0 rg BT 491.53 742.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 532.60 742.10 Td (and ) 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 49.50 730.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 95.20 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.94 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 129.45 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 139.63 730.10 Td (each ) Tj ET Q q 0 0 0 rg BT 160.34 730.10 Td (category ) Tj ET Q q 0 0 0 rg BT 197.17 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 207.35 730.10 Td (total ) Tj ET Q q 0 0 0 rg BT 227.53 730.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 255.86 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 273.81 730.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 307.88 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 318.61 730.10 Td (this ) Tj ET Q q 0 0 0 rg BT 335.46 730.10 Td (allocation ) Tj ET Q q 0 0 0 rg BT 377.29 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gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399 501.6 m 436 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 503.6 m 478 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 440 501.6 m 478 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 515.6 m 519 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 503.6 m 519 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482 501.6 m 519 501.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523 503.6 m 562 503.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523 501.6 m 562 501.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 686.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 327.00 687.68 Td (AtDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 674.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 181.00 675.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 264.00 675.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 347.00 675.68 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 430.00 675.68 Td (2013) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 513.50 675.68 Td (2012) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 654.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 168.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 201.15 663.68 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 200.75 655.68 Td (T) Tj ET Q q 0 0 0 rg BT 205.35 655.68 Td (otal) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 251.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 284.15 663.68 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.75 655.68 Td (T) Tj ET Q q 0 0 0 rg BT 288.35 655.68 Td (otal) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 334.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.15 663.68 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.75 655.68 Td (T) Tj ET Q q 0 0 0 rg BT 371.35 655.68 Td (otal) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 417.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.15 663.68 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 449.75 655.68 Td (T) Tj ET Q q 0 0 0 rg BT 454.35 655.68 Td (otal) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 500.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.65 663.68 Td (%of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 533.25 655.68 Td (T) Tj ET Q q 0 0 0 rg BT 537.85 655.68 Td (otal) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 641.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 153.95 642.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 199.05 642.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.95 642.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.05 642.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.95 642.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 365.05 642.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.95 642.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.05 642.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 485.95 642.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 531.55 642.83 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 629.85 Td (Commercial loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.50 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.80 629.85 Td (44,483) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.80 629.85 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.80 629.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.50 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.80 629.85 Td (38,751) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.80 629.85 Td (37) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.80 629.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.50 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.80 629.85 Td (29,079) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.80 629.85 Td (36) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.80 629.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.50 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.80 629.85 Td (22,977) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.80 629.85 Td (22) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.80 629.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.50 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.80 629.85 Td (22,498) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 629.85 Td (21) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 629.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 616.85 Td (Commercial loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 608.85 Td (collateralized by) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 600.85 Td (assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 592.85 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.80 592.85 Td (12,238) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.80 592.85 Td (16) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.80 592.85 Td (10,434) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.80 592.85 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.80 592.85 Td (9,962) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.80 592.85 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.80 592.85 Td (9,159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.80 592.85 Td (26) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.80 592.85 Td (7,755) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 592.85 Td (23) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 579.85 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.80 579.85 Td (51,165) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.80 579.85 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.80 579.85 Td (44,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 296.80 579.85 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.80 579.85 Td (41,044) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.80 579.85 Td (28) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.80 579.85 Td (49,942) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.80 579.85 Td (29) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.80 579.85 Td (59,048) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 579.85 Td (30) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 566.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.80 566.85 Td (5,971) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.80 566.85 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.80 566.85 Td (5,734) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.80 566.85 Td (6) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.80 566.85 Td (6,646) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.80 566.85 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.80 566.85 Td (8,872) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.80 566.85 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.80 566.85 Td (6,941) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 566.85 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 553.85 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 161.80 553.85 Td (14,712) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.80 553.85 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.80 553.85 Td (15,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.80 553.85 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.80 553.85 Td (8,909) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.80 553.85 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.80 553.85 Td (6,794) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.80 553.85 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.80 553.85 Td (11,159) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 553.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 540.85 Td (Consumer related loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 165.80 540.85 Td (9,931) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.80 540.85 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 244.80 540.85 Td (12,068) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.80 540.85 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 327.80 540.85 Td (13,103) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.80 540.85 Td (7) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 410.80 540.85 Td (11,770) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.80 540.85 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.80 540.85 Td (12,287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.80 540.85 Td (11) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 527.85 Td (Purchased credit-impaired ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 519.85 Td (loans ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 71.39 523.48 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 171.80 519.85 Td (866) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 217.80 519.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.80 519.85 Td (2,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.80 519.85 Td (2) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.80 519.85 Td (1,283) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.80 519.85 Td (3) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.80 519.85 Td (2,232) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.80 519.85 Td (4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.80 519.85 Td (4,516) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.80 519.85 Td (8) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.50 506.85 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 152.50 506.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 157.80 506.85 Td (139,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.80 506.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 221.80 506.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.50 506.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.80 506.85 Td (128,140) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 292.80 506.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.80 506.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.50 506.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 323.80 506.85 Td (110,026) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.80 506.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.80 506.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.50 506.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 406.80 506.85 Td (111,746) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.80 506.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.80 506.85 Td (%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 484.50 506.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.80 506.85 Td (124,204) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 542.80 506.85 Td (100) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 554.80 506.85 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET q 0 0 0 rg BT 49.50 493.50 Td () Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 67.50 487.52 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 483.90 Td (Consists ) Tj ET Q q 0 0 0 rg BT 114.66 483.90 Td (of ) Tj ET Q q 0 0 0 rg BT 123.36 483.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 157.82 483.90 Td (for ) Tj ET Q q 0 0 0 rg BT 169.18 483.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 184.99 483.90 Td (and ) Tj ET Q q 0 0 0 rg BT 198.58 483.90 Td (lease ) Tj ET Q q 0 0 0 rg BT 216.60 483.90 Td (losses ) Tj ET Q q 0 0 0 rg BT 237.75 483.90 Td (for ) Tj ET Q q 0 0 0 rg BT 249.12 483.90 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 290.91 483.90 Td (commercial ) Tj ET Q q 0 0 0 rg BT 330.71 483.90 Td (real ) Tj ET Q q 0 0 0 rg BT 344.73 483.90 Td (estate ) Tj ET Q q 0 0 0 rg BT 364.98 483.90 Td (and ) Tj ET Q q 0 0 0 rg BT 378.56 483.90 Td (construction ) Tj ET Q q 0 0 0 rg BT 420.15 483.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 439.07 483.90 Td (allocated ) Tj ET Q q 0 0 0 rg BT 469.98 483.90 Td (to ) Tj ET Q q 0 0 0 rg BT 478.24 483.90 Td (purchased ) Tj ET Q q 0 0 0 rg BT 512.70 483.90 Td (credit-impaired ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 85.50 474.30 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 462.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 450.30 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 450.30 Td (Additions ) Tj ET Q q 0 0 0 rg BT 126.80 450.30 Td (to ) Tj ET Q q 0 0 0 rg BT 136.43 450.30 Td (the ) Tj ET Q q 0 0 0 rg BT 150.50 450.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 192.88 450.30 Td (for ) Tj ET Q q 0 0 0 rg BT 206.39 450.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 225.46 450.30 Td (and ) Tj ET Q q 0 0 0 rg BT 241.75 450.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 263.58 450.30 Td (losses, ) Tj ET Q q 0 0 0 rg BT 291.82 450.30 Td (which ) Tj ET Q q 0 0 0 rg BT 318.11 450.30 Td (are ) Tj ET Q q 0 0 0 rg BT 332.17 450.30 Td (char) Tj ET Q q 0 0 0 rg BT 349.20 450.30 Td (ged ) Tj ET Q q 0 0 0 rg BT 365.49 450.30 Td (to ) Tj ET Q q 0 0 0 rg BT 375.11 450.30 Td (earnings ) Tj ET Q q 0 0 0 rg BT 410.84 450.30 Td (through ) Tj ET Q q 0 0 0 rg BT 443.80 450.30 Td (the ) Tj ET Q q 0 0 0 rg BT 457.87 450.30 Td (provision ) Tj ET Q q 0 0 0 rg BT 497.50 450.30 Td (for ) Tj ET Q q 0 0 0 rg BT 511.01 450.30 Td (credit ) Tj ET Q q 0 0 0 rg BT 535.62 450.30 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 438.30 Td (are ) Tj ET Q q 0 0 0 rg BT 63.89 438.30 Td (determined ) Tj ET Q q 0 0 0 rg BT 111.06 438.30 Td (based ) Tj ET Q q 0 0 0 rg BT 136.01 438.30 Td (on ) Tj ET Q q 0 0 0 rg BT 148.20 438.30 Td (a ) Tj ET Q q 0 0 0 rg BT 154.82 438.30 Td (variety ) Tj ET Q q 0 0 0 rg BT 184.77 438.30 Td (of ) Tj ET Q q 0 0 0 rg BT 195.28 438.30 Td (factors, ) Tj ET Q q 0 0 0 rg BT 227.18 438.30 Td (including ) Tj ET Q q 0 0 0 rg BT 267.13 438.30 Td (specific ) Tj ET Q q 0 0 0 rg BT 300.41 438.30 Td (reserves, ) Tj ET Q q 0 0 0 rg BT 337.86 438.30 Td (current ) Tj ET Q q 0 0 0 rg BT 368.36 438.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 387.76 438.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 404.94 438.30 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 436.85 438.30 Td (delinquent ) Tj ET Q q 0 0 0 rg BT 481.24 438.30 Td (loans, ) Tj ET Q q 0 0 0 rg BT 507.04 438.30 Td (historical ) Tj ET Q q 0 0 0 rg BT 546.43 438.30 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 426.30 Td (experience ) Tj ET Q q 0 0 0 rg BT 95.87 426.30 Td (and ) Tj ET Q q 0 0 0 rg BT 113.37 426.30 Td (economic ) Tj ET Q q 0 0 0 rg BT 155.31 426.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 200.04 426.30 Td (in ) Tj ET Q q 0 0 0 rg BT 210.89 426.30 Td (our ) Tj ET Q q 0 0 0 rg BT 227.28 426.30 Td (market ) Tj ET Q q 0 0 0 rg BT 258.11 426.30 Td (area. ) Tj ET Q q 0 0 0 rg BT 280.33 426.30 Td ( ) Tj ET Q q 0 0 0 rg BT 283.39 426.30 Td (In ) Tj ET Q q 0 0 0 rg BT 294.79 426.30 Td (addition, ) Tj ET Q q 0 0 0 rg BT 333.13 426.30 Td (federal ) Tj ET Q q 0 0 0 rg BT 363.95 426.30 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 408.11 426.30 Td (authorities, ) Tj ET Q q 0 0 0 rg BT 455.89 426.30 Td (as ) Tj ET Q q 0 0 0 rg BT 467.28 426.30 Td (part ) Tj ET Q q 0 0 0 rg BT 485.90 426.30 Td (of ) Tj ET Q q 0 0 0 rg BT 497.29 426.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.58 426.30 Td (examination ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 414.30 Td (process, ) Tj ET Q q 0 0 0 rg BT 84.52 414.30 Td (periodically ) Tj ET Q q 0 0 0 rg BT 134.81 414.30 Td (review ) Tj ET Q q 0 0 0 rg BT 164.55 414.30 Td (our ) Tj ET Q q 0 0 0 rg BT 180.41 414.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 223.48 414.30 Td (for ) Tj ET Q q 0 0 0 rg BT 237.67 414.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 257.42 414.30 Td (and ) Tj ET Q q 0 0 0 rg BT 274.39 414.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 296.90 414.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 325.83 414.30 Td ( ) Tj ET Q q 0 0 0 rg BT 328.18 414.30 Td (The ) Tj ET Q q 0 0 0 rg BT 346.26 414.30 Td (regulators ) Tj ET Q q 0 0 0 rg BT 388.77 414.30 Td (may ) Tj ET Q q 0 0 0 rg BT 408.52 414.30 Td (require ) Tj ET Q q 0 0 0 rg BT 439.37 414.30 Td (us ) Tj ET Q q 0 0 0 rg BT 450.79 414.30 Td (to ) Tj ET Q q 0 0 0 rg BT 461.10 414.30 Td (record ) Tj ET Q q 0 0 0 rg BT 489.17 414.30 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 539.48 414.30 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 414.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 402.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 91.58 402.30 Td (level ) Tj ET Q q 0 0 0 rg BT 112.56 402.30 Td (based ) Tj ET Q q 0 0 0 rg BT 136.88 402.30 Td (upon ) Tj ET Q q 0 0 0 rg BT 158.42 402.30 Td (their ) Tj ET Q q 0 0 0 rg BT 178.29 402.30 Td (assessment ) Tj ET Q q 0 0 0 rg BT 224.28 402.30 Td (of ) Tj ET Q q 0 0 0 rg BT 234.16 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 247.92 402.30 Td (information ) Tj ET Q q 0 0 0 rg BT 296.68 402.30 Td (available ) Tj ET Q q 0 0 0 rg BT 334.31 402.30 Td (to ) Tj ET Q q 0 0 0 rg BT 343.64 402.30 Td (them ) Tj ET Q q 0 0 0 rg BT 365.18 402.30 Td (at ) Tj ET Q q 0 0 0 rg BT 373.95 402.30 Td (the ) Tj ET Q q 0 0 0 rg BT 387.71 402.30 Td (time ) Tj ET Q q 0 0 0 rg BT 407.03 402.30 Td (of ) Tj ET Q q 0 0 0 rg BT 416.91 402.30 Td (examination. ) Tj ET Q q 0 0 0 rg BT 470.38 402.30 Td ( ) Tj ET Q q 0 0 0 rg BT 471.59 402.30 Td (Although ) Tj ET Q q 0 0 0 rg BT 510.91 402.30 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 390.30 Td (believes ) Tj ET Q q 0 0 0 rg BT 84.93 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 99.81 390.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 143.00 390.30 Td (for ) Tj ET Q q 0 0 0 rg BT 157.32 390.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 177.20 390.30 Td (and ) Tj ET Q q 0 0 0 rg BT 194.30 390.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 216.95 390.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 243.51 390.30 Td (is ) Tj ET Q q 0 0 0 rg BT 252.84 390.30 Td (suf) Tj ET Q q 0 0 0 rg BT 264.88 390.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 293.08 390.30 Td (to ) Tj ET Q q 0 0 0 rg BT 303.52 390.30 Td (cover ) Tj ET Q q 0 0 0 rg BT 328.39 390.30 Td (probable ) Tj ET Q q 0 0 0 rg BT 366.04 390.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 392.60 390.30 Td (inherent ) Tj ET Q q 0 0 0 rg BT 428.02 390.30 Td (in ) Tj ET Q q 0 0 0 rg BT 438.46 390.30 Td (the ) Tj ET Q q 0 0 0 rg BT 453.34 390.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 473.22 390.30 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 513.38 390.30 Td (there ) Tj ET Q q 0 0 0 rg BT 536.03 390.30 Td (can ) Tj ET Q q 0 0 0 rg BT 552.57 390.30 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 378.30 Td (no ) Tj ET Q q 0 0 0 rg BT 62.00 378.30 Td (assurance ) Tj ET Q q 0 0 0 rg BT 103.37 378.30 Td (that ) Tj ET Q q 0 0 0 rg BT 120.86 378.30 Td (the ) Tj ET Q q 0 0 0 rg BT 135.58 378.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 178.61 378.30 Td (will ) Tj ET Q q 0 0 0 rg BT 196.67 378.30 Td (prove ) Tj ET Q q 0 0 0 rg BT 221.94 378.30 Td (suf) Tj ET Q q 0 0 0 rg BT 233.98 378.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 262.02 378.30 Td (to ) Tj ET Q q 0 0 0 rg BT 272.30 378.30 Td (cover ) Tj ET Q q 0 0 0 rg BT 297.00 378.30 Td (actual ) Tj ET Q q 0 0 0 rg BT 323.38 378.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 343.09 378.30 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 354.30 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 354.30 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 354.30 Td (e ) Tj ET Q q 0 0 0 rg BT 102.13 354.30 Td (utilize ) Tj ET Q q 0 0 0 rg BT 130.68 354.30 Td (an ) Tj ET Q q 0 0 0 rg BT 143.68 354.30 Td (internal ) Tj ET Q q 0 0 0 rg BT 177.78 354.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 200.78 354.30 Td (classification ) Tj ET Q q 0 0 0 rg BT 257.10 354.30 Td (system ) Tj ET Q q 0 0 0 rg BT 288.43 354.30 Td (as ) Tj ET Q q 0 0 0 rg BT 300.32 354.30 Td (a ) Tj ET Q q 0 0 0 rg BT 308.32 354.30 Td (means ) Tj ET Q q 0 0 0 rg BT 337.42 354.30 Td (of ) Tj ET Q q 0 0 0 rg BT 349.31 354.30 Td (reporting ) Tj ET Q q 0 0 0 rg BT 389.53 354.30 Td (problem ) Tj ET Q q 0 0 0 rg BT 426.41 354.30 Td (and ) Tj ET Q q 0 0 0 rg BT 444.41 354.30 Td (potential ) Tj ET Q q 0 0 0 rg BT 482.96 354.30 Td (problem ) Tj ET Q q 0 0 0 rg BT 519.84 354.30 Td (assets. ) Tj ET Q q 0 0 0 rg BT 549.23 354.30 Td ( ) Tj ET Q q 0 0 0 rg BT 552.00 354.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 342.30 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 91.20 342.30 Td (meetings ) Tj ET Q q 0 0 0 rg BT 129.02 342.30 Td (of ) Tj ET Q q 0 0 0 rg BT 139.07 342.30 Td (the ) Tj ET Q q 0 0 0 rg BT 153.01 342.30 Td (board ) Tj ET Q q 0 0 0 rg BT 177.49 342.30 Td (of ) Tj ET Q q 0 0 0 rg BT 187.54 342.30 Td (directors ) Tj ET Q q 0 0 0 rg BT 224.24 342.30 Td (of ) Tj ET Q q 0 0 0 rg BT 234.29 342.30 Td (MB ) Tj ET Q q 0 0 0 rg BT 251.57 342.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 290.50 342.30 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 315.83 342.30 Td (a ) Tj ET Q q 0 0 0 rg BT 321.98 342.30 Td (watch ) Tj ET Q q 0 0 0 rg BT 347.58 342.30 Td (list ) Tj ET Q q 0 0 0 rg BT 361.52 342.30 Td (is ) Tj ET Q q 0 0 0 rg BT 369.91 342.30 Td (presented, ) Tj ET Q q 0 0 0 rg BT 412.44 342.30 Td (showing ) Tj ET Q q 0 0 0 rg BT 448.05 342.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 491.98 342.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 510.92 342.30 Td (relationships ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 330.30 Td (listed ) Tj ET Q q 0 0 0 rg BT 73.58 330.30 Td (as ) Tj ET Q q 0 0 0 rg BT 84.32 330.30 Td (Special ) Tj ET Q q 0 0 0 rg BT 120.61 330.30 Td (Mention, ) Tj ET Q q 0 0 0 rg BT 163.85 330.30 Td (Substandard, ) Tj ET Q q 0 0 0 rg BT 227.08 330.30 Td (and ) Tj ET Q q 0 0 0 rg BT 243.93 330.30 Td (Doubtful. ) Tj ET Q q 0 0 0 rg BT 293.83 330.30 Td ( ) Tj ET Q q 0 0 0 rg BT 295.71 330.30 Td (An ) Tj ET Q q 0 0 0 rg BT 310.34 330.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 332.19 330.30 Td (is ) Tj ET Q q 0 0 0 rg BT 341.28 330.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 381.46 330.30 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 433.31 330.30 Td (if ) Tj ET Q q 0 0 0 rg BT 441.83 330.30 Td (it ) Tj ET Q q 0 0 0 rg BT 449.80 330.30 Td (is ) Tj ET Q q 0 0 0 rg BT 458.88 330.30 Td (inadequately ) Tj ET Q q 0 0 0 rg BT 512.39 330.30 Td (protected ) Tj ET Q q 0 0 0 rg BT 552.00 330.30 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 65.44 318.30 Td (current ) Tj ET Q q 0 0 0 rg BT 97.47 318.30 Td (net ) Tj ET Q q 0 0 0 rg BT 113.41 318.30 Td (worth ) Tj ET Q q 0 0 0 rg BT 140.46 318.30 Td (and ) Tj ET Q q 0 0 0 rg BT 158.62 318.30 Td (paying ) Tj ET Q q 0 0 0 rg BT 189.56 318.30 Td (capacity ) Tj ET Q q 0 0 0 rg BT 226.59 318.30 Td (of ) Tj ET Q q 0 0 0 rg BT 238.64 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 254.58 318.30 Td (obligor ) Tj ET Q q 0 0 0 rg BT 287.19 318.30 Td (or ) Tj ET Q q 0 0 0 rg BT 299.24 318.30 Td (the ) Tj ET Q q 0 0 0 rg BT 315.17 318.30 Td (collateral ) Tj ET Q q 0 0 0 rg BT 356.09 318.30 Td (pledged, ) Tj ET Q q 0 0 0 rg BT 393.97 318.30 Td (if ) Tj ET Q q 0 0 0 rg BT 403.80 318.30 Td (any) Tj ET Q q 0 0 0 rg BT 417.59 318.30 Td (. ) Tj ET Q q 0 0 0 rg BT 423.81 318.30 Td ( ) Tj ET Q q 0 0 0 rg BT 427.53 318.30 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 480.69 318.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 507.74 318.30 Td (include ) Tj ET Q q 0 0 0 rg BT 540.89 318.30 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 306.30 Td (characterized ) Tj ET Q q 0 0 0 rg BT 105.63 306.30 Td (by ) Tj ET Q q 0 0 0 rg BT 118.47 306.30 Td (the ) Tj ET Q q 0 0 0 rg BT 133.54 306.30 Td (distinct ) Tj ET Q q 0 0 0 rg BT 165.82 306.30 Td (possibility ) Tj ET Q q 0 0 0 rg BT 210.34 306.30 Td (that ) Tj ET Q q 0 0 0 rg BT 228.18 306.30 Td (we ) Tj ET Q q 0 0 0 rg BT 242.69 306.30 Td (will ) Tj ET Q q 0 0 0 rg BT 261.09 306.30 Td (sustain ) Tj ET Q q 0 0 0 rg BT 291.71 306.30 Td (some ) Tj ET Q q 0 0 0 rg BT 315.66 306.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 334.07 306.30 Td (if ) Tj ET Q q 0 0 0 rg BT 343.02 306.30 Td (the ) Tj ET Q q 0 0 0 rg BT 358.08 306.30 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 408.67 306.30 Td (are ) Tj ET Q q 0 0 0 rg BT 423.73 306.30 Td (not ) Tj ET Q q 0 0 0 rg BT 439.35 306.30 Td (corrected. ) Tj ET Q q 0 0 0 rg BT 481.89 306.30 Td ( ) Tj ET Q q 0 0 0 rg BT 484.10 306.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 513.06 306.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 553.67 306.30 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 294.30 Td (Doubtful ) Tj ET Q q 0 0 0 rg BT 87.37 294.30 Td (have ) Tj ET Q q 0 0 0 rg BT 108.00 294.30 Td (all ) Tj ET Q q 0 0 0 rg BT 119.76 294.30 Td (the ) Tj ET Q q 0 0 0 rg BT 133.73 294.30 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 182.14 294.30 Td (inherent ) Tj ET Q q 0 0 0 rg BT 216.67 294.30 Td (in ) Tj ET Q q 0 0 0 rg BT 226.20 294.30 Td (those ) Tj ET Q q 0 0 0 rg BT 249.07 294.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 288.60 294.30 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 339.79 294.30 Td (with ) Tj ET Q q 0 0 0 rg BT 359.33 294.30 Td (the ) Tj ET Q q 0 0 0 rg BT 373.31 294.30 Td (added ) Tj ET Q q 0 0 0 rg BT 398.94 294.30 Td (characteristic ) Tj ET Q q 0 0 0 rg BT 454.00 294.30 Td (that ) Tj ET Q q 0 0 0 rg BT 470.75 294.30 Td (the ) Tj ET Q q 0 0 0 rg BT 484.73 294.30 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 533.14 294.30 Td (present ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 282.30 Td (make ) Tj ET Q q 0 0 0 rg BT 74.56 282.30 Td (collection ) Tj ET Q q 0 0 0 rg BT 117.39 282.30 Td (or ) Tj ET Q q 0 0 0 rg BT 129.12 282.30 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 175.85 282.30 Td (in ) Tj ET Q q 0 0 0 rg BT 187.03 282.30 Td (full, ) Tj ET Q q 0 0 0 rg BT 206.81 282.30 Td (on ) Tj ET Q q 0 0 0 rg BT 220.22 282.30 Td (the ) Tj ET Q q 0 0 0 rg BT 235.83 282.30 Td (basis ) Tj ET Q q 0 0 0 rg BT 259.23 282.30 Td (of ) Tj ET Q q 0 0 0 rg BT 270.96 282.30 Td (currently ) Tj ET Q q 0 0 0 rg BT 310.46 282.30 Td (existing ) Tj ET Q q 0 0 0 rg BT 345.53 282.30 Td (facts, ) Tj ET Q q 0 0 0 rg BT 370.30 282.30 Td (conditions ) Tj ET Q q 0 0 0 rg BT 415.37 282.30 Td (and ) Tj ET Q q 0 0 0 rg BT 433.21 282.30 Td (values, ) Tj ET Q q 0 0 0 rg BT 464.66 282.30 Td (highly ) Tj ET Q q 0 0 0 rg BT 493.61 282.30 Td (questionable ) Tj ET Q q 0 0 0 rg BT 547.56 282.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 270.30 Td (improbable. ) Tj ET Q q 0 0 0 rg BT 100.16 270.30 Td ( ) Tj ET Q q 0 0 0 rg BT 102.19 270.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 130.92 270.30 Td (classified ) Tj ET Q q 0 0 0 rg BT 171.30 270.30 Td (as ) Tj ET Q q 0 0 0 rg BT 182.24 270.30 Td (Loss ) Tj ET Q q 0 0 0 rg BT 203.75 270.30 Td (are ) Tj ET Q q 0 0 0 rg BT 218.57 270.30 Td (those ) Tj ET Q q 0 0 0 rg BT 242.29 270.30 Td (considered ) Tj ET Q q 0 0 0 rg BT 288.22 270.30 Td (uncollectible ) Tj ET Q q 0 0 0 rg BT 342.48 270.30 Td (and ) Tj ET Q q 0 0 0 rg BT 359.53 270.30 Td (viewed ) Tj ET Q q 0 0 0 rg BT 391.02 270.30 Td (as ) Tj ET Q q 0 0 0 rg BT 401.96 270.30 Td (valueless ) Tj ET Q q 0 0 0 rg BT 441.23 270.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 467.18 270.30 Td (and ) Tj ET Q q 0 0 0 rg BT 484.23 270.30 Td (have ) Tj ET Q q 0 0 0 rg BT 505.72 270.30 Td (been ) Tj ET Q q 0 0 0 rg BT 527.21 270.30 Td (char) Tj ET Q q 0 0 0 rg BT 544.24 270.30 Td (ged-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 258.30 Td (of) Tj ET Q q 0 0 0 rg BT 57.65 258.30 Td (f. ) Tj ET Q q 0 0 0 rg BT 65.84 258.30 Td ( ) Tj ET Q q 0 0 0 rg BT 67.69 258.30 Td (Assets ) Tj ET Q q 0 0 0 rg BT 96.17 258.30 Td (that ) Tj ET Q q 0 0 0 rg BT 113.52 258.30 Td (do ) Tj ET Q q 0 0 0 rg BT 125.89 258.30 Td (not ) Tj ET Q q 0 0 0 rg BT 141.03 258.30 Td (currently ) Tj ET Q q 0 0 0 rg BT 179.49 258.30 Td (expose ) Tj ET Q q 0 0 0 rg BT 209.62 258.30 Td (us ) Tj ET Q q 0 0 0 rg BT 220.88 258.30 Td (to ) Tj ET Q q 0 0 0 rg BT 231.02 258.30 Td (suf) Tj ET Q q 0 0 0 rg BT 243.06 258.30 Td (ficient ) Tj ET Q q 0 0 0 rg BT 270.97 258.30 Td (risk ) Tj ET Q q 0 0 0 rg BT 288.34 258.30 Td (to ) Tj ET Q q 0 0 0 rg BT 298.48 258.30 Td (warrant ) Tj ET Q q 0 0 0 rg BT 331.38 258.30 Td (classification ) Tj ET Q q 0 0 0 rg BT 386.50 258.30 Td (in ) Tj ET Q q 0 0 0 rg BT 396.65 258.30 Td (one ) Tj ET Q q 0 0 0 rg BT 413.45 258.30 Td (of ) Tj ET Q q 0 0 0 rg BT 424.15 258.30 Td (the ) Tj ET Q q 0 0 0 rg BT 438.73 258.30 Td (aforementioned ) Tj ET Q q 0 0 0 rg BT 503.84 258.30 Td (categories, ) Tj ET Q q 0 0 0 rg BT 549.24 258.30 Td (but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 246.30 Td (possess ) Tj ET Q q 0 0 0 rg BT 82.00 246.30 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 131.16 246.30 Td (that ) Tj ET Q q 0 0 0 rg BT 148.65 246.30 Td (deserve ) Tj ET Q q 0 0 0 rg BT 181.69 246.30 Td (management's ) Tj ET Q q 0 0 0 rg BT 240.97 246.30 Td (close ) Tj ET Q q 0 0 0 rg BT 264.02 246.30 Td (attention ) Tj ET Q q 0 0 0 rg BT 301.51 246.30 Td (are ) Tj ET Q q 0 0 0 rg BT 316.21 246.30 Td (deemed ) Tj ET Q q 0 0 0 rg BT 349.81 246.30 Td (to ) Tj ET Q q 0 0 0 rg BT 360.09 246.30 Td (be ) Tj ET Q q 0 0 0 rg BT 372.02 246.30 Td (Special ) Tj ET Q q 0 0 0 rg BT 403.96 246.30 Td (Mention.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 222.30 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 222.30 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.65 222.30 Td (determination ) Tj ET Q q 0 0 0 rg BT 161.79 222.30 Td (as ) Tj ET Q q 0 0 0 rg BT 172.72 222.30 Td (to ) Tj ET Q q 0 0 0 rg BT 183.10 222.30 Td (the ) Tj ET Q q 0 0 0 rg BT 197.92 222.30 Td (classification ) Tj ET Q q 0 0 0 rg BT 253.28 222.30 Td (of ) Tj ET Q q 0 0 0 rg BT 264.21 222.30 Td (our ) Tj ET Q q 0 0 0 rg BT 280.15 222.30 Td (assets ) Tj ET Q q 0 0 0 rg BT 306.08 222.30 Td (and ) Tj ET Q q 0 0 0 rg BT 323.12 222.30 Td (the ) Tj ET Q q 0 0 0 rg BT 337.94 222.30 Td (amount ) Tj ET Q q 0 0 0 rg BT 370.53 222.30 Td (of ) Tj ET Q q 0 0 0 rg BT 381.46 222.30 Td (our ) Tj ET Q q 0 0 0 rg BT 397.40 222.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 437.21 222.30 Td (allowances ) Tj ET Q q 0 0 0 rg BT 484.23 222.30 Td (is ) Tj ET Q q 0 0 0 rg BT 493.51 222.30 Td (subject ) Tj ET Q q 0 0 0 rg BT 524.43 222.30 Td (to ) Tj ET Q q 0 0 0 rg BT 534.81 222.30 Td (review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 210.30 Td (by ) Tj ET Q q 0 0 0 rg BT 62.21 210.30 Td (the ) Tj ET Q q 0 0 0 rg BT 77.14 210.30 Td (Of) Tj ET Q q 0 0 0 rg BT 87.51 210.30 Td (fice ) Tj ET Q q 0 0 0 rg BT 105.21 210.30 Td (of ) Tj ET Q q 0 0 0 rg BT 116.25 210.30 Td (the ) Tj ET Q q 0 0 0 rg BT 131.18 210.30 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 182.78 210.30 Td (of ) Tj ET Q q 0 0 0 rg BT 193.82 210.30 Td (the ) Tj ET Q q 0 0 0 rg BT 208.75 210.30 Td (Currency) Tj ET Q q 0 0 0 rg BT 245.31 210.30 Td (, ) Tj ET Q q 0 0 0 rg BT 250.52 210.30 Td (MB ) Tj ET Q q 0 0 0 rg BT 268.79 210.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 308.72 210.30 Td (Bank's ) Tj ET Q q 0 0 0 rg BT 338.23 210.30 Td (primary ) Tj ET Q q 0 0 0 rg BT 372.60 210.30 Td (regulator) Tj ET Q q 0 0 0 rg BT 408.29 210.30 Td (, ) Tj ET Q q 0 0 0 rg BT 413.50 210.30 Td (which ) Tj ET Q q 0 0 0 rg BT 440.65 210.30 Td (can ) Tj ET Q q 0 0 0 rg BT 457.24 210.30 Td (order ) Tj ET Q q 0 0 0 rg BT 481.06 210.30 Td (the ) Tj ET Q q 0 0 0 rg BT 495.98 210.30 Td (establishment ) Tj ET Q q 0 0 0 rg BT 553.69 210.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 198.30 Td (additional ) Tj ET Q q 0 0 0 rg BT 91.70 198.30 Td (general ) Tj ET Q q 0 0 0 rg BT 123.34 198.30 Td (or ) Tj ET Q q 0 0 0 rg BT 133.88 198.30 Td (specific ) Tj ET Q q 0 0 0 rg BT 167.18 198.30 Td (loss ) Tj ET Q q 0 0 0 rg BT 184.95 198.30 Td (allowances. ) Tj ET Q q 0 0 0 rg BT 234.09 198.30 Td ( ) Tj ET Q q 0 0 0 rg BT 236.14 198.30 Td (There ) Tj ET Q q 0 0 0 rg BT 261.67 198.30 Td (can ) Tj ET Q q 0 0 0 rg BT 277.75 198.30 Td (be ) Tj ET Q q 0 0 0 rg BT 289.40 198.30 Td (no ) Tj ET Q q 0 0 0 rg BT 301.61 198.30 Td (assurance ) Tj ET Q q 0 0 0 rg BT 342.69 198.30 Td (that ) Tj ET Q q 0 0 0 rg BT 359.90 198.30 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 404.59 198.30 Td (in ) Tj ET Q q 0 0 0 rg BT 414.58 198.30 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 456.78 198.30 Td (our ) Tj ET Q q 0 0 0 rg BT 472.32 198.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 491.75 198.30 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 531.46 198.30 Td (will ) Tj ET Q q 0 0 0 rg BT 549.22 198.30 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 186.30 Td (request ) Tj ET Q q 0 0 0 rg BT 79.93 186.30 Td (us ) Tj ET Q q 0 0 0 rg BT 90.37 186.30 Td (to ) Tj ET Q q 0 0 0 rg BT 99.71 186.30 Td (materially ) Tj ET Q q 0 0 0 rg BT 141.79 186.30 Td (adjust ) Tj ET Q q 0 0 0 rg BT 167.23 186.30 Td (our ) Tj ET Q q 0 0 0 rg BT 182.12 186.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 224.20 186.30 Td (for ) Tj ET Q q 0 0 0 rg BT 237.42 186.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.18 186.30 Td (and ) Tj ET Q q 0 0 0 rg BT 272.18 186.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 293.71 186.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 321.66 186.30 Td ( ) Tj ET Q q 0 0 0 rg BT 323.10 186.30 Td (The ) Tj ET Q q 0 0 0 rg BT 340.20 186.30 Td (Of) Tj ET Q q 0 0 0 rg BT 350.57 186.30 Td (fice ) Tj ET Q q 0 0 0 rg BT 367.11 186.30 Td (of ) Tj ET Q q 0 0 0 rg BT 376.99 186.30 Td (the ) Tj ET Q q 0 0 0 rg BT 390.76 186.30 Td (Comptroller ) Tj ET Q q 0 0 0 rg BT 441.19 186.30 Td (of ) Tj ET Q q 0 0 0 rg BT 451.08 186.30 Td (the ) Tj ET Q q 0 0 0 rg BT 464.85 186.30 Td (Currency) Tj ET Q q 0 0 0 rg BT 501.40 186.30 Td (, ) Tj ET Q q 0 0 0 rg BT 505.46 186.30 Td (in ) Tj ET Q q 0 0 0 rg BT 514.79 186.30 Td (conjunction ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 174.30 Td (with ) Tj ET Q q 0 0 0 rg BT 69.82 174.30 Td (the ) Tj ET Q q 0 0 0 rg BT 84.57 174.30 Td (other ) Tj ET Q q 0 0 0 rg BT 107.66 174.30 Td (federal ) Tj ET Q q 0 0 0 rg BT 137.95 174.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 172.71 174.30 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 212.17 174.30 Td (has ) Tj ET Q q 0 0 0 rg BT 228.04 174.30 Td (adopted ) Tj ET Q q 0 0 0 rg BT 262.23 174.30 Td (an ) Tj ET Q q 0 0 0 rg BT 274.21 174.30 Td (interagency ) Tj ET Q q 0 0 0 rg BT 323.39 174.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 350.93 174.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 391.79 174.30 Td (on ) Tj ET Q q 0 0 0 rg BT 404.32 174.30 Td (the ) Tj ET Q q 0 0 0 rg BT 419.08 174.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 462.15 174.30 Td (for ) Tj ET Q q 0 0 0 rg BT 476.35 174.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 496.11 174.30 Td (and ) Tj ET Q q 0 0 0 rg BT 513.08 174.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 535.61 174.30 Td (losses. ) Tj ET Q q 0 0 0 rg BT 564.50 174.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 162.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.78 162.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 95.51 162.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 136.56 162.30 Td (provides ) Tj ET Q q 0 0 0 rg BT 173.73 162.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 212.56 162.30 Td (for ) Tj ET Q q 0 0 0 rg BT 226.96 162.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 264.67 162.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 311.86 162.30 Td (on ) Tj ET Q q 0 0 0 rg BT 324.59 162.30 Td (both ) Tj ET Q q 0 0 0 rg BT 345.10 162.30 Td (the ) Tj ET Q q 0 0 0 rg BT 360.05 162.30 Td (responsibilities ) Tj ET Q q 0 0 0 rg BT 423.34 162.30 Td (of ) Tj ET Q q 0 0 0 rg BT 434.40 162.30 Td (management ) Tj ET Q q 0 0 0 rg BT 488.22 162.30 Td (for ) Tj ET Q q 0 0 0 rg BT 502.62 162.30 Td (the ) Tj ET Q q 0 0 0 rg BT 517.57 162.30 Td (assessment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 150.30 Td (and ) Tj ET Q q 0 0 0 rg BT 67.20 150.30 Td (establishment ) Tj ET Q q 0 0 0 rg BT 125.46 150.30 Td (of ) Tj ET Q q 0 0 0 rg BT 137.05 150.30 Td (adequate ) Tj ET Q q 0 0 0 rg BT 175.84 150.30 Td (allowances ) Tj ET Q q 0 0 0 rg BT 223.53 150.30 Td (and ) Tj ET Q q 0 0 0 rg BT 241.23 150.30 Td (guidance ) Tj ET Q q 0 0 0 rg BT 280.59 150.30 Td (for ) Tj ET Q q 0 0 0 rg BT 295.51 150.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 330.99 150.30 Td (agency ) Tj ET Q q 0 0 0 rg BT 362.57 150.30 Td (examiners ) Tj ET Q q 0 0 0 rg BT 406.93 150.30 Td (to ) Tj ET Q q 0 0 0 rg BT 417.97 150.30 Td (use ) Tj ET Q q 0 0 0 rg BT 434.56 150.30 Td (in ) Tj ET Q q 0 0 0 rg BT 445.60 150.30 Td (determining ) Tj ET Q q 0 0 0 rg BT 497.19 150.30 Td (the ) Tj ET Q q 0 0 0 rg BT 512.67 150.30 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 553.69 150.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 138.30 Td (general ) Tj ET Q q 0 0 0 rg BT 80.88 138.30 Td (valuation ) Tj ET Q q 0 0 0 rg BT 120.04 138.30 Td (guidelines. ) Tj ET Q q 0 0 0 rg BT 165.60 138.30 Td ( ) Tj ET Q q 0 0 0 rg BT 167.56 138.30 Td (Generally) Tj ET Q q 0 0 0 rg BT 206.33 138.30 Td (, ) Tj ET Q q 0 0 0 rg BT 210.79 138.30 Td (the ) Tj ET Q q 0 0 0 rg BT 224.96 138.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 251.91 138.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 292.18 138.30 Td (recommends ) Tj ET Q q 0 0 0 rg BT 345.23 138.30 Td (that ) Tj ET Q q 0 0 0 rg BT 362.18 138.30 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 375.80 138.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 422.20 138.30 Td (have ) Tj ET Q q 0 0 0 rg BT 443.03 138.30 Td (ef) Tj ET Q q 0 0 0 rg BT 450.62 138.30 Td (fective ) Tj ET Q q 0 0 0 rg BT 479.78 138.30 Td (systems ) Tj ET Q q 0 0 0 rg BT 513.40 138.30 Td (and ) Tj ET Q q 0 0 0 rg BT 529.80 138.30 Td (controls ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 126.30 Td (to ) Tj ET Q q 0 0 0 rg BT 61.26 126.30 Td (identify) Tj ET Q q 0 0 0 rg BT 91.71 126.30 Td (, ) Tj ET Q q 0 0 0 rg BT 98.19 126.30 Td (monitor ) Tj ET Q q 0 0 0 rg BT 133.84 126.30 Td (and ) Tj ET Q q 0 0 0 rg BT 152.26 126.30 Td (address ) Tj ET Q q 0 0 0 rg BT 186.23 126.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 209.64 126.30 Td (quality ) Tj ET Q q 0 0 0 rg BT 241.40 126.30 Td (problems; ) Tj ET Q q 0 0 0 rg BT 285.37 126.30 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 301.01 126.30 Td (management ) Tj ET Q q 0 0 0 rg BT 356.08 126.30 Td (has ) Tj ET Q q 0 0 0 rg BT 373.39 126.30 Td (analyzed ) Tj ET Q q 0 0 0 rg BT 412.90 126.30 Td (all ) Tj ET Q q 0 0 0 rg BT 426.88 126.30 Td (significant ) Tj ET Q q 0 0 0 rg BT 473.07 126.30 Td (factors ) Tj ET Q q 0 0 0 rg BT 504.26 126.30 Td (that ) Tj ET Q q 0 0 0 rg BT 523.23 126.30 Td (af) Tj ET Q q 0 0 0 rg BT 530.82 126.30 Td (fect ) Tj ET Q q 0 0 0 rg BT 549.79 126.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 114.30 Td (collectability ) Tj ET Q q 0 0 0 rg BT 105.55 114.30 Td (of ) Tj ET Q q 0 0 0 rg BT 117.73 114.30 Td (the ) Tj ET Q q 0 0 0 rg BT 133.79 114.30 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 172.63 114.30 Td (in ) Tj ET Q q 0 0 0 rg BT 184.26 114.30 Td (a ) Tj ET Q q 0 0 0 rg BT 192.54 114.30 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 239.14 114.30 Td (manner; ) Tj ET Q q 0 0 0 rg BT 275.75 114.30 Td (and ) Tj ET Q q 0 0 0 rg BT 294.04 114.30 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 309.54 114.30 Td (management ) Tj ET Q q 0 0 0 rg BT 364.48 114.30 Td (has ) Tj ET Q q 0 0 0 rg BT 381.66 114.30 Td (established ) Tj ET Q q 0 0 0 rg BT 429.94 114.30 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 475.97 114.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 520.35 114.30 Td (evaluation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 102.30 Td (processes ) Tj ET Q q 0 0 0 rg BT 90.53 102.30 Td (that ) Tj ET Q q 0 0 0 rg BT 108.24 102.30 Td (meet ) Tj ET Q q 0 0 0 rg BT 130.39 102.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.32 102.30 Td (objectives ) Tj ET Q q 0 0 0 rg BT 188.57 102.30 Td (set ) Tj ET Q q 0 0 0 rg BT 202.39 102.30 Td (forth ) Tj ET Q q 0 0 0 rg BT 224.54 102.30 Td (in ) Tj ET Q q 0 0 0 rg BT 235.03 102.30 Td (the ) Tj ET Q q 0 0 0 rg BT 249.96 102.30 Td (policy ) Tj ET Q q 0 0 0 rg BT 277.67 102.30 Td (statement. ) Tj ET Q q 0 0 0 rg BT 321.20 102.30 Td ( ) Tj ET Q q 0 0 0 rg BT 323.72 102.30 Td (W) Tj ET Q q 0 0 0 rg BT 332.36 102.30 Td (e ) Tj ET Q q 0 0 0 rg BT 339.51 102.30 Td (analyze ) Tj ET Q q 0 0 0 rg BT 372.75 102.30 Td (our ) Tj ET Q q 0 0 0 rg BT 388.79 102.30 Td (process ) Tj ET Q q 0 0 0 rg BT 421.50 102.30 Td (regularly) Tj ET Q q 0 0 0 rg BT 456.94 102.30 Td (, ) Tj ET Q q 0 0 0 rg BT 462.15 102.30 Td (with ) Tj ET Q q 0 0 0 rg BT 482.64 102.30 Td (modifications ) Tj ET Q q 0 0 0 rg BT 540.35 102.30 Td (made ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 90.30 Td (if ) Tj ET Q q 0 0 0 rg BT 58.10 90.30 Td (needed, ) Tj ET Q q 0 0 0 rg BT 91.40 90.30 Td (and ) Tj ET Q q 0 0 0 rg BT 108.33 90.30 Td (report ) Tj ET Q q 0 0 0 rg BT 134.70 90.30 Td (those ) Tj ET Q q 0 0 0 rg BT 158.30 90.30 Td (results ) Tj ET Q q 0 0 0 rg BT 186.90 90.30 Td (four ) Tj ET Q q 0 0 0 rg BT 206.05 90.30 Td (times ) Tj ET Q q 0 0 0 rg BT 230.20 90.30 Td (per ) Tj ET Q q 0 0 0 rg BT 245.46 90.30 Td (year ) Tj ET Q q 0 0 0 rg BT 265.16 90.30 Td (at ) Tj ET Q q 0 0 0 rg BT 274.87 90.30 Td (meetings ) Tj ET Q q 0 0 0 rg BT 313.46 90.30 Td (of ) Tj ET Q q 0 0 0 rg BT 324.28 90.30 Td (our ) Tj ET Q q 0 0 0 rg BT 340.10 90.30 Td (board ) Tj ET Q q 0 0 0 rg BT 365.36 90.30 Td (of ) Tj ET Q q 0 0 0 rg BT 376.18 90.30 Td (directors. ) Tj ET Q q 0 0 0 rg BT 416.16 90.30 Td ( ) Tj ET Q q 0 0 0 rg BT 418.65 90.30 Td (However) Tj ET Q q 0 0 0 rg BT 454.90 90.30 Td (, ) Tj ET Q q 0 0 0 rg BT 459.89 90.30 Td (there ) Tj ET Q q 0 0 0 rg BT 482.36 90.30 Td (can ) Tj ET Q q 0 0 0 rg BT 498.73 90.30 Td (be ) Tj ET Q q 0 0 0 rg BT 510.66 90.30 Td (no ) Tj ET Q q 0 0 0 rg BT 523.15 90.30 Td (assurance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 78.30 Td (that ) Tj ET Q q 0 0 0 rg BT 67.00 78.30 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 112.00 78.30 Td (in ) Tj ET Q q 0 0 0 rg BT 122.28 78.30 Td (reviewing ) Tj ET Q q 0 0 0 rg BT 164.77 78.30 Td (our ) Tj ET Q q 0 0 0 rg BT 180.61 78.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 200.33 78.30 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 240.34 78.30 Td (will ) Tj ET Q q 0 0 0 rg BT 258.40 78.30 Td (not ) Tj ET Q q 0 0 0 rg BT 273.69 78.30 Td (request ) Tj ET Q q 0 0 0 rg BT 305.07 78.30 Td (us ) Tj ET Q q 0 0 0 rg BT 316.47 78.30 Td (to ) Tj ET Q q 0 0 0 rg BT 326.76 78.30 Td (materially ) Tj ET Q q 0 0 0 rg BT 369.80 78.30 Td (adjust ) Tj ET Q q 0 0 0 rg BT 396.19 78.30 Td (our ) Tj ET Q q 0 0 0 rg BT 412.03 78.30 Td (allowance ) Tj ET Q q 0 0 0 rg BT 455.07 78.30 Td (for ) Tj ET Q q 0 0 0 rg BT 469.24 78.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 488.96 78.30 Td (and ) Tj ET Q q 0 0 0 rg BT 505.91 78.30 Td (lease ) Tj ET Q q 0 0 0 rg BT 528.40 78.30 Td (losses ) Tj ET Q q 0 0 0 rg BT 554.80 78.30 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 66.30 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 66.30 Td (time ) Tj ET Q q 0 0 0 rg BT 84.49 66.30 Td (of ) Tj ET Q q 0 0 0 rg BT 95.32 66.30 Td (their ) Tj ET Q q 0 0 0 rg BT 116.15 66.30 Td (examination.) Tj ET Q endstream endobj 115 0 obj <> endobj 116 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (57) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 742.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 125.68 742.10 Td (management ) Tj ET Q q 0 0 0 rg BT 179.17 742.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 214.34 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 231.74 742.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 279.67 742.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 313.17 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.01 742.10 Td (general ) Tj ET Q q 0 0 0 rg BT 361.83 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 381.45 742.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 399.42 742.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 446.24 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 467.52 742.10 Td (been ) Tj ET Q q 0 0 0 rg BT 488.80 742.10 Td (established, ) Tj ET Q q 0 0 0 rg BT 538.14 742.10 Td (actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.54 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 91.89 730.10 Td (dependent ) Tj ET Q q 0 0 0 rg BT 136.12 730.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 159.27 730.10 Td (future ) Tj ET Q q 0 0 0 rg BT 186.29 730.10 Td (events ) Tj ET Q q 0 0 0 rg BT 214.98 730.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 235.06 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 246.53 730.10 Td (such, ) Tj ET Q q 0 0 0 rg BT 270.51 730.10 Td (further ) Tj ET Q q 0 0 0 rg BT 300.86 730.10 Td (additions ) Tj ET Q q 0 0 0 rg BT 340.67 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.59 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.95 730.10 Td (level ) Tj ET Q q 0 0 0 rg BT 389.53 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.00 730.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 435.24 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.82 730.10 Td (general ) Tj ET Q q 0 0 0 rg BT 485.39 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 505.75 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.33 730.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 546.46 730.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (allowances ) Tj ET Q q 0 0 0 rg BT 96.42 718.10 Td (may ) Tj ET Q q 0 0 0 rg BT 116.14 718.10 Td (become ) Tj ET Q q 0 0 0 rg BT 149.73 718.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 187.95 718.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 706.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (Sour) Tj ET Q q 0 0 0 rg BT 69.88 694.10 Td (ces of Funds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (General.) 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514.10 Td (money ) Tj ET Q q 0 0 0 rg BT 199.43 514.10 Td (market ) Tj ET Q q 0 0 0 rg BT 229.61 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.47 514.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 270.17 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 272.59 514.10 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 312.50 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 329.36 514.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 361.78 514.10 Td (accounts\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.52 514.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.27 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 442.69 514.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.11 514.10 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 475.03 514.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.15 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 506.07 514.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.82 514.10 Td (24.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 514.10 Td (, ) 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 49.50 502.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 95.95 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.88 502.10 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.36 502.10 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.12 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.71 502.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.31 502.10 Td ($264.4 ) Tj ET Q q 0 0 0 rg BT 221.41 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.30 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 255.40 502.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.32 502.10 Td (15.0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 292.15 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 297.25 502.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.06 502.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 365.74 502.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.74 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 388.34 502.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 430.36 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 440.74 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.55 502.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 477.58 502.10 Td (year ) Tj ET Q q 0 0 0 rg BT 497.39 502.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 537.20 502.10 Td (due ) Tj ET Q q 0 0 0 rg BT 554.23 502.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.11 490.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 99.28 490.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 136.11 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.28 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.36 490.10 Td (American ) Tj ET Q q 0 0 0 rg BT 202.18 490.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 244.00 490.10 Td (mer) Tj ET Q q 0 0 0 rg BT 259.36 490.10 Td (ger) Tj ET Q q 0 0 0 rg BT 271.58 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 276.47 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.86 490.10 Td (Noninterest ) Tj ET Q q 0 0 0 rg BT 327.91 490.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 360.29 490.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 395.46 490.10 Td (grew ) Tj ET Q q 0 0 0 rg BT 417.84 490.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.24 490.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 450.13 490.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.24 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 481.14 490.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.86 490.10 Td (38.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.69 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 522.58 490.10 Td (compared ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.83 478.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 116.47 478.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.47 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 140.52 478.10 Td (Low ) Tj ET Q q 0 0 0 rg BT 160.40 478.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 178.06 478.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 212.39 478.10 Td (comprised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.60 478.10 Td (86%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.93 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 275.48 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.36 478.10 Td (total ) Tj ET Q q 0 0 0 rg BT 304.69 478.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 339.02 478.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.78 478.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 405.42 478.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.42 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 426.97 478.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 467.95 478.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.28 478.10 Td (84%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 495.61 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.16 478.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 478.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 466.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 442.10 Td (The following table sets forth the composition of our deposits at the dates indicated \(dollars in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 383.60 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 383.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 383.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 383.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 383.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 383.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 383.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 383.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 383.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 355.60 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 355.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 355.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 355.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 355.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 355.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 355.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 355.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 355.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 327.60 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 327.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 327.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 340.00 327.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.00 327.60 72.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.00 327.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 420.00 327.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.00 327.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.00 327.60 72.00 -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 274 407.6 m 340 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 407.6 m 344 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 407.6 m 416 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416 407.6 m 420 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 407.6 m 486 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 407.6 m 490 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 407.6 m 562 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 395.6 m 340 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 340 395.6 m 344 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 395.6 m 416 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 407.6 m 486 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 395.6 m 486 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 407.6 m 490 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 486 395.6 m 490 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 407.6 m 562 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 395.6 m 562 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 383.6 m 340 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 395.6 m 416 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 383.6 m 416 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 383.6 m 486 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 395.6 m 562 395.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 383.6 m 562 383.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 313.6 m 340 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 313.6 m 416 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 313.6 m 486 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 313.6 m 562 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 313.6 m 340 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 300.6 m 340 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 298.6 m 340 298.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 300.6 m 416 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 344 298.6 m 416 298.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 313.6 m 486 313.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 300.6 m 486 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 420 298.6 m 486 298.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 300.6 m 562 300.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490 298.6 m 562 298.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 410.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 389.00 411.68 Td (AtDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 398.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 336.50 399.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 482.50 399.68 Td (2015) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 386.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 292.45 387.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 366.45 387.68 Td (Percent) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 438.45 387.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.45 387.68 Td (Percent) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 374.17 Td (Demand deposits, noninterest bearing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.50 374.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.15 374.17 Td (6,408,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 374.17 Td (45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 374.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.50 374.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.15 374.17 Td (4,627,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 374.17 Td (40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 374.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 360.17 Td (NOW and money market accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.15 360.17 Td (4,543,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 360.17 Td (32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.15 360.17 Td (4,144,633) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 360.17 Td (36) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 346.17 Td (Savings deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.15 346.17 Td (1,135,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 346.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 346.17 Td (974,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 346.17 Td (8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 332.17 Td (Certificates of deposit, $100,000 or more) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.15 332.17 Td (1,467,977) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.15 332.17 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.15 332.17 Td (1,182,443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 332.17 Td (11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 318.17 Td (Other certificates of deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 303.65 318.17 Td (555,306) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.15 318.17 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 318.17 Td (576,400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.15 318.17 Td (5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 304.17 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.50 304.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.10 304.17 Td (14,110,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.15 304.17 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.15 304.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.50 304.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.10 304.17 Td (11,505,215) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.15 304.17 Td (100) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 304.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 117 0 obj <> endobj 118 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (58) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.61 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 147.06 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 170.06 742.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 188.62 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 211.62 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.40 742.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 270.96 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 282.85 742.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 330.27 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.17 742.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 374.62 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.62 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 416.73 742.10 Td (time ) Tj ET Q q 0 0 0 rg BT 438.06 742.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 474.41 742.10 Td ($100,000 ) Tj ET Q q 0 0 0 rg BT 515.47 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.47 742.10 Td (over ) Tj ET Q q 0 0 0 rg BT 554.80 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.08 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 130.58 730.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 144.19 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 707.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 707.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 679.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 679.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 651.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 651.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 623.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 623.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 595.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 595.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 567.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 567.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 539.60 422.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.00 539.60 90.00 -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 472 637.6 m 562 637.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 637.6 m 562 637.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 624.6 m 562 624.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 622.6 m 562 622.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 539.6 m 562 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 539.6 m 562 539.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 526.6 m 562 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472 524.6 m 562 524.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 698.17 Td (Certificates of deposit $100,000 and over:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 696.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 684.17 Td (Maturing within three months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 684.17 Td (272,029) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 670.17 Td (After three but within six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 670.17 Td (192,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 656.17 Td (After six but within twelve months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 656.17 Td (296,116) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 642.17 Td (After twelve months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 642.17 Td (676,236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 628.17 Td (T) Tj ET Q q 0 0 0 rg BT 57.91 628.17 Td (otal certificates of deposit $100,000 and over ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 241.19 632.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 628.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.15 628.17 Td (1,436,542) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.50 614.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 600.17 Td (Other time deposits $100,000 and over ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 210.53 604.70 Td (\(2\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.10 600.17 Td (:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 598.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 586.17 Td (Maturing within three months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 586.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 586.17 Td (8,192) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 572.17 Td (After three but within six months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 572.17 Td (4,684) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 558.17 Td (After six but within twelve months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 558.17 Td (8,859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 544.17 Td (After twelve months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 544.17 Td (9,700) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 530.17 Td (Total other time deposits $100,000 and over) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.50 530.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 530.17 Td (31,435) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 507.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 503.30 Td (Includes brokered deposits of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 193.97 503.30 Td ($797.9 million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 246.97 503.30 Td (.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 496.58 Td (\(2\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 492.50 Td (Consists of time deposits held in individual retirement accounts \(IRAs\) and time certificates that the customer has the option to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 481.70 Td (increase the principal balance and maintain the original interest rate. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 457.70 Td (Borr) Tj ET Q q 0 0 0 rg BT 69.87 457.70 Td (owings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.82 457.70 Td ( ) Tj ET Q q 0 0 0 rg BT 107.34 457.70 Td (T) Tj ET Q q 0 0 0 rg BT 112.75 457.70 Td (otal ) Tj ET Q q 0 0 0 rg BT 131.00 457.70 Td (short-term ) Tj ET Q q 0 0 0 rg BT 175.91 457.70 Td (and ) Tj ET Q q 0 0 0 rg BT 193.60 457.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 236.29 457.70 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 285.09 457.70 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.78 457.70 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 328.53 457.70 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.65 457.70 Td ( ) Tj ET Q q 0 0 0 rg BT 357.90 457.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 368.37 457.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 427.71 457.70 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.71 457.70 Td ( ) Tj ET Q q 0 0 0 rg BT 450.96 457.70 Td (compared ) Tj ET Q q 0 0 0 rg BT 493.64 457.70 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.67 457.70 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 525.43 457.70 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.54 457.70 Td ( ) Tj ET Q q 0 0 0 rg BT 554.80 457.70 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 445.70 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.22 445.70 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.22 445.70 Td (. ) Tj ET Q q 0 0 0 rg BT 135.67 445.70 Td (W) Tj ET Q q 0 0 0 rg BT 144.31 445.70 Td (e ) Tj ET Q q 0 0 0 rg BT 151.39 445.70 Td (have ) Tj ET Q q 0 0 0 rg BT 172.91 445.70 Td (access ) Tj ET Q q 0 0 0 rg BT 201.09 445.70 Td (to ) Tj ET Q q 0 0 0 rg BT 211.51 445.70 Td (a ) Tj ET Q q 0 0 0 rg BT 218.58 445.70 Td (variety ) Tj ET Q q 0 0 0 rg BT 248.99 445.70 Td (of ) Tj ET Q q 0 0 0 rg BT 259.96 445.70 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 304.26 445.70 Td (sources ) Tj ET Q q 0 0 0 rg BT 336.89 445.70 Td (and ) Tj ET Q q 0 0 0 rg BT 353.97 445.70 Td (use ) Tj ET Q q 0 0 0 rg BT 369.94 445.70 Td (short-term ) Tj ET Q q 0 0 0 rg BT 414.24 445.70 Td (and ) Tj ET Q q 0 0 0 rg BT 431.32 445.70 Td (long-term ) Tj ET Q q 0 0 0 rg BT 473.39 445.70 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 521.58 445.70 Td (to ) Tj ET Q q 0 0 0 rg BT 532.00 445.70 Td (support ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 433.70 Td (our ) Tj ET Q q 0 0 0 rg BT 65.91 433.70 Td (asset ) Tj ET Q q 0 0 0 rg BT 88.43 433.70 Td (base. ) Tj ET Q q 0 0 0 rg BT 114.28 433.70 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 160.69 433.70 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 209.32 433.70 Td (from ) Tj ET Q q 0 0 0 rg BT 231.84 433.70 Td (time ) Tj ET Q q 0 0 0 rg BT 252.69 433.70 Td (to ) Tj ET Q q 0 0 0 rg BT 263.55 433.70 Td (time ) Tj ET Q q 0 0 0 rg BT 284.41 433.70 Td (include ) Tj ET Q q 0 0 0 rg BT 316.92 433.70 Td (federal ) Tj ET Q q 0 0 0 rg BT 347.76 433.70 Td (funds ) Tj ET Q q 0 0 0 rg BT 373.06 433.70 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 419.18 433.70 Td (securities ) Tj ET Q q 0 0 0 rg BT 460.02 433.70 Td (sold ) Tj ET Q q 0 0 0 rg BT 479.77 433.70 Td (under ) Tj ET Q q 0 0 0 rg BT 505.62 433.70 Td (agreements ) Tj ET Q q 0 0 0 rg BT 554.24 433.70 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 421.70 Td (repurchase, ) Tj ET Q q 0 0 0 rg BT 97.69 421.70 Td (lines ) Tj ET Q q 0 0 0 rg BT 118.97 421.70 Td (of ) Tj ET Q q 0 0 0 rg BT 129.69 421.70 Td (credit ) Tj ET Q q 0 0 0 rg BT 154.84 421.70 Td (from ) Tj ET Q q 0 0 0 rg BT 176.67 421.70 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 235.71 421.70 Td (banks ) Tj ET Q q 0 0 0 rg BT 261.42 421.70 Td (and ) Tj ET Q q 0 0 0 rg BT 278.25 421.70 Td (Federal ) Tj ET Q q 0 0 0 rg BT 310.63 421.70 Td (Home ) Tj ET Q q 0 0 0 rg BT 337.45 421.70 Td (Loan ) Tj ET Q q 0 0 0 rg BT 360.39 421.70 Td (Bank ) Tj ET Q q 0 0 0 rg BT 383.89 421.70 Td (advances. ) Tj ET Q q 0 0 0 rg BT 427.75 421.70 Td (W) Tj ET Q q 0 0 0 rg BT 436.39 421.70 Td (e ) Tj ET Q q 0 0 0 rg BT 443.21 421.70 Td (also ) Tj ET Q q 0 0 0 rg BT 461.71 421.70 Td (of) Tj ET Q q 0 0 0 rg BT 469.86 421.70 Td (fer ) Tj ET Q q 0 0 0 rg BT 483.35 421.70 Td (customers ) Tj ET Q q 0 0 0 rg BT 526.29 421.70 Td (a ) Tj ET Q q 0 0 0 rg BT 533.11 421.70 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 409.70 Td (account ) Tj ET Q q 0 0 0 rg BT 83.09 409.70 Td (that ) Tj ET Q q 0 0 0 rg BT 100.59 409.70 Td (sweeps ) Tj ET Q q 0 0 0 rg BT 131.97 409.70 Td (balances ) Tj ET Q q 0 0 0 rg BT 168.89 409.70 Td (in ) Tj ET Q q 0 0 0 rg BT 179.17 409.70 Td (excess ) Tj ET Q q 0 0 0 rg BT 207.77 409.70 Td (of ) Tj ET Q q 0 0 0 rg BT 218.60 409.70 Td (an ) Tj ET Q q 0 0 0 rg BT 230.54 409.70 Td (agreed ) Tj ET Q q 0 0 0 rg BT 259.69 409.70 Td (upon ) Tj ET Q q 0 0 0 rg BT 282.19 409.70 Td (tar) Tj ET Q q 0 0 0 rg BT 292.55 409.70 Td (get ) Tj ET Q q 0 0 0 rg BT 307.27 409.70 Td (amount ) Tj ET Q q 0 0 0 rg BT 339.76 409.70 Td (into ) Tj ET Q q 0 0 0 rg BT 357.82 409.70 Td (overnight ) Tj ET Q q 0 0 0 rg BT 398.65 409.70 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 444.45 409.70 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 397.70 Td () Tj ET Q endstream endobj 119 0 obj <> endobj 120 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.82 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 145.49 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 167.69 742.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 185.47 742.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 207.69 742.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 237.66 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 287.65 742.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 328.74 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 344.85 742.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 389.28 742.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 437.61 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 447.60 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 462.59 742.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 485.92 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 503.13 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 517.57 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 742.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (indicated ) Tj ET Q q 0 0 0 rg BT 88.65 730.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 121.70 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.98 730.10 Td (thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 695.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 695.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 695.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 695.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 667.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 667.60 4.00 -14.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 50.00 555.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 555.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 555.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 555.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 555.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 555.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 555.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 527.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 527.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 527.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 527.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 527.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 527.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 527.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 499.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 499.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 499.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 499.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 499.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 499.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 499.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 471.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 471.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 471.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 471.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 443.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 443.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 443.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 443.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 415.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 415.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 415.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 415.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 387.60 308.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.00 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.00 387.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.00 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.00 387.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.00 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 387.60 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 362 707.6 m 426 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 707.6 m 430 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 707.6 m 494 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 707.6 m 498 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 707.6 m 562 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 707.6 m 426 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362 695.6 m 426 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426 707.6 m 430 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 707.6 m 494 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430 695.6 m 494 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494 707.6 m 498 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 707.6 m 562 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498 695.6 m 562 695.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 710.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 393.95 711.68 Td (AtorFortheYearEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 698.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 385.50 699.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 453.50 699.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 699.68 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 686.17 Td (Federal funds purchased:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 422.50 684.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 672.17 Td (Average balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 672.17 Td (53,076) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.50 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 672.17 Td (8,848) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 672.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 672.17 Td (15,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 658.17 Td (Maximum outstanding at any month-end during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 658.17 Td (77,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.65 658.17 Td (82,124) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 658.17 Td (68,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 644.17 Td (Balance outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 644.17 Td (46,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.65 644.17 Td (4,530) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 644.17 Td (11,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 630.17 Td (Weighted average interest rate during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 630.17 Td (0.60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 630.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 630.17 Td (0.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 630.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 630.17 Td (0.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 630.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 616.17 Td (Weighted average interest rate at end of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 616.17 Td (0.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 616.17 Td (0.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 616.17 Td (0.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 602.17 Td (Securities sold under agreements to repurchase:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 422.50 600.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 588.17 Td (Average balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 588.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 588.17 Td (202,673) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.50 588.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 588.17 Td (240,737) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 588.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 588.17 Td (206,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 574.17 Td (Maximum outstanding at any month-end during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 574.17 Td (257,901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 574.17 Td (276,724) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 574.17 Td (264,092) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 560.17 Td (Balance outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 560.17 Td (237,538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 560.17 Td (201,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 560.17 Td (219,824) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 546.17 Td (Weighted average interest rate during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 546.17 Td (0.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 546.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 546.17 Td (0.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 546.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 546.17 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 546.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 532.17 Td (Weighted average interest rate at end of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 532.17 Td (0.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 532.17 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 532.17 Td (0.21) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 518.17 Td (Federal Home Loan Bank advances:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 422.50 516.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 504.17 Td (Average balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 504.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 384.65 504.17 Td (869,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.50 504.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 504.17 Td (683,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 504.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 504.17 Td (179,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 490.17 Td (Maximum outstanding at any month-end during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.10 490.17 Td (1,315,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.10 490.17 Td (1,100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 490.17 Td (925,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 476.17 Td (Balance outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.10 476.17 Td (1,275,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.65 476.17 Td (775,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.65 476.17 Td (700,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 462.17 Td (Weighted average interest rate during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 462.17 Td (0.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 462.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 462.17 Td (0.14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 462.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 462.17 Td (0.12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 462.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 448.17 Td (Weighted average interest rate at end of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 448.17 Td (0.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 448.17 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 448.17 Td (0.13) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 434.17 Td (Correspondent bank line of credit:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 422.50 432.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 420.17 Td (Average balance outstanding) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.50 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.65 420.17 Td (6,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.50 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.15 420.17 Td (137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.50 420.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 420.17 Td (2,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 406.17 Td (Maximum outstanding at any month-end during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 406.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.65 406.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.65 406.17 Td (15,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 392.17 Td (Balance outstanding at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.65 392.17 Td (10,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.65 392.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 392.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 378.17 Td (Weighted average interest rate during the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 378.17 Td (2.11) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.15 378.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 378.17 Td (2.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.15 378.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 378.17 Td (2.03) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 378.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 364.17 Td (Weighted average interest rate at end of the period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.65 364.17 Td (2.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 364.17 Td (2.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.15 364.17 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 336.10 Td (Long-term ) Tj ET Q q 0 0 0 rg BT 130.98 336.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 179.24 336.10 Td (include ) Tj ET Q q 0 0 0 rg BT 211.39 336.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 235.21 336.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 269.02 336.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.51 336.10 Td (other ) Tj ET Q q 0 0 0 rg BT 302.77 336.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 328.82 336.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.31 336.10 Td (support ) Tj ET Q q 0 0 0 rg BT 372.02 336.10 Td (a ) Tj ET Q q 0 0 0 rg BT 379.18 336.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 416.88 336.10 Td (of ) Tj ET Q q 0 0 0 rg BT 427.93 336.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 472.85 336.10 Td (that ) Tj ET Q q 0 0 0 rg BT 490.56 336.10 Td (we ) Tj ET Q q 0 0 0 rg BT 504.94 336.10 Td (own ) Tj ET Q q 0 0 0 rg BT 524.87 336.10 Td (and ) Tj ET Q q 0 0 0 rg BT 542.03 336.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 324.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.32 324.10 Td (other ) Tj ET Q q 0 0 0 rg BT 83.90 324.10 Td (companies, ) Tj ET Q q 0 0 0 rg BT 132.21 324.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 165.23 324.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 192.71 324.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 216.30 324.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 240.44 324.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 280.13 324.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.61 324.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 340.63 324.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 386.98 324.10 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 439.88 324.10 Td (As ) Tj ET Q q 0 0 0 rg BT 454.03 324.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.40 324.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.52 324.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.52 324.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.56 324.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 312.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.06 312.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.06 312.10 Td (, ) Tj ET Q q 0 0 0 rg BT 133.04 312.10 Td (our ) Tj ET Q q 0 0 0 rg BT 148.85 312.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 190.76 312.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 238.79 312.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.70 312.10 Td ($31) Tj ET Q q 0 0 0 rg BT 275.33 312.10 Td (1.8 ) Tj ET Q q 0 0 0 rg BT 290.30 312.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.19 312.10 Td ( ) Tj ET Q q 0 0 0 rg BT 321.67 312.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.59 312.10 Td ($400.3 ) Tj ET Q q 0 0 0 rg BT 368.57 312.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.46 312.10 Td (, ) Tj ET Q q 0 0 0 rg BT 402.44 312.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 450.10 312.10 Td (. ) Tj ET Q q 0 0 0 rg BT 457.40 312.10 Td (The ) Tj ET Q q 0 0 0 rg BT 475.42 312.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 512.31 312.10 Td (in ) Tj ET Q q 0 0 0 rg BT 522.57 312.10 Td (long-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 300.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 97.55 300.10 Td (was ) Tj ET Q q 0 0 0 rg BT 115.60 300.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 155.32 300.10 Td (due ) Tj ET Q q 0 0 0 rg BT 172.25 300.10 Td (to ) Tj ET Q q 0 0 0 rg BT 182.53 300.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.25 300.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 234.16 300.10 Td (in ) Tj ET Q q 0 0 0 rg BT 244.44 300.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 286.38 300.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 314.44 300.10 Td (advances.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 276.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 276.10 Td (Junior ) Tj ET Q q 0 0 0 rg BT 112.30 276.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 165.75 276.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 188.65 276.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 215.45 276.10 Td (to ) Tj ET Q q 0 0 0 rg BT 225.03 276.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 253.47 276.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 276.94 276.10 Td (include ) Tj ET Q q 0 0 0 rg BT 308.17 276.10 Td (debentures ) Tj ET Q q 0 0 0 rg BT 353.28 276.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 371.75 276.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.33 276.10 Td (Coal ) Tj ET Q q 0 0 0 rg BT 402.01 276.10 Td (City ) Tj ET Q q 0 0 0 rg BT 421.03 276.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 451.58 276.10 Td (T) Tj ET Q q 0 0 0 rg BT 457.34 276.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 474.13 276.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 481.37 276.10 Td (American ) Tj ET Q q 0 0 0 rg BT 522.59 276.10 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 264.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 88.37 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 94.13 264.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 111.50 264.10 Td (I, ) Tj ET Q q 0 0 0 rg BT 119.71 264.10 Td (FOBB ) Tj ET Q q 0 0 0 rg BT 148.21 264.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 187.07 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 192.83 264.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 210.21 264.10 Td (III, ) Tj ET Q q 0 0 0 rg BT 224.90 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 230.31 264.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 253.23 264.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 284.32 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 290.07 264.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 307.45 264.10 Td (II, ) Tj ET Q q 0 0 0 rg BT 318.46 264.10 Td (American ) Tj ET Q q 0 0 0 rg BT 360.26 264.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 402.06 264.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 440.93 264.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.69 264.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 464.06 264.10 Td (II, ) Tj ET Q q 0 0 0 rg BT 475.60 264.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 493.53 264.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 533.12 264.10 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 252.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 252.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 72.62 252.10 Td (II, ) Tj ET Q q 0 0 0 rg BT 84.14 252.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 102.07 252.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 141.64 252.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 172.72 252.10 Td (T) Tj ET Q q 0 0 0 rg BT 178.47 252.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 195.84 252.10 Td (III, ) Tj ET Q q 0 0 0 rg BT 210.69 252.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 228.62 252.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 268.19 252.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 299.27 252.10 Td (T) Tj ET Q q 0 0 0 rg BT 305.02 252.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 322.39 252.10 Td (IV) Tj ET Q q 0 0 0 rg BT 331.65 252.10 Td (, ) Tj ET Q q 0 0 0 rg BT 336.51 252.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 354.44 252.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 394.01 252.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 425.09 252.10 Td (T) Tj ET Q q 0 0 0 rg BT 430.84 252.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 448.04 252.10 Td (V) Tj ET Q q 0 0 0 rg BT 453.97 252.10 Td (, ) Tj ET Q q 0 0 0 rg BT 458.83 252.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.63 252.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 493.56 252.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 533.13 252.10 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 240.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.26 240.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 72.79 240.10 Td (VI ) Tj ET Q q 0 0 0 rg BT 86.07 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.57 240.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 143.17 240.10 Td (with ) Tj ET Q q 0 0 0 rg BT 163.68 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.62 240.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 215.22 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.28 240.10 Td (their ) Tj ET Q q 0 0 0 rg BT 247.33 240.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 286.70 240.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 327.19 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 337.69 240.10 Td (1998, ) Tj ET Q q 0 0 0 rg BT 362.92 240.10 Td (2001, ) Tj ET Q q 0 0 0 rg BT 388.15 240.10 Td (2003, ) Tj ET Q q 0 0 0 rg BT 413.37 240.10 Td (2004, ) Tj ET Q q 0 0 0 rg BT 438.60 240.10 Td (2004, ) Tj ET Q q 0 0 0 rg BT 463.83 240.10 Td (2005, ) Tj ET Q q 0 0 0 rg BT 489.05 240.10 Td (2006, ) Tj ET Q q 0 0 0 rg BT 514.28 240.10 Td (2006, ) Tj ET Q q 0 0 0 rg BT 539.51 240.10 Td (2007, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 228.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.96 228.10 Td (2007, ) Tj ET Q q 0 0 0 rg BT 92.49 228.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 140.15 228.10 Td (. ) Tj ET Q q 0 0 0 rg BT 145.67 228.10 Td ( ) Tj ET Q q 0 0 0 rg BT 148.48 228.10 Td (T) Tj ET Q q 0 0 0 rg BT 153.79 228.10 Td (A) Tj ET Q q 0 0 0 rg BT 160.09 228.10 Td (YC ) Tj ET Q q 0 0 0 rg BT 177.01 228.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 208.70 228.10 Td (T) Tj ET Q q 0 0 0 rg BT 214.45 228.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 232.48 228.10 Td (II ) Tj ET Q q 0 0 0 rg BT 242.16 228.10 Td (was ) Tj ET Q q 0 0 0 rg BT 260.74 228.10 Td (established ) Tj ET Q q 0 0 0 rg BT 308.20 228.10 Td (by ) Tj ET Q q 0 0 0 rg BT 321.00 228.10 Td (T) Tj ET Q q 0 0 0 rg BT 326.41 228.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 349.99 228.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 381.89 228.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 404.36 228.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.16 228.10 Td (the ) Tj ET Q q 0 0 0 rg BT 430.40 228.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 478.01 228.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 524.91 228.10 Td (of ) Tj ET Q q 0 0 0 rg BT 536.05 228.10 Td (T) Tj ET Q q 0 0 0 rg BT 541.46 228.10 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 216.10 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 83.08 216.10 Td (and ) Tj ET Q q 0 0 0 rg BT 99.71 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.12 216.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 140.20 216.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 194.05 216.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 217.36 216.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 244.55 216.10 Td (by ) Tj ET Q q 0 0 0 rg BT 256.59 216.10 Td (T) Tj ET Q q 0 0 0 rg BT 262.00 216.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 284.74 216.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 315.82 216.10 Td (to ) Tj ET Q q 0 0 0 rg BT 325.63 216.10 Td (T) Tj ET Q q 0 0 0 rg BT 330.94 216.10 Td (A) Tj ET Q q 0 0 0 rg BT 337.24 216.10 Td (YC ) Tj ET Q q 0 0 0 rg BT 353.33 216.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 384.25 216.10 Td (T) Tj ET Q q 0 0 0 rg BT 390.00 216.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 407.20 216.10 Td (II ) Tj ET Q q 0 0 0 rg BT 416.05 216.10 Td (were ) Tj ET Q q 0 0 0 rg BT 437.68 216.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 474.31 216.10 Td (by ) Tj ET Q q 0 0 0 rg BT 486.50 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.92 216.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 542.00 216.10 Td (upon ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 204.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 96.91 204.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.66 204.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.30 204.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 171.11 204.10 Td ( ) Tj ET Q q 0 0 0 rg BT 172.99 204.10 Td (American ) Tj ET Q q 0 0 0 rg BT 214.84 204.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 256.69 204.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 295.60 204.10 Td (T) Tj ET Q q 0 0 0 rg BT 301.35 204.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 318.78 204.10 Td (I ) Tj ET Q q 0 0 0 rg BT 324.53 204.10 Td (and ) Tj ET Q q 0 0 0 rg BT 340.85 204.10 Td (American ) Tj ET Q q 0 0 0 rg BT 382.70 204.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 424.54 204.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 463.46 204.10 Td (T) Tj ET Q q 0 0 0 rg BT 469.21 204.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 486.64 204.10 Td (II ) Tj ET Q q 0 0 0 rg BT 495.72 204.10 Td (were ) Tj ET Q q 0 0 0 rg BT 517.57 204.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 192.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.75 192.10 Td (American ) Tj ET Q q 0 0 0 rg BT 104.06 192.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 146.37 192.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 168.69 192.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.36 192.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.46 192.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 241.92 192.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 288.69 192.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.27 192.10 Td (American ) Tj ET Q q 0 0 0 rg BT 341.58 192.10 Td (Chartered, ) Tj ET Q q 0 0 0 rg BT 386.39 192.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.71 192.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.82 192.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 445.59 192.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 500.13 192.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 524.13 192.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 552.01 192.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 180.10 Td (American ) Tj ET Q q 0 0 0 rg BT 92.14 180.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 134.79 180.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.07 180.10 Td (American ) Tj ET Q q 0 0 0 rg BT 187.72 180.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 230.36 180.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 270.01 180.10 Td (T) Tj ET Q q 0 0 0 rg BT 275.77 180.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 293.99 180.10 Td (I ) Tj ET Q q 0 0 0 rg BT 300.54 180.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.48 180.10 Td (American ) Tj ET Q q 0 0 0 rg BT 360.13 180.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 402.77 180.10 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 442.42 180.10 Td (T) Tj ET Q q 0 0 0 rg BT 448.18 180.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 466.40 180.10 Td (II ) Tj ET Q q 0 0 0 rg BT 476.28 180.10 Td (were ) Tj ET Q q 0 0 0 rg BT 498.92 180.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 536.58 180.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 180.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 168.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.89 168.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 113.39 168.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 160.88 168.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.71 168.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.42 168.10 Td (acquisition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 144.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 144.10 Td (On ) Tj ET Q q 0 0 0 rg BT 101.70 144.10 Td (September ) Tj ET Q q 0 0 0 rg BT 148.45 144.10 Td (22, ) Tj ET Q q 0 0 0 rg BT 164.93 144.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 191.41 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.61 144.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 250.47 144.10 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 293.32 144.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.52 144.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 337.38 144.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 393.02 144.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 418.11 144.10 Td (held ) Tj ET Q q 0 0 0 rg BT 439.31 144.10 Td (by ) Tj ET Q q 0 0 0 rg BT 453.00 144.10 Td (T) Tj ET Q q 0 0 0 rg BT 458.41 144.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 482.94 144.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 515.51 144.10 Td (T) Tj ET Q q 0 0 0 rg BT 521.27 144.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 540.25 144.10 Td (I ) Tj ET Q q 0 0 0 rg BT 547.56 144.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 132.10 Td (concurrently ) Tj ET Q q 0 0 0 rg BT 101.45 132.10 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 141.74 132.10 Td (all ) Tj ET Q q 0 0 0 rg BT 153.16 132.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.91 132.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.55 132.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 202.97 132.10 Td (and ) Tj ET Q q 0 0 0 rg BT 218.83 132.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 266.92 132.10 Td (9.75% ) Tj ET Q q 0 0 0 rg BT 294.07 132.10 Td (T) Tj ET Q q 0 0 0 rg BT 299.38 132.10 Td (A) Tj ET Q q 0 0 0 rg BT 305.68 132.10 Td (YC ) Tj ET Q q 0 0 0 rg BT 320.99 132.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 351.19 132.10 Td (T) Tj ET Q q 0 0 0 rg BT 356.95 132.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 373.37 132.10 Td (I ) Tj ET Q q 0 0 0 rg BT 378.13 132.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 416.75 132.10 Td (Securities. ) Tj ET Q q 0 0 0 rg BT 460.10 132.10 Td ( ) Tj ET Q q 0 0 0 rg BT 461.42 132.10 Td (The ) Tj ET Q q 0 0 0 rg BT 478.39 132.10 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 518.68 132.10 Td (liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 120.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.27 120.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.37 120.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.36 120.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 128.91 120.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 168.32 120.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 208.85 120.10 Td (was ) Tj ET Q q 0 0 0 rg BT 227.18 120.10 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 252.45 120.10 Td (million. ) Tj ET Q q 0 0 0 rg BT 286.62 120.10 Td ( ) Tj ET Q q 0 0 0 rg BT 289.19 120.10 Td (T) Tj ET Q q 0 0 0 rg BT 294.49 120.10 Td (A) Tj ET Q q 0 0 0 rg BT 300.80 120.10 Td (YC ) Tj ET Q q 0 0 0 rg BT 317.46 120.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 348.92 120.10 Td (T) Tj ET Q q 0 0 0 rg BT 354.67 120.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 372.45 120.10 Td (I ) Tj ET Q q 0 0 0 rg BT 378.55 120.10 Td (was ) Tj ET Q q 0 0 0 rg BT 396.87 120.10 Td (established ) Tj ET Q q 0 0 0 rg BT 444.08 120.10 Td (by ) Tj ET Q q 0 0 0 rg BT 456.65 120.10 Td (T) Tj ET Q q 0 0 0 rg BT 462.06 120.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 485.38 120.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 517.03 120.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 539.24 120.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 120.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 108.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.19 108.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 142.19 108.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.48 108.10 Td (T) Tj ET Q q 0 0 0 rg BT 157.89 108.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 180.55 108.10 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 214.05 108.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.60 108.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.93 108.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 270.93 108.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 324.70 108.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 347.93 108.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 375.04 108.10 Td (by ) Tj ET Q q 0 0 0 rg BT 387.00 108.10 Td (T) Tj ET Q q 0 0 0 rg BT 392.41 108.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 415.07 108.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 446.07 108.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.81 108.10 Td (T) Tj ET Q q 0 0 0 rg BT 461.12 108.10 Td (A) Tj ET Q q 0 0 0 rg BT 467.42 108.10 Td (YC ) Tj ET Q q 0 0 0 rg BT 483.43 108.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 514.27 108.10 Td (T) Tj ET Q q 0 0 0 rg BT 520.03 108.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 537.14 108.10 Td (I ) Tj ET Q q 0 0 0 rg BT 542.58 108.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 96.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 86.01 96.10 Td (by ) Tj ET Q q 0 0 0 rg BT 98.08 96.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.37 96.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 153.32 96.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 175.39 96.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 222.45 96.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.85 96.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.14 96.10 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 295.59 96.10 Td ( ) Tj ET Q q 0 0 0 rg BT 297.21 96.10 Td (As ) Tj ET Q q 0 0 0 rg BT 310.39 96.10 Td (a ) Tj ET Q q 0 0 0 rg BT 316.90 96.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 343.69 96.10 Td (a ) Tj ET Q q 0 0 0 rg BT 350.20 96.10 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 369.77 96.10 Td (million ) Tj ET Q q 0 0 0 rg BT 400.73 96.10 Td (gain ) Tj ET Q q 0 0 0 rg BT 420.01 96.10 Td (on ) Tj ET Q q 0 0 0 rg BT 432.08 96.10 Td (early ) Tj ET Q q 0 0 0 rg BT 454.14 96.10 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 517.87 96.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.27 96.10 Td (this ) Tj ET Q q 0 0 0 rg BT 544.79 96.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 84.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.55 84.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 113.91 84.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.19 84.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.91 84.10 Td (third ) Tj ET Q q 0 0 0 rg BT 160.30 84.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 191.11 84.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.94 84.10 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 60.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 60.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.73 60.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 111.19 60.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 170.39 60.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.39 60.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.51 60.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.07 60.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 270.28 60.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.28 60.10 Td (, ) Tj ET Q q 0 0 0 rg BT 295.90 60.10 Td (our ) Tj ET Q q 0 0 0 rg BT 312.35 60.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 339.36 60.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 394.14 60.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 418.37 60.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 446.49 60.10 Td (to ) Tj ET Q q 0 0 0 rg BT 457.39 60.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 487.16 60.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 511.95 60.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 60.10 Td ($210.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 48.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 48.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.89 48.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.83 48.10 Td ($186.2 ) Tj ET Q q 0 0 0 rg BT 127.83 48.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.72 48.10 Td (, ) Tj ET Q q 0 0 0 rg BT 161.72 48.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 209.38 48.10 Td (. ) Tj ET Q q 0 0 0 rg BT 216.88 48.10 Td (See ) Tj ET Q q 0 0 0 rg BT 233.82 48.10 Td (Notes ) Tj ET Q q 0 0 0 rg BT 259.65 48.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 267.15 48.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.09 48.10 Td (12 ) Tj ET Q q 0 0 0 rg BT 296.59 48.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.87 48.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.58 48.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 374.63 48.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 412.11 48.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 456.82 48.10 Td (for ) Tj ET Q q 0 0 0 rg BT 470.98 48.10 Td (further ) Tj ET Q q 0 0 0 rg BT 500.69 48.10 Td (analysis.) Tj ET Q endstream endobj 121 0 obj <> endobj 122 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (60) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.50 742.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (Liquidity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 706.10 Td (Liquidity ) Tj ET Q q 0 0 0 rg BT 126.06 706.10 Td (management ) Tj ET Q q 0 0 0 rg BT 180.50 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 190.51 706.10 Td (monitored ) Tj ET Q q 0 0 0 rg BT 234.95 706.10 Td (by ) Tj ET Q q 0 0 0 rg BT 248.30 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 260.34 706.10 Td (Asset/Liability ) Tj ET Q q 0 0 0 rg BT 323.12 706.10 Td (Committee, ) Tj ET Q q 0 0 0 rg BT 373.40 706.10 Td (consisting ) Tj ET Q q 0 0 0 rg BT 417.30 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 428.97 706.10 Td (members ) Tj ET Q q 0 0 0 rg BT 468.97 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 480.64 706.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 537.57 706.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 84.03 694.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 118.57 694.10 Td (requirements, ) Tj ET Q q 0 0 0 rg BT 176.71 694.10 Td (current ) Tj ET Q q 0 0 0 rg BT 208.46 694.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 245.78 694.10 Td (position, ) Tj ET Q q 0 0 0 rg BT 283.94 694.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 317.36 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.23 694.10 Td (stability ) Tj ET Q q 0 0 0 rg BT 370.89 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.65 694.10 Td (funding, ) Tj ET Q q 0 0 0 rg BT 419.69 694.10 Td (marketability ) Tj ET Q q 0 0 0 rg BT 476.44 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 488.20 694.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 517.46 694.10 Td (options ) Tj ET Q q 0 0 0 rg BT 550.34 694.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td (attracting ) Tj ET Q q 0 0 0 rg BT 89.76 682.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 132.25 682.10 Td (funds, ) Tj ET Q q 0 0 0 rg BT 159.47 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.41 682.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 222.78 682.10 Td (future ) Tj ET Q q 0 0 0 rg BT 249.15 682.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 282.76 682.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 310.53 682.10 Td (including ) Tj ET Q q 0 0 0 rg BT 350.80 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.52 682.10 Td (level ) Tj ET Q q 0 0 0 rg BT 387.45 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.28 682.10 Td (unfunded ) Tj ET Q q 0 0 0 rg BT 438.55 682.10 Td (commitments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 658.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.17 658.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 136.94 658.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 169.05 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 179.49 658.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 203.83 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 218.16 658.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 240.81 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.37 658.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 306.68 658.10 Td (deposits, ) Tj ET Q q 0 0 0 rg BT 344.08 658.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 387.85 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.41 658.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 445.96 658.10 Td (borrowings, ) Tj ET Q q 0 0 0 rg BT 496.13 658.10 Td (public ) Tj ET Q q 0 0 0 rg BT 523.24 658.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 547.58 658.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 73.94 646.10 Td (generated ) Tj ET Q q 0 0 0 rg BT 115.01 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 136.67 646.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 185.54 646.10 Td (Funds ) Tj ET Q q 0 0 0 rg BT 212.20 646.10 Td (from ) Tj ET Q q 0 0 0 rg BT 233.86 646.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 277.73 646.10 Td (include ) Tj ET Q q 0 0 0 rg BT 309.37 646.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 347.13 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 363.78 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 395.43 646.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 435.97 646.10 Td (received ) Tj ET Q q 0 0 0 rg BT 472.05 646.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.26 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 507.58 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.24 646.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.99 634.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 105.57 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 128.05 634.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 146.65 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.03 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 182.18 634.10 Td (held ) Tj ET Q q 0 0 0 rg BT 202.44 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 217.15 634.10 Td (sale. ) Tj ET Q q 0 0 0 rg BT 240.52 634.10 Td (While ) Tj ET Q q 0 0 0 rg BT 268.01 634.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 311.04 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 328.53 634.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 371.56 634.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 425.14 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.52 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 460.68 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 478.16 634.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 518.97 634.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 552.57 634.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (indication ) Tj ET Q q 0 0 0 rg BT 91.80 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.43 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.96 622.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 145.38 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.02 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 170.54 622.10 Td (receipt ) Tj ET Q q 0 0 0 rg BT 200.05 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.69 622.10 Td (funds, ) Tj ET Q q 0 0 0 rg BT 237.72 622.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 272.23 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 282.31 622.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 314.06 622.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 337.74 622.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 378.92 622.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 422.89 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 439.64 622.10 Td (competition ) Tj ET Q q 0 0 0 rg BT 489.71 622.10 Td (strongly ) Tj ET Q q 0 0 0 rg BT 524.80 622.10 Td (influence ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 89.76 610.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 139.47 610.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 160.84 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 177.78 610.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 209.17 610.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 236.39 610.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 273.88 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 288.59 610.10 Td (predictability ) Tj ET Q q 0 0 0 rg BT 344.41 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 355.24 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 369.95 610.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 398.57 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 411.07 610.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 443.56 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.39 610.10 Td (funds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 598.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.87 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 124.03 586.10 Td (no ) Tj ET Q q 0 0 0 rg BT 137.32 586.10 Td (required ) Tj ET Q q 0 0 0 rg BT 173.93 586.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 218.31 586.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 255.49 586.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 281.00 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.07 586.10 Td (maintain; ) Tj ET Q q 0 0 0 rg BT 333.13 586.10 Td (however) Tj ET Q q 0 0 0 rg BT 367.16 586.10 Td (, ) Tj ET Q q 0 0 0 rg BT 372.95 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 387.90 586.10 Td (adhere ) Tj ET Q q 0 0 0 rg BT 417.83 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 428.90 586.10 Td (an ) Tj ET Q q 0 0 0 rg BT 441.63 586.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 475.46 586.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 503.75 586.10 Td (which ) Tj ET Q q 0 0 0 rg BT 531.47 586.10 Td (dictates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 83.91 574.10 Td (thresholds. ) Tj ET Q q 0 0 0 rg BT 133.60 574.10 Td (This ) Tj ET Q q 0 0 0 rg BT 155.24 574.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 184.10 574.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 222.41 574.10 Td (that ) Tj ET Q q 0 0 0 rg BT 241.27 574.10 Td (we ) Tj ET Q q 0 0 0 rg BT 256.79 574.10 Td (may ) Tj ET Q q 0 0 0 rg BT 277.87 574.10 Td (not ) Tj ET Q q 0 0 0 rg BT 294.52 574.10 Td (have ) Tj ET Q q 0 0 0 rg BT 317.26 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 325.56 574.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 347.75 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.95 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 384.92 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.56 574.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 433.21 574.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 478.17 574.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 518.69 574.10 Td (repurchase ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (agreements\) ) Tj ET Q q 0 0 0 rg BT 100.42 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 110.25 562.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 138.41 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 148.79 562.10 Td (90%. ) Tj ET Q q 0 0 0 rg BT 174.18 562.10 Td (In ) Tj ET Q q 0 0 0 rg BT 184.56 562.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 221.89 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 237.28 562.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 269.88 562.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 296.93 562.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 332.31 562.10 Td (\(i\)a ) Tj ET Q q 0 0 0 rg BT 350.74 562.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 391.13 562.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 429.27 562.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 454.08 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 464.47 562.10 Td (LCR, ) Tj ET Q q 0 0 0 rg BT 488.47 562.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 526.08 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.91 562.10 Td (ensure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.94 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 73.82 550.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 95.71 550.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 137.04 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 148.92 550.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 186.90 550.10 Td (level ) Tj ET Q q 0 0 0 rg BT 208.78 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 219.55 550.10 Td (unencumbered, ) Tj ET Q q 0 0 0 rg BT 283.36 550.10 Td (high-quality ) Tj ET Q q 0 0 0 rg BT 334.69 550.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 360.46 550.10 Td (suf) Tj ET Q q 0 0 0 rg BT 372.50 550.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 400.49 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 410.71 550.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 432.59 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.25 550.10 Td (bank) Tj ET Q q 0 0 0 rg BT 469.47 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 475.81 550.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 512.14 550.10 Td (needs ) Tj ET Q q 0 0 0 rg BT 537.36 550.10 Td (over ) Tj ET Q q 0 0 0 rg BT 557.57 550.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (30-day ) Tj ET Q q 0 0 0 rg BT 79.07 538.10 Td (time ) Tj ET Q q 0 0 0 rg BT 98.65 538.10 Td (horizon ) Tj ET Q q 0 0 0 rg BT 131.00 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 155.57 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 166.82 538.10 Td (acute ) Tj ET Q q 0 0 0 rg BT 189.71 538.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 225.41 538.10 Td (stress ) Tj ET Q q 0 0 0 rg BT 249.44 538.10 Td (scenario ) Tj ET Q q 0 0 0 rg BT 284.56 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 300.80 538.10 Td (should ) Tj ET Q q 0 0 0 rg BT 329.27 538.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 358.83 538.10 Td (1) Tj ET Q q 0 0 0 rg BT 363.46 538.10 Td (10%, ) Tj ET Q q 0 0 0 rg BT 386.09 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 402.34 538.10 Td (\(ii\)a ) Tj ET Q q 0 0 0 rg BT 423.30 538.10 Td (net ) Tj ET Q q 0 0 0 rg BT 441.76 538.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 466.89 538.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 499.80 538.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 524.37 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 534.50 538.10 Td (NSFR, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.64 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 88.01 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 103.93 526.10 Td (proportion/ratio ) Tj ET Q q 0 0 0 rg BT 170.95 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.98 526.10 Td (available ) Tj ET Q q 0 0 0 rg BT 222.77 526.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 265.90 526.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 292.93 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.41 526.10 Td (long-term, ) Tj ET Q q 0 0 0 rg BT 350.04 526.10 Td (stable ) Tj ET Q q 0 0 0 rg BT 377.07 526.10 Td (funding. ) Tj ET Q q 0 0 0 rg BT 416.06 526.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.76 526.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 489.54 526.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.54 526.10 Td (, ) Tj ET Q q 0 0 0 rg BT 515.74 526.10 Td (we ) Tj ET Q q 0 0 0 rg BT 531.10 526.10 Td (were ) Tj ET Q q 0 0 0 rg BT 554.23 526.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.09 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.37 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.08 514.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 174.46 514.10 Td (policies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 502.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 490.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.98 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 156.54 490.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.54 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 181.52 490.10 Td (we ) Tj ET Q q 0 0 0 rg BT 195.66 490.10 Td (had ) Tj ET Q q 0 0 0 rg BT 212.58 490.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 261.72 490.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 288.64 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.45 490.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 327.19 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 346.89 490.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 393.25 490.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 450.17 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 467.08 490.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 497.89 490.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 547.57 490.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 73.36 478.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 95.57 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.22 478.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 133.30 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.95 478.10 Td (approximately ) Tj ET Q q 0 0 0 rg BT 206.03 478.10 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.03 478.10 Td (4.1 ) Tj ET Q q 0 0 0 rg BT 226.85 478.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.96 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 261.04 478.10 Td (W) Tj ET Q q 0 0 0 rg BT 269.68 478.10 Td (e ) Tj ET Q q 0 0 0 rg BT 277.43 478.10 Td (anticipate ) Tj ET Q q 0 0 0 rg BT 319.62 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 337.94 478.10 Td (we ) Tj ET Q q 0 0 0 rg BT 352.92 478.10 Td (will ) Tj ET Q q 0 0 0 rg BT 371.79 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 393.99 478.10 Td (suf) Tj ET Q q 0 0 0 rg BT 406.03 478.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 434.89 478.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 460.43 478.10 Td (available ) Tj ET Q q 0 0 0 rg BT 499.84 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 510.94 478.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 533.69 478.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 96.33 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 113.72 466.10 Td (other ) Tj ET Q q 0 0 0 rg BT 137.21 466.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 170.16 466.10 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 232.55 466.10 Td (Certificates ) Tj ET Q q 0 0 0 rg BT 281.58 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.86 466.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 324.70 466.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 367.63 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 378.36 466.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 409.08 466.10 Td (within ) Tj ET Q q 0 0 0 rg BT 437.58 466.10 Td (one ) Tj ET Q q 0 0 0 rg BT 454.97 466.10 Td (year ) Tj ET Q q 0 0 0 rg BT 475.13 466.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.29 466.10 Td ($1.2 ) Tj ET Q q 0 0 0 rg BT 525.74 466.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.85 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 554.80 466.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 454.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.08 454.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 133.08 454.10 Td (including ) Tj ET Q q 0 0 0 rg BT 173.36 454.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 211.39 454.10 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 442.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 430.10 Td (In ) Tj ET Q q 0 0 0 rg BT 95.42 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 109.24 430.10 Td (event ) Tj ET Q q 0 0 0 rg BT 132.48 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 149.07 430.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 190.66 430.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 233.91 430.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 269.39 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 277.66 430.10 Td (needed, ) Tj ET Q q 0 0 0 rg BT 310.07 430.10 Td (we ) Tj ET Q q 0 0 0 rg BT 323.32 430.10 Td (have ) Tj ET Q q 0 0 0 rg BT 343.79 430.10 Td (established ) Tj ET Q q 0 0 0 rg BT 389.82 430.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 442.52 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 461.89 430.10 Td (several ) Tj ET Q q 0 0 0 rg BT 491.80 430.10 Td (lar) Tj ET Q q 0 0 0 rg BT 502.17 430.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 513.20 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 529.23 430.10 Td (regional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 75.06 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 85.06 418.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 117.83 418.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 161.71 418.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 209.49 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 219.49 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.94 418.10 Td (form ) Tj ET Q q 0 0 0 rg BT 255.60 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.16 418.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 296.14 418.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 320.58 418.10 Td (purchases. ) Tj ET Q q 0 0 0 rg BT 367.08 418.10 Td (While, ) Tj ET Q q 0 0 0 rg BT 396.24 418.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.68 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 463.99 418.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.99 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 488.71 418.10 Td (there ) Tj ET Q q 0 0 0 rg BT 510.92 418.10 Td (were ) Tj ET Q q 0 0 0 rg BT 532.58 418.10 Td (no ) Tj ET Q q 0 0 0 rg BT 544.80 418.10 Td (firm ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 82.30 406.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 139.54 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.12 406.10 Td (place, ) Tj ET Q q 0 0 0 rg BT 176.51 406.10 Td (management ) Tj ET Q q 0 0 0 rg BT 230.40 406.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 265.97 406.10 Td (that ) Tj ET Q q 0 0 0 rg BT 283.77 406.10 Td (we ) Tj ET Q q 0 0 0 rg BT 298.23 406.10 Td (could ) Tj ET Q q 0 0 0 rg BT 323.25 406.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 354.93 406.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.49 406.10 Td ($410.5 ) Tj ET Q q 0 0 0 rg BT 445.79 406.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.68 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 477.49 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 491.95 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 499.19 406.10 Td (short ) Tj ET Q q 0 0 0 rg BT 521.99 406.10 Td (time ) Tj ET Q q 0 0 0 rg BT 542.56 406.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td (these ) Tj ET Q q 0 0 0 rg BT 73.89 394.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 101.06 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 114.91 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 123.19 394.10 Td (collective ) Tj ET Q q 0 0 0 rg BT 165.90 394.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 193.89 394.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 243.79 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 250.14 394.10 Td (we ) Tj ET Q q 0 0 0 rg BT 265.64 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 281.69 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 289.97 394.10 Td (member ) Tj ET Q q 0 0 0 rg BT 326.58 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 338.75 394.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 372.58 394.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 400.86 394.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 425.25 394.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 450.20 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.37 394.10 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 499.54 394.10 Td (\(FHLB\).) Tj ET Q q 0 0 0 rg BT 538.71 394.10 Td (As ) Tj ET Q q 0 0 0 rg BT 553.67 394.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.66 382.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.66 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 134.24 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.53 382.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 191.50 382.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.01 382.10 Td ($1.5 ) Tj ET Q q 0 0 0 rg BT 229.59 382.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.71 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 258.78 382.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 308.53 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.38 382.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 348.02 382.10 Td (advances, ) Tj ET Q q 0 0 0 rg BT 390.24 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 407.76 382.10 Td (could ) Tj ET Q q 0 0 0 rg BT 433.05 382.10 Td (borrow ) Tj ET Q q 0 0 0 rg BT 465.01 382.10 Td (an ) Tj ET Q q 0 0 0 rg BT 477.53 382.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 520.60 382.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 553.67 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.86 370.10 Td ($869 ) Tj ET Q q 0 0 0 rg BT 130.47 370.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.36 370.10 Td (.) Tj ET Q q 0 0 0 rg BT 166.31 370.10 Td (As ) Tj ET Q q 0 0 0 rg BT 179.03 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 185.07 370.10 Td (contingency ) Tj ET Q q 0 0 0 rg BT 235.55 370.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 254.37 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 267.64 370.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 311.46 370.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 344.17 370.10 Td (needs, ) Tj ET Q q 0 0 0 rg BT 371.04 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.51 370.10 Td (Asset/Liability ) Tj ET Q q 0 0 0 rg BT 445.55 370.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 491.60 370.10 Td (may ) Tj ET Q q 0 0 0 rg BT 510.42 370.10 Td (also ) Tj ET Q q 0 0 0 rg BT 528.13 370.10 Td (consider ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.74 358.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 85.31 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 97.66 358.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 145.56 358.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 189.84 358.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 220.53 358.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 262.31 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 289.10 358.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 334.77 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.57 358.10 Td (repurchase, ) Tj ET Q q 0 0 0 rg BT 396.39 358.10 Td (or ) Tj ET Q q 0 0 0 rg BT 408.74 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.98 358.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 470.10 358.10 Td (curtailment ) Tj ET Q q 0 0 0 rg BT 519.65 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 532.00 358.10 Td (lending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 346.10 Td (activities.) Tj ET Q q 0 0 0 rg BT 92.55 346.10 Td (As ) Tj ET Q q 0 0 0 rg BT 106.31 346.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 117.29 346.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 176.02 346.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.02 346.10 Td (, ) Tj ET Q q 0 0 0 rg BT 201.17 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.03 346.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 257.57 346.10 Td (had ) Tj ET Q q 0 0 0 rg BT 274.65 346.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.06 346.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 355.21 346.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.32 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 383.97 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 394.95 346.10 Td (unpledged ) Tj ET Q q 0 0 0 rg BT 439.25 346.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 482.16 346.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 524.24 346.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 334.10 Td (available ) Tj ET Q q 0 0 0 rg BT 88.09 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.25 334.10 Td (pledge ) Tj ET Q q 0 0 0 rg BT 131.40 334.10 Td (at ) Tj ET Q q 0 0 0 rg BT 141.12 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.84 334.10 Td (FHLB.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 322.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 310.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 103.23 310.10 Td (main ) Tj ET Q q 0 0 0 rg BT 125.41 310.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 157.58 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.09 310.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 204.16 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 213.56 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 227.95 310.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 260.69 310.10 Td (company ) Tj ET Q q 0 0 0 rg BT 299.53 310.10 Td (level ) Tj ET Q q 0 0 0 rg BT 321.14 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 335.53 310.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 376.59 310.10 Td (from ) Tj ET Q q 0 0 0 rg BT 398.21 310.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 415.95 310.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 455.35 310.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 478.63 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.25 310.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 515.20 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 527.38 310.10 Td (hand. ) Tj ET Q q 0 0 0 rg BT 551.50 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 553.68 310.10 Td (In ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 298.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 87.25 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.95 298.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 143.31 298.10 Td (has ) Tj ET Q q 0 0 0 rg BT 159.12 298.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.04 298.10 Td ($35.0 ) Tj ET Q q 0 0 0 rg BT 191.01 298.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.91 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.38 298.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 265.40 298.10 Td (line ) Tj ET Q q 0 0 0 rg BT 282.87 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 293.68 298.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 318.92 298.10 Td (with ) Tj ET Q q 0 0 0 rg BT 339.18 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 346.09 298.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 405.22 298.10 Td (bank. ) Tj ET Q q 0 0 0 rg BT 429.63 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 431.57 298.10 Td (As ) Tj ET Q q 0 0 0 rg BT 445.16 298.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.96 298.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 514.53 298.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.53 298.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.50 298.10 Td ($10.0 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 286.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.43 286.10 Td (was ) Tj ET Q q 0 0 0 rg BT 98.02 286.10 Td (outstanding. ) Tj ET Q q 0 0 0 rg BT 149.23 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 151.12 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 168.71 286.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 201.30 286.10 Td (company ) Tj ET Q q 0 0 0 rg BT 240.00 286.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.48 286.10 Td ($26.6 ) Tj ET Q q 0 0 0 rg BT 281.02 286.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.91 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.95 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 321.77 286.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 341.58 286.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.95 286.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 410.07 286.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.07 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.61 286.10 Td (which ) Tj ET Q q 0 0 0 rg BT 461.09 286.10 Td (was ) Tj ET Q q 0 0 0 rg BT 478.68 286.10 Td (held ) Tj ET Q q 0 0 0 rg BT 497.94 286.10 Td (at ) Tj ET Q q 0 0 0 rg BT 507.20 286.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 524.80 286.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 274.10 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 262.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 250.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 103.74 250.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 143.63 250.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 167.41 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 176.76 250.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 207.76 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 218.22 250.10 Td (various ) Tj ET Q q 0 0 0 rg BT 250.33 250.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 294.11 250.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 323.43 250.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 378.31 250.10 Td (which ) Tj ET Q q 0 0 0 rg BT 405.43 250.10 Td (af) Tj ET Q q 0 0 0 rg BT 413.02 250.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 430.68 250.10 Td (its ) Tj ET Q q 0 0 0 rg BT 442.80 250.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 471.03 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 481.49 250.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 498.60 250.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 540.17 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 550.62 250.10 Td (us. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 238.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 81.52 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 92.99 238.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 116.11 238.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 158.69 238.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 189.04 238.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 244.93 238.10 Td (can ) Tj ET Q q 0 0 0 rg BT 262.50 238.10 Td (initiate ) Tj ET Q q 0 0 0 rg BT 293.96 238.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 324.85 238.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 371.31 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 389.44 238.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 445.33 238.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 477.35 238.10 Td (by ) Tj ET Q q 0 0 0 rg BT 491.04 238.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 534.71 238.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 555.90 238.10 Td (if ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 226.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 99.23 226.10 Td (could ) Tj ET Q q 0 0 0 rg BT 124.25 226.10 Td (have ) Tj ET Q q 0 0 0 rg BT 145.94 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 153.18 226.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 178.75 226.10 Td (material ) Tj ET Q q 0 0 0 rg BT 214.32 226.10 Td (ef) Tj ET Q q 0 0 0 rg BT 221.91 226.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 239.70 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 252.50 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.64 226.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.43 226.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 355.83 226.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 405.73 226.10 Td (, ) Tj ET Q q 0 0 0 rg BT 411.04 226.10 Td (our ) Tj ET Q q 0 0 0 rg BT 427.17 226.10 Td (current ) Tj ET Q q 0 0 0 rg BT 458.30 226.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 491.64 226.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 519.45 226.10 Td (ef) Tj ET Q q 0 0 0 rg BT 527.03 226.10 Td (fectively ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 214.10 Td (limits ) Tj ET Q q 0 0 0 rg BT 74.80 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.53 214.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 122.05 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 132.89 214.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 174.30 214.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 192.38 214.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 232.10 214.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 255.73 214.10 Td (may ) Tj ET Q q 0 0 0 rg BT 275.46 214.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 292.42 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.72 214.10 Td (us ) Tj ET Q q 0 0 0 rg BT 314.12 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 326.64 214.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 365.81 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.55 214.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 402.50 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 412.80 214.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 450.31 214.10 Td (total ) Tj ET Q q 0 0 0 rg BT 470.60 214.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 514.21 214.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 545.70 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 551.45 214.10 Td (ier ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 202.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 56.79 202.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 100.17 202.10 Td (capital, ) Tj ET Q q 0 0 0 rg BT 131.60 202.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 171.12 202.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 198.40 202.10 Td (tier ) Tj ET Q q 0 0 0 rg BT 214.01 202.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 221.29 202.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 250.23 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 266.79 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 272.54 202.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 285.38 202.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 292.66 202.10 Td (leverage ) Tj ET Q q 0 0 0 rg BT 328.81 202.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 357.74 202.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 382.25 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.86 202.10 Td (1) Tj ET Q q 0 0 0 rg BT 397.49 202.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 415.60 202.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 433.72 202.10 Td (7.5% ) Tj ET Q q 0 0 0 rg BT 456.83 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.56 202.10 Td (7%, ) Tj ET Q q 0 0 0 rg BT 491.67 202.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 539.33 202.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.46 202.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 190.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 91.78 190.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 117.38 190.10 Td (required ) Tj ET Q q 0 0 0 rg BT 154.08 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 169.13 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.95 190.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 199.78 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.94 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 223.77 190.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 270.47 190.10 Td (well ) Tj ET Q q 0 0 0 rg BT 295.51 190.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 346.64 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 361.69 190.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 406.17 190.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 445.11 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 460.70 190.10 Td (10%, ) Tj ET Q q 0 0 0 rg BT 484.92 190.10 Td (8%, ) Tj ET Q q 0 0 0 rg BT 504.13 190.10 Td (6.5% ) Tj ET Q q 0 0 0 rg BT 528.35 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 546.17 190.10 Td (5%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 178.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 101.65 178.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.64 178.10 Td (See ) Tj ET Q q 0 0 0 rg BT 120.06 178.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 144.81 178.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 154.30 178.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 191.85 178.10 Td (- ) Tj ET Q q 0 0 0 rg BT 197.17 178.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 246.93 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 263.36 178.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 309.23 178.10 Td (- ) Tj ET Q q 0 0 0 rg BT 314.54 178.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 344.97 178.10 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 384.86 178.10 Td (. ) Tj ET Q q 0 0 0 rg BT 396.29 178.10 Td (In ) Tj ET Q q 0 0 0 rg BT 406.61 178.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 441.37 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.13 178.10 Td (adhering ) Tj ET Q q 0 0 0 rg BT 488.10 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.87 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 513.19 178.10 Td (policy) Tj ET Q q 0 0 0 rg BT 537.53 178.10 Td (, ) Tj ET Q q 0 0 0 rg BT 542.02 178.10 Td (there ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 63.48 166.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 106.35 166.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 152.56 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 164.33 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.33 166.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 205.65 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 215.76 166.10 Td (national ) Tj ET Q q 0 0 0 rg BT 249.74 166.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 274.85 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 284.40 166.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 300.62 166.10 Td (dividends. ) Tj ET Q q 0 0 0 rg BT 346.28 166.10 Td (See ) Tj ET Q q 0 0 0 rg BT 362.49 166.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 387.03 166.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 396.30 166.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 433.64 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 445.42 166.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 494.97 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.18 166.10 Td (Regulation.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 142.10 Td (Off-Balance Sheet ) Tj ET Q q 0 0 0 rg BT 128.93 142.10 Td (Arrangements and ) Tj ET Q q 0 0 0 rg BT 211.16 142.10 Td (Aggr) Tj ET Q q 0 0 0 rg BT 232.63 142.10 Td (egate Contractual Obligations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.75 130.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 118.10 Td (Commitments.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 112.54 118.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.04 118.10 Td ( ) Tj ET Q q 0 0 0 rg BT 119.04 118.10 Td (As ) Tj ET Q q 0 0 0 rg BT 135.28 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 144.85 118.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 184.96 118.10 Td (services ) Tj ET Q q 0 0 0 rg BT 222.30 118.10 Td (provider) Tj ET Q q 0 0 0 rg BT 255.77 118.10 Td (, ) Tj ET Q q 0 0 0 rg BT 263.40 118.10 Td (we ) Tj ET Q q 0 0 0 rg BT 280.19 118.10 Td (routinely ) Tj ET Q q 0 0 0 rg BT 321.42 118.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 346.54 118.10 Td (into ) Tj ET Q q 0 0 0 rg BT 367.23 118.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 426.79 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.70 118.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 471.49 118.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 501.88 118.10 Td (including ) Tj ET Q q 0 0 0 rg BT 544.78 118.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 106.10 Td (commitments, ) Tj ET Q q 0 0 0 rg BT 107.92 106.10 Td (standby ) Tj ET Q q 0 0 0 rg BT 140.51 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.43 106.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 205.11 106.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 231.03 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.84 106.10 Td (credit. ) Tj ET Q q 0 0 0 rg BT 269.98 106.10 Td (While ) Tj ET Q q 0 0 0 rg BT 295.89 106.10 Td (these ) Tj ET Q q 0 0 0 rg BT 317.92 106.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 363.82 106.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 409.75 106.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 447.87 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 462.69 106.10 Td (future ) Tj ET Q q 0 0 0 rg BT 488.05 106.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 507.30 106.10 Td (requirements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 56.68 94.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 101.63 94.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 133.25 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.32 94.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 201.50 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 212.01 94.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 241.41 94.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 266.91 94.10 Td (may ) Tj ET Q q 0 0 0 rg BT 286.86 94.10 Td (expire ) Tj ET Q q 0 0 0 rg BT 314.59 94.10 Td (without ) Tj ET Q q 0 0 0 rg BT 347.88 94.10 Td (being ) Tj ET Q q 0 0 0 rg BT 372.84 94.10 Td (drawn ) Tj ET Q q 0 0 0 rg BT 400.57 94.10 Td (upon. ) Tj ET Q q 0 0 0 rg BT 428.30 94.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 451.04 94.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 508.22 94.10 Td (are ) Tj ET Q q 0 0 0 rg BT 523.17 94.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 554.23 94.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 63.25 82.10 Td (same ) Tj ET Q q 0 0 0 rg BT 85.32 82.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 109.61 82.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 142.24 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 158.21 82.10 Td (approval ) Tj ET Q q 0 0 0 rg BT 194.72 82.10 Td (process ) Tj ET Q q 0 0 0 rg BT 226.24 82.10 Td (accorded ) Tj ET Q q 0 0 0 rg BT 263.86 82.10 Td (to ) Tj ET Q q 0 0 0 rg BT 273.16 82.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 295.80 82.10 Td (made ) Tj ET Q q 0 0 0 rg BT 318.98 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 330.51 82.10 Td (us. ) Tj ET Q q 0 0 0 rg BT 345.93 82.10 Td (For ) Tj ET Q q 0 0 0 rg BT 361.35 82.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 402.87 82.10 Td (information, ) Tj ET Q q 0 0 0 rg BT 454.11 82.10 Td (see ) Tj ET Q q 0 0 0 rg BT 468.41 82.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 489.37 82.10 Td (16 ) Tj ET Q q 0 0 0 rg BT 500.90 82.10 Td (Commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.44 70.10 Td (Contingencies ) Tj ET Q q 0 0 0 rg BT 130.59 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 140.87 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.58 70.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 208.63 70.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 246.11 70.10 Td (statements.) Tj ET Q endstream endobj 123 0 obj <> endobj 124 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (61) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 742.25 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 97.72 742.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 141.51 742.25 Td (Instruments.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 196.24 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.74 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 202.53 742.25 Td (Derivatives ) Tj ET Q q 0 0 0 rg BT 252.42 742.25 Td (have ) Tj ET Q q 0 0 0 rg BT 275.09 742.25 Td (become ) Tj ET Q q 0 0 0 rg BT 309.97 742.25 Td (one ) Tj ET Q q 0 0 0 rg BT 328.20 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 340.32 742.25 Td (several ) Tj ET Q q 0 0 0 rg BT 372.43 742.25 Td (components ) Tj ET Q q 0 0 0 rg BT 424.55 742.25 Td (of ) Tj ET Q q 0 0 0 rg BT 436.67 742.25 Td (our ) Tj ET Q q 0 0 0 rg BT 453.79 742.25 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 510.91 742.25 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 87.94 730.25 Td (to ) Tj ET Q q 0 0 0 rg BT 98.07 730.25 Td (manage ) Tj ET Q q 0 0 0 rg BT 131.51 730.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 163.29 730.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 180.62 730.25 Td (risk. ) Tj ET Q q 0 0 0 rg BT 202.96 730.25 Td (Using ) Tj ET Q q 0 0 0 rg BT 229.20 730.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 271.52 730.25 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 323.03 730.25 Td (principally ) Tj ET Q q 0 0 0 rg BT 368.70 730.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 400.48 730.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 417.81 730.25 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 447.10 730.25 Td (our ) Tj ET Q q 0 0 0 rg BT 462.77 730.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 494.55 730.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 511.88 730.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 555.34 730.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 84.67 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 94.28 718.25 Td (maintain ) Tj ET Q q 0 0 0 rg BT 131.11 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 145.17 718.25 Td (desired ) Tj ET Q q 0 0 0 rg BT 175.89 718.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 207.16 718.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 223.99 718.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 240.83 718.25 Td (profile. ) Tj ET Q q 0 0 0 rg BT 274.19 718.25 Td (W) Tj ET Q q 0 0 0 rg BT 282.82 718.25 Td (e ) Tj ET Q q 0 0 0 rg BT 289.10 718.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 327.04 718.25 Td (use ) Tj ET Q q 0 0 0 rg BT 342.21 718.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 357.92 718.25 Td (value ) Tj ET Q q 0 0 0 rg BT 381.42 718.25 Td (type ) Tj ET Q q 0 0 0 rg BT 400.48 718.25 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 432.58 718.25 Td (or ) Tj ET Q q 0 0 0 rg BT 442.75 718.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 474.03 718.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 490.85 718.25 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 519.64 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 529.25 718.25 Td (mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.03 706.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 95.77 706.25 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 139.19 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.83 706.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 179.34 706.25 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 222.76 706.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 272.26 706.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 300.51 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 318.37 706.25 Td (change ) Tj ET Q q 0 0 0 rg BT 349.00 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 359.08 706.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 375.27 706.25 Td (value ) Tj ET Q q 0 0 0 rg BT 399.24 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.88 706.25 Td (both ) Tj ET Q q 0 0 0 rg BT 429.96 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 444.49 706.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.23 706.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 493.53 706.25 Td (swap ) Tj ET Q q 0 0 0 rg BT 516.39 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.14 706.25 Td (hedged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.25 Td (instrument ) Tj ET Q q 0 0 0 rg BT 94.77 694.25 Td (is ) Tj ET Q q 0 0 0 rg BT 103.94 694.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 141.42 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 151.70 694.25 Td (current ) Tj ET Q q 0 0 0 rg BT 182.51 694.25 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 670.25 Td (W) Tj ET Q q 0 0 0 rg BT 58.14 670.25 Td (e ) Tj ET Q q 0 0 0 rg BT 64.29 670.25 Td (also ) Tj ET Q q 0 0 0 rg BT 82.12 670.25 Td (of) Tj ET Q q 0 0 0 rg BT 90.27 670.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 103.08 670.25 Td (various ) Tj ET Q q 0 0 0 rg BT 134.24 670.25 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 182.32 670.25 Td (including ) Tj ET Q q 0 0 0 rg BT 221.81 670.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 252.96 670.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 269.67 670.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 295.83 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 311.98 670.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 342.57 670.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 379.27 670.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 412.63 670.25 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 452.94 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 462.44 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 477.48 670.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 519.75 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 529.24 670.25 Td (mitigate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.25 Td (our ) Tj ET Q q 0 0 0 rg BT 65.37 658.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 104.01 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 114.33 658.25 Td (market ) Tj ET Q q 0 0 0 rg BT 144.64 658.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 162.18 658.25 Td (through ) Tj ET Q q 0 0 0 rg BT 195.83 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.59 658.25 Td (execution ) Tj ET Q q 0 0 0 rg BT 252.00 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 262.87 658.25 Td (of) Tj ET Q q 0 0 0 rg BT 271.02 658.25 Td (f-setting ) Tj ET Q q 0 0 0 rg BT 306.89 658.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 345.55 658.25 Td (with ) Tj ET Q q 0 0 0 rg BT 365.87 658.25 Td (inter) Tj ET Q q 0 0 0 rg BT 383.99 658.25 Td (-bank ) Tj ET Q q 0 0 0 rg BT 409.30 658.25 Td (dealer ) Tj ET Q q 0 0 0 rg BT 436.27 658.25 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 500.27 658.25 Td (This ) Tj ET Q q 0 0 0 rg BT 520.59 658.25 Td (permits ) Tj ET Q q 0 0 0 rg BT 553.12 658.25 Td (us ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.01 646.25 Td (of) Tj ET Q q 0 0 0 rg BT 68.16 646.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 81.99 646.25 Td (customized ) Tj ET Q q 0 0 0 rg BT 130.26 646.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 148.00 646.25 Td (management ) Tj ET Q q 0 0 0 rg BT 201.82 646.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 240.67 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.18 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 267.24 646.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 315.32 646.25 Td (These ) Tj ET Q q 0 0 0 rg BT 341.93 646.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 381.32 646.25 Td (accommodations ) Tj ET Q q 0 0 0 rg BT 451.81 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.98 646.25 Td (any ) Tj ET Q q 0 0 0 rg BT 486.15 646.25 Td (of) Tj ET Q q 0 0 0 rg BT 494.30 646.25 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 527.02 646.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.09 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 102.80 634.25 Td (treated ) Tj ET Q q 0 0 0 rg BT 132.50 634.25 Td (as ) Tj ET Q q 0 0 0 rg BT 143.33 634.25 Td (stand-alone ) Tj ET Q q 0 0 0 rg BT 191.93 634.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 234.41 634.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 283.57 634.25 Td (which ) Tj ET Q q 0 0 0 rg BT 310.51 634.25 Td (do ) Tj ET Q q 0 0 0 rg BT 323.01 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 338.29 634.25 Td (qualify ) Tj ET Q q 0 0 0 rg BT 369.11 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 383.27 634.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 409.65 634.25 Td (accounting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 66.98 610.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.79 610.25 Td (also ) Tj ET Q q 0 0 0 rg BT 125.83 610.25 Td (enters ) Tj ET Q q 0 0 0 rg BT 151.63 610.25 Td (into ) Tj ET Q q 0 0 0 rg BT 169.12 610.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 208.81 610.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 242.96 610.25 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 288.76 610.25 Td (which ) Tj ET Q q 0 0 0 rg BT 315.13 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 329.26 610.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 368.95 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 379.21 610.25 Td (non-designated ) Tj ET Q q 0 0 0 rg BT 442.23 610.25 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 490.54 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 492.32 610.25 Td (These ) Tj ET Q q 0 0 0 rg BT 518.13 610.25 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.25 Td (include ) Tj ET Q q 0 0 0 rg BT 81.09 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 112.68 598.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 129.82 598.25 Td (lock ) Tj ET Q q 0 0 0 rg BT 149.20 598.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 205.79 598.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 243.50 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 253.43 598.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 296.14 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 306.07 598.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 326.56 598.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 355.92 598.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 395.84 598.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 419.11 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.04 598.25 Td (be ) Tj ET Q q 0 0 0 rg BT 440.64 598.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 459.46 598.25 Td (into ) Tj ET Q q 0 0 0 rg BT 477.18 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.55 598.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 534.25 598.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.60 586.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 100.91 586.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 158.01 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.33 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.21 586.25 Td (future ) Tj ET Q q 0 0 0 rg BT 213.75 586.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 249.17 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.16 586.25 Td (such ) Tj ET Q q 0 0 0 rg BT 281.16 586.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 307.42 586.25 Td (It ) Tj ET Q q 0 0 0 rg BT 316.19 586.25 Td (is ) Tj ET Q q 0 0 0 rg BT 325.53 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.40 586.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 387.64 586.25 Td (practice ) Tj ET Q q 0 0 0 rg BT 421.95 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.39 586.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 455.03 586.25 Td (into ) Tj ET Q q 0 0 0 rg BT 473.25 586.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 507.56 586.25 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.14 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.34 574.25 Td (future ) Tj ET Q q 0 0 0 rg BT 103.21 574.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 137.95 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.27 574.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 191.90 574.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 231.65 574.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 254.74 574.25 Td (when ) Tj ET Q q 0 0 0 rg BT 278.39 574.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 309.80 574.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 326.77 574.25 Td (lock ) Tj ET Q q 0 0 0 rg BT 345.97 574.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 402.40 574.25 Td (are ) Tj ET Q q 0 0 0 rg BT 416.59 574.25 Td (entered ) Tj ET Q q 0 0 0 rg BT 447.99 574.25 Td (into ) Tj ET Q q 0 0 0 rg BT 465.53 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.30 574.25 Td (order ) Tj ET Q q 0 0 0 rg BT 498.38 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.14 574.25 Td (economically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.23 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.30 562.25 Td (ef) Tj ET Q q 0 0 0 rg BT 98.89 562.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 116.73 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 127.91 562.25 Td (future ) Tj ET Q q 0 0 0 rg BT 154.64 562.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 189.70 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 200.33 562.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 232.62 562.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 254.35 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 267.20 562.25 Td (its ) Tj ET Q q 0 0 0 rg BT 279.50 562.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 336.79 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 347.42 562.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 368.61 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.68 562.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 407.64 562.25 Td (as ) Tj ET Q q 0 0 0 rg BT 418.82 562.25 Td (well ) Tj ET Q q 0 0 0 rg BT 438.89 562.25 Td (as ) Tj ET Q q 0 0 0 rg BT 450.07 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 462.93 562.25 Td (its ) Tj ET Q q 0 0 0 rg BT 475.23 562.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 513.08 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.26 562.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.11 550.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 105.12 550.25 Td (-sale.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 521.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.15 521.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.80 521.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 126.90 521.25 Td (are ) Tj ET Q q 0 0 0 rg BT 141.77 521.25 Td (used ) Tj ET Q q 0 0 0 rg BT 162.76 521.25 Td (in ) Tj ET Q q 0 0 0 rg BT 173.21 521.25 Td (order ) Tj ET Q q 0 0 0 rg BT 196.97 521.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.41 521.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 234.51 521.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.39 521.25 Td (price ) Tj ET Q q 0 0 0 rg BT 272.04 521.25 Td (volatility ) Tj ET Q q 0 0 0 rg BT 310.81 521.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.80 521.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.68 521.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 377.10 521.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 416.42 521.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 441.86 521.25 Td (asset. ) Tj ET Q q 0 0 0 rg BT 466.27 521.25 Td (The ) Tj ET Q q 0 0 0 rg BT 484.48 521.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 526.03 521.25 Td (also ) Tj ET Q q 0 0 0 rg BT 544.80 521.25 Td (uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 509.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 83.36 509.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 140.02 509.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.01 509.25 Td (buy ) Tj ET Q q 0 0 0 rg BT 167.22 509.25 Td (to-be-announced ) Tj ET Q q 0 0 0 rg BT 236.63 509.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 276.61 509.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 316.59 509.25 Td (for ) Tj ET Q q 0 0 0 rg BT 330.46 509.25 Td (which ) Tj ET Q q 0 0 0 rg BT 357.11 509.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.55 509.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 412.65 509.25 Td (does ) Tj ET Q q 0 0 0 rg BT 433.19 509.25 Td (not ) Tj ET Q q 0 0 0 rg BT 448.18 509.25 Td (intend ) Tj ET Q q 0 0 0 rg BT 475.39 509.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.39 509.25 Td (take ) Tj ET Q q 0 0 0 rg BT 504.26 509.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 539.23 509.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 509.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 497.25 Td (security ) Tj ET Q q 0 0 0 rg BT 83.70 497.25 Td (and ) Tj ET Q q 0 0 0 rg BT 100.69 497.25 Td (will ) Tj ET Q q 0 0 0 rg BT 118.79 497.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 141.32 497.25 Td (into ) Tj ET Q q 0 0 0 rg BT 159.42 497.25 Td (an ) Tj ET Q q 0 0 0 rg BT 171.41 497.25 Td (of) Tj ET Q q 0 0 0 rg BT 179.56 497.25 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 212.10 497.25 Td (position ) Tj ET Q q 0 0 0 rg BT 246.87 497.25 Td (before ) Tj ET Q q 0 0 0 rg BT 274.96 497.25 Td (physical ) Tj ET Q q 0 0 0 rg BT 310.83 497.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 346.14 497.25 Td (to ) Tj ET Q q 0 0 0 rg BT 356.46 497.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 383.45 497.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.21 497.25 Td (price ) Tj ET Q q 0 0 0 rg BT 420.74 497.25 Td (volatility ) Tj ET Q q 0 0 0 rg BT 459.40 497.25 Td (of ) Tj ET Q q 0 0 0 rg BT 470.27 497.25 Td (the ) Tj ET Q q 0 0 0 rg BT 485.04 497.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 525.35 497.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 485.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 74.89 485.25 Td (asset. ) Tj ET Q q 0 0 0 rg BT 99.44 485.25 Td ( ) Tj ET Q q 0 0 0 rg BT 101.86 485.25 Td (These ) Tj ET Q q 0 0 0 rg BT 128.35 485.25 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 174.83 485.25 Td (are ) Tj ET Q q 0 0 0 rg BT 189.65 485.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 227.24 485.25 Td (at ) Tj ET Q q 0 0 0 rg BT 237.07 485.25 Td (their ) Tj ET Q q 0 0 0 rg BT 258.00 485.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 274.49 485.25 Td (value ) Tj ET Q q 0 0 0 rg BT 298.76 485.25 Td (on ) Tj ET Q q 0 0 0 rg BT 311.37 485.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.20 485.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 379.35 485.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 412.49 485.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 439.54 485.25 Td (in ) Tj ET Q q 0 0 0 rg BT 449.93 485.25 Td (other ) Tj ET Q q 0 0 0 rg BT 473.09 485.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 499.03 485.25 Td (with ) Tj ET Q q 0 0 0 rg BT 519.42 485.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.24 485.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 473.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 65.88 473.25 Td (value ) Tj ET Q q 0 0 0 rg BT 90.03 473.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 127.51 473.25 Td (on ) Tj ET Q q 0 0 0 rg BT 140.01 473.25 Td (the ) Tj ET Q q 0 0 0 rg BT 154.72 473.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 207.77 473.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 252.48 473.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.31 473.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 307.46 473.25 Td (in ) Tj ET Q q 0 0 0 rg BT 317.74 473.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 358.01 473.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 392.72 473.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 426.87 473.25 Td (in ) Tj ET Q q 0 0 0 rg BT 437.15 473.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 487.41 473.25 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 444.25 Td (For ) Tj ET Q q 0 0 0 rg BT 65.70 444.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 108.01 444.25 Td (information, ) Tj ET Q q 0 0 0 rg BT 160.03 444.25 Td (including ) Tj ET Q q 0 0 0 rg BT 200.12 444.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.64 444.25 Td (notional ) Tj ET Q q 0 0 0 rg BT 249.73 444.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 282.04 444.25 Td (and ) Tj ET Q q 0 0 0 rg BT 298.79 444.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 314.98 444.25 Td (value ) Tj ET Q q 0 0 0 rg BT 338.94 444.25 Td (of ) Tj ET Q q 0 0 0 rg BT 349.59 444.25 Td (our ) Tj ET Q q 0 0 0 rg BT 365.23 444.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 407.52 444.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 456.50 444.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.03 444.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.42 444.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.42 444.25 Td (, ) Tj ET Q q 0 0 0 rg BT 549.23 444.25 Td (see ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 432.25 Td (Note ) Tj ET Q q 0 0 0 rg BT 71.44 432.25 Td (20 ) Tj ET Q q 0 0 0 rg BT 83.94 432.25 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 133.08 432.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 172.79 432.25 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 226.95 432.25 Td (to ) Tj ET Q q 0 0 0 rg BT 237.22 432.25 Td (the ) Tj ET Q q 0 0 0 rg BT 251.94 432.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 304.98 432.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 342.46 432.25 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 420.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 408.25 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 103.87 408.25 Td (Obligations.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 155.83 408.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.33 408.25 Td ( ) Tj ET Q q 0 0 0 rg BT 161.04 408.25 Td (In ) Tj ET Q q 0 0 0 rg BT 172.08 408.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.01 408.25 Td (ordinary ) Tj ET Q q 0 0 0 rg BT 223.60 408.25 Td (course ) Tj ET Q q 0 0 0 rg BT 252.41 408.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.45 408.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 310.32 408.25 Td (we ) Tj ET Q q 0 0 0 rg BT 324.69 408.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 347.39 408.25 Td (into ) Tj ET Q q 0 0 0 rg BT 365.65 408.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 395.57 408.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 442.70 408.25 Td (obligations. ) Tj ET Q q 0 0 0 rg BT 494.85 408.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 517.56 408.25 Td (obligations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 396.25 Td (include ) Tj ET Q q 0 0 0 rg BT 81.58 396.25 Td (the ) Tj ET Q q 0 0 0 rg BT 96.44 396.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 130.20 396.25 Td (of ) Tj ET Q q 0 0 0 rg BT 141.17 396.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 185.48 396.25 Td (through ) Tj ET Q q 0 0 0 rg BT 219.23 396.25 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 247.44 396.25 Td (advances, ) Tj ET Q q 0 0 0 rg BT 289.23 396.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 309.09 396.25 Td (issuances, ) Tj ET Q q 0 0 0 rg BT 352.01 396.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 406.31 396.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 430.07 396.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 457.71 396.25 Td (to ) Tj ET Q q 0 0 0 rg BT 468.14 396.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 497.43 396.25 Td (trusts, ) Tj ET Q q 0 0 0 rg BT 524.25 396.25 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 384.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 75.88 384.25 Td (for ) Tj ET Q q 0 0 0 rg BT 90.04 384.25 Td (premises ) Tj ET Q q 0 0 0 rg BT 128.08 384.25 Td (and ) Tj ET Q q 0 0 0 rg BT 145.02 384.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 192.23 384.25 Td (as ) Tj ET Q q 0 0 0 rg BT 203.06 384.25 Td (well ) Tj ET Q q 0 0 0 rg BT 222.78 384.25 Td (as ) Tj ET Q q 0 0 0 rg BT 233.61 384.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 262.76 384.25 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 316.36 384.25 Td (for ) Tj ET Q q 0 0 0 rg BT 330.52 384.25 Td (new ) Tj ET Q q 0 0 0 rg BT 349.68 384.25 Td (premises ) Tj ET Q q 0 0 0 rg BT 387.72 384.25 Td (and ) Tj ET Q q 0 0 0 rg BT 404.66 384.25 Td (equipment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 372.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 360.25 Td (The ) Tj ET Q q 0 0 0 rg BT 102.71 360.25 Td (following ) Tj ET Q q 0 0 0 rg BT 143.26 360.25 Td (table ) Tj ET Q q 0 0 0 rg BT 164.36 360.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 213.79 360.25 Td (our ) Tj ET Q q 0 0 0 rg BT 228.79 360.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 272.66 360.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 318.75 360.25 Td (obligations ) Tj ET Q q 0 0 0 rg BT 364.86 360.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.96 360.25 Td (other ) Tj ET Q q 0 0 0 rg BT 403.17 360.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 439.83 360.25 Td (funding ) Tj ET Q q 0 0 0 rg BT 472.60 360.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 497.03 360.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 360.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 348.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 348.25 Td ( ) Tj ET Q q 0 0 0 rg BT 72.00 348.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 85.61 348.25 Td (thousands\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 336.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 305.75 220.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 305.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 305.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 305.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 305.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 305.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.00 305.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 305.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 305.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 305.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 305.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 267.75 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 267.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 267.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 267.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 267.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 267.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.00 267.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 267.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 267.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 267.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 267.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 239.75 220.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 239.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 239.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 239.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 239.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 239.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.00 239.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 239.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 239.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 239.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 239.75 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 211.75 220.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.00 211.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 274.00 211.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 327.00 211.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.00 211.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.00 211.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.00 211.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.00 211.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.00 211.75 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.00 211.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.00 211.75 53.00 -24.00 re f /GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50 305.75 m 270 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 305.75 m 327 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 305.75 m 384 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 305.75 m 441 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 305.75 m 498 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 305.75 m 555 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 305.75 m 327 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 305.75 m 384 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 305.75 m 441 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 305.75 m 498 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 305.75 m 555 305.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 225.75 m 327 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 225.75 m 384 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 225.75 m 441 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 225.75 m 498 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 225.75 m 555 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 225.75 m 327 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 212.75 m 327 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 274 210.75 m 327 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 225.75 m 384 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 212.75 m 384 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331 210.75 m 384 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 225.75 m 441 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 212.75 m 441 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388 210.75 m 441 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 225.75 m 498 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 212.75 m 498 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 445 210.75 m 498 210.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 225.75 m 555 225.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 212.75 m 555 212.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502 210.75 m 555 210.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 52.50 309.98 Td (ContractualObligations) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 291.25 309.98 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.65 317.83 Td (Lessthan1) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 349.05 309.83 Td (Y) Tj ET Q q 0 0 0 rg BT 353.94 309.83 Td (ear) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 396.25 309.98 Td (1-3Years) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 453.25 309.98 Td (3-5Years) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 506.95 317.83 Td (Mor) Tj ET Q q 0 0 0 rg BT 521.91 317.83 Td (ethan5) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 518.40 309.83 Td (Y) Tj ET Q q 0 0 0 rg BT 523.29 309.83 Td (ears) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 286.42 Td (Time certificates) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.50 286.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 286.42 Td (2,023,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 286.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.10 286.42 Td (1,224,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.50 286.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.60 286.42 Td (591,694) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.50 286.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.60 286.42 Td (196,007) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 286.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.65 286.42 Td (10,962) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 272.32 Td (Long-term borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.60 272.32 Td (311,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.60 272.32 Td (109,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.60 272.32 Td (190,470) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 272.32 Td (7,898) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.65 272.32 Td (3,912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 258.32 Td (Junior subordinated notes issued to capital trusts ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 248.86 262.85 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 290.60 258.32 Td (210,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 370.15 258.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.15 258.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 258.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 258.32 Td (210,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 244.32 Td (Operating leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.65 244.32 Td (65,884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.65 244.32 Td (11,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.65 244.32 Td (19,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.65 244.32 Td (11,070) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.65 244.32 Td (22,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 230.32 Td (Capital expenditures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.65 230.32 Td (3,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.65 230.32 Td (3,522) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.15 230.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.15 230.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.15 230.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 216.32 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.50 216.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 216.32 Td (2,615,147) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.50 216.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.10 216.32 Td (1,349,624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.50 216.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.60 216.32 Td (802,123) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.50 216.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.60 216.32 Td (214,975) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.50 216.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.60 216.32 Td (248,425) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 192.42 Td (Commitments to extend credit and letters of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.50 192.42 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.10 192.42 Td (4,101,690) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 380.50 190.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 437.50 190.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 494.50 190.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 551.50 190.51 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 176.25 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 67.50 169.53 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 165.45 Td (May ) Tj ET Q q 0 0 0 rg BT 104.07 165.45 Td (be ) Tj ET Q q 0 0 0 rg BT 114.64 165.45 Td (called ) Tj ET Q q 0 0 0 rg BT 138.19 165.45 Td (for ) Tj ET Q q 0 0 0 rg BT 150.76 165.45 Td (redemption ) Tj ET Q q 0 0 0 rg BT 193.82 165.45 Td (by ) Tj ET Q q 0 0 0 rg BT 204.89 165.45 Td (us ) Tj ET Q q 0 0 0 rg BT 214.97 165.45 Td (at ) Tj ET Q q 0 0 0 rg BT 223.53 165.45 Td (any ) Tj ET Q q 0 0 0 rg BT 238.60 165.45 Td (time. ) Tj ET Q q 0 0 0 rg BT 258.92 165.45 Td ( ) Tj ET Q q 0 0 0 rg BT 260.99 165.45 Td (See ) Tj ET Q q 0 0 0 rg BT 276.06 165.45 Td (Note ) Tj ET Q q 0 0 0 rg BT 295.63 165.45 Td (12 ) Tj ET Q q 0 0 0 rg BT 306.70 165.45 Td (to ) Tj ET Q q 0 0 0 rg BT 315.77 165.45 Td (the ) Tj ET Q q 0 0 0 rg BT 328.84 165.45 Td (audited ) Tj ET Q q 0 0 0 rg BT 357.40 165.45 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 404.96 165.45 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.52 165.45 Td (statements ) Tj ET Q q 0 0 0 rg BT 478.58 165.45 Td (under ) Tj ET Q q 0 0 0 rg BT 501.14 165.45 Td (Item ) Tj ET Q q 0 0 0 rg BT 519.71 165.45 Td (8. ) Tj ET Q q 0 0 0 rg BT 528.53 165.45 Td (Financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 85.50 154.65 Td (Statements ) Tj ET Q q 0 0 0 rg BT 127.24 154.65 Td (and ) Tj ET Q q 0 0 0 rg BT 142.49 154.65 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 199.23 154.65 Td (Data.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 130.65 Td (Capital Resour) Tj ET Q q 0 0 0 rg BT 114.04 130.65 Td (ces) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 118.65 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 106.65 Td (The ) Tj ET Q q 0 0 0 rg BT 104.48 106.65 Td (Company ) Tj ET Q q 0 0 0 rg BT 146.79 106.65 Td (and ) Tj ET Q q 0 0 0 rg BT 164.66 106.65 Td (MB ) Tj ET Q q 0 0 0 rg BT 183.65 106.65 Td (Financial ) Tj ET Q q 0 0 0 rg BT 224.29 106.65 Td (Bank ) Tj ET Q q 0 0 0 rg BT 248.83 106.65 Td (are ) Tj ET Q q 0 0 0 rg BT 264.47 106.65 Td (subject ) Tj ET Q q 0 0 0 rg BT 296.22 106.65 Td (to ) Tj ET Q q 0 0 0 rg BT 307.43 106.65 Td (the ) Tj ET Q q 0 0 0 rg BT 323.07 106.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 341.50 106.65 Td (based ) Tj ET Q q 0 0 0 rg BT 367.70 106.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 397.78 106.65 Td (regulations ) Tj ET Q q 0 0 0 rg BT 445.64 106.65 Td (administered ) Tj ET Q q 0 0 0 rg BT 500.72 106.65 Td (by ) Tj ET Q q 0 0 0 rg BT 514.15 106.65 Td (the ) Tj ET Q q 0 0 0 rg BT 529.80 106.65 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 94.65 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 93.76 94.65 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 136.12 94.65 Td (The ) Tj ET Q q 0 0 0 rg BT 154.84 94.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 173.01 94.65 Td (based ) Tj ET Q q 0 0 0 rg BT 198.94 94.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 228.76 94.65 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 273.03 94.65 Td (are ) Tj ET Q q 0 0 0 rg BT 288.41 94.65 Td (designed ) Tj ET Q q 0 0 0 rg BT 327.12 94.65 Td (to ) Tj ET Q q 0 0 0 rg BT 338.07 94.65 Td (make ) Tj ET Q q 0 0 0 rg BT 362.89 94.65 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 407.15 94.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 436.97 94.65 Td (requirements ) Tj ET Q q 0 0 0 rg BT 492.34 94.65 Td (more ) Tj ET Q q 0 0 0 rg BT 516.06 94.65 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 554.22 94.65 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 82.65 Td (dif) Tj ET Q q 0 0 0 rg BT 60.43 82.65 Td (ferences ) Tj ET Q q 0 0 0 rg BT 95.94 82.65 Td (in ) Tj ET Q q 0 0 0 rg BT 105.92 82.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 123.13 82.65 Td (profiles ) Tj ET Q q 0 0 0 rg BT 155.88 82.65 Td (among ) Tj ET Q q 0 0 0 rg BT 185.31 82.65 Td (bank ) Tj ET Q q 0 0 0 rg BT 206.95 82.65 Td (holding ) Tj ET Q q 0 0 0 rg BT 239.71 82.65 Td (companies ) Tj ET Q q 0 0 0 rg BT 284.68 82.65 Td (and ) Tj ET Q q 0 0 0 rg BT 301.33 82.65 Td (banks, ) Tj ET Q q 0 0 0 rg BT 329.36 82.65 Td (to ) Tj ET Q q 0 0 0 rg BT 339.35 82.65 Td (account ) Tj ET Q q 0 0 0 rg BT 372.65 82.65 Td (for ) Tj ET Q q 0 0 0 rg BT 386.51 82.65 Td (of) Tj ET Q q 0 0 0 rg BT 394.66 82.65 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 434.06 82.65 Td (sheet ) Tj ET Q q 0 0 0 rg BT 456.81 82.65 Td (exposure, ) Tj ET Q q 0 0 0 rg BT 497.62 82.65 Td (and ) Tj ET Q q 0 0 0 rg BT 514.26 82.65 Td (to ) Tj ET Q q 0 0 0 rg BT 524.25 82.65 Td (minimize ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 70.65 Td (disincentives ) Tj ET Q q 0 0 0 rg BT 105.52 70.65 Td (for ) Tj ET Q q 0 0 0 rg BT 120.99 70.65 Td (holding ) Tj ET Q q 0 0 0 rg BT 155.36 70.65 Td (liquid ) Tj ET Q q 0 0 0 rg BT 182.50 70.65 Td (assets. ) Tj ET Q q 0 0 0 rg BT 214.64 70.65 Td (Under ) Tj ET Q q 0 0 0 rg BT 243.44 70.65 Td (the ) Tj ET Q q 0 0 0 rg BT 259.46 70.65 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 310.21 70.65 Td (assets ) Tj ET Q q 0 0 0 rg BT 337.35 70.65 Td (and ) Tj ET Q q 0 0 0 rg BT 355.59 70.65 Td (of) Tj ET Q q 0 0 0 rg BT 363.74 70.65 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 404.74 70.65 Td (sheet ) Tj ET Q q 0 0 0 rg BT 429.10 70.65 Td (items ) Tj ET Q q 0 0 0 rg BT 454.57 70.65 Td (are ) Tj ET Q q 0 0 0 rg BT 470.59 70.65 Td (assigned ) Tj ET Q q 0 0 0 rg BT 508.84 70.65 Td (to ) Tj ET Q q 0 0 0 rg BT 520.43 70.65 Td (broad ) Tj ET Q q 0 0 0 rg BT 547.00 70.65 Td (risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 58.65 Td (categories, ) Tj ET Q q 0 0 0 rg BT 94.31 58.65 Td (each ) Tj ET Q q 0 0 0 rg BT 114.41 58.65 Td (with ) Tj ET Q q 0 0 0 rg BT 133.96 58.65 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 181.27 58.65 Td (weights. ) Tj ET Q q 0 0 0 rg BT 219.03 58.65 Td (The ) Tj ET Q q 0 0 0 rg BT 236.36 58.65 Td (resulting ) Tj ET Q q 0 0 0 rg BT 273.13 58.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 301.56 58.65 Td (ratios ) Tj ET Q q 0 0 0 rg BT 325.56 58.65 Td (represent ) Tj ET Q q 0 0 0 rg BT 363.98 58.65 Td (capital ) Tj ET Q q 0 0 0 rg BT 392.41 58.65 Td (as ) Tj ET Q q 0 0 0 rg BT 402.52 58.65 Td (a ) Tj ET Q q 0 0 0 rg BT 408.74 58.65 Td (percentage ) Tj ET Q q 0 0 0 rg BT 453.82 58.65 Td (of ) Tj ET Q q 0 0 0 rg BT 463.92 58.65 Td (total ) Tj ET Q q 0 0 0 rg BT 483.48 58.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 500.26 58.65 Td (weighted ) Tj ET Q q 0 0 0 rg BT 538.69 58.65 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 46.65 Td (and ) Tj ET Q q 0 0 0 rg BT 66.64 46.65 Td (of) Tj ET Q q 0 0 0 rg BT 74.79 46.65 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 114.68 46.65 Td (sheet ) Tj ET Q q 0 0 0 rg BT 137.93 46.65 Td (items. ) Tj ET Q q 0 0 0 rg BT 167.30 46.65 Td (Under ) Tj ET Q q 0 0 0 rg BT 194.99 46.65 Td (the ) Tj ET Q q 0 0 0 rg BT 209.91 46.65 Td (prompt ) Tj ET Q q 0 0 0 rg BT 241.50 46.65 Td (corrective ) Tj ET Q q 0 0 0 rg BT 284.17 46.65 Td (action ) Tj ET Q q 0 0 0 rg BT 311.31 46.65 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 360.94 46.65 Td (to ) Tj ET Q q 0 0 0 rg BT 371.42 46.65 Td (be ) Tj ET Q q 0 0 0 rg BT 383.56 46.65 Td (adequately ) Tj ET Q q 0 0 0 rg BT 429.57 46.65 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 475.58 46.65 Td (a ) Tj ET Q q 0 0 0 rg BT 482.72 46.65 Td (bank ) Tj ET Q q 0 0 0 rg BT 504.86 46.65 Td (must ) Tj ET Q q 0 0 0 rg BT 527.01 46.65 Td (maintain ) Tj ET Q endstream endobj 125 0 obj <> endobj 126 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 742.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.76 742.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 115.35 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 126.05 742.10 Td (total ) Tj ET Q q 0 0 0 rg BT 146.19 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 175.22 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.36 742.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 242.72 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 268.42 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.12 742.10 Td (8.00%, ) Tj ET Q q 0 0 0 rg BT 309.65 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 315.41 742.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 328.33 742.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 335.70 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 364.72 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 374.87 742.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 432.22 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 457.92 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 468.62 742.10 Td (6.00%, ) Tj ET Q q 0 0 0 rg BT 499.15 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 504.91 742.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 517.83 742.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 525.20 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 554.22 742.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (total ) Tj ET Q q 0 0 0 rg BT 71.20 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 98.46 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 110.71 730.10 Td (4.00% ) Tj ET Q q 0 0 0 rg BT 142.97 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 161.33 730.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 202.48 730.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 232.79 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 238.55 730.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 253.02 730.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 261.95 730.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 294.75 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.46 730.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 365.37 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 392.62 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 404.88 730.10 Td (4.50%. ) Tj ET Q q 0 0 0 rg BT 437.14 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.56 730.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 475.81 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.52 730.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 510.88 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 535.35 730.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 104.99 718.10 Td (can ) Tj ET Q q 0 0 0 rg BT 122.16 718.10 Td (initiate ) Tj ET Q q 0 0 0 rg BT 153.23 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 183.72 718.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 229.78 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.51 718.10 Td (possibly ) Tj ET Q q 0 0 0 rg BT 284.14 718.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 327.42 718.10 Td (discretionary) Tj ET Q q 0 0 0 rg BT 378.97 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 384.77 718.10 Td (actions ) Tj ET Q q 0 0 0 rg BT 416.38 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 429.68 718.10 Td (regulators, ) Tj ET Q q 0 0 0 rg BT 475.46 718.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 505.69 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 515.09 718.10 Td (undertaken, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 706.10 Td (could ) Tj ET Q q 0 0 0 rg BT 73.78 706.10 Td (have ) Tj ET Q q 0 0 0 rg BT 94.71 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 101.21 706.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 126.04 706.10 Td (material ) Tj ET Q q 0 0 0 rg BT 160.86 706.10 Td (ef) Tj ET Q q 0 0 0 rg BT 168.45 706.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 185.49 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 197.55 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 211.83 706.10 Td (bank) Tj ET Q q 0 0 0 rg BT 234.05 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 240.00 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 277.04 706.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 325.86 706.10 Td (As ) Tj ET Q q 0 0 0 rg BT 339.03 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.42 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 407.57 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.57 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 432.13 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.40 706.10 Td (most ) Tj ET Q q 0 0 0 rg BT 467.91 706.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 494.40 706.10 Td (notification ) Tj ET Q q 0 0 0 rg BT 542.56 706.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 694.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 94.47 694.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 129.19 694.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 171.67 694.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 220.25 694.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 238.31 694.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 278.03 694.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 301.63 694.10 Td (as ) Tj ET Q q 0 0 0 rg BT 312.46 694.10 Td (well ) Tj ET Q q 0 0 0 rg BT 332.18 694.10 Td (capitalized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 682.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 90.91 670.10 Td (o ) Tj ET Q q 0 0 0 rg BT 98.19 670.10 Td (be ) Tj ET Q q 0 0 0 rg BT 109.90 670.10 Td (well ) Tj ET Q q 0 0 0 rg BT 129.40 670.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 174.98 670.10 Td (under ) Tj ET Q q 0 0 0 rg BT 200.02 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.52 670.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 245.68 670.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 287.93 670.10 Td (action ) Tj ET Q q 0 0 0 rg BT 314.64 670.10 Td (regulations, ) Tj ET Q q 0 0 0 rg BT 363.85 670.10 Td (an ) Tj ET Q q 0 0 0 rg BT 375.56 670.10 Td (institution ) Tj ET Q q 0 0 0 rg BT 418.40 670.10 Td (must ) Tj ET Q q 0 0 0 rg BT 440.13 670.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 477.40 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.11 670.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 504.71 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 515.32 670.10 Td (total ) Tj ET Q q 0 0 0 rg BT 535.37 670.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.45 658.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 116.61 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 142.11 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.61 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 162.00 658.10 Td (least ) Tj ET Q q 0 0 0 rg BT 182.50 658.10 Td (10.00%, ) Tj ET Q q 0 0 0 rg BT 218.00 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.61 658.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 245.11 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.45 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 261.21 658.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 273.93 658.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 281.10 658.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 309.92 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 319.87 658.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 337.04 658.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 375.87 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 401.37 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 411.87 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 421.26 658.10 Td (least ) Tj ET Q q 0 0 0 rg BT 441.76 658.10 Td (8.00%, ) Tj ET Q q 0 0 0 rg BT 472.26 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 478.87 658.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 499.37 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.71 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 515.47 658.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 528.19 658.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 535.36 658.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.35 646.10 Td (total ) Tj ET Q q 0 0 0 rg BT 81.20 646.10 Td (average ) Tj ET Q q 0 0 0 rg BT 115.36 646.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 141.77 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.17 646.10 Td (at ) Tj ET Q q 0 0 0 rg BT 163.46 646.10 Td (least ) Tj ET Q q 0 0 0 rg BT 184.86 646.10 Td (5.00%, ) Tj ET Q q 0 0 0 rg BT 216.27 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 223.78 646.10 Td (ratio ) Tj ET Q q 0 0 0 rg BT 245.18 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 256.59 646.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 296.89 646.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 326.41 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 332.17 646.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 345.79 646.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 353.86 646.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 383.59 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.44 646.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 452.50 646.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 478.91 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.31 646.10 Td (6.50% ) Tj ET Q q 0 0 0 rg BT 519.22 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 536.73 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 552.58 646.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 79.69 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 89.32 634.10 Td (any ) Tj ET Q q 0 0 0 rg BT 105.62 634.10 Td (written ) Tj ET Q q 0 0 0 rg BT 135.81 634.10 Td (order) Tj ET Q q 0 0 0 rg BT 156.51 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 160.87 634.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 204.37 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 214.56 634.10 Td (directive ) Tj ET Q q 0 0 0 rg BT 251.40 634.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 289.92 634.10 Td (it ) Tj ET Q q 0 0 0 rg BT 297.33 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 306.97 634.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 328.26 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 338.46 634.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 375.31 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 381.60 634.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 414.56 634.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 443.07 634.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 469.23 634.10 Td (There ) Tj ET Q q 0 0 0 rg BT 494.40 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 508.47 634.10 Td (no ) Tj ET Q q 0 0 0 rg BT 520.33 634.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.57 622.10 Td (events ) Tj ET Q q 0 0 0 rg BT 88.85 622.10 Td (since ) Tj ET Q q 0 0 0 rg BT 112.13 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 129.87 622.10 Td (notification ) Tj ET Q q 0 0 0 rg BT 178.70 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 196.43 622.10 Td (management ) Tj ET Q q 0 0 0 rg BT 250.26 622.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 285.76 622.10 Td (have ) Tj ET Q q 0 0 0 rg BT 307.37 622.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 343.43 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 359.49 622.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 381.67 622.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 425.55 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 432.18 622.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 461.57 622.10 Td (classification. ) Tj ET Q q 0 0 0 rg BT 522.07 622.10 Td (See ) Tj ET Q q 0 0 0 rg BT 539.24 622.10 Td (Item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 60.66 610.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 99.88 610.10 Td (- ) Tj ET Q q 0 0 0 rg BT 106.87 610.10 Td (Supervision ) Tj ET Q q 0 0 0 rg BT 158.31 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 176.41 610.10 Td (Regulation ) Tj ET Q q 0 0 0 rg BT 223.95 610.10 Td (- ) Tj ET Q q 0 0 0 rg BT 230.94 610.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 262.67 610.10 Td (Adequacy) Tj ET Q q 0 0 0 rg BT 302.56 610.10 Td (, ) Tj ET Q q 0 0 0 rg BT 313.16 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.26 610.10 Td (--Prompt ) Tj ET Q q 0 0 0 rg BT 375.46 610.10 Td (Corrective ) Tj ET Q q 0 0 0 rg BT 420.52 610.10 Td (Action ) Tj ET Q q 0 0 0 rg BT 455.83 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 471.15 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 514.80 610.10 Td (information ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 89.91 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.23 598.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 147.42 598.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 176.17 598.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 230.47 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.35 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 266.89 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.20 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 322.19 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 338.72 598.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 356.38 598.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 395.69 598.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 418.90 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 433.21 598.10 Td (subject. ) Tj ET Q q 0 0 0 rg BT 466.13 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 468.23 598.10 Td (In ) Tj ET Q q 0 0 0 rg BT 478.66 598.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 516.03 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 531.46 598.10 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 76.47 586.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 110.66 586.10 Td (us, ) Tj ET Q q 0 0 0 rg BT 124.02 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 136.00 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 142.42 586.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 194.93 586.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 219.41 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.17 586.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 266.13 586.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 290.33 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.63 586.10 Td (total ) Tj ET Q q 0 0 0 rg BT 320.38 586.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 349.01 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.76 586.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 415.73 586.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 443.39 586.10 Td (T) Tj ET Q q 0 0 0 rg BT 449.15 586.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 461.67 586.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 468.65 586.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 497.27 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.03 586.10 Td (risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 574.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 77.55 574.10 Td (Common ) Tj ET Q q 0 0 0 rg BT 116.99 574.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 145.71 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 151.47 574.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 164.23 574.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 171.44 574.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 200.31 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.30 574.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 267.51 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 293.05 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 309.55 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 315.30 574.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 328.07 574.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 335.28 574.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 364.15 574.10 Td (to ) Tj ET Q q 0 0 0 rg BT 374.14 574.10 Td (total ) Tj ET Q q 0 0 0 rg BT 394.13 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 419.68 574.10 Td (at ) Tj ET Q q 0 0 0 rg BT 429.11 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 439.66 574.10 Td (above ) Tj ET Q q 0 0 0 rg BT 465.75 574.10 Td (1) Tj ET Q q 0 0 0 rg BT 470.38 574.10 Td (1%, ) Tj ET Q q 0 0 0 rg BT 488.42 574.10 Td (9%, ) Tj ET Q q 0 0 0 rg BT 506.47 574.10 Td (7.5% ) Tj ET Q q 0 0 0 rg BT 529.51 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 546.17 574.10 Td (7%, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.16 562.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 550.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 538.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.31 538.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.33 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.10 538.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.10 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 194.29 538.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 212.55 538.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 252.45 538.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 276.25 538.10 Td (was ) Tj ET Q q 0 0 0 rg BT 294.50 538.10 Td (well ) Tj ET Q q 0 0 0 rg BT 318.84 538.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 369.28 538.10 Td (under ) Tj ET Q q 0 0 0 rg BT 394.74 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.65 538.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 438.99 538.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 479.44 538.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 534.33 538.10 Td (then ) Tj ET Q q 0 0 0 rg BT 554.24 538.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.09 526.10 Td (fect. ) Tj ET Q q 0 0 0 rg BT 79.27 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 97.19 526.10 Td (following ) Tj ET Q q 0 0 0 rg BT 138.45 526.10 Td (table ) Tj ET Q q 0 0 0 rg BT 160.26 526.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 177.63 526.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 199.45 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.04 526.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 240.28 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 257.09 526.10 Td (required ) Tj ET Q q 0 0 0 rg BT 292.78 526.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 336.25 526.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 365.27 526.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 401.53 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 418.34 526.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 442.93 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 456.97 526.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 474.90 526.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 514.48 526.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 537.97 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 554.78 526.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.22 514.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 117.26 514.10 Td (level ) Tj ET Q q 0 0 0 rg BT 139.19 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 150.02 514.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.85 514.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 219.44 514.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.44 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.94 514.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 274.98 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 285.26 514.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 427.60 146.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 427.60 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 427.60 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 427.60 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 427.60 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 427.60 53.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 427.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 427.60 61.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 389.60 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 389.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 389.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 389.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 389.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 389.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 389.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 389.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 351.60 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 351.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 351.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 351.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 351.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 351.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 351.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 351.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 323.60 146.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 323.60 53.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 323.60 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 323.60 53.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 323.60 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 323.60 53.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 323.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 323.60 61.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 284.60 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 284.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 284.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 284.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 284.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 284.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 284.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 284.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.00 256.60 146.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 196.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 200.00 256.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 257.00 256.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 318.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 322.00 256.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 375.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.00 256.60 61.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 440.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.00 256.60 53.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.00 256.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 501.00 256.60 61.00 -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 200 439.6 m 253 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 253 439.6 m 257 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257 439.6 m 318 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322 439.6 m 375 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 375 439.6 m 379 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 439.6 m 440 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 439.6 m 497 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497 439.6 m 501 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501 439.6 m 562 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 200 427.6 m 253 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257 439.6 m 318 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 257 427.6 m 318 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 322 427.6 m 375 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379 427.6 m 440 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444 427.6 m 497 427.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501 439.6 m 562 439.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 501 427.6 m 562 427.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.55 483.68 Td (Requir) Tj ET Q q 0 0 0 rg BT 510.41 483.68 Td (ed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 484.05 475.68 Td (T) Tj ET Q q 0 0 0 rg BT 488.65 475.68 Td (oBe) Tj ET Q q 0 0 0 rg BT 505.39 475.68 Td (W) Tj ET Q q 0 0 0 rg BT 512.95 475.68 Td (ell) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.55 463.68 Td (Requir) Tj ET Q q 0 0 0 rg BT 388.41 463.68 Td (ed) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.65 455.68 Td (For) Tj ET Q q 0 0 0 rg BT 372.94 455.68 Td (Capital) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 471.10 463.68 Td (CapitalizedUnder) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.30 455.68 Td (Pr) Tj ET Q q 0 0 0 rg BT 478.59 455.68 Td (omptCorr) Tj ET Q q 0 0 0 rg BT 515.10 455.68 Td (ective) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 442.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 247.15 443.68 Td (Actual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 346.80 443.68 Td (AdequacyPurposes) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.45 443.68 Td (ActionProvisions) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 52.50 430.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.95 431.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.65 431.68 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.95 431.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 399.65 431.68 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 455.95 431.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.65 431.68 Td (Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 418.17 Td (Total capital \(to risk-weighted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 408.17 Td (assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 249.50 406.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 314.50 406.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 371.50 406.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 436.50 406.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 493.50 406.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 406.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 394.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 394.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 394.17 Td (1,878,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.65 394.17 Td (11.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 394.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.50 394.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.10 394.17 Td (1,292,159) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 394.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 394.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 394.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.80 394.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 380.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 380.17 Td (1,812,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.65 380.17 Td (11.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.10 380.17 Td (1,287,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 380.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 380.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.10 380.17 Td (1,608,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.65 380.17 Td (10.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 380.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 366.17 Td (Tier 1 capital \(to risk-weighted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 356.17 Td (assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 249.50 354.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 314.50 354.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 371.50 354.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 436.50 354.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 493.50 354.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 354.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 342.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 342.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 342.17 Td (1,518,472) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 342.17 Td (9.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 342.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.50 342.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 342.17 Td (969,119) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 342.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 342.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 342.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.80 342.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 328.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 328.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.65 328.17 Td (10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 328.17 Td (965,324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 328.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 328.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.10 328.17 Td (1,287,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 328.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 328.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 313.27 Td (Common equity tier 1 capital \(to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 303.27 Td (risk-weighted assets\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 289.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 289.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 289.17 Td (1,408,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 289.17 Td (8.72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 289.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.50 289.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 289.17 Td (726,839) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 289.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 289.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 289.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.80 289.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 275.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 275.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.65 275.17 Td (10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 275.17 Td (723,993) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 275.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 275.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.10 275.17 Td (1,045,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 275.17 Td (6.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 275.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.50 261.17 Td (Tier 1 capital \(to average assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 249.50 259.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 314.50 259.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 371.50 259.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 436.50 259.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 493.50 259.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.50 259.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 247.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.50 247.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 247.17 Td (1,518,472) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 247.17 Td (8.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.15 247.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.50 247.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 247.17 Td (724,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 247.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.15 247.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.80 247.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.80 247.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 58.50 233.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.10 233.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.65 233.17 Td (9.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.60 233.17 Td (721,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.65 233.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.50 233.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.60 233.17 Td (902,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.65 233.17 Td (5.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.15 233.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 217.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 205.10 Td (N/A) Tj ET Q q 0 0 0 rg BT 66.17 205.10 Td ( not applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 181.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 181.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.94 181.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 145.72 181.10 Td (and ) Tj ET Q q 0 0 0 rg BT 163.05 181.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.16 181.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 202.16 181.10 Td (must ) Tj ET Q q 0 0 0 rg BT 224.50 181.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 262.38 181.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.71 181.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 299.25 181.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 353.24 181.10 Td (buf) Tj ET Q q 0 0 0 rg BT 366.39 181.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 380.38 181.10 Td (consisting ) Tj ET Q q 0 0 0 rg BT 423.83 181.10 Td (of ) Tj ET Q q 0 0 0 rg BT 435.05 181.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 477.93 181.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 504.71 181.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 534.25 181.10 Td (greater ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 169.10 Td (than ) Tj ET Q q 0 0 0 rg BT 69.47 169.10 Td (2.5% ) Tj ET Q q 0 0 0 rg BT 93.05 169.10 Td (of ) Tj ET Q q 0 0 0 rg BT 104.14 169.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 161.88 169.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 187.96 169.10 Td (above ) Tj ET Q q 0 0 0 rg BT 214.59 169.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.56 169.10 Td (required ) Tj ET Q q 0 0 0 rg BT 265.63 169.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 307.28 169.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 351.13 169.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 380.54 169.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 406.61 169.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.15 169.10 Td (order ) Tj ET Q q 0 0 0 rg BT 441.00 169.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.53 169.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 476.50 169.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 522.03 169.10 Td (on ) Tj ET Q q 0 0 0 rg BT 534.79 169.10 Td (paying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 157.10 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 92.64 157.10 Td (repurchasing ) Tj ET Q q 0 0 0 rg BT 146.04 157.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 175.29 157.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.48 157.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 220.45 157.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 274.41 157.10 Td (bonuses. ) Tj ET Q q 0 0 0 rg BT 313.26 157.10 Td (The ) Tj ET Q q 0 0 0 rg BT 330.56 157.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 358.96 157.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 411.81 157.10 Td (buf) Tj ET Q q 0 0 0 rg BT 424.96 157.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 437.81 157.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 487.88 157.10 Td (began ) Tj ET Q q 0 0 0 rg BT 513.51 157.10 Td (to ) Tj ET Q q 0 0 0 rg BT 523.04 157.10 Td (be ) Tj ET Q q 0 0 0 rg BT 534.23 157.10 Td (phased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 145.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.55 145.10 Td (on ) Tj ET Q q 0 0 0 rg BT 71.81 145.10 Td (January ) Tj ET Q q 0 0 0 rg BT 105.18 145.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 114.95 145.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 137.22 145.10 Td (when ) Tj ET Q q 0 0 0 rg BT 161.15 145.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.85 145.10 Td (buf) Tj ET Q q 0 0 0 rg BT 181.00 145.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 194.37 145.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 224.39 145.10 Td (than ) Tj ET Q q 0 0 0 rg BT 243.88 145.10 Td (0.625% ) Tj ET Q q 0 0 0 rg BT 276.97 145.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.57 145.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 344.82 145.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 370.42 145.10 Td (was ) Tj ET Q q 0 0 0 rg BT 388.24 145.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 426.33 145.10 Td (which ) Tj ET Q q 0 0 0 rg BT 453.03 145.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 485.30 145.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 524.21 145.10 Td (each ) Tj ET Q q 0 0 0 rg BT 544.79 145.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 133.10 Td (until ) Tj ET Q q 0 0 0 rg BT 70.61 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.59 133.10 Td (buf) Tj ET Q q 0 0 0 rg BT 98.74 133.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 112.61 133.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 163.69 133.10 Td (is ) Tj ET Q q 0 0 0 rg BT 173.14 133.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 194.79 133.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 249.77 133.10 Td (on ) Tj ET Q q 0 0 0 rg BT 262.54 133.10 Td (January ) Tj ET Q q 0 0 0 rg BT 296.41 133.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 306.68 133.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 331.95 133.10 Td ( ) Tj ET Q q 0 0 0 rg BT 334.52 133.10 Td (The ) Tj ET Q q 0 0 0 rg BT 352.84 133.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 406.71 133.10 Td (buf) Tj ET Q q 0 0 0 rg BT 419.86 133.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 437.62 133.10 Td (for ) Tj ET Q q 0 0 0 rg BT 452.05 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.04 133.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 508.69 133.10 Td (and ) Tj ET Q q 0 0 0 rg BT 525.90 133.10 Td (the ) Tj ET Q q 0 0 0 rg BT 540.89 133.10 Td (Bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 121.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 79.75 121.10 Td (the ) Tj ET Q q 0 0 0 rg BT 94.47 121.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 115.86 121.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 146.13 121.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.40 121.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 197.80 121.10 Td (as ) Tj ET Q q 0 0 0 rg BT 208.63 121.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.46 121.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 278.04 121.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.04 121.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 109.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 97.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.14 97.10 Td (e ) Tj ET Q q 0 0 0 rg BT 100.17 97.10 Td (established ) Tj ET Q q 0 0 0 rg BT 146.21 97.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 182.80 97.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 206.07 97.10 Td (for ) Tj ET Q q 0 0 0 rg BT 219.33 97.10 Td (the ) Tj ET Q q 0 0 0 rg BT 233.14 97.10 Td (sole ) Tj ET Q q 0 0 0 rg BT 250.85 97.10 Td (purpose ) Tj ET Q q 0 0 0 rg BT 284.11 97.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.03 97.10 Td (issuing ) Tj ET Q q 0 0 0 rg BT 323.97 97.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 343.35 97.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 381.58 97.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 420.94 97.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 97.10 Td (related ) Tj ET Q q 0 0 0 rg BT 465.78 97.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 485.16 97.10 Td (common ) Tj ET Q q 0 0 0 rg BT 521.75 97.10 Td (securities. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 85.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.26 85.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 87.26 85.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 126.11 85.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 166.09 85.10 Td (were ) Tj ET Q q 0 0 0 rg BT 187.73 85.10 Td (included ) Tj ET Q q 0 0 0 rg BT 224.38 85.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.38 85.10 Td (our ) Tj ET Q q 0 0 0 rg BT 249.92 85.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 302.52 85.10 Td (T) Tj ET Q q 0 0 0 rg BT 308.28 85.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 321.04 85.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 328.25 85.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 357.12 85.10 Td (and ) Tj ET Q q 0 0 0 rg BT 373.78 85.10 Td (total ) Tj ET Q q 0 0 0 rg BT 393.76 85.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 422.63 85.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.06 85.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 490.36 85.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.36 85.10 Td (. ) Tj ET Q q 0 0 0 rg BT 517.58 85.10 Td (Prior ) Tj ET Q q 0 0 0 rg BT 539.79 85.10 Td (to ) Tj ET Q q 0 0 0 rg BT 549.79 85.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 73.10 Td (completion ) Tj ET Q q 0 0 0 rg BT 96.99 73.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.82 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.99 73.10 Td (American ) Tj ET Q q 0 0 0 rg BT 163.91 73.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 205.83 73.10 Td (mer) Tj ET Q q 0 0 0 rg BT 221.20 73.10 Td (ger) Tj ET Q q 0 0 0 rg BT 233.57 73.10 Td (, ) Tj ET Q q 0 0 0 rg BT 238.57 73.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.28 73.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 273.56 73.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 312.70 73.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 352.96 73.10 Td (were ) Tj ET Q q 0 0 0 rg BT 374.89 73.10 Td (included ) Tj ET Q q 0 0 0 rg BT 411.82 73.10 Td (in ) Tj ET Q q 0 0 0 rg BT 422.10 73.10 Td (our ) Tj ET Q q 0 0 0 rg BT 437.93 73.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 490.79 73.10 Td (T) Tj ET Q q 0 0 0 rg BT 496.55 73.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 509.60 73.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 517.10 73.10 Td (capital.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 61.10 Td () Tj ET Q endstream endobj 127 0 obj <> endobj 128 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 742.10 Td (As ) Tj ET Q q 0 0 0 rg BT 99.55 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.81 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.82 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.82 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 195.26 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 209.85 742.10 Td (had ) Tj ET Q q 0 0 0 rg BT 227.22 742.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.91 742.10 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 308.34 742.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.23 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.17 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 350.88 742.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 380.46 742.10 Td (expenditure ) Tj ET Q q 0 0 0 rg BT 430.59 742.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 487.96 742.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 537.56 742.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 730.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 74.33 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.74 730.10 Td (various ) Tj ET Q q 0 0 0 rg BT 116.81 730.10 Td (projects ) Tj ET Q q 0 0 0 rg BT 151.10 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 161.51 730.10 Td (renovate ) Tj ET Q q 0 0 0 rg BT 198.56 730.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 238.95 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 247.10 730.10 Td (fice ) Tj ET Q q 0 0 0 rg BT 264.71 730.10 Td (space ) Tj ET Q q 0 0 0 rg BT 289.55 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.62 730.10 Td (branches. ) Tj ET Q q 0 0 0 rg BT 349.60 730.10 Td (W) Tj ET Q q 0 0 0 rg BT 358.23 730.10 Td (e ) Tj ET Q q 0 0 0 rg BT 365.30 730.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 394.03 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 404.44 730.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 421.51 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 436.35 730.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 485.65 730.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 542.72 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.68 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.08 718.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 130.58 718.10 Td (through ) Tj ET Q q 0 0 0 rg BT 164.19 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.91 718.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 209.73 718.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 230.00 718.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 254.72 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.55 718.10 Td (our ) Tj ET Q q 0 0 0 rg BT 281.38 718.10 Td (business ) Tj ET Q q 0 0 0 rg BT 317.78 718.10 Td (operations.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 694.10 Td (Statement ) Tj ET Q q 0 0 0 rg BT 95.32 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.15 694.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 130.33 694.10 Td (Flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 682.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 670.10 Td (Operating ) Tj ET Q q 0 0 0 rg BT 95.53 670.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.52 670.10 Td (. ) Tj ET Q q 0 0 0 rg BT 143.28 670.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 166.03 670.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 191.01 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 213.21 670.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 253.73 670.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 292.58 670.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 332.55 670.10 Td (include ) Tj ET Q q 0 0 0 rg BT 364.74 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 379.71 670.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 414.40 670.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 450.48 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 464.90 670.10 Td (items ) Tj ET Q q 0 0 0 rg BT 489.32 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 499.86 670.10 Td (net ) Tj ET Q q 0 0 0 rg BT 514.83 670.10 Td (income ) Tj ET Q q 0 0 0 rg BT 547.02 670.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 658.10 Td (did ) Tj ET Q q 0 0 0 rg BT 64.56 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 79.63 658.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 109.12 658.10 Td (cash. ) Tj ET Q q 0 0 0 rg BT 134.18 658.10 Td (For ) Tj ET Q q 0 0 0 rg BT 150.35 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.86 658.10 Td (year ) Tj ET Q q 0 0 0 rg BT 184.35 658.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 210.51 658.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.88 658.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.88 658.10 Td (, ) Tj ET Q q 0 0 0 rg BT 293.67 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 308.17 658.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 349.34 658.10 Td (had ) Tj ET Q q 0 0 0 rg BT 366.06 658.10 Td (net ) Tj ET Q q 0 0 0 rg BT 380.56 658.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 400.62 658.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.13 658.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 462.96 658.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.96 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.24 658.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 515.29 658.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 553.67 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 646.10 Td ($251.6 ) Tj ET Q q 0 0 0 rg BT 79.86 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 108.75 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.62 646.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 153.90 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.54 646.10 Td (net ) Tj ET Q q 0 0 0 rg BT 179.62 646.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 200.26 646.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.34 646.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 263.75 646.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.75 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 276.61 646.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 317.24 646.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 356.20 646.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.39 646.10 Td ($205.6 ) Tj ET Q q 0 0 0 rg BT 397.76 646.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.65 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.51 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 444.03 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.11 646.10 Td (year ) Tj ET Q q 0 0 0 rg BT 479.18 646.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 646.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 634.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.50 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.82 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 94.87 634.10 Td (change ) Tj ET Q q 0 0 0 rg BT 125.68 634.10 Td (was ) Tj ET Q q 0 0 0 rg BT 143.73 634.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 183.45 634.10 Td (due ) Tj ET Q q 0 0 0 rg BT 200.38 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.66 634.10 Td (less ) Tj ET Q q 0 0 0 rg BT 228.16 634.10 Td (originations ) Tj ET Q q 0 0 0 rg BT 278.44 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.27 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 312.87 634.10 Td (held ) Tj ET Q q 0 0 0 rg BT 332.59 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 346.75 634.10 Td (sale, ) Tj ET Q q 0 0 0 rg BT 367.30 634.10 Td (net ) Tj ET Q q 0 0 0 rg BT 382.01 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 392.84 634.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 410.89 634.10 Td (proceeds.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 622.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 610.10 Td (Net ) Tj ET Q q 0 0 0 rg BT 102.21 610.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 122.25 610.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.74 610.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 184.56 610.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.56 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.83 610.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 236.86 610.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 275.23 610.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.93 610.10 Td ($205.6 ) Tj ET Q q 0 0 0 rg BT 326.70 610.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.59 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 357.86 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.79 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.28 610.10 Td (year ) Tj ET Q q 0 0 0 rg BT 405.76 610.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.91 610.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 490.26 610.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.26 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 512.53 610.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 554.23 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 564.50 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 598.10 Td (net ) Tj ET Q q 0 0 0 rg BT 63.49 598.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 83.03 598.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.02 598.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 144.33 598.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.33 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.10 598.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 195.64 598.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 233.51 598.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.61 598.10 Td ($167.8 ) Tj ET Q q 0 0 0 rg BT 272.88 598.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.77 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 303.54 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 316.97 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.96 598.10 Td (year ) Tj ET Q q 0 0 0 rg BT 349.93 598.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.58 598.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 433.43 598.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.43 598.10 Td (. ) Tj ET Q q 0 0 0 rg BT 460.08 598.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.39 598.10 Td (change ) Tj ET Q q 0 0 0 rg BT 507.48 598.10 Td (was ) Tj ET Q q 0 0 0 rg BT 524.80 598.10 Td (primarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 586.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.44 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 76.72 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.43 586.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 126.69 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.97 586.10 Td (net ) Tj ET Q q 0 0 0 rg BT 151.68 586.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 574.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 562.10 Td (Investing ) Tj ET Q q 0 0 0 rg BT 90.86 562.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.84 562.10 Td (. ) Tj ET Q q 0 0 0 rg BT 138.28 562.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 160.72 562.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 185.39 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 207.27 562.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 246.37 562.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 284.91 562.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 316.78 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.44 562.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 361.09 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 371.86 562.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 395.41 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.29 562.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 458.61 562.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 498.82 562.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 535.68 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.79 562.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 550.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.17 550.10 Td (s ) Tj ET Q q 0 0 0 rg BT 97.84 550.10 Td (interest-earning ) Tj ET Q q 0 0 0 rg BT 163.38 550.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 185.60 550.10 Td (portfolios, ) Tj ET Q q 0 0 0 rg BT 229.77 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 240.88 550.10 Td (well ) Tj ET Q q 0 0 0 rg BT 260.89 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 272.00 550.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 292.55 550.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 317.56 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 339.78 550.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 362.01 550.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 384.23 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.45 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.45 550.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 446.45 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 457.57 550.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 513.12 550.10 Td (For ) Tj ET Q q 0 0 0 rg BT 529.80 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 550.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 538.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.09 538.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 134.88 538.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.88 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 160.10 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.02 538.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 216.62 538.10 Td (had ) Tj ET Q q 0 0 0 rg BT 233.77 538.10 Td (net ) Tj ET Q q 0 0 0 rg BT 248.70 538.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 269.18 538.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.11 538.10 Td (used ) Tj ET Q q 0 0 0 rg BT 315.15 538.10 Td (in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.93 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 325.64 538.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 365.02 538.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 403.83 538.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 414.87 538.10 Td ($727.7 ) Tj ET Q q 0 0 0 rg BT 445.08 538.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.98 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 476.69 538.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 518.82 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.31 538.10 Td (net ) Tj ET Q q 0 0 0 rg BT 544.24 538.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 526.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.07 526.10 Td (used ) Tj ET Q q 0 0 0 rg BT 94.75 526.10 Td (in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.53 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 104.88 526.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 143.89 526.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 182.34 526.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.02 526.10 Td ($932.1 ) Tj ET Q q 0 0 0 rg BT 222.86 526.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.76 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 254.10 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 268.11 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.68 526.10 Td (year ) Tj ET Q q 0 0 0 rg BT 302.23 526.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.46 526.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 386.89 526.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.89 526.10 Td (. ) Tj ET Q q 0 0 0 rg BT 414.07 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 431.97 526.10 Td (change ) Tj ET Q q 0 0 0 rg BT 462.63 526.10 Td (was ) Tj ET Q q 0 0 0 rg BT 480.53 526.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 520.09 526.10 Td (due ) Tj ET Q q 0 0 0 rg BT 536.88 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 547.01 526.10 Td (less ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 514.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 91.43 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.26 514.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 148.64 514.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 188.90 514.10 Td (partly ) Tj ET Q q 0 0 0 rg BT 214.73 514.10 Td (of) Tj ET Q q 0 0 0 rg BT 222.88 514.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 239.82 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 252.32 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.03 514.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 297.86 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 308.14 514.10 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 502.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 490.10 Td (For ) Tj ET Q q 0 0 0 rg BT 102.14 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.10 490.10 Td (year ) Tj ET Q q 0 0 0 rg BT 137.05 490.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.67 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 222.50 490.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.50 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 247.74 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.70 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 304.33 490.10 Td (had ) Tj ET Q q 0 0 0 rg BT 321.52 490.10 Td (net ) Tj ET Q q 0 0 0 rg BT 336.48 490.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 356.99 490.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.96 490.10 Td (used ) Tj ET Q q 0 0 0 rg BT 403.03 490.10 Td (in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.81 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 413.55 490.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 452.96 490.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 491.80 490.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.88 490.10 Td ($932.1 ) Tj ET Q q 0 0 0 rg BT 533.12 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 478.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.05 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 100.95 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 115.28 478.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 135.17 478.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.52 478.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 197.19 478.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.19 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.31 478.10 Td (investing ) Tj ET Q q 0 0 0 rg BT 248.09 478.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 286.31 478.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.77 478.10 Td ($674.6 ) Tj ET Q q 0 0 0 rg BT 326.39 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.28 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 357.40 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.18 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.52 478.10 Td (year ) Tj ET Q q 0 0 0 rg BT 404.85 478.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.85 478.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 489.05 478.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.05 478.10 Td (. ) Tj ET Q q 0 0 0 rg BT 516.02 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 533.69 478.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 466.10 Td (was ) Tj ET Q q 0 0 0 rg BT 67.55 466.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 107.26 466.10 Td (due ) Tj ET Q q 0 0 0 rg BT 124.20 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.48 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.20 466.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 180.03 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.31 466.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.91 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.85 466.10 Td (more ) Tj ET Q q 0 0 0 rg BT 253.90 466.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 295.83 466.10 Td (than ) Tj ET Q q 0 0 0 rg BT 315.54 466.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 337.48 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.31 466.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 394.70 466.10 Td (securities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 85.50 454.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 49.50 442.10 Td (Financing ) Tj ET Q q 0 0 0 rg BT 95.41 442.10 Td (Activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.40 442.10 Td (. ) Tj ET Q q 0 0 0 rg BT 144.41 442.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 168.42 442.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 194.65 442.10 Td (from ) Tj ET Q q 0 0 0 rg BT 218.10 442.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 259.88 442.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 299.99 442.10 Td (include ) Tj ET Q q 0 0 0 rg BT 333.43 442.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 385.21 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.66 442.10 Td (events ) Tj ET Q q 0 0 0 rg BT 433.22 442.10 Td (whereby ) Tj ET Q q 0 0 0 rg BT 471.66 442.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 493.44 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 504.12 442.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 542.56 442.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 430.10 Td (depositors, ) Tj ET Q q 0 0 0 rg BT 95.20 430.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 132.28 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 142.70 430.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 185.90 430.10 Td (For ) Tj ET Q q 0 0 0 rg BT 201.88 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.19 430.10 Td (year ) Tj ET Q q 0 0 0 rg BT 235.49 430.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.46 430.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 319.63 430.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.63 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 344.22 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.53 430.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 399.51 430.10 Td (had ) Tj ET Q q 0 0 0 rg BT 416.04 430.10 Td (net ) Tj ET Q q 0 0 0 rg BT 430.35 430.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 450.21 430.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.52 430.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 512.16 430.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.16 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 524.25 430.10 Td (financing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 418.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 88.92 418.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.58 418.10 Td ($558.1 ) Tj ET Q q 0 0 0 rg BT 131.40 418.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.30 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.62 418.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 206.37 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 217.47 418.10 Td (net ) Tj ET Q q 0 0 0 rg BT 233.02 418.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 254.11 418.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.66 418.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 318.53 418.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.53 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 331.85 418.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 372.94 418.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 412.37 418.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.02 418.10 Td ($795.8 ) Tj ET Q q 0 0 0 rg BT 454.85 418.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.74 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.06 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 502.05 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.59 418.10 Td (year ) Tj ET Q q 0 0 0 rg BT 538.12 418.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 406.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.08 406.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.08 406.10 Td (. ) Tj ET Q q 0 0 0 rg BT 135.40 406.10 Td (The ) Tj ET Q q 0 0 0 rg BT 153.45 406.10 Td (change ) Tj ET Q q 0 0 0 rg BT 184.27 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 194.54 406.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 214.81 406.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 239.53 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 261.47 406.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 301.74 406.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 340.33 406.10 Td (was ) Tj ET Q q 0 0 0 rg BT 358.39 406.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 398.10 406.10 Td (due ) Tj ET Q q 0 0 0 rg BT 415.04 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 425.32 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 432.25 406.10 Td (smaller ) Tj ET Q q 0 0 0 rg BT 464.19 406.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 499.44 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 509.72 406.10 Td (deposits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 394.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 85.50 382.10 Td (For ) Tj ET Q q 0 0 0 rg BT 102.79 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 118.40 382.10 Td (year ) Tj ET Q q 0 0 0 rg BT 139.00 382.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.28 382.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 225.76 382.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.76 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 251.65 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.27 382.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 309.55 382.10 Td (had ) Tj ET Q q 0 0 0 rg BT 327.38 382.10 Td (net ) Tj ET Q q 0 0 0 rg BT 343.00 382.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 364.16 382.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.78 382.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 428.72 382.10 Td (by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.72 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 442.12 382.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 483.28 382.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 522.77 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.50 382.10 Td ($795.8 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 370.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.39 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.52 370.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 122.07 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.97 370.10 Td (net ) Tj ET Q q 0 0 0 rg BT 146.32 370.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 166.21 370.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.56 370.10 Td (used ) Tj ET Q q 0 0 0 rg BT 211.02 370.10 Td (in) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.79 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 220.92 370.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 260.81 370.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 299.04 370.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.49 370.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 329.12 370.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 355.23 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 357.36 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.15 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.49 370.10 Td (year ) Tj ET Q q 0 0 0 rg BT 404.82 370.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.83 370.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 489.04 370.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 509.04 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 516.01 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 533.68 370.10 Td (change ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 49.50 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.78 358.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 80.05 358.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 104.77 358.10 Td (from ) Tj ET Q q 0 0 0 rg BT 126.71 358.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 166.97 358.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 205.57 358.10 Td (was ) Tj ET Q q 0 0 0 rg BT 223.62 358.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 263.33 358.10 Td (due ) Tj ET Q q 0 0 0 rg BT 280.27 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 290.55 358.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 321.94 358.10 Td (growth ) Tj ET Q q 0 0 0 rg BT 352.77 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.71 358.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 404.96 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 415.24 358.10 Td (borrowings.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 322.10 Td (Item 7A. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 322.10 Td ( Quantitative and Qualitative Disclosur) Tj ET Q q 0 0 0 rg BT 292.10 322.10 Td (es about Market Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 84.71 298.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 106.66 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 124.73 298.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 150.00 298.10 Td (Liability ) Tj ET Q q 0 0 0 rg BT 189.18 298.10 Td (Management) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 84.22 274.10 Td (Risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.17 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.68 274.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 141.56 274.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 158.57 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 167.25 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.47 274.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 198.48 274.10 Td (that ) Tj ET Q q 0 0 0 rg BT 215.49 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.71 274.10 Td (market ) Tj ET Q q 0 0 0 rg BT 259.48 274.10 Td (value ) Tj ET Q q 0 0 0 rg BT 283.15 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 293.48 274.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 333.81 274.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 349.70 274.10 Td (value ) Tj ET Q q 0 0 0 rg BT 373.36 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.70 274.10 Td (our ) Tj ET Q q 0 0 0 rg BT 399.04 274.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 426.88 274.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 468.60 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.05 274.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 527.04 274.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 100.33 262.10 Td (will ) Tj ET Q q 0 0 0 rg BT 119.55 262.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 152.09 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 164.08 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 172.19 262.10 Td (result ) Tj ET Q q 0 0 0 rg BT 198.07 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.06 262.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 245.93 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.38 262.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 290.47 262.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 313.02 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 325.01 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 363.65 262.10 Td (market ) Tj ET Q q 0 0 0 rg BT 395.08 262.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 430.54 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 436.71 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.70 262.10 Td (that ) Tj ET Q q 0 0 0 rg BT 467.36 262.10 Td (our ) Tj ET Q q 0 0 0 rg BT 484.36 262.10 Td (net ) Tj ET Q q 0 0 0 rg BT 500.24 262.10 Td (income ) Tj ET Q q 0 0 0 rg BT 533.33 262.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.56 262.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 103.21 250.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 138.07 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 151.29 250.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 183.94 250.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 202.14 250.10 Td (changes. ) Tj ET Q q 0 0 0 rg BT 242.57 250.10 Td (Market ) Tj ET Q q 0 0 0 rg BT 274.66 250.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 292.88 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 302.77 250.10 Td (managed ) Tj ET Q q 0 0 0 rg BT 342.08 250.10 Td (operationally ) Tj ET Q q 0 0 0 rg BT 398.06 250.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.05 250.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.37 250.10 Td (T) Tj ET Q q 0 0 0 rg BT 431.13 250.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 463.77 250.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 495.04 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 512.70 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 522.58 250.10 Td (addressed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (through ) Tj ET Q q 0 0 0 rg BT 82.69 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.71 238.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 125.84 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 135.75 238.10 Td (funding ) Tj ET Q q 0 0 0 rg BT 168.44 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.47 238.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 218.27 238.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 266.52 238.10 Td (supporting ) Tj ET Q q 0 0 0 rg BT 310.88 238.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 342.99 238.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 365.12 238.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 397.54 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 407.45 238.10 Td (well ) Tj ET Q q 0 0 0 rg BT 426.25 238.10 Td (as ) Tj ET Q q 0 0 0 rg BT 436.16 238.10 Td (monitoring ) Tj ET Q q 0 0 0 rg BT 482.19 238.10 Td (our ) Tj ET Q q 0 0 0 rg BT 497.10 238.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 518.13 238.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (strategies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 74.97 202.10 Td (Liability ) Tj ET Q q 0 0 0 rg BT 113.84 202.10 Td (Management.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.43 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 177.13 202.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 231.52 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 248.16 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 263.52 202.10 Td (T) Tj ET Q q 0 0 0 rg BT 269.28 202.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 300.90 202.10 Td (Group ) Tj ET Q q 0 0 0 rg BT 328.65 202.10 Td (continually ) Tj ET Q q 0 0 0 rg BT 375.83 202.10 Td (monitor ) Tj ET Q q 0 0 0 rg BT 409.69 202.10 Td (our ) Tj ET Q q 0 0 0 rg BT 425.21 202.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 468.52 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 478.49 202.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 510.12 202.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 527.30 202.10 Td (changes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (It ) Tj ET Q q 0 0 0 rg BT 57.97 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 66.50 190.10 Td (our ) Tj ET Q q 0 0 0 rg BT 81.69 190.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 108.54 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 118.18 190.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 155.03 190.10 Td (an ) Tj ET Q q 0 0 0 rg BT 166.33 190.10 Td (acceptable ) Tj ET Q q 0 0 0 rg BT 210.37 190.10 Td (level ) Tj ET Q q 0 0 0 rg BT 231.67 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 241.86 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 273.15 190.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 289.99 190.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 306.85 190.10 Td (over ) Tj ET Q q 0 0 0 rg BT 326.48 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 332.78 190.10 Td (range ) Tj ET Q q 0 0 0 rg BT 356.84 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.03 190.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 401.67 190.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 435.74 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.38 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.67 190.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 497.41 190.10 Td (while ) Tj ET Q q 0 0 0 rg BT 521.48 190.10 Td (remaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (responsive ) Tj ET Q q 0 0 0 rg BT 94.78 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.58 178.10 Td (market ) Tj ET Q q 0 0 0 rg BT 134.35 178.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 168.02 178.10 Td (for ) Tj ET Q q 0 0 0 rg BT 181.70 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 200.93 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.38 178.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 248.28 178.10 Td (products. ) Tj ET Q q 0 0 0 rg BT 289.59 178.10 Td (The ) Tj ET Q q 0 0 0 rg BT 307.15 178.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 340.82 178.10 Td (we ) Tj ET Q q 0 0 0 rg BT 354.49 178.10 Td (employ ) Tj ET Q q 0 0 0 rg BT 386.50 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 396.29 178.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 429.40 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 444.75 178.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.19 178.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 493.19 178.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 510.21 178.10 Td (is ) Tj ET Q q 0 0 0 rg BT 518.89 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 528.69 178.10 Td (measure ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 66.47 166.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 84.62 166.10 Td (using ) Tj ET Q q 0 0 0 rg BT 109.43 166.10 Td (an ) Tj ET Q q 0 0 0 rg BT 122.02 166.10 Td (asset/liability ) Tj ET Q q 0 0 0 rg BT 178.49 166.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 223.85 166.10 Td (model. ) Tj ET Q q 0 0 0 rg BT 256.77 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 275.46 166.10 Td (model ) Tj ET Q q 0 0 0 rg BT 303.60 166.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 344.51 166.10 Td (several ) Tj ET Q q 0 0 0 rg BT 375.97 166.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 406.32 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 417.24 166.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 460.37 166.10 Td (our ) Tj ET Q q 0 0 0 rg BT 476.84 166.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 514.98 166.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 554.22 166.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 82.26 154.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 100.07 154.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 120.40 154.10 Td (including ) Tj ET Q q 0 0 0 rg BT 161.00 154.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 217.13 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.29 154.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 267.21 154.10 Td (gaps, ) Tj ET Q q 0 0 0 rg BT 290.87 154.10 Td (duration, ) Tj ET Q q 0 0 0 rg BT 329.52 154.10 Td (convexity) Tj ET Q q 0 0 0 rg BT 368.30 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 373.63 154.10 Td (value ) Tj ET Q q 0 0 0 rg BT 398.11 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 408.15 154.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 428.48 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.74 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.79 154.10 Td (market ) Tj ET Q q 0 0 0 rg BT 491.38 154.10 Td (value ) Tj ET Q q 0 0 0 rg BT 515.86 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.01 154.10 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 77.25 142.10 Td (under ) Tj ET Q q 0 0 0 rg BT 102.27 142.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 138.97 142.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 173.43 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 183.46 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 197.93 142.10 Td (level ) Tj ET Q q 0 0 0 rg BT 219.62 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 230.21 142.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 261.90 142.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 285.53 142.10 Td (shape ) Tj ET Q q 0 0 0 rg BT 310.55 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.14 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.61 142.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 357.86 142.10 Td (curves, ) Tj ET Q q 0 0 0 rg BT 388.71 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.40 142.10 Td (general ) Tj ET Q q 0 0 0 rg BT 437.08 142.10 Td (market ) Tj ET Q q 0 0 0 rg BT 467.10 142.10 Td (volatility) Tj ET Q q 0 0 0 rg BT 502.56 142.10 Td (. ) Tj ET Q q 0 0 0 rg BT 509.82 142.10 Td (Management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 84.68 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 100.47 130.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 132.37 130.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 149.82 130.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 188.38 130.10 Td (using ) Tj ET Q q 0 0 0 rg BT 212.51 130.10 Td (several ) Tj ET Q q 0 0 0 rg BT 243.29 130.10 Td (strategies, ) Tj ET Q q 0 0 0 rg BT 286.01 130.10 Td (which ) Tj ET Q q 0 0 0 rg BT 312.91 130.10 Td (include ) Tj ET Q q 0 0 0 rg BT 344.81 130.10 Td (adjusting ) Tj ET Q q 0 0 0 rg BT 383.94 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.62 130.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 441.07 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 451.86 130.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 492.09 130.10 Td (in ) Tj ET Q q 0 0 0 rg BT 502.33 130.10 Td (our ) Tj ET Q q 0 0 0 rg BT 518.12 130.10 Td (investment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (portfolio, ) Tj ET Q q 0 0 0 rg BT 89.20 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.35 118.10 Td (limiting ) Tj ET Q q 0 0 0 rg BT 138.73 118.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 160.98 118.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 177.68 118.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 200.49 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 210.53 118.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 232.79 118.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 249.48 118.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 283.96 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 303.45 118.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 327.38 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.41 118.10 Td (more ) Tj ET Q q 0 0 0 rg BT 359.67 118.10 Td (than ) Tj ET Q q 0 0 0 rg BT 378.59 118.10 Td (five ) Tj ET Q q 0 0 0 rg BT 395.85 118.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 423.53 118.10 Td (W) Tj ET Q q 0 0 0 rg BT 432.17 118.10 Td (e ) Tj ET Q q 0 0 0 rg BT 438.32 118.10 Td (also ) Tj ET Q q 0 0 0 rg BT 456.13 118.10 Td (use ) Tj ET Q q 0 0 0 rg BT 471.17 118.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 512.86 118.10 Td (instruments, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (principally ) Tj ET Q q 0 0 0 rg BT 95.47 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 127.06 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 144.20 106.10 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 173.29 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.22 106.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 216.47 106.10 Td (our ) Tj ET Q q 0 0 0 rg BT 231.95 106.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 263.54 106.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 280.67 106.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 302.83 106.10 Td (See ) Tj ET Q q 0 0 0 rg BT 319.42 106.10 Td (Item ) Tj ET Q q 0 0 0 rg BT 344.33 106.10 Td (7. ) Tj ET Q q 0 0 0 rg BT 353.99 106.10 Td (Management) Tj ET Q q 0 0 0 rg BT 408.97 106.10 Td (s ) Tj ET Q q 0 0 0 rg BT 415.01 106.10 Td (Discussion ) Tj ET Q q 0 0 0 rg BT 461.05 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 477.17 106.10 Td (Analysis ) Tj ET Q q 0 0 0 rg BT 514.32 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.81 106.10 Td (Financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (Condition ) Tj ET Q q 0 0 0 rg BT 92.50 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.44 94.10 Td (Results ) Tj ET Q q 0 0 0 rg BT 141.39 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.22 94.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 198.60 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 211.10 94.10 Td (Of) Tj ET Q q 0 0 0 rg BT 221.47 94.10 Td (f-Balance ) Tj ET Q q 0 0 0 rg BT 262.83 94.10 Td (Sheet ) Tj ET Q q 0 0 0 rg BT 287.00 94.10 Td (Arrangements ) Tj ET Q q 0 0 0 rg BT 346.14 94.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.53 94.10 Td (Aggregate ) Tj ET Q q 0 0 0 rg BT 406.67 94.10 Td (Contractual ) Tj ET Q q 0 0 0 rg BT 455.83 94.10 Td (Obligations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 71.48 70.10 Td (est ) Tj ET Q q 0 0 0 rg BT 86.08 70.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 109.01 70.10 Td (Risk) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.47 70.10 Td (. ) Tj ET Q q 0 0 0 rg BT 136.41 70.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 169.34 70.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 187.26 70.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 205.21 70.10 Td (can ) Tj ET Q q 0 0 0 rg BT 222.02 70.10 Td (come ) Tj ET Q q 0 0 0 rg BT 246.62 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 257.34 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 264.72 70.10 Td (variety ) Tj ET Q q 0 0 0 rg BT 295.43 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.70 70.10 Td (forms, ) Tj ET Q q 0 0 0 rg BT 335.47 70.10 Td (including ) Tj ET Q q 0 0 0 rg BT 376.19 70.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 415.22 70.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 435.66 70.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 458.60 70.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 483.75 70.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 504.19 70.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 527.13 70.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 547.58 70.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 99.47 58.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 121.58 58.10 Td (W) Tj ET Q q 0 0 0 rg BT 130.22 58.10 Td (e ) Tj ET Q q 0 0 0 rg BT 136.93 58.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 182.50 58.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 220.86 58.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 238.13 58.10 Td (when ) Tj ET Q q 0 0 0 rg BT 262.06 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.55 58.10 Td (change ) Tj ET Q q 0 0 0 rg BT 307.14 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 317.18 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.67 58.10 Td (average ) Tj ET Q q 0 0 0 rg BT 365.03 58.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 387.29 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 397.89 58.10 Td (our ) Tj ET Q q 0 0 0 rg BT 413.49 58.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 445.20 58.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 477.45 58.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 503.05 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 513.65 58.10 Td (average ) Tj ET Q q 0 0 0 rg BT 547.01 58.10 Td (rate ) Tj ET Q endstream endobj 129 0 obj <> endobj 130 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (64) Tj ET Q 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 60.76 742.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.52 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 108.39 742.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 140.80 742.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 180.45 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 189.55 742.10 Td (more ) Tj ET Q q 0 0 0 rg BT 212.53 742.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 249.95 742.10 Td (than ) Tj ET Q q 0 0 0 rg BT 269.60 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.25 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 307.23 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 317.43 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 352.07 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.28 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 392.48 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.34 742.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 450.65 742.10 Td (Such ) Tj ET Q q 0 0 0 rg BT 473.08 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 479.95 742.10 Td (change ) Tj ET Q q 0 0 0 rg BT 510.69 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 520.90 742.10 Td (sensitivity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 730.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 102.75 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 109.69 730.10 Td (number ) Tj ET Q q 0 0 0 rg BT 142.73 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.56 730.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 188.84 730.10 Td (mismatches ) Tj ET Q q 0 0 0 rg BT 238.55 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 248.83 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.55 730.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 302.14 730.10 Td (opportunities ) Tj ET Q q 0 0 0 rg BT 357.42 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.25 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 384.08 730.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 409.91 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.85 730.10 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.81 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.50 706.10 Td (event ) Tj ET Q q 0 0 0 rg BT 135.63 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 153.11 706.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 179.47 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 191.95 706.10 Td (our ) Tj ET Q q 0 0 0 rg BT 207.75 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 233.56 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.48 706.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 290.17 706.10 Td (do ) Tj ET Q q 0 0 0 rg BT 302.65 706.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 329.01 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 339.27 706.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 373.95 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 384.21 706.10 Td (market ) Tj ET Q q 0 0 0 rg BT 414.45 706.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 435.80 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.06 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.75 706.10 Td (same ) Tj ET Q q 0 0 0 rg BT 483.77 706.10 Td (extent, ) Tj ET Q q 0 0 0 rg BT 513.18 706.10 Td (we ) Tj ET Q q 0 0 0 rg BT 527.32 706.10 Td (may ) Tj ET Q q 0 0 0 rg BT 547.02 706.10 Td (still ) 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 62.49 694.10 Td (exposed ) Tj ET Q q 0 0 0 rg BT 98.30 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 109.13 694.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 132.17 694.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 157.43 694.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 180.02 694.10 Td (Y) Tj ET Q q 0 0 0 rg BT 186.69 694.10 Td (ield ) Tj ET Q q 0 0 0 rg BT 204.74 694.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 229.99 694.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 248.04 694.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 280.51 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.78 694.10 Td (possibility ) Tj ET Q q 0 0 0 rg BT 340.50 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.77 694.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 391.02 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 401.85 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 417.11 694.10 Td (shape ) Tj ET Q q 0 0 0 rg BT 442.93 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.31 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.58 694.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 492.62 694.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 517.87 694.10 Td (could ) Tj ET Q q 0 0 0 rg BT 543.14 694.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 682.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 86.74 682.10 Td (ef) Tj ET Q q 0 0 0 rg BT 94.33 682.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 115.71 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.21 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 144.04 682.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 169.87 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.81 682.10 Td (liabilities.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (V) Tj ET Q q 0 0 0 rg BT 92.11 658.10 Td (ariable ) Tj ET Q q 0 0 0 rg BT 122.04 658.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 139.74 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 165.79 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.95 658.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 222.88 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 240.60 658.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 271.07 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 281.01 658.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 311.50 658.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 338.39 658.10 Td (have ) Tj ET Q q 0 0 0 rg BT 359.98 658.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 390.48 658.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 433.19 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 444.24 658.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 483.05 658.10 Td (dates, ) Tj ET Q q 0 0 0 rg BT 508.82 658.10 Td (but ) Tj ET Q q 0 0 0 rg BT 524.32 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 539.24 658.10 Td (based ) 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 63.17 646.10 Td (dif) Tj ET Q q 0 0 0 rg BT 74.10 646.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 100.59 646.10 Td (indexes ) Tj ET Q q 0 0 0 rg BT 134.30 646.10 Td (still ) Tj ET Q q 0 0 0 rg BT 152.48 646.10 Td (have ) Tj ET Q q 0 0 0 rg BT 174.53 646.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 207.13 646.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 225.29 646.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 248.46 646.10 Td (Basis ) Tj ET Q q 0 0 0 rg BT 273.30 646.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 291.47 646.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 324.07 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 339.46 646.10 Td (possibility ) Tj ET Q q 0 0 0 rg BT 384.30 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 402.47 646.10 Td (indexes ) Tj ET Q q 0 0 0 rg BT 436.19 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 454.92 646.10 Td (not ) Tj ET Q q 0 0 0 rg BT 470.87 646.10 Td (move ) Tj ET Q q 0 0 0 rg BT 496.25 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 507.20 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 514.81 646.10 Td (coordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (manner) Tj ET Q q 0 0 0 rg BT 79.43 634.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 622.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 610.10 Td (e ) Tj ET Q q 0 0 0 rg BT 101.90 610.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 122.50 610.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 193.62 610.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 246.72 610.10 Td (including ) Tj ET Q q 0 0 0 rg BT 287.32 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 327.91 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 351.84 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 369.11 610.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 441.34 610.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 486.93 610.10 Td (Prepayment ) Tj ET Q q 0 0 0 rg BT 537.52 610.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 555.34 610.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 92.50 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 111.69 598.10 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 181.40 598.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 230.59 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 246.44 598.10 Td (results ) Tj ET Q q 0 0 0 rg BT 273.96 598.10 Td (from ) Tj ET Q q 0 0 0 rg BT 294.80 598.10 Td (homeowners) Tj ET Q q 0 0 0 rg BT 348.49 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 349.90 598.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 376.87 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.05 598.10 Td (pay ) Tj ET Q q 0 0 0 rg BT 401.90 598.10 Td (of) Tj ET Q q 0 0 0 rg BT 410.05 598.10 Td (f ) Tj ET Q q 0 0 0 rg BT 414.79 598.10 Td (their ) Tj ET Q q 0 0 0 rg BT 434.53 598.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 473.71 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 496.23 598.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 517.08 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 526.26 598.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 559.50 598.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 586.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.47 586.10 Td (limit ) Tj ET Q q 0 0 0 rg BT 86.76 586.10 Td (this ) Tj ET Q q 0 0 0 rg BT 103.61 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 121.01 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 133.40 586.10 Td (restricting ) Tj ET Q q 0 0 0 rg BT 176.34 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.96 586.10 Td (types ) Tj ET Q q 0 0 0 rg BT 214.46 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.19 586.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 297.00 586.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 337.16 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 351.22 586.10 Td (own ) Tj ET Q q 0 0 0 rg BT 370.83 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 381.01 586.10 Td (those ) Tj ET Q q 0 0 0 rg BT 404.52 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 424.69 586.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 455.42 586.10 Td (average ) Tj ET Q q 0 0 0 rg BT 488.90 586.10 Td (life ) Tj ET Q q 0 0 0 rg BT 504.62 586.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 539.23 586.10 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.70 574.10 Td (interest-rate ) Tj ET Q q 0 0 0 rg BT 129.95 574.10 Td (shock ) Tj ET Q q 0 0 0 rg BT 155.78 574.10 Td (scenarios ) Tj ET Q q 0 0 0 rg BT 195.49 574.10 Td (or ) Tj ET Q q 0 0 0 rg BT 206.32 574.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 246.58 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 266.86 574.10 Td (embedded ) Tj ET Q q 0 0 0 rg BT 310.45 574.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 360.16 574.10 Td (penalties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 562.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Measuring ) Tj ET Q q 0 0 0 rg BT 98.21 550.10 Td (Inter) Tj ET Q q 0 0 0 rg BT 119.69 550.10 Td (est ) Tj ET Q q 0 0 0 rg BT 133.45 550.10 Td (Rate ) Tj ET Q q 0 0 0 rg BT 155.53 550.10 Td (Risk.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.49 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.62 550.10 Td (As ) Tj ET Q q 0 0 0 rg BT 194.83 550.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 219.15 550.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 247.63 550.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 279.16 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 296.24 550.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 313.34 550.10 Td (can ) Tj ET Q q 0 0 0 rg BT 329.32 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 340.85 550.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 381.27 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 393.37 550.10 Td (analyzing ) Tj ET Q q 0 0 0 rg BT 434.34 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 448.65 550.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 475.18 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 485.06 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 511.60 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.91 550.10 Td (repricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.47 538.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 85.94 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.51 538.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 141.87 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 156.22 538.10 Td (mismatched ) Tj ET Q q 0 0 0 rg BT 206.67 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.59 538.10 Td (create ) Tj ET Q q 0 0 0 rg BT 242.59 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 254.17 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 285.74 538.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 328.99 538.10 Td (gap. ) Tj ET Q q 0 0 0 rg BT 350.10 538.10 Td (An ) Tj ET Q q 0 0 0 rg BT 364.46 538.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 386.04 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 396.51 538.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 429.75 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 438.56 538.10 Td (said ) Tj ET Q q 0 0 0 rg BT 456.81 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 466.73 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 478.30 538.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 509.87 538.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 527.00 538.10 Td (sensitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (within ) Tj ET Q q 0 0 0 rg BT 77.84 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 84.57 526.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 117.95 526.10 Td (period ) Tj ET Q q 0 0 0 rg BT 145.78 526.10 Td (if ) Tj ET Q q 0 0 0 rg BT 154.18 526.10 Td (it ) Tj ET Q q 0 0 0 rg BT 162.02 526.10 Td (will ) Tj ET Q q 0 0 0 rg BT 179.86 526.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 209.91 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 220.53 526.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 250.57 526.10 Td (within ) Tj ET Q q 0 0 0 rg BT 278.41 526.10 Td (that ) Tj ET Q q 0 0 0 rg BT 295.70 526.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 328.36 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.20 526.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 377.92 526.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 395.19 526.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 438.59 526.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 455.31 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 464.27 526.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 496.54 526.10 Td (as ) Tj ET Q q 0 0 0 rg BT 507.16 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.66 526.10 Td (dif) Tj ET Q q 0 0 0 rg BT 532.59 526.10 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (between ) Tj ET Q q 0 0 0 rg BT 85.12 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 99.14 514.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 130.94 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.07 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 172.31 514.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 204.10 514.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 229.23 514.10 Td (maturing ) Tj ET Q q 0 0 0 rg BT 267.14 514.10 Td (or ) Tj ET Q q 0 0 0 rg BT 277.27 514.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 315.17 514.10 Td (within ) Tj ET Q q 0 0 0 rg BT 342.53 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 348.77 514.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 381.66 514.10 Td (time ) Tj ET Q q 0 0 0 rg BT 401.24 514.10 Td (period ) Tj ET Q q 0 0 0 rg BT 428.59 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.83 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.85 514.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 490.65 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 500.78 514.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.02 514.10 Td (bearing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 88.76 502.10 Td (maturing ) Tj ET Q q 0 0 0 rg BT 126.40 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 136.27 502.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 173.91 502.10 Td (within ) Tj ET Q q 0 0 0 rg BT 201.00 502.10 Td (that ) Tj ET Q q 0 0 0 rg BT 217.54 502.10 Td (same ) Tj ET Q q 0 0 0 rg BT 239.63 502.10 Td (time ) Tj ET Q q 0 0 0 rg BT 258.94 502.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 290.69 502.10 Td (A) Tj ET Q q 0 0 0 rg BT 297.36 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.90 502.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 314.88 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 323.09 502.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 367.94 502.10 Td (positive ) Tj ET Q q 0 0 0 rg BT 401.15 502.10 Td (when ) Tj ET Q q 0 0 0 rg BT 424.35 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.11 502.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 469.64 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 479.51 502.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 510.49 502.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 527.01 502.10 Td (sensitive ) 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 76.70 490.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 111.71 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 127.30 490.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 160.66 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.36 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 205.17 490.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 223.52 490.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 261.88 490.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 306.73 490.10 Td (A) Tj ET Q q 0 0 0 rg BT 313.40 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.77 490.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 334.57 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 344.61 490.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 391.30 490.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 428.54 490.10 Td (when ) Tj ET Q q 0 0 0 rg BT 453.57 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.15 490.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 502.52 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.22 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 547.02 490.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 86.72 478.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 125.66 478.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 159.03 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.96 478.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 204.68 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.74 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 245.89 478.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 262.60 478.10 Td (sensitive ) Tj ET Q q 0 0 0 rg BT 299.32 478.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 329.37 478.10 Td (During ) Tj ET Q q 0 0 0 rg BT 359.42 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 365.58 478.10 Td (period ) Tj ET Q q 0 0 0 rg BT 392.85 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.91 478.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 427.41 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 458.56 478.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 481.66 478.10 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 521.97 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.13 478.10 Td (negative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 66.28 466.10 Td (would ) Tj ET Q q 0 0 0 rg BT 93.13 466.10 Td (tend ) Tj ET Q q 0 0 0 rg BT 112.19 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.81 466.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 161.97 466.10 Td (af) Tj ET Q q 0 0 0 rg BT 169.56 466.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 186.39 466.10 Td (net ) Tj ET Q q 0 0 0 rg BT 200.45 466.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 231.73 466.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 268.01 466.10 Td (Conversely) Tj ET Q q 0 0 0 rg BT 312.91 466.10 Td (, ) Tj ET Q q 0 0 0 rg BT 317.25 466.10 Td (during ) Tj ET Q q 0 0 0 rg BT 345.20 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 351.49 466.10 Td (period ) Tj ET Q q 0 0 0 rg BT 378.88 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.05 466.10 Td (falling ) Tj ET Q q 0 0 0 rg BT 417.00 466.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 448.28 466.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 471.50 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 477.79 466.10 Td (negative ) Tj ET Q q 0 0 0 rg BT 513.50 466.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 529.79 466.10 Td (position ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (would ) Tj ET Q q 0 0 0 rg BT 77.50 454.10 Td (tend ) Tj ET Q q 0 0 0 rg BT 97.22 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.50 454.10 Td (result ) Tj ET Q q 0 0 0 rg BT 132.21 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 142.49 454.10 Td (an ) Tj ET Q q 0 0 0 rg BT 154.43 454.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 189.68 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.96 454.10 Td (net ) Tj ET Q q 0 0 0 rg BT 214.68 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 246.61 454.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 105.64 430.10 Td (following ) Tj ET Q q 0 0 0 rg BT 148.63 430.10 Td (table ) Tj ET Q q 0 0 0 rg BT 172.16 430.10 Td (sets ) Tj ET Q q 0 0 0 rg BT 191.26 430.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 214.79 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.11 430.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 269.09 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.52 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 315.05 430.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 349.13 430.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 376.56 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 395.09 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 428.62 430.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 462.71 430.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 504.02 430.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 554.78 430.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.06 418.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.06 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.04 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 150.02 418.10 Td (we ) Tj ET Q q 0 0 0 rg BT 164.66 418.10 Td (anticipate, ) Tj ET Q q 0 0 0 rg BT 209.01 418.10 Td (based ) Tj ET Q q 0 0 0 rg BT 234.75 418.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 257.73 418.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 287.92 418.10 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 342.85 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 353.60 418.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 384.34 418.10 Td (or ) Tj ET Q q 0 0 0 rg BT 395.65 418.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 426.39 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 437.15 418.10 Td (each ) Tj ET Q q 0 0 0 rg BT 458.44 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.75 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 484.95 418.10 Td (future ) Tj ET Q q 0 0 0 rg BT 511.81 418.10 Td (time ) Tj ET Q q 0 0 0 rg BT 532.56 418.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (shown. ) Tj ET Q q 0 0 0 rg BT 83.19 406.10 Td (Except ) Tj ET Q q 0 0 0 rg BT 113.02 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 123.42 406.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 148.82 406.10 Td (below) Tj ET Q q 0 0 0 rg BT 172.61 406.10 Td (, ) Tj ET Q q 0 0 0 rg BT 177.18 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.47 406.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 223.54 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.94 406.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 259.34 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.85 406.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 315.14 406.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 343.32 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 369.83 406.10 Td (reprice ) Tj ET Q q 0 0 0 rg BT 399.66 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 410.06 406.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 439.90 406.10 Td (during ) Tj ET Q q 0 0 0 rg BT 468.08 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.59 406.10 Td (particular ) Tj ET Q q 0 0 0 rg BT 514.97 406.10 Td (period ) Tj ET Q q 0 0 0 rg BT 542.59 406.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 97.37 394.10 Td (based ) Tj ET Q q 0 0 0 rg BT 122.54 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 134.93 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.54 394.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 177.47 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.19 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 202.80 394.10 Td (term ) Tj ET Q q 0 0 0 rg BT 223.52 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 233.69 394.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 272.18 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 282.91 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.52 394.10 Td (term ) Tj ET Q q 0 0 0 rg BT 318.24 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.41 394.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 373.01 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.73 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 398.34 394.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 420.17 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 430.90 394.10 Td (liability) Tj ET Q q 0 0 0 rg BT 461.36 394.10 Td (. ) Tj ET Q q 0 0 0 rg BT 468.58 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 486.52 394.10 Td (table ) Tj ET Q q 0 0 0 rg BT 508.35 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 517.41 394.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 554.24 394.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 82.67 382.10 Td (an ) Tj ET Q q 0 0 0 rg BT 94.23 382.10 Td (approximation ) Tj ET Q q 0 0 0 rg BT 154.67 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.12 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.46 382.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 218.78 382.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 257.00 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 267.45 382.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 292.90 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 309.46 382.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 348.80 382.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.14 382.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 416.35 382.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 436.35 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.47 382.10 Td (based ) Tj ET Q q 0 0 0 rg BT 463.36 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 475.48 382.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 522.02 382.10 Td (maturities ) 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 66.45 370.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 108.45 370.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 125.44 370.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 175.23 370.10 Td (within ) Tj ET Q q 0 0 0 rg BT 202.79 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 209.24 370.10 Td (three-month ) Tj ET Q q 0 0 0 rg BT 260.13 370.10 Td (period ) Tj ET Q q 0 0 0 rg BT 287.68 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 304.13 370.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 350.58 370.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 384.79 370.10 Td (time ) Tj ET Q q 0 0 0 rg BT 404.58 370.10 Td (intervals. ) Tj ET Q q 0 0 0 rg BT 445.88 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 463.43 370.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 482.66 370.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 518.56 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 528.35 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 542.58 370.10 Td (table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 78.17 358.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 116.35 358.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 153.42 358.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 191.59 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 202.00 358.10 Td (be ) Tj ET Q q 0 0 0 rg BT 214.08 358.10 Td (reinvested ) Tj ET Q q 0 0 0 rg BT 257.81 358.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 286.00 358.10 Td (repriced ) Tj ET Q q 0 0 0 rg BT 321.39 358.10 Td (because ) Tj ET Q q 0 0 0 rg BT 355.68 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.65 358.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 413.71 358.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 466.88 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 483.96 358.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 501.58 358.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 552.00 358.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (adjustable-rate ) Tj ET Q q 0 0 0 rg BT 113.04 346.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 143.33 346.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 168.05 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.67 346.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 234.73 346.10 Td (securities) Tj ET Q q 0 0 0 rg BT 275.09 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.27 346.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 327.86 346.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 372.04 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 390.65 346.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 445.37 346.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 475.08 346.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 514.80 346.10 Td (prepayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 106.59 334.10 Td (While ) Tj ET Q q 0 0 0 rg BT 133.33 334.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 156.30 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 161.10 334.10 Td (money ) Tj ET Q q 0 0 0 rg BT 190.63 334.10 Td (market ) Tj ET Q q 0 0 0 rg BT 220.70 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.45 334.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 269.76 334.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 300.95 334.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 338.25 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 359.43 334.10 Td (adjustable ) Tj ET Q q 0 0 0 rg BT 402.28 334.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 425.97 334.10 Td (it ) Tj ET Q q 0 0 0 rg BT 433.83 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 442.81 334.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 479.56 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 496.86 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.39 334.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 543.13 334.10 Td (rates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 322.10 Td (some ) Tj ET Q q 0 0 0 rg BT 86.11 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 96.94 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.66 322.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 149.14 322.10 Td (will ) Tj ET Q q 0 0 0 rg BT 167.20 322.10 Td (not ) Tj ET Q q 0 0 0 rg BT 182.48 322.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 208.86 322.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 261.35 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 271.63 322.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 306.33 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 316.61 322.10 Td (other ) Tj ET Q q 0 0 0 rg BT 339.66 322.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 371.59 322.10 Td (rates.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 310.10 Td () Tj ET Q endstream endobj 131 0 obj <> endobj 132 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 129.93 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.16 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 193.39 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 203.19 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.42 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 238.87 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 247.56 742.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 290.10 742.10 Td (assuming ) Tj ET Q q 0 0 0 rg BT 329.90 742.10 Td (that ) Tj ET Q q 0 0 0 rg BT 346.91 742.10 Td (NOW) Tj ET Q q 0 0 0 rg BT 369.87 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 374.39 742.10 Td (money ) Tj ET Q q 0 0 0 rg BT 403.62 742.10 Td (market ) Tj ET Q q 0 0 0 rg BT 433.40 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 449.86 742.10 Td (savings ) Tj ET Q q 0 0 0 rg BT 481.87 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431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 431.6 m 427.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 431.6 m 494.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 431.6 m 561.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 431.6 m 293.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 418.6 m 293.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 230.5 416.6 m 293.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 431.6 m 360.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 418.6 m 360.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 297.5 416.6 m 360.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 431.6 m 427.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 418.6 m 427.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 416.6 m 427.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 431.6 m 494.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 418.6 m 494.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 431.5 416.6 m 494.5 416.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 431.6 m 561.5 431.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 418.6 m 561.5 418.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 416.6 m 561.5 416.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 343.20 675.68 Td (TimetoMaturityorRepricing) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 662.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 251.50 663.68 Td (090) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 315.15 663.68 Td (91-365) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 387.50 663.68 Td (15) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 450.90 663.68 Td (Over5) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 529.50 662.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 650.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 253.05 651.68 Td (Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.05 651.68 Td (Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 385.90 651.68 Td (Years) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.90 651.68 Td (Years) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.75 651.68 Td (Total) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 638.33 Td (Interest Earning Assets:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 290.00 637.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 357.00 637.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 424.00 637.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 637.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.00 637.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 625.17 Td (Interest earning deposits with banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.15 625.17 Td (96,118) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.65 625.17 Td (948) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 625.17 Td (1,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 625.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 625.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.15 625.17 Td (98,686) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 611.17 Td (Federal funds sold) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.65 611.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 597.17 Td (Investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 597.17 Td (326,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 597.17 Td (359,654) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 597.17 Td (1,342,347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 597.17 Td (880,408) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 597.17 Td (2,909,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.17 Td (Loans held for sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 583.17 Td (716,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.65 583.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 583.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 583.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 583.17 Td (716,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 569.17 Td (Loans, including purchased credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 559.17 Td (impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 558.27 Td (7,777,743) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 558.27 Td (1,338,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 558.27 Td (3,096,862) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 558.27 Td (555,747) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.60 558.27 Td (12,768,803) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 544.17 Td (Total interest earning assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 544.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 544.17 Td (8,917,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.00 544.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 544.17 Td (1,699,053) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 544.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 544.17 Td (4,440,829) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.00 544.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 544.17 Td (1,436,155) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 544.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.60 544.17 Td (16,493,593) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 530.33 Td (Interest Bearing Liabilities:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 290.00 528.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 357.00 528.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 424.00 528.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 528.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 558.00 528.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 516.17 Td (NOW and money market deposit accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 516.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 516.17 Td (2,342,219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.00 516.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 516.17 Td (476,323) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 516.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 516.17 Td (1,209,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.00 516.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 516.17 Td (515,298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 516.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 516.17 Td (4,543,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 502.17 Td (Savings deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 502.17 Td (113,599) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 502.17 Td (191,699) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 502.17 Td (567,857) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 502.17 Td (262,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 502.17 Td (1,135,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 488.17 Td (Time deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 488.17 Td (398,006) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.15 488.17 Td (826,290) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 488.17 Td (788,014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 488.17 Td (10,973) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 488.17 Td (2,023,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.17 Td (Short-term borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 474.17 Td (1,569,288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.65 474.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 474.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 474.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 474.17 Td (1,569,288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.17 Td (Long-term borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 460.17 Td (164,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 460.17 Td (4,526) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.15 460.17 Td (137,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 460.17 Td (5,302) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 460.17 Td (311,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 446.17 Td (Junior subordinated notes issued to capital) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 436.17 Td (trusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.15 436.27 Td (210,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.65 436.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 436.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 436.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.15 436.27 Td (210,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 422.17 Td (Total interest bearing liabilities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 422.17 Td (4,798,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 422.17 Td (1,498,838) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 422.17 Td (2,702,038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.00 422.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.15 422.17 Td (794,410) 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 512.60 422.17 Td (9,794,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 398.27 Td (Cumulative rate sensitive assets \(RSA\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 398.27 Td (8,917,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.60 398.27 Td (10,616,609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.60 398.27 Td (15,057,438) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.60 398.27 Td (16,493,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 398.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.60 398.27 Td (16,493,593) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 384.17 Td (Cumulative rate sensitive liabilities \(RSL\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 384.17 Td (4,798,739) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 384.17 Td (6,297,577) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 384.17 Td (8,999,615) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 384.17 Td (9,794,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 384.17 Td (9,794,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 370.17 Td (Cumulative GAP \(GAP=RSA-RSL\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 244.60 370.17 Td (4,118,817) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.60 370.17 Td (4,319,032) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.60 370.17 Td (6,057,823) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.60 370.17 Td (6,699,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.60 370.17 Td (6,699,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 356.17 Td (RSA/Total assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 346.27 Td (46.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 284.65 346.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 346.27 Td (55.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 346.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 346.27 Td (78.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.65 346.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 346.27 Td (85.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 346.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 346.27 Td (85.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 552.65 346.27 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 332.17 Td (RSL/Total assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 332.17 Td (24.86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 332.17 Td (32.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 332.17 Td (46.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 332.17 Td (50.74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 332.17 Td (50.74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 318.17 Td (GAP/Total assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 318.17 Td (21.34) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 318.17 Td (22.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 318.17 Td (31.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 318.17 Td (34.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 318.17 Td (34.71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 304.17 Td (GAP/RSA) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.15 304.17 Td (46.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.15 304.17 Td (40.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.15 304.17 Td (40.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 304.17 Td (40.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 530.15 304.17 Td (40.62) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 288.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 276.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 118.58 276.10 Td (shortcomings ) Tj ET Q q 0 0 0 rg BT 175.61 276.10 Td (are ) Tj ET Q q 0 0 0 rg BT 190.96 276.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 226.87 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 237.79 276.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.15 276.10 Td (method ) Tj ET Q q 0 0 0 rg BT 286.29 276.10 Td (of ) Tj ET Q q 0 0 0 rg BT 297.76 276.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 333.12 276.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 374.58 276.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.50 276.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.86 276.10 Td (foregoing ) Tj ET Q q 0 0 0 rg BT 442.88 276.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 470.46 276.10 Td (For ) Tj ET Q q 0 0 0 rg BT 487.49 276.10 Td (example, ) Tj ET Q q 0 0 0 rg BT 527.01 276.10 Td (although ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 79.58 264.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 105.30 264.10 Td (and ) Tj ET Q q 0 0 0 rg BT 122.12 264.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 161.71 264.10 Td (may ) Tj ET Q q 0 0 0 rg BT 181.31 264.10 Td (have ) Tj ET Q q 0 0 0 rg BT 202.57 264.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 232.73 264.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 275.10 264.10 Td (or ) Tj ET Q q 0 0 0 rg BT 285.81 264.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 317.63 264.10 Td (to ) Tj ET Q q 0 0 0 rg BT 327.79 264.10 Td (repricing, ) Tj ET Q q 0 0 0 rg BT 368.77 264.10 Td (they ) Tj ET Q q 0 0 0 rg BT 388.37 264.10 Td (may ) Tj ET Q q 0 0 0 rg BT 407.96 264.10 Td (react ) Tj ET Q q 0 0 0 rg BT 429.77 264.10 Td (in ) Tj ET Q q 0 0 0 rg BT 439.93 264.10 Td (dif) Tj ET Q q 0 0 0 rg BT 450.86 264.10 Td (ferent ) Tj ET Q q 0 0 0 rg BT 476.56 264.10 Td (degrees ) Tj ET Q q 0 0 0 rg BT 509.47 264.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.63 264.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.22 264.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.10 Td (market ) Tj ET Q q 0 0 0 rg BT 79.62 252.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 110.91 252.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 136.23 252.10 Td (Also, ) Tj ET Q q 0 0 0 rg BT 159.48 252.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.56 252.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 204.85 252.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 225.58 252.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.44 252.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 266.50 252.10 Td (types ) Tj ET Q q 0 0 0 rg BT 289.46 252.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.65 252.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 324.84 252.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.13 252.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 380.21 252.10 Td (may ) Tj ET Q q 0 0 0 rg BT 399.28 252.10 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 436.12 252.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.75 252.10 Td (advance ) Tj ET Q q 0 0 0 rg BT 480.36 252.10 Td (of ) Tj ET Q q 0 0 0 rg BT 490.55 252.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 524.61 252.10 Td (in ) Tj ET Q q 0 0 0 rg BT 534.25 252.10 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 240.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.83 240.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 105.61 240.10 Td (while ) Tj ET Q q 0 0 0 rg BT 130.23 240.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 162.06 240.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 183.34 240.10 Td (on ) Tj ET Q q 0 0 0 rg BT 195.74 240.10 Td (other ) Tj ET Q q 0 0 0 rg BT 218.68 240.10 Td (types ) Tj ET Q q 0 0 0 rg BT 242.19 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 252.92 240.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 278.65 240.10 Td (may ) Tj ET Q q 0 0 0 rg BT 298.27 240.10 Td (lag ) Tj ET Q q 0 0 0 rg BT 312.89 240.10 Td (behind ) Tj ET Q q 0 0 0 rg BT 342.50 240.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 377.11 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 387.29 240.10 Td (market ) Tj ET Q q 0 0 0 rg BT 417.45 240.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 443.20 240.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 493.10 240.10 Td (, ) Tj ET Q q 0 0 0 rg BT 498.00 240.10 Td (in ) Tj ET Q q 0 0 0 rg BT 508.18 240.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.80 240.10 Td (event ) Tj ET Q q 0 0 0 rg BT 546.85 240.10 Td (of ) Tj ET Q q 0 0 0 rg BT 557.58 240.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.10 Td (change ) Tj ET Q q 0 0 0 rg BT 79.60 228.10 Td (in ) Tj ET Q q 0 0 0 rg BT 88.67 228.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 119.39 228.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 142.06 228.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 190.55 228.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.27 228.10 Td (early ) Tj ET Q q 0 0 0 rg BT 227.55 228.10 Td (withdrawal ) Tj ET Q q 0 0 0 rg BT 273.82 228.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 298.43 228.10 Td (would ) Tj ET Q q 0 0 0 rg BT 324.72 228.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 348.78 228.10 Td (deviate ) Tj ET Q q 0 0 0 rg BT 378.94 228.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 430.22 228.10 Td (from ) Tj ET Q q 0 0 0 rg BT 450.95 228.10 Td (those ) Tj ET Q q 0 0 0 rg BT 473.34 228.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 509.07 228.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 228.10 Td (calculating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.44 216.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 90.95 216.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 135.09 216.10 Td (we ) Tj ET Q q 0 0 0 rg BT 148.98 216.10 Td (do ) Tj ET Q q 0 0 0 rg BT 161.20 216.10 Td (not ) Tj ET Q q 0 0 0 rg BT 176.21 216.10 Td (rely ) Tj ET Q q 0 0 0 rg BT 193.98 216.10 Td (on ) Tj ET Q q 0 0 0 rg BT 206.21 216.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.88 216.10 Td (gap ) Tj ET Q q 0 0 0 rg BT 229.55 216.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 263.99 216.10 Td (to ) Tj ET Q q 0 0 0 rg BT 274.00 216.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 307.32 216.10 Td (our ) Tj ET Q q 0 0 0 rg BT 322.88 216.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 354.54 216.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 371.75 216.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 391.48 216.10 Td (but ) Tj ET Q q 0 0 0 rg BT 406.49 216.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 432.03 216.10 Td (we ) Tj ET Q q 0 0 0 rg BT 445.92 216.10 Td (use ) Tj ET Q q 0 0 0 rg BT 461.48 216.10 Td (what ) Tj ET Q q 0 0 0 rg BT 483.14 216.10 Td (we ) Tj ET Q q 0 0 0 rg BT 497.03 216.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 528.13 216.10 Td (to ) Tj ET Q q 0 0 0 rg BT 538.14 216.10 Td (be ) Tj ET Q q 0 0 0 rg BT 549.80 216.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 204.10 Td (more ) Tj ET Q q 0 0 0 rg BT 73.05 204.10 Td (reliable ) Tj ET Q q 0 0 0 rg BT 105.53 204.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 150.25 204.10 Td (model ) Tj ET Q q 0 0 0 rg BT 177.74 204.10 Td (relating ) Tj ET Q q 0 0 0 rg BT 210.79 204.10 Td (to ) Tj ET Q q 0 0 0 rg BT 221.06 204.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 255.77 204.10 Td (in ) Tj ET Q q 0 0 0 rg BT 266.05 204.10 Td (net ) Tj ET Q q 0 0 0 rg BT 280.77 204.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 312.70 204.10 Td (income.) Tj ET Q endstream endobj 133 0 obj <> endobj 134 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Based ) Tj ET Q q 0 0 0 rg BT 113.07 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 125.71 742.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 170.56 742.10 Td (modeling ) Tj ET Q q 0 0 0 rg BT 210.97 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 238.04 742.10 Td (assumes ) Tj ET Q q 0 0 0 rg BT 274.00 742.10 Td (gradual ) Tj ET Q q 0 0 0 rg BT 306.62 742.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 341.46 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 351.87 742.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 383.94 742.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 405.45 742.10 Td (over ) Tj ET Q q 0 0 0 rg BT 425.85 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 432.92 742.10 Td (one-year ) Tj ET Q q 0 0 0 rg BT 470.53 742.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 501.21 742.10 Td (we ) Tj ET Q q 0 0 0 rg BT 515.51 742.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 547.01 742.10 Td (that ) 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 65.83 730.10 Td (net ) Tj ET Q q 0 0 0 rg BT 80.55 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 112.48 730.10 Td (income ) Tj ET Q q 0 0 0 rg BT 144.41 730.10 Td (would ) Tj ET Q q 0 0 0 rg BT 171.91 730.10 Td (change ) Tj ET Q q 0 0 0 rg BT 202.73 730.10 Td (due ) Tj ET Q q 0 0 0 rg BT 219.67 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 229.95 730.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 264.65 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.93 730.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 306.87 730.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 328.24 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 339.07 730.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 371.57 730.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 404.62 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 414.90 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 659.60 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 659.60 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 659.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 659.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 659.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 631.60 113.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 163.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 167.50 631.60 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 260.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 631.60 100.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 631.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 631.60 100.00 -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 167.5 695.6 m 260.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 695.6 m 264.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 695.6 m 364.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 695.6 m 368.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 695.6 m 458.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 695.6 m 462.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 695.6 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 167.5 695.6 m 260.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 683.6 m 260.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 695.6 m 264.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 260.5 683.6 m 264.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 695.6 m 364.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 683.6 m 364.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 364.5 695.6 m 368.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 695.6 m 458.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 683.6 m 458.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 695.6 m 462.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 683.6 m 462.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 695.6 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 462.5 683.6 m 562.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 683.6 m 364.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 659.6 m 163.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 659.6 m 260.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 659.6 m 364.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 659.6 m 458.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 659.6 m 562.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 659.6 m 163.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 167.5 659.6 m 260.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 659.6 m 458.5 659.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 90.20 699.00 Td (Gradual) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 257.15 699.00 Td (ChangesinNetInterestIncomeOverOneYearHorizon) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 85.10 687.00 Td (Changesin) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.30 687.00 Td (AtDecember) Tj ET Q q 0 0 0 rg BT 273.86 687.00 Td (31,2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.80 687.00 Td (AtDecember) Tj ET Q q 0 0 0 rg BT 473.36 687.00 Td (31,2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 89.35 675.00 Td (Levelsof) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 201.30 675.00 Td (Dollar) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 292.80 675.00 Td (Percentage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 400.80 675.00 Td (Dollar) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 490.80 675.00 Td (Percentage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 79.70 663.00 Td (InterestRates) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 198.70 663.00 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.20 663.00 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.20 663.00 Td (Change) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 497.20 663.00 Td (Change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.30 650.06 Td (+2.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 170.00 650.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.25 650.06 Td (47,407) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.75 650.06 Td (7.94) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.50 650.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.00 650.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 650.06 Td (32,845) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 650.06 Td (6.91) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 650.06 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 92.30 636.06 Td (+1.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 232.25 636.06 Td (25,076) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.75 636.06 Td (4.20) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.25 636.06 Td (16,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 636.06 Td (3.47) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 93.35 622.06 Td (-1.00%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 229.25 622.06 Td (\(26,252) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 257.00 622.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 337.75 622.06 Td (\(4.39) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.50 622.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.25 622.06 Td (\(21,122) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 455.00 622.06 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 622.06 Td (\(4.44) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 622.06 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 606.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 594.10 Td (In ) Tj ET Q q 0 0 0 rg BT 96.40 594.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.69 594.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 142.19 594.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 159.25 594.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 202.43 594.10 Td (table ) Tj ET Q q 0 0 0 rg BT 223.93 594.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 252.38 594.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 286.66 594.10 Td (in ) Tj ET Q q 0 0 0 rg BT 296.51 594.10 Td (net ) Tj ET Q q 0 0 0 rg BT 310.79 594.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 342.30 594.10 Td (income ) Tj ET Q q 0 0 0 rg BT 373.80 594.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.19 594.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 467.34 594.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.34 594.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.41 594.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 594.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 582.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 582.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.71 582.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 100.95 582.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 135.87 582.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.36 582.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.28 582.10 Td (composition ) Tj ET Q q 0 0 0 rg BT 213.44 582.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.48 582.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 256.62 582.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 289.32 582.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 315.36 582.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.50 582.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 364.65 582.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 397.34 582.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 439.77 582.10 Td (related ) Tj ET Q q 0 0 0 rg BT 469.68 582.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 501.83 582.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 525.91 582.10 Td (repricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 570.10 Td (frequencies, ) Tj ET Q q 0 0 0 rg BT 101.02 570.10 Td (and ) Tj ET Q q 0 0 0 rg BT 117.89 570.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.53 570.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 155.51 570.10 Td (or ) Tj ET Q q 0 0 0 rg BT 166.27 570.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 200.91 570.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 260.53 570.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.29 570.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.94 570.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 317.80 570.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 350.22 570.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 375.98 570.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.85 570.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 424.72 570.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 457.13 570.10 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 501.61 570.10 Td (The ) Tj ET Q q 0 0 0 rg BT 519.58 570.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.22 570.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 558.10 Td (net ) Tj ET Q q 0 0 0 rg BT 65.27 558.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 97.75 558.10 Td (income ) Tj ET Q q 0 0 0 rg BT 130.24 558.10 Td (incorporate ) Tj ET Q q 0 0 0 rg BT 178.82 558.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.09 558.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 224.36 558.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.74 558.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 256.01 558.10 Td (floors ) Tj ET Q q 0 0 0 rg BT 282.39 558.10 Td (as ) Tj ET Q q 0 0 0 rg BT 293.77 558.10 Td (well ) Tj ET Q q 0 0 0 rg BT 314.04 558.10 Td (as ) Tj ET Q q 0 0 0 rg BT 325.42 558.10 Td (shifts ) Tj ET Q q 0 0 0 rg BT 350.14 558.10 Td (from ) Tj ET Q q 0 0 0 rg BT 372.63 558.10 Td (low ) Tj ET Q q 0 0 0 rg BT 390.68 558.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 409.84 558.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 445.67 558.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.50 558.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 503.41 558.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.79 558.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 546.73 558.10 Td (in ) Tj ET Q q 0 0 0 rg BT 557.56 558.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 546.10 Td (rising ) Tj ET Q q 0 0 0 rg BT 75.28 546.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 92.76 546.10 Td (environment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 534.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 522.10 Td (The ) Tj ET Q q 0 0 0 rg BT 103.74 522.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 155.38 522.10 Td (used ) Tj ET Q q 0 0 0 rg BT 175.90 522.10 Td (in ) Tj ET Q q 0 0 0 rg BT 185.86 522.10 Td (our ) Tj ET Q q 0 0 0 rg BT 201.38 522.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 233.01 522.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 250.18 522.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 293.49 522.10 Td (simulation ) Tj ET Q q 0 0 0 rg BT 337.90 522.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 378.42 522.10 Td (above ) Tj ET Q q 0 0 0 rg BT 404.48 522.10 Td (are ) Tj ET Q q 0 0 0 rg BT 418.88 522.10 Td (inherently ) Tj ET Q q 0 0 0 rg BT 461.61 522.10 Td (uncertain ) Tj ET Q q 0 0 0 rg BT 501.00 522.10 Td (and, ) Tj ET Q q 0 0 0 rg BT 520.13 522.10 Td (as ) Tj ET Q q 0 0 0 rg BT 530.65 522.10 Td (a ) Tj ET Q q 0 0 0 rg BT 537.28 522.10 Td (result, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.17 510.10 Td (simulations ) Tj ET Q q 0 0 0 rg BT 114.23 510.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 143.84 510.10 Td (precisely ) Tj ET Q q 0 0 0 rg BT 182.88 510.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 219.15 510.10 Td (net ) Tj ET Q q 0 0 0 rg BT 234.32 510.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 266.70 510.10 Td (income ) Tj ET Q q 0 0 0 rg BT 299.08 510.10 Td (or ) Tj ET Q q 0 0 0 rg BT 310.36 510.10 Td (precisely ) Tj ET Q q 0 0 0 rg BT 349.41 510.10 Td (predict ) Tj ET Q q 0 0 0 rg BT 380.12 510.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.29 510.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 425.45 510.10 Td (of ) Tj ET Q q 0 0 0 rg BT 436.73 510.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 471.89 510.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.62 510.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 515.01 510.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 536.83 510.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 510.10 Td (net ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 498.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.84 498.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 118.67 498.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 136.63 498.10 Td (model ) Tj ET Q q 0 0 0 rg BT 164.03 498.10 Td (assumes ) Tj ET Q q 0 0 0 rg BT 199.76 498.10 Td (that ) Tj ET Q q 0 0 0 rg BT 217.16 498.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.00 498.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 255.29 498.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.03 498.10 Td (our ) Tj ET Q q 0 0 0 rg BT 281.76 498.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 316.37 498.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 333.76 498.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 357.27 498.10 Td (that ) Tj ET Q q 0 0 0 rg BT 374.67 498.10 Td (have ) Tj ET Q q 0 0 0 rg BT 395.95 498.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 437.25 498.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 469.08 498.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 490.36 498.10 Td (will ) Tj ET Q q 0 0 0 rg BT 508.32 498.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 538.49 498.10 Td (in ) Tj ET Q q 0 0 0 rg BT 548.67 498.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.83 486.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 131.20 486.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.36 486.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 177.40 486.10 Td (in ) Tj ET Q q 0 0 0 rg BT 188.02 486.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.07 486.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 235.33 486.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 253.15 486.10 Td (environment. ) Tj ET Q q 0 0 0 rg BT 310.90 486.10 Td (Actual ) Tj ET Q q 0 0 0 rg BT 340.39 486.10 Td (results ) Tj ET Q q 0 0 0 rg BT 369.33 486.10 Td (will ) Tj ET Q q 0 0 0 rg BT 387.72 486.10 Td (dif) Tj ET Q q 0 0 0 rg BT 398.65 486.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 412.58 486.10 Td (from ) Tj ET Q q 0 0 0 rg BT 434.85 486.10 Td (simulated ) Tj ET Q q 0 0 0 rg BT 476.57 486.10 Td (results ) Tj ET Q q 0 0 0 rg BT 505.51 486.10 Td (due ) Tj ET Q q 0 0 0 rg BT 522.78 486.10 Td (to ) Tj ET Q q 0 0 0 rg BT 533.40 486.10 Td (timing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 474.10 Td (magnitude ) Tj ET Q q 0 0 0 rg BT 94.71 474.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.65 474.10 Td (frequency ) Tj ET Q q 0 0 0 rg BT 154.13 474.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.96 474.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 196.89 474.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 214.38 474.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 249.08 474.10 Td (as ) Tj ET Q q 0 0 0 rg BT 259.91 474.10 Td (well ) Tj ET Q q 0 0 0 rg BT 279.63 474.10 Td (as ) Tj ET Q q 0 0 0 rg BT 290.46 474.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 325.17 474.10 Td (in ) Tj ET Q q 0 0 0 rg BT 335.44 474.10 Td (market ) Tj ET Q q 0 0 0 rg BT 365.71 474.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 409.87 474.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.81 474.10 Td (management ) Tj ET Q q 0 0 0 rg BT 480.40 474.10 Td (strategies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 462.10 Td () Tj ET Q endstream endobj 135 0 obj <><><><><><><><><><><><><><><><><><><><><>] /Rotate 0 /Contents 136 0 R>> endobj 136 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (67) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 730.10 Td (Item 8. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 730.10 Td ( Financial Statements and Supplementary Data) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 255.40 706.10 Td (MB FINANCIAL,INC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 694.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 201.80 682.10 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 261.62 682.10 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 340.80 682.10 Td ( ST) Tj ET Q q 0 0 0 rg BT 354.79 682.10 Td (A) Tj ET Q q 0 0 0 rg BT 361.27 682.10 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 670.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 231.35 658.10 Td (December) Tj ET Q q 0 0 0 rg BT 274.48 658.10 Td (31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 311.98 658.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 316.98 658.10 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 336.98 658.10 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 360.60 658.10 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 380.60 658.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 646.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 289.85 634.10 Td (INDEX) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 306.00 622.10 Td () Tj ET Q 1 1 1 rg /GS0 gs 50.50 599.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 571.60 470.00 -23.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 534.60 470.00 -23.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 470.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 442.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 414.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 386.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 358.60 470.00 -14.00 re f /GS0 gs 1 1 1 rg /GS0 gs 50.50 330.60 470.00 -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 520.5 599.6 m 562.5 599.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 602.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 532.75 603.68 Td (Page) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 588.76259765625 m 458.546875 588.76259765625 l s q 0 0 1 rg BT 53.00 590.33 Td (MANAGEMENTS REPOR) Tj ET Q q 0 0 1 rg BT 174.59 590.33 Td (T) Tj ET Q q 0 0 1 rg BT 181.08 590.33 Td ( ON INTERNAL) Tj ET Q q 0 0 1 rg BT 253.32 590.33 Td ( CONTROL) Tj ET Q q 0 0 1 rg BT 305.83 590.33 Td ( OVER FINANCIAL) Tj ET Q q 0 0 1 rg BT 395.84 590.33 Td ( REPOR) Tj ET Q q 0 0 1 rg BT 432.99 590.33 Td (TING) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 576.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 576.17 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 560.76259765625 m 468.9130859375 560.76259765625 l s q 0 0 1 rg BT 53.00 562.33 Td (REPOR) Tj ET Q q 0 0 1 rg BT 87.65 562.33 Td (T) Tj ET Q q 0 0 1 rg BT 94.14 562.33 Td ( OF) Tj ET Q q 0 0 1 rg BT 110.15 562.33 Td ( INDEPENDENT) Tj ET Q q 0 0 1 rg BT 185.26 562.33 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 1 rg BT 295.57 562.33 Td (ACCOUNTING FIRM ON INTERNAL) Tj ET Q q 0 0 1 rg BT 466.41 562.33 Td ( ) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 550.76259765625 m 255.7294921875 550.76259765625 l s q 0 0 1 rg BT 53.00 552.33 Td (CONTROL) Tj ET Q q 0 0 1 rg BT 103.01 552.33 Td ( OVER FINANCIAL) Tj ET Q q 0 0 1 rg BT 193.02 552.33 Td ( REPOR) Tj ET Q q 0 0 1 rg BT 230.17 552.33 Td (TING) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 539.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 539.17 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 523.76259765625 m 437.6142578125 523.76259765625 l s q 0 0 1 rg BT 53.00 525.33 Td (REPOR) Tj ET Q q 0 0 1 rg BT 87.65 525.33 Td (T) Tj ET Q q 0 0 1 rg BT 94.14 525.33 Td ( OF) Tj ET Q q 0 0 1 rg BT 110.15 525.33 Td ( INDEPENDENT) Tj ET Q q 0 0 1 rg BT 185.26 525.33 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 1 rg BT 295.57 525.33 Td (ACCOUNTING FIRM ON ) Tj ET Q q 0 0 1 rg BT 414.00 525.33 Td (THE ) Tj ET Q BT /F2 10.00 Tf ET 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 53 513.76259765625 m 261.3740234375 513.76259765625 l s q 0 0 1 rg BT 53.00 515.33 Td (CONSOLIDA) Tj ET Q q 0 0 1 rg BT 112.82 515.33 Td (TED FINANCIAL) Tj ET Q q 0 0 1 rg BT 192.00 515.33 Td ( ST) Tj ET Q q 0 0 1 rg BT 205.99 515.33 Td (A) Tj ET Q q 0 0 1 rg BT 212.47 515.33 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 502.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 502.17 Td () Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL 0 0 1 RG /GS0 gs 0.95 w 0 i [] 0 d 1 J 1 j 3 M 222.25 486.76259765625 m 347.73828125 486.76259765625 l s q 0 0 1 rg BT 222.25 488.33 Td (FINANCIAL) Tj ET Q q 0 0 1 rg BT 278.37 488.33 Td ( ST) Tj ET Q q 0 0 1 rg BT 292.36 488.33 Td (A) Tj ET Q q 0 0 1 rg BT 298.84 488.33 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET 0 Tr /GS0 gs 0 Tw 0 Tc 100 Tz 0 TL BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 487.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 475.17 Td () Tj ET Q 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 85.70 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 96.41 562.25 Td (its ) Tj ET Q q 0 0 0 rg BT 108.23 562.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 143.38 562.25 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 191.04 562.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 223.96 562.25 Td (control ) Tj ET Q q 0 0 0 rg BT 254.67 562.25 Td (over ) Tj ET Q q 0 0 0 rg BT 274.81 562.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.18 562.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 351.21 562.25 Td (may ) Tj ET Q q 0 0 0 rg BT 370.81 562.25 Td (not ) Tj ET Q q 0 0 0 rg BT 385.97 562.25 Td (prevent ) Tj ET Q q 0 0 0 rg BT 418.33 562.25 Td (or ) Tj ET Q q 0 0 0 rg BT 429.04 562.25 Td (detect ) Tj ET Q q 0 0 0 rg BT 455.30 562.25 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 516.31 562.25 Td (All ) Tj ET Q q 0 0 0 rg BT 531.47 562.25 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (control ) Tj ET Q q 0 0 0 rg BT 82.52 550.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 120.88 550.25 Td (no ) Tj ET Q q 0 0 0 rg BT 135.07 550.25 Td (matter ) Tj ET Q q 0 0 0 rg BT 164.80 550.25 Td (how ) Tj ET Q q 0 0 0 rg BT 186.22 550.25 Td (well ) Tj ET Q q 0 0 0 rg BT 207.63 550.25 Td (designed, ) Tj ET Q q 0 0 0 rg BT 249.87 550.25 Td (have ) Tj ET Q q 0 0 0 rg BT 272.93 550.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 309.89 550.25 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 359.36 550.25 Td (including ) Tj ET Q q 0 0 0 rg BT 401.33 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.73 550.25 Td (possibility ) Tj ET Q q 0 0 0 rg BT 463.60 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 476.12 550.25 Td (human ) Tj ET Q q 0 0 0 rg BT 507.53 550.25 Td (error ) Tj ET Q q 0 0 0 rg BT 531.15 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.78 550.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (circumvention ) Tj ET Q q 0 0 0 rg BT 111.46 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 123.50 538.25 Td (overriding ) Tj ET Q q 0 0 0 rg BT 168.86 538.25 Td (controls. ) Tj ET Q q 0 0 0 rg BT 208.97 538.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 258.30 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 264.51 538.25 Td (even ) Tj ET Q q 0 0 0 rg BT 287.09 538.25 Td (ef) Tj ET Q q 0 0 0 rg BT 294.68 538.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 325.59 538.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 359.84 538.25 Td (control ) Tj ET Q q 0 0 0 rg BT 391.87 538.25 Td (over ) Tj ET Q q 0 0 0 rg BT 413.34 538.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 452.03 538.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 492.39 538.25 Td (can ) Tj ET Q q 0 0 0 rg BT 509.97 538.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 544.23 538.25 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 94.68 526.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 135.48 526.25 Td (with ) Tj ET Q q 0 0 0 rg BT 155.19 526.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 185.43 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 195.14 526.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 232.05 526.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 272.29 526.25 Td (preparation. ) Tj ET Q q 0 0 0 rg BT 324.33 526.25 Td (Also, ) Tj ET Q q 0 0 0 rg BT 347.65 526.25 Td (projections ) Tj ET Q q 0 0 0 rg BT 394.01 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.27 526.25 Td (any ) Tj ET Q q 0 0 0 rg BT 420.64 526.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 464.22 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.48 526.25 Td (ef) Tj ET Q q 0 0 0 rg BT 482.06 526.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 528.42 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 538.12 526.25 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 83.12 514.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.00 514.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 131.01 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 142.46 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.36 514.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 177.04 514.25 Td (that ) Tj ET Q q 0 0 0 rg BT 195.71 514.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 231.60 514.25 Td (may ) Tj ET Q q 0 0 0 rg BT 252.50 514.25 Td (become ) Tj ET Q q 0 0 0 rg BT 287.27 514.25 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 334.26 514.25 Td (because ) Tj ET Q q 0 0 0 rg BT 369.58 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.59 514.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 417.48 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 428.93 514.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 476.78 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 488.78 514.25 Td (that ) Tj ET Q q 0 0 0 rg BT 507.46 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.35 514.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 553.68 514.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 98.59 502.25 Td (with ) Tj ET Q q 0 0 0 rg BT 118.87 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.58 502.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 167.19 502.25 Td (or ) Tj ET Q q 0 0 0 rg BT 178.02 502.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 224.38 502.25 Td (may ) Tj ET Q q 0 0 0 rg BT 244.10 502.25 Td (deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 104.03 478.25 Td (assessed ) Tj ET Q q 0 0 0 rg BT 139.75 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 153.79 478.25 Td (ef) Tj ET Q q 0 0 0 rg BT 161.38 478.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 207.64 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 217.80 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 231.85 478.25 Td (Company) Tj ET Q q 0 0 0 rg BT 273.51 478.25 Td (s ) Tj ET Q q 0 0 0 rg BT 279.23 478.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 311.61 478.25 Td (control ) Tj ET Q q 0 0 0 rg BT 341.76 478.25 Td (over ) Tj ET Q q 0 0 0 rg BT 361.36 478.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 398.17 478.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 436.66 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 446.82 478.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.98 478.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 514.90 478.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.90 478.25 Td (, ) Tj ET Q q 0 0 0 rg BT 539.23 478.25 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (on ) Tj ET Q q 0 0 0 rg BT 63.24 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.70 466.25 Td (framework ) Tj ET Q q 0 0 0 rg BT 125.80 466.25 Td (set ) Tj ET Q q 0 0 0 rg BT 140.15 466.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 162.83 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 176.07 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.53 466.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 239.20 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.77 466.25 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 299.58 466.25 Td (Or) Tj ET Q q 0 0 0 rg BT 309.95 466.25 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 358.73 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.30 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 385.52 466.25 Td (T) Tj ET Q q 0 0 0 rg BT 391.28 466.25 Td (readway ) Tj ET Q q 0 0 0 rg BT 428.38 466.25 Td (Commission ) Tj ET Q q 0 0 0 rg BT 482.19 466.25 Td (\(COSO\) ) Tj ET Q q 0 0 0 rg BT 518.77 466.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 529.78 466.25 Td (Internal ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 72.97 454.25 Td (olIntegrated ) Tj ET Q q 0 0 0 rg BT 133.94 454.25 Td (Framework ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.25 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.23 454.25 Td (2013. ) Tj ET Q q 0 0 0 rg BT 219.38 454.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 246.46 454.25 Td (on ) Tj ET Q q 0 0 0 rg BT 259.11 454.25 Td (that ) Tj ET Q q 0 0 0 rg BT 276.75 454.25 Td (assessment, ) Tj ET Q q 0 0 0 rg BT 326.34 454.25 Td (management ) Tj ET Q q 0 0 0 rg BT 380.08 454.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 423.82 454.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 443.96 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 454.94 454.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.92 454.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 524.65 454.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.65 454.25 Td (, ) Tj ET Q q 0 0 0 rg BT 549.80 454.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 442.25 Td (s ) Tj ET Q q 0 0 0 rg BT 97.48 442.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 129.94 442.25 Td (control ) Tj ET Q q 0 0 0 rg BT 160.19 442.25 Td (over ) Tj ET Q q 0 0 0 rg BT 179.88 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 216.78 442.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 255.36 442.25 Td (was ) Tj ET Q q 0 0 0 rg BT 272.83 442.25 Td (ef) Tj ET Q q 0 0 0 rg BT 280.42 442.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 309.54 442.25 Td (based ) Tj ET Q q 0 0 0 rg BT 334.23 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 346.15 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 360.29 442.25 Td (criteria ) Tj ET Q q 0 0 0 rg BT 390.52 442.25 Td (established ) Tj ET Q q 0 0 0 rg BT 436.88 442.25 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 446.58 442.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 480.72 442.25 Td (Contr) Tj ET Q q 0 0 0 rg BT 503.68 442.25 Td (olIntegrated ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 96.66 430.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (RSM ) Tj ET Q q 0 0 0 rg BT 74.07 406.25 Td (US ) Tj ET Q q 0 0 0 rg BT 89.81 406.25 Td (LLP) Tj ET Q q 0 0 0 rg BT 106.48 406.25 Td (, ) Tj ET Q q 0 0 0 rg BT 111.93 406.25 Td (an ) Tj ET Q q 0 0 0 rg BT 124.32 406.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 176.15 406.25 Td (registered ) Tj ET Q q 0 0 0 rg BT 218.52 406.25 Td (public ) Tj ET Q q 0 0 0 rg BT 246.47 406.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 293.29 406.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 313.46 406.25 Td (that ) Tj ET Q q 0 0 0 rg BT 331.41 406.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 363.79 406.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.96 406.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.96 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 401.91 406.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 455.41 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 493.34 406.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 538.50 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 406.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 91.31 394.25 Td (included ) Tj ET Q q 0 0 0 rg BT 128.16 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 138.36 394.25 Td (this ) Tj ET Q q 0 0 0 rg BT 154.69 394.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 186.55 394.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 216.18 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 228.60 394.25 Td (10-K, ) Tj ET Q q 0 0 0 rg BT 254.08 394.25 Td (has ) Tj ET Q q 0 0 0 rg BT 269.82 394.25 Td (audited ) Tj ET Q q 0 0 0 rg BT 301.68 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 316.31 394.25 Td (ef) Tj ET Q q 0 0 0 rg BT 323.90 394.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 370.75 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 381.49 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 396.13 394.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 443.13 394.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 476.09 394.25 Td (control ) Tj ET Q q 0 0 0 rg BT 506.84 394.25 Td (over ) Tj ET Q q 0 0 0 rg BT 527.02 394.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.08 382.25 Td (as ) Tj ET Q q 0 0 0 rg BT 99.83 382.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.59 382.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 169.09 382.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.09 382.25 Td (. ) Tj ET Q q 0 0 0 rg BT 194.02 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 196.26 382.25 Td (Their ) Tj ET Q q 0 0 0 rg BT 220.34 382.25 Td (report, ) Tj ET Q q 0 0 0 rg BT 249.14 382.25 Td (which ) Tj ET Q q 0 0 0 rg BT 276.00 382.25 Td (expresses ) Tj ET Q q 0 0 0 rg BT 316.75 382.25 Td (an ) Tj ET Q q 0 0 0 rg BT 328.61 382.25 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 376.58 382.25 Td (opinion ) Tj ET Q q 0 0 0 rg BT 409.56 382.25 Td (on ) Tj ET Q q 0 0 0 rg BT 421.98 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.62 382.25 Td (ef) Tj ET Q q 0 0 0 rg BT 444.21 382.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 491.05 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 501.81 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 516.45 382.25 Td (Company) Tj ET Q q 0 0 0 rg BT 558.11 382.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 82.29 370.25 Td (control ) Tj ET Q q 0 0 0 rg BT 112.37 370.25 Td (over ) Tj ET Q q 0 0 0 rg BT 131.89 370.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 168.62 370.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 207.03 370.25 Td (as ) Tj ET Q q 0 0 0 rg BT 217.11 370.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.20 370.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 285.03 370.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.03 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 306.78 370.25 Td (is ) Tj ET Q q 0 0 0 rg BT 315.21 370.25 Td (included ) Tj ET Q q 0 0 0 rg BT 351.39 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 360.92 370.25 Td (this ) Tj ET Q q 0 0 0 rg BT 377.12 370.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 397.20 370.25 Td (under ) Tj ET Q q 0 0 0 rg BT 421.72 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.69 370.25 Td (heading ) Tj ET Q q 0 0 0 rg BT 469.09 370.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 502.50 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 512.58 370.25 Td (Independent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (Registered ) Tj ET Q q 0 0 0 rg BT 95.26 358.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 122.77 358.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 171.92 358.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 193.87 358.25 Td (on ) Tj ET Q q 0 0 0 rg BT 206.37 358.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 239.97 358.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 273.02 358.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 295.51 358.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 335.22 358.25 Td (Reporting.) 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0 0 0 rg BT 147.46 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.18 514.10 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 226.14 514.10 Td (W) Tj ET Q q 0 0 0 rg BT 234.78 514.10 Td (e ) Tj ET Q q 0 0 0 rg BT 241.71 514.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 273.09 514.10 Td (that ) Tj ET Q q 0 0 0 rg BT 290.58 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 306.41 514.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 328.91 514.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 365.84 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 372.78 514.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 418.04 514.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 440.54 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 454.70 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 470.53 514.10 Td (opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td () 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 56.67 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.30 490.10 Td (company) Tj ET Q q 0 0 0 rg BT 97.74 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 103.26 490.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 135.43 490.10 Td (control ) Tj ET Q q 0 0 0 rg BT 165.39 490.10 Td (over ) Tj ET Q q 0 0 0 rg BT 184.79 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.41 490.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 259.69 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.00 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.07 490.10 Td (process ) Tj ET Q q 0 0 0 rg BT 305.69 490.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 342.87 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 352.28 490.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 384.46 490.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 428.84 490.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 469.34 490.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 509.29 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.14 490.10 Td (reliability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.59 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 99.84 478.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 139.76 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.46 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.94 478.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 221.74 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.33 478.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 271.58 478.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 317.05 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 331.98 478.10 Td (external ) Tj ET Q q 0 0 0 rg BT 367.44 478.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 406.26 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 417.30 478.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 465.53 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.57 478.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 527.04 478.10 Td (accepted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 95.58 466.10 Td (principles. ) Tj ET Q q 0 0 0 rg BT 141.34 466.10 Td (A) Tj ET Q q 0 0 0 rg BT 148.01 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.72 466.10 Td (company) Tj ET Q q 0 0 0 rg BT 189.16 466.10 Td (s ) Tj ET Q q 0 0 0 rg BT 194.76 466.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 227.01 466.10 Td (control ) Tj ET Q q 0 0 0 rg BT 257.04 466.10 Td (over ) Tj ET Q q 0 0 0 rg BT 276.52 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 313.20 466.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 351.57 466.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 386.60 466.10 Td (those ) Tj ET Q q 0 0 0 rg BT 409.42 466.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 442.23 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 458.38 466.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 503.95 466.10 Td (that ) Tj ET Q q 0 0 0 rg BT 520.65 466.10 Td (\(a\)pertain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.00 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.44 454.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 127.18 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.74 454.10 Td (records ) Tj ET Q q 0 0 0 rg BT 169.38 454.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 189.10 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 199.10 454.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 244.07 454.10 Td (detail, ) Tj ET Q q 0 0 0 rg BT 271.01 454.10 Td (accurately ) Tj ET Q q 0 0 0 rg BT 314.31 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.97 454.10 Td (fairly ) Tj ET Q q 0 0 0 rg BT 354.84 454.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 382.59 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.03 454.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 447.02 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 463.68 454.10 Td (dispositions ) Tj ET Q q 0 0 0 rg BT 513.68 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.24 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.67 454.10 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.20 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.28 442.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 118.58 442.10 Td (\(b\)provide ) Tj ET Q q 0 0 0 rg BT 166.15 442.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 211.77 442.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 253.50 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 271.36 442.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 321.99 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 337.06 442.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 374.90 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 386.10 442.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 427.83 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 438.47 442.10 Td (permit ) Tj ET Q q 0 0 0 rg BT 467.44 442.10 Td (preparation ) Tj ET Q q 0 0 0 rg BT 515.84 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.04 442.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 95.08 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.72 430.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 153.54 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 174.18 430.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 214.25 430.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 252.08 430.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 298.82 430.10 Td (principles, ) Tj ET Q q 0 0 0 rg BT 343.62 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 360.92 430.10 Td (that ) Tj ET Q q 0 0 0 rg BT 378.78 430.10 Td (receipts ) Tj ET Q q 0 0 0 rg BT 412.74 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.04 430.10 Td (expenditures ) Tj ET Q q 0 0 0 rg BT 484.00 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.19 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.27 430.10 Td (company ) Tj ET Q q 0 0 0 rg BT 549.79 430.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (being ) Tj ET Q q 0 0 0 rg BT 75.53 418.10 Td (made ) Tj ET Q q 0 0 0 rg BT 100.50 418.10 Td (only ) Tj ET Q q 0 0 0 rg BT 121.59 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 132.69 418.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 180.96 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 202.05 418.10 Td (authorizations ) Tj ET Q q 0 0 0 rg BT 262.02 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.66 418.10 Td (management ) Tj ET Q q 0 0 0 rg BT 328.07 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 345.82 418.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 384.12 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 395.76 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.30 418.10 Td (company; ) Tj ET Q q 0 0 0 rg BT 454.04 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 471.80 418.10 Td (\(c\)provide ) Tj ET Q q 0 0 0 rg BT 519.26 418.10 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.64 406.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 132.73 406.10 Td (prevention ) Tj ET Q q 0 0 0 rg BT 178.26 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 189.37 406.10 Td (timely ) Tj ET Q q 0 0 0 rg BT 217.69 406.10 Td (detection ) Tj ET Q q 0 0 0 rg BT 257.11 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.22 406.10 Td (unauthorized ) Tj ET Q q 0 0 0 rg BT 323.19 406.10 Td (acquisition, ) Tj ET Q q 0 0 0 rg BT 372.34 406.10 Td (use, ) Tj ET Q q 0 0 0 rg BT 390.95 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 402.05 406.10 Td (disposition ) Tj ET Q q 0 0 0 rg BT 448.72 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 459.82 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.81 406.10 Td (company) Tj ET Q q 0 0 0 rg BT 514.24 406.10 Td (s ) Tj ET Q q 0 0 0 rg BT 520.91 406.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.01 406.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (could ) Tj ET Q q 0 0 0 rg BT 74.72 394.10 Td (have ) Tj ET Q q 0 0 0 rg BT 96.09 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 103.03 394.10 Td (material ) Tj ET Q q 0 0 0 rg BT 138.29 394.10 Td (ef) Tj ET Q q 0 0 0 rg BT 145.88 394.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 163.36 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 175.86 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.58 394.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 228.06 394.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Because ) Tj ET Q q 0 0 0 rg BT 87.08 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.17 370.10 Td (its ) Tj ET Q q 0 0 0 rg BT 112.38 370.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 148.90 370.10 Td (limitations, ) Tj ET Q q 0 0 0 rg BT 197.94 370.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 232.25 370.10 Td (control ) Tj ET Q q 0 0 0 rg BT 264.33 370.10 Td (over ) Tj ET Q q 0 0 0 rg BT 285.87 370.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 324.61 370.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 365.02 370.10 Td (may ) Tj ET Q q 0 0 0 rg BT 386.00 370.10 Td (not ) Tj ET Q q 0 0 0 rg BT 402.54 370.10 Td (prevent ) Tj ET Q q 0 0 0 rg BT 436.29 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 448.38 370.10 Td (detect ) Tj ET Q q 0 0 0 rg BT 476.02 370.10 Td (misstatements. ) Tj ET Q q 0 0 0 rg BT 540.61 370.10 Td (Also, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (projections ) Tj ET Q q 0 0 0 rg BT 96.31 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.52 358.10 Td (any ) Tj ET Q q 0 0 0 rg BT 122.84 358.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 166.37 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.58 358.10 Td (ef) Tj ET Q q 0 0 0 rg BT 184.17 358.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 230.47 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 240.13 358.10 Td (future ) Tj ET Q q 0 0 0 rg BT 265.89 358.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 297.21 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 311.29 358.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 341.50 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.16 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.25 358.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 382.13 358.10 Td (that ) Tj ET Q q 0 0 0 rg BT 399.01 358.10 Td (controls ) Tj ET Q q 0 0 0 rg BT 433.11 358.10 Td (may ) Tj ET Q q 0 0 0 rg BT 452.20 358.10 Td (become ) Tj ET Q q 0 0 0 rg BT 485.18 358.10 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 530.37 358.10 Td (because ) 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 60.83 346.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 95.54 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 105.82 346.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 152.48 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 163.31 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 180.81 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 195.52 346.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 224.67 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 235.50 346.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 284.09 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 304.37 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 319.08 346.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 352.69 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 363.52 346.10 Td (procedures ) Tj ET Q q 0 0 0 rg BT 409.88 346.10 Td (may ) Tj ET Q q 0 0 0 rg BT 429.60 346.10 Td (deteriorate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.98 322.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.95 322.10 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 112.66 322.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 130.86 322.10 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 190.99 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.08 322.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 259.61 322.10 Td (maintained, ) Tj ET Q q 0 0 0 rg BT 309.18 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.61 322.10 Td (all ) Tj ET Q q 0 0 0 rg BT 332.25 322.10 Td (material ) Tj ET Q q 0 0 0 rg BT 367.66 322.10 Td (respects, ) Tj ET Q q 0 0 0 rg BT 405.01 322.10 Td (ef) Tj ET Q q 0 0 0 rg BT 412.60 322.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 442.45 322.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 475.63 322.10 Td (control ) Tj ET Q q 0 0 0 rg BT 506.61 322.10 Td (over ) Tj ET Q q 0 0 0 rg BT 527.02 322.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 90.15 310.10 Td (as ) Tj ET Q q 0 0 0 rg BT 101.98 310.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.80 310.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 173.38 310.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.38 310.10 Td (, ) Tj ET Q q 0 0 0 rg BT 199.38 310.10 Td (based ) Tj ET Q q 0 0 0 rg BT 225.64 310.10 Td (on ) Tj ET Q q 0 0 0 rg BT 239.14 310.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 270.95 310.10 Td (established ) Tj ET Q q 0 0 0 rg BT 318.88 310.10 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 330.15 310.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 365.86 310.10 Td (Contr) Tj ET Q q 0 0 0 rg BT 388.83 310.10 Td (ol ) Tj ET Q q 0 0 0 rg BT 400.11 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 412.50 310.10 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 457.65 310.10 Td (Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.31 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 507.80 310.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 536.30 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.79 310.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 96.94 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.77 298.10 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 155.83 298.10 Td (Or) Tj ET Q q 0 0 0 rg BT 166.20 298.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 214.24 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 225.07 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.61 298.10 Td (T) Tj ET Q q 0 0 0 rg BT 245.37 298.10 Td (readway ) Tj ET Q q 0 0 0 rg BT 281.73 298.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 334.80 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 345.08 298.10 Td (2013.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 274.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.52 274.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.85 274.10 Td (also ) Tj ET Q q 0 0 0 rg BT 105.40 274.10 Td (audited, ) Tj ET Q q 0 0 0 rg BT 139.79 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.01 274.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 197.42 274.10 Td (with ) Tj ET Q q 0 0 0 rg BT 217.65 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.31 274.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 272.53 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 283.31 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.97 274.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 325.97 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 366.77 274.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 415.87 274.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 457.76 274.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 484.64 274.10 Td (\(United ) Tj ET Q q 0 0 0 rg BT 517.64 274.10 Td (States\), ) Tj ET Q q 0 0 0 rg BT 549.80 274.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 102.75 262.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 139.93 262.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 184.35 262.10 Td (as ) Tj ET Q q 0 0 0 rg BT 194.88 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.41 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 222.05 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 235.92 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.34 262.10 Td (year ) Tj ET Q q 0 0 0 rg BT 269.75 262.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.83 262.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 354.12 262.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.12 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.32 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 386.85 262.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 404.62 262.10 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 464.30 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 480.95 262.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 532.04 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 548.68 262.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (report ) Tj ET Q q 0 0 0 rg BT 76.38 250.10 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 100.53 250.10 Td (February23, ) Tj ET Q q 0 0 0 rg BT 154.13 250.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.13 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.63 250.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 218.56 250.10 Td (an ) Tj ET Q q 0 0 0 rg BT 230.50 250.10 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 278.54 250.10 Td (opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 218.17 Td (/s/ RSM US LLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 204.17 Td (Chicago,Illinois) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 190.17 Td (February 23, 2017) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 141 0 obj <> endobj 142 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (70) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 73.50 730.10 Td (REPOR) Tj ET Q q 0 0 0 rg BT 108.15 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 114.64 730.10 Td ( OF) Tj ET Q q 0 0 0 rg BT 130.65 730.10 Td ( INDEPENDENT) Tj ET Q q 0 0 0 rg BT 205.76 730.10 Td ( REGISTERED PUBLIC ) Tj ET Q q 0 0 0 rg BT 316.07 730.10 Td (ACCOUNTING FIRM ON ) Tj ET Q q 0 0 0 rg BT 434.50 730.10 Td (THE CONSOLIDA) Tj ET Q q 0 0 0 rg BT 517.94 730.10 Td (TED ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.25 718.10 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 299.37 718.10 Td ( ST) Tj ET Q q 0 0 0 rg BT 313.36 718.10 Td (A) Tj ET Q q 0 0 0 rg BT 319.84 718.10 Td (TEMENTS) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 694.10 Td (o the Board of Directors and Stockholders) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (MB Financial,Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 658.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.40 658.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.59 658.10 Td (audited ) Tj ET Q q 0 0 0 rg BT 118.35 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.89 658.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 193.52 658.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 246.38 658.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 279.23 658.10 Td (sheets ) Tj ET Q q 0 0 0 rg BT 305.99 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.64 658.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 334.53 658.10 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 394.33 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 411.09 658.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 462.29 658.10 Td (as ) Tj ET Q q 0 0 0 rg BT 472.95 658.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.60 658.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 658.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.51 646.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.51 646.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.09 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 107.60 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.89 646.10 Td (related ) Tj ET Q q 0 0 0 rg BT 151.17 646.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 203.78 646.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 248.07 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 258.47 646.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 304.70 646.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 367.31 646.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 401.32 646.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 435.60 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 445.45 646.10 Td (stockholders) Tj ET Q q 0 0 0 rg BT 498.59 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 500.66 646.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 527.73 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.24 646.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 74.59 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 88.62 634.10 Td (each ) Tj ET Q q 0 0 0 rg BT 109.30 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 120.00 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 134.58 634.10 Td (three ) Tj ET Q q 0 0 0 rg BT 156.94 634.10 Td (years ) Tj ET Q q 0 0 0 rg BT 180.41 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 190.55 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.14 634.10 Td (period ) Tj ET Q q 0 0 0 rg BT 233.05 634.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.30 634.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 317.75 634.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.75 634.10 Td (. ) Tj ET Q q 0 0 0 rg BT 344.95 634.10 Td (These ) Tj ET Q q 0 0 0 rg BT 371.19 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 408.54 634.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 453.12 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 467.70 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.28 634.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 539.09 634.10 Td (of ) 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 (Company) Tj ET Q q 0 0 0 rg BT 91.67 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.06 622.10 Td (management. ) Tj ET Q q 0 0 0 rg BT 156.65 622.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 174.70 622.10 Td (responsibility ) Tj ET Q q 0 0 0 rg BT 231.64 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 240.81 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 251.09 622.10 Td (express ) Tj ET Q q 0 0 0 rg BT 283.58 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 295.52 622.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 328.57 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 341.07 622.10 Td (these ) Tj ET Q q 0 0 0 rg BT 364.12 622.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 401.60 622.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 446.31 622.10 Td (based ) Tj ET Q q 0 0 0 rg BT 471.58 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.08 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 499.91 622.10 Td (audits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td () 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 65.72 598.10 Td (conducted ) Tj ET Q q 0 0 0 rg BT 109.45 598.10 Td (our ) Tj ET Q q 0 0 0 rg BT 125.42 598.10 Td (audits ) Tj ET Q q 0 0 0 rg BT 151.95 598.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.37 598.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 209.98 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 230.40 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.25 598.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 285.66 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 296.64 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.49 598.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 339.69 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 380.64 598.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 429.93 598.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 472.01 598.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 499.09 598.10 Td (\(United ) Tj ET Q q 0 0 0 rg BT 532.28 598.10 Td (States\). ) 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 76.69 586.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 116.71 586.10 Td (require ) Tj ET Q q 0 0 0 rg BT 147.28 586.10 Td (that ) Tj ET Q q 0 0 0 rg BT 164.52 586.10 Td (we ) Tj ET Q q 0 0 0 rg BT 178.43 586.10 Td (plan ) Tj ET Q q 0 0 0 rg BT 197.90 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.59 586.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 249.05 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.52 586.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 285.76 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 295.79 586.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 323.04 586.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 368.04 586.10 Td (assurance ) Tj ET Q q 0 0 0 rg BT 409.16 586.10 Td (about ) Tj ET Q q 0 0 0 rg BT 433.63 586.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 468.09 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.55 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 519.79 586.10 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.52 574.10 Td (free ) Tj ET Q q 0 0 0 rg BT 82.36 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.00 574.10 Td (material ) Tj ET Q q 0 0 0 rg BT 128.07 574.10 Td (misstatement. ) Tj ET Q q 0 0 0 rg BT 187.63 574.10 Td (An ) Tj ET Q q 0 0 0 rg BT 202.17 574.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 224.47 574.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 260.10 574.10 Td (examining, ) Tj ET Q q 0 0 0 rg BT 307.12 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 319.43 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 326.18 574.10 Td (test ) Tj ET Q q 0 0 0 rg BT 342.37 574.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 367.18 574.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 405.02 574.10 Td (supporting ) Tj ET Q q 0 0 0 rg BT 450.11 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 464.64 574.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 500.83 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 517.58 574.10 Td (disclosures ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.85 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 76.14 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 114.20 562.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 163.80 562.10 Td (An ) Tj ET Q q 0 0 0 rg BT 179.10 562.10 Td (audit ) Tj ET Q q 0 0 0 rg BT 202.17 562.10 Td (also ) Tj ET Q q 0 0 0 rg BT 221.35 562.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 257.75 562.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 298.04 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.34 562.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 360.28 562.10 Td (principles ) Tj ET Q q 0 0 0 rg BT 402.79 562.10 Td (used ) Tj ET Q q 0 0 0 rg BT 424.19 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 441.70 562.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 486.99 562.10 Td (estimates ) Tj ET Q q 0 0 0 rg BT 527.28 562.10 Td (made ) Tj ET Q q 0 0 0 rg BT 552.00 562.10 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 106.18 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 117.10 550.10 Td (well ) Tj ET Q q 0 0 0 rg BT 136.90 550.10 Td (as ) Tj ET Q q 0 0 0 rg BT 147.82 550.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 192.06 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.87 550.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 237.22 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 274.79 550.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 315.70 550.10 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 371.98 550.10 Td (W) Tj ET Q q 0 0 0 rg BT 380.61 550.10 Td (e ) Tj ET Q q 0 0 0 rg BT 387.64 550.10 Td (believe ) Tj ET Q q 0 0 0 rg BT 419.10 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 436.69 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 452.61 550.10 Td (audits ) Tj ET Q q 0 0 0 rg BT 479.08 550.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 512.22 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 519.25 550.10 Td (reasonable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.50 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 86.66 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 102.49 538.10 Td (opinion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.39 514.10 Td (our ) Tj ET Q q 0 0 0 rg BT 75.77 514.10 Td (opinion, ) Tj ET Q q 0 0 0 rg BT 110.88 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.16 514.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 177.75 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 214.79 514.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 259.06 514.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 292.75 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.58 514.10 Td (above ) Tj ET Q q 0 0 0 rg BT 328.52 514.10 Td (present ) Tj ET Q q 0 0 0 rg BT 359.45 514.10 Td (fairly) Tj ET Q q 0 0 0 rg BT 380.45 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.01 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.84 514.10 Td (all ) Tj ET Q q 0 0 0 rg BT 406.89 514.10 Td (material ) Tj ET Q q 0 0 0 rg BT 441.71 514.10 Td (respects, ) Tj ET Q q 0 0 0 rg BT 478.47 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 492.74 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 529.78 514.10 Td (position ) 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 60.52 502.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 78.27 502.10 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 137.94 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.57 502.10 Td (Subsidiaries ) Tj ET Q q 0 0 0 rg BT 205.65 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 216.17 502.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.69 502.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 284.96 502.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.96 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.15 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.78 502.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.78 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 348.47 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.10 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.50 502.10 Td (results ) Tj ET Q q 0 0 0 rg BT 407.80 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 418.32 502.10 Td (their ) Tj ET Q q 0 0 0 rg BT 438.84 502.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 482.68 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 499.31 502.10 Td (their ) Tj ET Q q 0 0 0 rg BT 519.83 502.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.79 502.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.06 490.10 Td (each ) Tj ET Q q 0 0 0 rg BT 82.78 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.51 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.13 490.10 Td (three ) Tj ET Q q 0 0 0 rg BT 127.52 490.10 Td (years ) Tj ET Q q 0 0 0 rg BT 150.02 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 159.20 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.82 490.10 Td (period ) Tj ET Q q 0 0 0 rg BT 199.77 490.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 225.05 490.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 282.54 490.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 302.54 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 306.44 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 315.62 490.10 Td (conformity ) Tj ET Q q 0 0 0 rg BT 361.46 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 380.64 490.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 399.83 490.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 438.43 490.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 474.81 490.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 520.08 490.10 Td (principles.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 466.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.33 466.10 Td (have ) Tj ET Q q 0 0 0 rg BT 86.47 466.10 Td (also ) Tj ET Q q 0 0 0 rg BT 104.84 466.10 Td (audited, ) Tj ET Q q 0 0 0 rg BT 139.03 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.06 466.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 196.28 466.10 Td (with ) Tj ET Q q 0 0 0 rg BT 216.32 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.80 466.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 270.82 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 281.41 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.89 466.10 Td (Public ) Tj ET Q q 0 0 0 rg BT 323.70 466.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 364.35 466.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 413.26 466.10 Td (Oversight ) Tj ET Q q 0 0 0 rg BT 454.96 466.10 Td (Board ) Tj ET Q q 0 0 0 rg BT 481.65 466.10 Td (\(United ) Tj ET Q q 0 0 0 rg BT 514.46 466.10 Td (States\), ) Tj ET Q q 0 0 0 rg BT 546.44 466.10 Td (MB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 92.34 454.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 110.24 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 127.31 454.10 Td (Subsidiaries) Tj ET Q q 0 0 0 rg BT 178.79 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 181.42 454.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 214.59 454.10 Td (control ) Tj ET Q q 0 0 0 rg BT 245.55 454.10 Td (over ) Tj ET Q q 0 0 0 rg BT 265.95 454.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 303.56 454.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 342.84 454.10 Td (as ) Tj ET Q q 0 0 0 rg BT 353.80 454.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.76 454.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 423.48 454.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.48 454.10 Td (, ) Tj ET Q q 0 0 0 rg BT 448.61 454.10 Td (based ) Tj ET Q q 0 0 0 rg BT 474.01 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 486.64 454.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 517.58 454.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (in ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 59.78 442.10 Td (Internal ) Tj ET Q q 0 0 0 rg BT 94.00 442.10 Td (Contr) Tj ET Q q 0 0 0 rg BT 116.97 442.10 Td (ol ) Tj ET Q q 0 0 0 rg BT 126.75 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 137.64 442.10 Td (Integrated ) Tj ET Q q 0 0 0 rg BT 181.29 442.10 Td (Framework) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.95 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.96 442.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 256.96 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 268.96 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.17 442.10 Td (Committee ) Tj ET Q q 0 0 0 rg BT 329.61 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.95 442.10 Td (Sponsoring ) Tj ET Q q 0 0 0 rg BT 387.51 442.10 Td (Or) Tj ET Q q 0 0 0 rg BT 397.88 442.10 Td (ganizations ) Tj ET Q q 0 0 0 rg BT 445.42 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 455.75 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.83 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 475.58 442.10 Td (readway ) Tj ET Q q 0 0 0 rg BT 511.45 442.10 Td (Commission ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.14 430.10 Td (2013, ) Tj ET Q q 0 0 0 rg BT 85.00 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.80 430.10 Td (our ) Tj ET Q q 0 0 0 rg BT 117.49 430.10 Td (report ) Tj ET Q q 0 0 0 rg BT 143.72 430.10 Td (dated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.74 430.10 Td (February23, ) Tj ET Q q 0 0 0 rg BT 221.20 430.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.20 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.56 430.10 Td (expressed ) Tj ET Q q 0 0 0 rg BT 285.35 430.10 Td (an ) Tj ET Q q 0 0 0 rg BT 297.14 430.10 Td (unqualified ) Tj ET Q q 0 0 0 rg BT 345.05 430.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 377.96 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 390.32 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.90 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 412.49 430.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 459.27 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 469.96 430.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 487.88 430.10 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 529.95 430.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 547.58 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Subsidiaries) Tj ET Q q 0 0 0 rg BT 101.47 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 103.97 418.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 137.02 418.10 Td (control ) Tj ET Q q 0 0 0 rg BT 167.84 418.10 Td (over ) Tj ET Q q 0 0 0 rg BT 188.11 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 225.59 418.10 Td (reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 386.17 Td (/s/ RSM USLLP) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 372.17 Td (Chicago,Illinois) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 358.17 Td (February 23, 2017) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 143 0 obj <> endobj 144 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (71) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 243.25 742.25 Td (FINANCIAL) Tj ET Q q 0 0 0 rg BT 299.37 742.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 313.36 742.25 Td (A) Tj ET Q q 0 0 0 rg BT 319.84 742.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.45 718.25 Td (MB FINANCIAL,INC.& SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 219.40 706.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 279.22 706.25 Td (TED BALANCE SHEETS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 245.10 694.25 Td (December) Tj ET Q q 0 0 0 rg BT 288.23 694.25 Td (31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 325.73 694.25 Td ( and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 346.85 694.25 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.85 694.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 197.15 682.25 Td (\(Amounts in thousands, except common shar) Tj ET Q q 0 0 0 rg BT 388.65 682.25 Td (e data\)) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 651.75 384.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 651.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 651.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 651.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 651.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 628.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 628.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 628.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 628.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 628.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 606.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 606.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 606.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 606.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 606.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 584.75 384.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 584.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 584.75 60.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 584.75 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 584.75 60.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 555.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 555.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 555.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 555.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 555.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 533.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 533.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 533.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 533.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 533.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 511.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 511.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 511.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 511.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 511.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 489.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 489.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 489.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 489.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 489.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 467.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 467.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 467.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 467.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 445.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 445.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 445.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 445.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 445.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 423.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 423.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 423.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 423.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 423.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 401.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 401.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 401.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 401.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 401.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 379.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 379.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 379.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 379.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 379.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 357.75 384.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 357.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 357.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 357.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 357.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 333.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 333.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 333.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 333.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 333.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 311.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 311.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 311.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 311.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 311.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 289.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 289.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 289.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 289.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 289.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 267.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 267.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 267.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 267.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 267.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 245.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 245.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 245.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 245.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 245.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 222.75 384.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 222.75 4.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 222.75 60.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 222.75 4.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 222.75 60.00 -37.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 164.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 164.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 164.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 164.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 164.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 142.75 384.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 142.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 142.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 142.75 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 142.75 60.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 120.75 384.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 120.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 120.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 120.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 120.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 97.75 384.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 97.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 438.50 97.75 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 97.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 97.75 60.00 -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 438.5 651.75 m 498.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 651.75 m 562.5 651.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 617.75 m 498.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 617.75 m 562.5 617.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 555.75 m 498.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 555.75 m 562.5 555.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 500.75 m 498.5 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 500.75 m 562.5 500.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 478.75 m 498.5 478.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 478.75 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 438.5 368.75 m 498.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 368.75 m 562.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 368.75 m 498.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 358.75 m 498.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 356.75 m 498.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 368.75 m 562.5 368.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 358.75 m 562.5 358.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 356.75 m 562.5 356.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 300.75 m 498.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 300.75 m 562.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 300.75 m 562.5 300.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 245.75 m 498.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 245.75 m 562.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 234.75 m 498.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 245.75 m 562.5 245.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 234.75 m 562.5 234.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 120.75 m 498.5 120.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 120.75 m 562.5 120.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 97.75 m 498.5 97.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 97.75 m 562.5 97.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 97.75 m 562.5 97.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 85.75 m 498.5 85.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 74.75 m 498.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 438.5 72.75 m 498.5 72.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 85.75 m 562.5 85.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 74.75 m 562.5 74.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 72.75 m 562.5 72.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.75 663.83 Td (December 31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 460.00 655.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.75 663.83 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.00 655.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 643.83 Td (ASSETS) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 643.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 643.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 631.70 Td (Cash and due from banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.00 631.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 631.70 Td (364,783) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 631.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 631.70 Td (307,869) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 620.70 Td (Interest earning deposits with banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 620.70 Td (98,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 620.70 Td (73,572) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 609.83 Td (Total cash and cash equivalents) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 609.70 Td (463,469) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 609.70 Td (381,441) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 598.70 Td (Investment securities:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 598.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 598.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 587.70 Td (Securities available for sale, at fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 587.70 Td (1,696,195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 587.70 Td (1,585,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 576.70 Td (Securities held to maturity, at amortized cost \($1,093,740 and $1,274,767 fair value at December31, 2016 and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 568.75 Td (2015, respectively\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 571.00 Td (1,069,750) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 571.00 Td (1,230,810) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 558.70 Td (Non-marketable securities - FHLB and FRB stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 558.70 Td (143,276) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 558.70 Td (114,233) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 547.83 Td (Total investment securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 547.70 Td (2,909,221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 547.70 Td (2,930,066) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 536.70 Td (Loans held for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 536.70 Td (716,883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 536.70 Td (744,727) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 525.70 Td (Loans:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 525.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 525.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 514.70 Td (Total loans, excluding purchased credit impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 514.70 Td (12,605,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 514.70 Td (9,652,592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 503.70 Td (Purchased credit impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 503.70 Td (163,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 503.70 Td (141,406) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 492.70 Td (Total loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 492.70 Td (12,768,803) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 492.70 Td (9,793,998) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 481.70 Td (Less: Allowance for loan and lease losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 481.70 Td (139,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 481.70 Td (128,140) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 470.83 Td (Net loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 470.70 Td (12,629,437) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 470.70 Td (9,665,858) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 459.70 Td (Lease investment, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 459.70 Td (311,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 459.70 Td (211,687) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 448.70 Td (Premises and equipment, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 448.70 Td (293,910) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 448.70 Td (236,013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 437.70 Td (Cash surrender value of life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 437.70 Td (200,945) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 437.70 Td (136,953) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 426.70 Td (Goodwill) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 426.70 Td (1,001,038) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 426.70 Td (725,070) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 415.70 Td (Other intangibles) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 415.70 Td (62,959) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 415.70 Td (44,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 404.70 Td (Mortgage servicing rights, at fair value) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 404.70 Td (238,011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 404.70 Td (168,162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 393.70 Td (Other real estate owned, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 393.70 Td (26,279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 393.70 Td (31,553) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 382.70 Td (Other real estate owned related to FDIC-assisted transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 382.70 Td (5,006) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 382.70 Td (10,717) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 371.70 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 371.70 Td (443,832) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 371.70 Td (297,948) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 360.83 Td (Total assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.00 360.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 360.70 Td (19,302,317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 360.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 360.70 Td (15,585,007) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 349.83 Td (LIABILITIES AND STOCKHOLDERS EQUITY) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 349.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 349.70 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 337.83 Td (LIABILITIES) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 337.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 337.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 325.70 Td (Deposits:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 325.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 325.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 314.70 Td (Non-interest bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.00 314.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 314.70 Td (6,408,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 314.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 314.70 Td (4,627,184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 303.70 Td (Interest bearing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 303.70 Td (7,702,279) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 303.70 Td (6,878,031) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 292.83 Td (Total deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 292.70 Td (14,110,448) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 292.70 Td (11,505,215) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 281.70 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 281.70 Td (1,569,288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 281.70 Td (1,005,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 270.70 Td (Long-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 270.70 Td (311,790) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 270.70 Td (400,274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 259.70 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 259.70 Td (210,668) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 259.70 Td (186,164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 248.70 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 248.70 Td (520,914) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 248.70 Td (400,333) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 237.83 Td (Total liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 237.70 Td (16,723,108) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 237.70 Td (13,497,723) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 226.83 Td (STOCKHOLDERS EQUITY) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.00 226.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 226.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 214.00 Td (Preferred stock, \($0.01 par value, authorized 10,000,000 shares at December 31, 2016 and 2015; Series A, 8%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 206.00 Td (perpetual non-cumulative, 4,000,000 shares issued and outstanding at December 31, 2016 and 2015, $25 liquidation) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 198.00 Td (value; Series B, 8% cumulative voting convertible, 125 shares issued and outstanding at December 31, 2016 and) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 190.00 Td (none issued and outstanding at December 31, 2015, $1,000 liquidation value\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 190.00 Td (115,572) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 190.00 Td (115,280) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 177.00 Td (Common stock, \($0.01 par value; authorized 120,000,000 shares at December 31, 2016 and 100,000,000 shares at) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 169.00 Td (December 31, 2015; issued 85,630,748 shares at December 31, 2016 and 75,566,885 shares at December31, 2015\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 169.00 Td (856) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 169.00 Td (756) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 156.70 Td (Additional paid-in capital) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 156.70 Td (1,678,826) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 156.70 Td (1,280,870) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 145.70 Td (Retained earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 145.70 Td (838,892) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 145.70 Td (731,812) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 134.70 Td (Accumulated other comprehensive income) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 134.70 Td (5,190) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 134.70 Td (15,777) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 123.70 Td (Less: 1,905,479 and 1,888,556 shares of treasury stock, at cost, at December31, 2016 and 2015, respectively) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 470.60 123.70 Td (\(60,384) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 495.30 123.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 123.70 Td (\(58,504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 123.70 Td (\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 112.83 Td (Controlling interest stockholders equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 112.70 Td (2,578,952) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 112.70 Td (2,085,991) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 100.70 Td (Noncontrolling interest) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 100.70 Td (257) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 100.70 Td (1,293) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 89.83 Td (Total stockholders equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 463.25 89.70 Td (2,579,209) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 89.70 Td (2,087,284) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 83.00 77.83 Td (Total liabilities and stockholders equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 441.00 77.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.25 77.70 Td (19,302,317) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 77.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 77.70 Td (15,585,007) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 50.25 Td (See ) Tj ET Q q 0 0 0 rg BT 102.39 50.25 Td (Accompanying Notes to Consolidated Financial Statements.) Tj ET Q endstream endobj 145 0 obj <> endobj 146 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (72) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.45 730.10 Td (MB FINANCIAL,INC.& SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 189.15 718.10 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 248.97 718.10 Td (TED ST) Tj ET Q q 0 0 0 rg BT 283.52 718.10 Td (A) Tj ET Q q 0 0 0 rg BT 290.00 718.10 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 354.92 718.10 Td ( OPERA) Tj ET Q q 0 0 0 rg BT 391.68 718.10 Td (TIONS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.00 706.10 Td (Y) Tj ET Q q 0 0 0 rg BT 209.11 706.10 Td (ears Ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.67 706.10 Td (December) Tj ET Q q 0 0 0 rg BT 302.80 706.10 Td (31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.30 706.10 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 706.10 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.30 706.10 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.92 706.10 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.92 706.10 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 184.70 694.10 Td (\(Amounts in thousands, except shar) Tj ET Q q 0 0 0 rg BT 337.04 694.10 Td (e and per) Tj ET Q q 0 0 0 rg BT 376.86 694.10 Td ( shar) Tj ET Q q 0 0 0 rg BT 398.07 694.10 Td (e data\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.23 694.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 671.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 671.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 671.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 671.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 671.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 671.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 649.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 649.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 649.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 649.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 649.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 649.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 649.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 627.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 627.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 627.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 627.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 627.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 627.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 627.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 605.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 605.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 605.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 605.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 605.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 605.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 605.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 583.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 583.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 583.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 583.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 583.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 583.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 583.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 560.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 560.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 560.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 560.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 560.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 560.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 560.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 538.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 538.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 538.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 538.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 538.60 54.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 538.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 538.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 516.60 336.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 516.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 516.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 516.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 516.60 54.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 516.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 516.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 492.60 336.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 492.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 492.60 55.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 445.50 492.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 449.50 492.60 54.00 -11.00 re f 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112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 101.60000000000002 m 445.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 390.5 99.60000000000002 m 445.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 112.60000000000002 m 503.5 112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 101.60000000000002 m 503.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 449.5 99.60000000000002 m 503.5 99.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 112.60000000000002 m 562.5 112.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 101.60000000000002 m 562.5 101.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 99.60000000000002 m 562.5 99.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 675.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 408.50 675.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 467.00 675.00 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.50 675.00 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 662.91 Td (Interest income:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 651.91 Td (Loans:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 640.91 Td (Taxable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 640.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 640.91 Td (467,877) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 640.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 640.91 Td (404,324) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 640.91 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 640.91 Td (292,028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 629.91 Td (Nontaxable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 629.91 Td (11,120) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 629.91 Td (9,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 629.91 Td (9,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 618.91 Td (Investment securities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 607.91 Td (Taxable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 607.91 Td (35,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 607.91 Td (39,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 607.91 Td (38,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 596.91 Td (Nontaxable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 596.91 Td (42,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 596.91 Td (40,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 596.91 Td (34,791) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 585.91 Td (Federal funds sold) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 585.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 585.91 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 585.91 Td (25) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 574.91 Td (Other interest earning accounts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 574.91 Td (587) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 574.91 Td (318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 574.91 Td (663) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 83.00 564.00 Td (Total interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 563.86 Td (557,177) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 563.86 Td (494,234) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 563.86 Td (375,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 551.91 Td (Interest expense:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 540.91 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 540.91 Td (25,579) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 540.91 Td (19,658) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 540.91 Td (17,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 529.91 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 529.91 Td (4,195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 529.91 Td (1,412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 529.91 Td (780) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 518.91 Td (Long-term borrowings and junior subordinated notes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 518.91 Td (9,512) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 518.91 Td (7,558) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 518.91 Td (6,518) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 83.00 508.00 Td (Total interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 507.86 Td (39,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 507.86 Td (28,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 507.86 Td (24,325) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 496.00 Td (Net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 495.86 Td (517,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 495.86 Td (465,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 495.86 Td (350,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 483.91 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 483.91 Td (19,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 483.91 Td (21,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 483.91 Td (12,052) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 83.00 473.00 Td (Net interest income after provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 472.86 Td (498,328) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 472.86 Td (444,220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 472.86 Td (338,771) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 460.91 Td (Non-interest income:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 449.91 Td (Mortgage banking revenue) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 449.91 Td (148,469) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 449.91 Td (117,426) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 449.91 Td (46,149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 438.91 Td (Lease financing, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 438.91 Td (73,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 438.91 Td (76,581) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 438.91 Td (64,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 427.91 Td (Commercial deposit and treasury management fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 427.91 Td (50,620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 427.91 Td (45,283) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 427.91 Td (34,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 416.91 Td (Trust and asset management fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 416.91 Td (32,872) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 416.91 Td (23,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 416.91 Td (21,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 405.91 Td (Card fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 405.91 Td (16,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 405.91 Td (15,322) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 405.91 Td (13,741) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 394.91 Td (Capital markets and international banking fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 394.91 Td (13,332) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 394.91 Td (8,148) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 394.91 Td (5,458) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 383.91 Td (Consumer and other deposit service fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 383.91 Td (13,308) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 383.91 Td (13,282) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 383.91 Td (12,788) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 372.91 Td (Brokerage fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 372.91 Td (4,654) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 372.91 Td (5,754) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 372.91 Td (5,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 361.91 Td (Loan service fees) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 361.91 Td (7,457) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 361.91 Td (6,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 361.91 Td (4,814) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 350.91 Td (Increase in cash surrender value of life insurance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 350.91 Td (4,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 350.91 Td (3,391) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 350.91 Td (3,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 339.91 Td (Net gain \(loss\) on investment securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 428.50 339.91 Td (447) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 483.50 339.91 Td (\(176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 339.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 535.75 339.91 Td (\(2,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 339.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 328.91 Td (Net \(loss\) gain on disposals of other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.50 328.91 Td (\(794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 328.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.50 328.91 Td (\(2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 328.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 328.91 Td (3,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 317.91 Td (Gain on extinguishment of debt) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 317.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 317.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 317.91 Td (1,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 306.91 Td (Other operating income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 306.91 Td (10,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 306.91 Td (7,280) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 306.91 Td (6,512) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 296.00 Td (Total non-interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 295.86 Td (374,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 295.86 Td (322,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 295.86 Td (221,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 283.91 Td (Non-interest expenses:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 272.91 Td (Salaries and employee benefits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 272.91 Td (400,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 272.91 Td (343,531) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 272.91 Td (255,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 261.91 Td (Occupancy and equipment expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 261.91 Td (57,130) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 261.91 Td (50,510) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 261.91 Td (44,910) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 250.91 Td (Computer services and telecommunication expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 250.91 Td (43,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 250.91 Td (34,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 250.91 Td (31,678) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 239.91 Td (Advertising and marketing expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 239.91 Td (11,971) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 239.91 Td (10,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 239.91 Td (8,854) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 228.91 Td (Professional and legal expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 228.91 Td (12,879) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 228.91 Td (11,053) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 228.91 Td (14,652) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 217.91 Td (Other intangibles amortization expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 217.91 Td (7,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 217.91 Td (6,115) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 217.91 Td (5,501) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 206.91 Td (Branch exit and facilities impairment charges) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 206.91 Td (\(2,709) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 206.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 206.91 Td (8,515) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 206.91 Td (2,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 195.91 Td (Net \(gain\) loss recognized on other real estate owned and other related expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 418.75 195.91 Td (\(1,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 195.91 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 195.91 Td (1,468) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 195.91 Td (3,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 184.91 Td (Prepayment fees on interest bearing liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 433.00 184.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 184.91 Td (85) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 184.91 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 173.91 Td (Other operating expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 173.91 Td (90,905) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 173.91 Td (68,352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 173.91 Td (69,368) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 163.00 Td (Total non-interest expenses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 162.86 Td (619,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 162.86 Td (534,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 162.86 Td (436,782) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 83.00 151.00 Td (Income before income taxes) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 150.86 Td (253,380) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 150.86 Td (232,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 150.86 Td (123,294) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 138.91 Td (Income tax expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.25 138.91 Td (79,244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 138.91 Td (73,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 138.91 Td (37,193) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 83.00 128.00 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 127.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 412.75 127.86 Td (174,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.00 127.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 127.86 Td (158,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 127.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 127.86 Td (86,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 115.86 Td (Dividends on preferred shares) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 115.86 Td (8,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.75 115.86 Td (8,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 115.86 Td (4,000) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 104.00 Td (Net income available to common stockholders) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 393.00 103.86 Td ($) Tj ET Q 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270.79999999999995 l s BT /F2 7.00 Tf ET q 0 0 0 rg BT 224.55 629.86 Td (Preferred) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 230.60 622.86 Td (Stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 265.15 629.86 Td (Common) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 270.60 622.86 Td (Stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.05 636.86 Td (Additional) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 308.10 629.86 Td (Paid-in) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 307.90 622.86 Td (Capital) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 345.55 629.86 Td (Retained) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 345.35 622.86 Td (Earnings) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 386.65 650.86 Td (Accumulated) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 397.60 643.86 Td (Other) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 383.20 636.86 Td (Comprehensive) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 394.50 629.86 Td (Income,) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 391.10 622.86 Td (NetofTax) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 440.50 629.86 Td (Treasury) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 445.60 622.86 Td (Stock) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 477.50 629.86 Td (Noncontrolling) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 488.40 622.86 Td (Interest) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 530.40 636.86 Td (TotalStock-) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 536.50 629.86 Td (holders) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 538.35 622.86 Td (Equity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 610.85 Td (Balance at December 31, 2013) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 222.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 610.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 262.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 286.15 610.85 Td (551) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 302.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 313.85 610.85 Td (738,053) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 342.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.85 610.85 Td (581,998) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 382.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 415.90 610.85 Td (8,383) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 437.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 453.55 610.90 Td (\(3,747) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 610.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 507.90 610.85 Td (1,444) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.00 610.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.60 610.85 Td (1,326,682) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 598.85 Td (Net income) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 598.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 598.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 598.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 357.40 598.85 Td (86,101) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 598.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 598.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 513.15 598.85 Td (291) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.40 598.85 Td (86,392) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 586.85 Td (Other comprehensive income, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 412.40 586.85 Td (11,973) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 586.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.40 586.85 Td (11,973) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 574.85 Td (Issuance of preferred stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 574.85 Td (115,280) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 574.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.90 574.85 Td (115,280) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 562.85 Td (Issuance of common stock due to business combination) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 562.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 286.15 562.85 Td (196) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 313.85 562.85 Td (518,796) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 562.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 562.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 562.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 562.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.90 562.85 Td (518,992) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 550.85 Td (Cash dividends declared on preferred shares) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 358.55 550.90 Td (\(4,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 376.65 550.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 550.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.55 550.85 Td (\(4,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 550.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 539.45 Td (Cash dividends declared on common shares \($0.52 per) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 532.45 Td (share\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 355.05 532.90 Td (\(34,422) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 376.65 532.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 532.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.05 532.85 Td (\(34,422) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 532.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 520.85 Td (Restricted common stock activity, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 520.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 293.15 520.85 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 520.85 Td (812) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 520.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 520.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 520.85 Td (60) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 520.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 558.15 520.85 Td (874) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 508.85 Td (Stock option activity, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 508.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 293.15 508.85 Td (2) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 508.85 Td (529) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 508.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 508.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 508.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 508.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 558.15 508.85 Td (531) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 496.85 Td (Repurchase of common shares in connection with employee) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 489.85 Td (benefit plans and held in trust for deferred compensation) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 482.85 Td (plan) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 482.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 482.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 482.85 Td (597) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 482.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 482.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 453.55 482.90 Td (\(3,287) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 482.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 482.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.55 482.85 Td (\(2,690) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 482.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 470.85 Td (Stock-based compensation expense) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 320.90 470.85 Td (8,974) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 470.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.90 470.85 Td (8,974) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 458.85 Td (Distributions to noncontrolling interest) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 458.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.80 458.90 Td (\(300) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 523.65 458.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 555.80 458.85 Td (\(300) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 458.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 446.85 Td (Balance at December 31, 2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 222.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 446.85 Td (115,280) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 262.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 286.15 446.85 Td (751) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 302.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 308.60 446.85 Td (1,267,761) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 342.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.85 446.85 Td (629,677) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 382.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 412.40 446.85 Td (20,356) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 437.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 453.55 446.90 Td (\(6,974) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 446.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 507.90 446.85 Td (1,435) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.00 446.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.60 446.85 Td (2,028,286) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 427.85 Td (Net income) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 427.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 427.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 427.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.85 427.85 Td (158,948) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 427.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 427.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 513.15 427.85 Td (258) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.90 427.85 Td (159,206) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 415.85 Td (Other comprehensive loss, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.55 415.90 Td (\(4,579) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.65 415.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 415.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.55 415.85 Td (\(4,579) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 415.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 403.85 Td (Issuance of common stock due to business combination) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 403.85 Td (218) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 403.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 558.15 403.85 Td (218) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 391.85 Td (Cash dividends declared on preferred shares) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 358.55 391.90 Td (\(8,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 376.65 391.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 391.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.55 391.85 Td (\(8,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 391.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 380.45 Td (Cash dividends declared on common shares \($0.65 per) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 373.45 Td (share\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 355.05 373.90 Td (\(48,813) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 376.65 373.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 373.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.05 373.85 Td (\(48,813) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 373.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 361.85 Td (Restricted common stock activity, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 361.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 293.15 361.85 Td (5) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 318.55 361.90 Td (\(1,804) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 336.65 361.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 361.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 361.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 455.90 361.85 Td (2,876) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 361.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.90 361.85 Td (1,077) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 349.85 Td (Stock option activity, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 323.80 349.90 Td (\(247) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 336.65 349.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 349.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 555.80 349.85 Td (\(247) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 349.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 337.85 Td (Repurchase of common shares) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 450.05 337.90 Td (\(49,963) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 337.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 337.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.05 337.85 Td (\(49,963) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 337.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 325.85 Td (Repurchase of common shares in connection with employee) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 318.85 Td (benefit plans and held in trust for deferred compensation) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 311.85 Td (plan) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 311.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 311.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 311.85 Td (819) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 311.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 311.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 453.55 311.90 Td (\(4,443) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 311.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 311.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.55 311.85 Td (\(3,624) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 311.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 299.85 Td (Stock-based compensation expense) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 317.40 299.85 Td (14,123) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 299.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 549.40 299.85 Td (14,123) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 287.85 Td (Distributions to noncontrolling interest) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 287.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 510.80 287.90 Td (\(400) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 523.65 287.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 555.80 287.85 Td (\(400) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 287.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 275.85 Td (Balance at December 31, 2015) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 222.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 233.85 275.85 Td (115,280) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 262.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 286.15 275.85 Td (756) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 302.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 308.60 275.85 Td (1,280,870) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 342.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.85 275.85 Td (731,812) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 382.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 412.40 275.85 Td (15,777) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 437.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 450.05 275.90 Td (\(58,504) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 471.65 275.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 477.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 507.90 275.85 Td (1,293) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.00 275.85 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.60 275.85 Td (2,087,284) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 261.80 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 261.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 261.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 261.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 261.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 261.80 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 261.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 261.80 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 261.80 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 237.80 178.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 237.80 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 237.80 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 237.80 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 237.80 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 237.80 55.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 237.80 40.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 237.80 52.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 237.80 45.00 -19.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 206.80 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 206.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 206.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 206.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 206.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 206.80 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 206.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 206.80 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 206.80 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 174.80 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 174.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 174.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 174.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 174.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 174.80 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 174.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 174.80 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 174.80 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 150.80 178.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 150.80 40.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 150.80 40.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 150.80 40.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 150.80 40.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 150.80 55.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 150.80 40.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 150.80 52.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 150.80 45.00 -26.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 112.80 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 112.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 112.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 112.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 112.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 112.80 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 112.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 112.80 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 112.80 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 41.50 88.80 178.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 219.50 88.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 259.50 88.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 299.50 88.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 88.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 379.50 88.80 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 434.50 88.80 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 88.80 52.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 526.50 88.80 45.00 -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 219.5 88.79999999999995 m 259.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 77.79999999999995 m 259.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 219.5 75.79999999999995 m 259.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 88.79999999999995 m 299.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 77.79999999999995 m 299.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 259.5 75.79999999999995 m 299.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 88.79999999999995 m 339.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 77.79999999999995 m 339.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 299.5 75.79999999999995 m 339.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 88.79999999999995 m 379.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 77.79999999999995 m 379.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 75.79999999999995 m 379.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 88.79999999999995 m 434.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 77.79999999999995 m 434.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 379.5 75.79999999999995 m 434.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 88.79999999999995 m 474.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 77.79999999999995 m 474.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 434.5 75.79999999999995 m 474.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 88.79999999999995 m 526.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 77.79999999999995 m 526.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 75.79999999999995 m 526.5 75.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 88.79999999999995 m 571.5 88.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 77.79999999999995 m 571.5 77.79999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 526.5 75.79999999999995 m 571.5 75.79999999999995 l s BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 253.85 Td (Net income) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 253.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 253.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 253.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 353.85 253.85 Td (174,136) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 253.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 253.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 513.15 253.85 Td (151) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.90 253.85 Td (174,287) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 241.85 Td (Other comprehensive loss, net of tax) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.05 241.90 Td (\(10,587) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 431.65 241.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 241.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 547.05 241.85 Td (\(10,587) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 568.65 241.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 229.85 Td (Issuance of preferred and common stock due to business) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 222.85 Td (combination) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 240.90 222.85 Td (1,227) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 222.85 Td (97) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 313.85 222.85 Td (383,775) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 222.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 222.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 222.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 222.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 545.90 222.85 Td (385,099) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 210.85 Td (Conversion of Series B preferred stock into common stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 243.80 210.85 Td (\(935) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 256.65 210.85 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 326.15 210.85 Td (935) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 369.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 424.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 464.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 516.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 561.65 210.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 44.00 198.85 Td (Cash dividends declared on preferred shares) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 249.65 198.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 289.65 198.85 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 329.65 198.85 Td () 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498.5 124.60000000000002 m 562.5 124.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 124.60000000000002 m 494.5 124.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 124.60000000000002 m 562.5 124.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 95.60000000000002 m 426.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 95.60000000000002 m 494.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 95.60000000000002 m 562.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 95.60000000000002 m 426.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 84.60000000000002 m 426.5 84.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 82.60000000000002 m 426.5 82.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 95.60000000000002 m 494.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 84.60000000000002 m 494.5 84.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 82.60000000000002 m 494.5 82.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 95.60000000000002 m 562.5 95.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 84.60000000000002 m 562.5 84.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 82.60000000000002 m 562.5 82.60000000000002 l s BT /F2 7.00 Tf ET q 0 0 0 rg BT 53.00 663.66 Td () Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 387.00 663.66 Td (2016) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 455.00 663.66 Td (2015) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 523.00 663.66 Td (2014) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 652.25 Td (Cash Flows From Operating Activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.00 652.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.00 652.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.00 652.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 642.30 Td (Net income) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 365.00 642.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 642.30 Td (174,136) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 433.00 642.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 642.30 Td (158,948) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 501.00 642.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 642.30 Td (86,101) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 633.30 Td (Adjustments to reconcile net income to net cash provided by operating activities:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 624.30 Td (Depreciation of premises and equipment and leased equipment) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 624.30 Td (75,013) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 624.30 Td (61,562) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 624.30 Td (60,067) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 615.30 Td (Facilities impairment charges) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 615.30 Td (\(2,709) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 615.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 475.90 615.30 Td (8,515) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 615.30 Td (2,270) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 606.30 Td (Compensation expense for share-based payment plans) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 606.30 Td (16,868) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 606.30 Td (14,123) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 606.30 Td (8,974) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 597.30 Td (Loss \(gain\) on sales of premises and equipment and leased equipment) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 413.15 597.30 Td (783) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 475.90 597.30 Td (2,446) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 597.30 Td (\(5,817) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 597.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 588.30 Td (Amortization of other intangibles) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.90 588.30 Td (7,305) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 475.90 588.30 Td (6,115) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 588.30 Td (5,501) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 579.30 Td (Provision for credit losses) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 579.30 Td (19,563) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 579.30 Td (21,386) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 579.30 Td (12,052) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 570.30 Td (Deferred income tax expense) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 570.30 Td (45,917) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 570.30 Td (39,573) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.30 570.30 Td (\(48) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 570.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 561.30 Td (Amortization of premiums and discounts on investment securities, net) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 561.30 Td (47,042) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 561.30 Td (48,670) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 561.30 Td (45,413) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 552.30 Td (Accretion of premiums and discounts on loans, net) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 552.30 Td (\(29,211) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 552.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 552.30 Td (\(36,651) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 552.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 552.30 Td (\(21,262) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 552.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 543.30 Td (Accretion of FDIC indemnification asset) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 416.65 543.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 482.30 543.30 Td (\(96) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 543.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 546.80 543.30 Td (\(112) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 543.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 534.30 Td (Net \(gain\) loss on investment securities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 410.80 534.30 Td (\(447) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 534.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.15 534.30 Td (176) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 534.30 Td (2,525) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 525.30 Td (Proceeds from sale of loans held for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 395.65 525.30 Td (6,687,670) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 525.30 Td (6,817,330) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.65 525.30 Td (2,213,914) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 516.30 Td (Origination of loans held for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 393.30 516.30 Td (\(6,630,361) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 516.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 461.30 516.30 Td (\(6,818,125) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 516.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.30 516.30 Td (\(2,266,636) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 516.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 507.30 Td (Net gain on sale of loans held for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 507.30 Td (\(28,896) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 507.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 507.30 Td (\(34,075) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 507.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 507.30 Td (\(12,022) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 507.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 498.30 Td (Origination of mortgage servicing rights) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 498.30 Td (\(68,428) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 498.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 498.30 Td (\(68,690) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 498.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 498.30 Td (\(21,217) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 498.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 489.30 Td (Change in fair value of mortgage servicing rights) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.90 489.30 Td (3,666) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 489.30 Td (33,648) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 489.30 Td (11,777) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 480.30 Td (Net \(gain\) loss on other real estate owned) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 480.30 Td (\(2,358) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 480.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.15 480.30 Td (969) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 480.30 Td (2,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 471.30 Td (Increase in cash surrender value of life insurance) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 471.30 Td (\(4,075) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 471.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 473.55 471.30 Td (\(3,391) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 471.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 471.30 Td (\(3,381) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 471.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 462.30 Td (Gain on extinguishment of debt) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 416.65 462.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 462.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 462.30 Td (\(1,895) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 462.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 453.30 Td (\(Increase\) decrease in other assets, net) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 398.55 453.30 Td (\(116,961) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 453.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 473.55 453.30 Td (\(9,644) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 453.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 453.30 Td (31,205) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 444.30 Td (Increase \(decrease\) in other liabilities, net) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 444.30 Td (57,112) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 444.30 Td (\(37,182) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 444.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 444.30 Td (18,434) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 83.00 435.36 Td (Net cash provided by operating activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 435.25 Td (251,629) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 435.25 Td (205,607) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 435.25 Td (167,843) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 425.25 Td (Cash Flows From Investing Activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.00 425.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.00 425.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.00 425.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 415.30 Td (Decrease in federal funds sold) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 416.65 415.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 415.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 415.30 Td (42,950) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 406.30 Td (Proceeds from sales of investment securities available for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 406.30 Td (28,024) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 406.30 Td (28,356) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 406.30 Td (512,878) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 397.30 Td (Proceeds from maturities and calls of investment securities available for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 397.30 Td (336,357) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 397.30 Td (284,895) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 397.30 Td (259,694) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 388.30 Td (Purchase of investment securities available for sale) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 388.30 Td (\(17,702) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 388.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.55 388.30 Td (\(276,664) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 388.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 388.30 Td (\(216,777) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 388.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 379.30 Td (Proceeds from maturities and calls of investment securities held to maturity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 379.30 Td (174,201) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 379.30 Td (83,061) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 379.30 Td (41,654) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 370.30 Td (Purchase of investment securities held to maturity) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 370.30 Td (\(31,410) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 370.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.55 370.30 Td (\(339,454) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 370.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 370.30 Td (\(122,859) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 370.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 361.30 Td (Purchase of non-marketable securities - FHLB and FRB stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 361.30 Td (\(60,316) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 361.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 361.30 Td (\(58,664) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 361.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 550.30 361.30 Td (\(15) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 361.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 352.30 Td (Redemption of non-marketable securities - FHLB and FRB stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 352.30 Td (47,273) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 352.30 Td (20,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 352.30 Td (26,483) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 343.30 Td (Net \(increase\) decrease in loans) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 393.30 343.30 Td (\(1,023,221) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 343.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.55 343.30 Td (\(663,235) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 343.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 343.30 Td (155,399) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 334.30 Td (Purchases in mortgage servicing rights) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 334.30 Td (\(5,087) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 334.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 478.80 334.30 Td (\(823) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 334.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 334.30 Td (\(1,096) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 334.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 325.30 Td (Proceeds from sale of mortgage servicing rights) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 416.65 325.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 325.30 Td (103,105) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.65 325.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 316.30 Td (Purchases of premises and equipment and leased equipment) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 398.55 316.30 Td (\(191,922) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 316.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.55 316.30 Td (\(111,124) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 316.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 316.30 Td (\(94,667) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 316.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 307.30 Td (Proceeds from sales of premises and equipment and leased equipment) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.90 307.30 Td (6,819) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 475.90 307.30 Td (5,374) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 307.30 Td (22,924) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 298.30 Td (Capital improvements on other real estate owned) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 414.30 298.30 Td (\(96) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 298.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 298.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.65 298.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 289.30 Td (Proceeds from sale of other real estate owned) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 289.30 Td (15,917) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 475.90 289.30 Td (7,407) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 289.30 Td (9,390) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 280.30 Td (Proceeds from sale of other real estate owned related to FDIC-assisted transactions) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.90 280.30 Td (8,968) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 280.30 Td (16,091) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 280.30 Td (17,049) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 271.30 Td (Net cash \(paid\) acquired in business acquisition) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 271.30 Td (\(9,010) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 271.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 271.30 Td (\(18,935) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 271.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 271.30 Td (25,174) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 262.30 Td (Purchase of additional investment in subsidiary from minority owners) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 262.30 Td (\(2,336) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 262.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 262.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 552.65 262.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 253.30 Td (Net payments for FDIC related covered assets) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 253.30 Td (\(4,113) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 253.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 253.30 Td (\(11,483) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 253.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 253.30 Td (\(3,620) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 253.30 Td (\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 83.00 244.36 Td (Net cash \(used in\) provided by investing activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 398.55 244.30 Td (\(727,654) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 244.25 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 466.55 244.30 Td (\(932,093) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 244.25 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 244.25 Td (674,561) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 234.30 Td (Cash Flows From Financing Activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 225.30 Td (Net increase \(decrease\) in deposits) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 225.30 Td (215,906) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 225.30 Td (514,273) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 225.30 Td (\(343,530) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 225.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 216.30 Td (Proceeds from short-term borrowings - FHLB advances) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 395.65 216.30 Td (3,175,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 463.65 216.30 Td (1,950,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 531.65 216.30 Td (1,050,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 207.30 Td (Principal paid on short-term borrowings - FHLB advances) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 393.30 207.30 Td (\(2,975,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 207.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 461.30 207.30 Td (\(1,875,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 207.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.30 207.30 Td (\(1,480,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 207.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 198.30 Td (Net increase \(decrease\) in short-term borrowings - other) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 198.30 Td (15,246) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 473.55 198.30 Td (\(1,284) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 198.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 198.30 Td (\(167,774) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 198.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 189.30 Td (Proceeds from long-term borrowings) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 189.30 Td (267,359) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 189.30 Td (339,590) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 540.40 189.30 Td (33,816) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 180.30 Td (Principal paid on long-term borrowings) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 180.30 Td (\(71,845) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 180.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 180.30 Td (\(22,232) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 180.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 180.30 Td (\(13,059) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 180.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 171.30 Td (Redemption of junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 416.65 171.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 484.65 171.30 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 171.30 Td (\(45,369) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 171.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 162.30 Td (Treasury stock transactions, net) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 162.30 Td (\(3,837) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 162.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 162.30 Td (\(53,587) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 162.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 162.30 Td (\(2,690) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 162.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 153.30 Td (Stock options exercised) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 407.90 153.30 Td (1,410) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 481.15 153.30 Td (499) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 543.90 153.30 Td (1,034) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 144.30 Td (Dividends paid on preferred stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 405.55 144.30 Td (\(8,009) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 144.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 473.55 144.30 Td (\(8,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 144.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 541.55 144.30 Td (\(2,000) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 144.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 135.30 Td (Dividends paid on common stock) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 402.05 135.30 Td (\(58,177) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.65 135.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 470.05 135.30 Td (\(48,413) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.65 135.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 538.05 135.30 Td (\(34,210) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 135.30 Td (\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 83.00 126.41 Td (Net cash provided by \(used in\) financing activities) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 126.30 Td (558,053) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 126.30 Td (795,846) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 529.30 126.30 Td (\(1,003,782) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 126.30 Td (\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 83.00 117.41 Td (Net increase \(decrease\) in cash and cash equivalents) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 365.00 117.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 404.40 117.30 Td (82,028) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 433.00 117.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 472.40 117.30 Td (69,360) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 501.00 117.30 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 534.55 117.30 Td (\(161,378) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.65 117.30 Td (\)) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 53.00 108.25 Td (Cash and cash equivalents:) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 423.00 108.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 491.00 108.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 559.00 108.25 Td () Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 98.25 Td (Beginning of year) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 98.25 Td (381,441) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 98.25 Td (312,081) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 98.25 Td (473,459) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 59.00 87.65 Td (End of year) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 365.00 87.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 400.90 87.65 Td (463,469) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 433.00 87.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 468.90 87.65 Td (381,441) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 501.00 87.65 Td ($) Tj ET Q BT /F1 7.00 Tf ET q 0 0 0 rg BT 536.90 87.65 Td (312,081) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 155 0 obj <> endobj 156 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (77) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.45 742.25 Td (MB FINANCIAL,INC.& SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 158.65 730.25 Td (CONSOLIDA) Tj ET Q q 0 0 0 rg BT 218.47 730.25 Td (TED ST) Tj ET Q q 0 0 0 rg BT 253.03 730.25 Td (A) Tj ET Q q 0 0 0 rg BT 259.50 730.25 Td (TEMENTS OF) Tj ET Q q 0 0 0 rg BT 324.42 730.25 Td ( CASH FLOWS - \(Continued\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 203.00 718.25 Td (Y) Tj ET Q q 0 0 0 rg BT 209.11 718.25 Td (ears Ended ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 259.67 718.25 Td (December) Tj ET Q q 0 0 0 rg BT 302.80 718.25 Td (31, 2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 340.30 718.25 Td (, ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 345.30 718.25 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 365.30 718.25 Td (, and ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 388.92 718.25 Td (2014) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 408.92 718.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 253.25 706.25 Td (\(Amounts in ) Tj ET Q q 0 0 0 rg BT 308.64 706.25 Td (Thousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 659.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 659.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 659.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 659.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 659.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 659.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 659.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 635.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 635.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 635.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 635.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 635.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 635.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 635.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 611.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 611.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 611.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 611.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 611.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 611.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 611.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 587.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 587.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 587.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 587.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 587.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 587.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 587.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 563.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 563.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 563.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 563.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 563.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 539.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 539.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 539.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 539.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 539.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 539.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 539.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 515.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 515.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 515.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 515.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 515.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 515.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 515.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 491.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 491.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 491.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 491.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 491.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 491.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 491.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 467.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 467.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 467.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 467.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 467.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 467.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 443.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 443.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 443.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 443.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 443.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 443.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 443.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 419.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 419.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 419.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 419.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 419.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 419.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 419.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 395.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 395.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 395.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 395.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 395.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 395.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 395.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 371.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 371.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 371.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 371.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 371.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 371.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 371.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 347.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 347.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 347.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 347.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 347.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 347.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 347.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 323.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 323.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 323.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 323.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 323.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 323.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 323.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 299.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 299.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 299.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 299.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 299.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 299.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 299.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 275.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 275.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 275.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 275.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 275.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 275.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 275.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 251.75 308.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 251.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 251.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 251.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 251.75 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 251.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 251.75 64.00 -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 362.5 659.75 m 426.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 659.75 m 494.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 659.75 m 562.5 659.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 323.75 m 426.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 323.75 m 494.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 323.75 m 562.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 323.75 m 426.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 311.75 m 426.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 323.75 m 494.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 311.75 m 494.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 323.75 m 562.5 323.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 311.75 m 562.5 311.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 239.75 m 426.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 239.75 m 494.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 239.75 m 562.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 239.75 m 426.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 227.75 m 426.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 239.75 m 494.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 227.75 m 494.5 227.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 239.75 m 562.5 239.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 227.75 m 562.5 227.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 663.83 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 386.00 663.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.00 663.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.00 663.83 Td (2014) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 651.83 Td (Supplemental Disclosures of Cash Flow Information:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 651.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 651.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 651.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 639.70 Td (Cash payments for:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 639.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 639.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 639.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 627.70 Td (Interest paid to depositors and other borrowed funds) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 627.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 627.70 Td (38,538) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 627.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 627.70 Td (29,151) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 627.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 627.70 Td (25,258) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 615.70 Td (Income tax payments, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 615.70 Td (14,188) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 615.70 Td (8,138) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 615.70 Td (23,040) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 603.83 Td (Supplemental Schedule of Noncash Investing Activities:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 603.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 603.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 603.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 591.70 Td (Investment securities held to maturity purchased not settled) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 591.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 408.60 591.70 Td (\(761) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.30 591.70 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 591.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 591.70 Td (761) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 591.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 591.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 579.70 Td (Transfer of investment securities held to maturity to investment securities available for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 579.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 579.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 579.70 Td (273,471) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 567.70 Td (Loans held for sale transferred to loans held for investment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 567.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 567.70 Td (33,613) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 567.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 555.70 Td (Loans transferred to other real estate owned) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.30 555.70 Td (4,945) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 555.70 Td (21,576) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 555.70 Td (2,133) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 543.70 Td (Loans transferred to other real estate owned related to FDIC-assisted transactions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.30 543.70 Td (2,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 543.70 Td (4,607) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 543.70 Td (16,337) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 531.70 Td (Loans transferred to repossessed vehicles) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.30 531.70 Td (3,072) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 531.70 Td (928) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 531.70 Td (1,019) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 519.70 Td (Operating leases rewritten as direct finance leases included as loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.30 519.70 Td (910) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 519.70 Td (7,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 519.70 Td (5,853) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 507.70 Td (Long-term borrowings transferred to short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 507.70 Td (300,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 507.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 507.70 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 495.83 Td (Supplemental Schedule of Noncash Investing Activities From Acquisitions:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 495.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 495.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 495.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 483.70 Td (Noncash assets acquired:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 483.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 483.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 483.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 471.70 Td (Investment securities available for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 471.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 471.70 Td (505,564) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 471.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 471.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 471.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 471.70 Td (826,691) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 459.70 Td (Investment securities held to maturity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 459.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 459.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 459.70 Td (22,599) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 447.70 Td (Non-marketable securities -FHLB and FRB stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 447.70 Td (16,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 447.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 447.70 Td (50,620) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 435.70 Td (Loans held for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 435.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 435.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 435.70 Td (670,671) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 423.70 Td (Loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 423.70 Td (1,940,702) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 423.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 423.70 Td (3,532,211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 411.70 Td (Lease investments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 411.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 411.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 411.70 Td (11,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 399.70 Td (Premises and equipment) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 399.70 Td (39,048) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 399.70 Td (519) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 399.70 Td (19,701) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 387.70 Td (Cash surrender value of life insurance) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 387.70 Td (59,917) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 387.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 387.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 375.70 Td (Goodwill) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 375.70 Td (275,968) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 375.70 Td (13,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 375.70 Td (288,152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 363.70 Td (Other intangibles) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 363.70 Td (25,452) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 363.70 Td (8,838) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 363.70 Td (20,079) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 351.70 Td (Mortgage servicing rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 415.30 351.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 351.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 351.70 Td (224,453) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 339.70 Td (Other real estate owned) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 405.30 339.70 Td (3,960) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 339.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 339.70 Td (4,720) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 327.70 Td (Other assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 327.70 Td (32,141) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 327.70 Td (744) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 327.70 Td (130,478) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.00 315.70 Td (Total noncash assets acquired) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 315.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 315.70 Td (2,898,752) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 315.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.30 315.70 Td (23,650) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 315.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 315.70 Td (5,802,260) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 303.70 Td (Liabilities assumed:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 423.00 303.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.00 303.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 303.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 291.70 Td (Deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 291.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 291.70 Td (2,389,327) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 291.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 291.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 291.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 291.70 Td (3,953,213) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 279.70 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 279.70 Td (48,305) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.30 279.70 Td (606) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 279.70 Td (1,035,800) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 267.70 Td (Long-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 267.70 Td (16,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 267.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 267.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 255.70 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 255.70 Td (28,075) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.30 255.70 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 255.70 Td (80,843) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 243.70 Td (Other liabilities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 243.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 401.30 243.70 Td (22,966) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 243.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 243.70 Td (4,109) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 243.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 243.70 Td (123,028) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 89.00 231.70 Td (Total liabilities assumed) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.00 231.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 391.25 231.70 Td (2,504,673) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.00 231.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.30 231.70 Td (4,715) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 501.00 231.70 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 231.70 Td (5,192,884) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 204.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 204.25 Td (See ) Tj ET Q q 0 0 0 rg BT 102.39 204.25 Td (Accompanying Notes to Consolidated Financial Statements.) Tj ET Q endstream endobj 157 0 obj <> endobj 158 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (78) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 213.45 730.25 Td (MB FINANCIAL,INC.& SUBSIDIARIES) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 175.30 718.25 Td (NOTES ) Tj ET Q q 0 0 0 rg BT 211.52 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 218.01 718.25 Td (O CONSOLIDA) Tj ET Q q 0 0 0 rg BT 288.11 718.25 Td (TED FINANCIAL) Tj ET Q q 0 0 0 rg BT 367.29 718.25 Td ( ST) Tj ET Q q 0 0 0 rg BT 381.28 718.25 Td (A) Tj ET Q q 0 0 0 rg BT 387.76 718.25 Td (TEMENTS) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 694.25 Td (Note 1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 694.25 Td ( Significant ) Tj ET Q q 0 0 0 rg BT 177.57 694.25 Td (Accounting Policies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 68.96 670.25 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 129.85 670.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 148.80 670.25 Td ("Company) Tj ET Q q 0 0 0 rg BT 191.12 670.25 Td (," ) Tj ET Q q 0 0 0 rg BT 201.10 670.25 Td ("we," ) Tj ET Q q 0 0 0 rg BT 226.83 670.25 Td ("us," ) Tj ET Q q 0 0 0 rg BT 249.78 670.25 Td ("our"\) ) Tj ET Q q 0 0 0 rg BT 278.01 670.25 Td (is ) Tj ET Q q 0 0 0 rg BT 288.08 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 295.92 670.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 334.31 670.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 368.27 670.25 Td (company ) Tj ET Q q 0 0 0 rg BT 408.32 670.25 Td (that ) Tj ET Q q 0 0 0 rg BT 426.72 670.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 464.56 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 472.40 670.25 Td (full ) Tj ET Q q 0 0 0 rg BT 489.69 670.25 Td (range ) Tj ET Q q 0 0 0 rg BT 515.30 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.03 670.25 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (services ) Tj ET Q q 0 0 0 rg BT 84.21 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 93.99 658.25 Td (individuals ) Tj ET Q q 0 0 0 rg BT 140.44 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 156.88 658.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 196.64 658.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 239.19 658.25 Td (through ) Tj ET Q q 0 0 0 rg BT 272.31 658.25 Td (its ) Tj ET Q q 0 0 0 rg BT 283.76 658.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 317.98 658.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 358.44 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 362.94 658.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 380.51 658.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 419.73 658.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 445.34 658.25 Td (N.A. ) Tj ET Q q 0 0 0 rg BT 466.79 658.25 Td (\("MB ) Tj ET Q q 0 0 0 rg BT 491.77 658.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 530.98 658.25 Td (Bank"\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.93 634.25 Td (Company) Tj ET Q q 0 0 0 rg BT 110.59 634.25 Td (s ) Tj ET Q q 0 0 0 rg BT 117.86 634.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 152.90 634.25 Td (market ) Tj ET Q q 0 0 0 rg BT 184.04 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 194.09 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 209.68 634.25 Td (Chicago,Illinois ) Tj ET Q q 0 0 0 rg BT 279.72 634.25 Td (metropolitan ) Tj ET Q q 0 0 0 rg BT 334.20 634.25 Td (area, ) Tj ET Q q 0 0 0 rg BT 356.72 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 367.88 634.25 Td (which ) Tj ET Q q 0 0 0 rg BT 395.70 634.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 414.64 634.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 455.23 634.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 479.72 634.25 Td (operates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.41 634.25 Td (95) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.41 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 529.79 634.25 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 622.25 Td (fices ) Tj ET Q q 0 0 0 rg BT 79.53 622.25 Td (through ) Tj ET Q q 0 0 0 rg BT 113.13 622.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 131.20 622.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 170.91 622.25 Td (Bank. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 69.16 598.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 109.98 598.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 137.19 598.25 Td (our ) Tj ET Q q 0 0 0 rg BT 154.12 598.25 Td (lar) Tj ET Q q 0 0 0 rg BT 164.49 598.25 Td (gest ) Tj ET Q q 0 0 0 rg BT 184.20 598.25 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 224.66 598.25 Td (, ) Tj ET Q q 0 0 0 rg BT 230.76 598.25 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.69 598.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.35 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 267.96 598.25 Td (wholly ) Tj ET Q q 0 0 0 rg BT 299.34 598.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 329.60 598.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 380.42 598.25 Td (with ) Tj ET Q q 0 0 0 rg BT 401.80 598.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 447.61 598.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 488.98 598.25 Td (activities: ) Tj ET Q q 0 0 0 rg BT 531.46 598.25 Td (LaSalle ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (Systems ) Tj ET Q q 0 0 0 rg BT 85.99 586.25 Td (Leasing,Inc., ) Tj ET Q q 0 0 0 rg BT 143.07 586.25 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 169.61 586.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 203.92 586.25 Td (Corp., ) Tj ET Q q 0 0 0 rg BT 231.57 586.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 249.79 586.25 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 296.32 586.25 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 333.13 586.25 Td (LLC ) Tj ET Q q 0 0 0 rg BT 354.67 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 371.76 586.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 392.89 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 395.54 586.25 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 437.36 586.25 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 461.40 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 464.06 586.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 482.27 586.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 522.14 586.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 545.90 586.25 Td (also ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (has ) Tj ET Q q 0 0 0 rg BT 65.83 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 72.77 574.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 109.15 574.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 138.31 574.25 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 181.92 574.25 Td (with ) Tj ET Q q 0 0 0 rg BT 202.20 574.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 246.91 574.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 287.17 574.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 328.27 574.25 Td (Cedar ) Tj ET Q q 0 0 0 rg BT 354.65 574.25 Td (Hill ) Tj ET Q q 0 0 0 rg BT 372.15 574.25 Td (Associates, ) Tj ET Q q 0 0 0 rg BT 419.92 574.25 Td (LLC. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td () 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 50 548.9169921875 m 221.806640625 548.9169921875 l s q 0 0 0 rg BT 50.00 550.25 Td (Basis ) Tj ET Q q 0 0 0 rg BT 74.77 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 86.20 550.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 126.51 550.25 Td (Statement ) Tj ET Q q 0 0 0 rg BT 169.59 550.25 Td (Presentation:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.81 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 224.68 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 243.33 550.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 296.97 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 335.04 550.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 380.35 550.25 Td (include ) Tj ET Q q 0 0 0 rg BT 412.89 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.20 550.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 466.28 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 477.71 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.03 550.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 535.01 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 552.55 550.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 103.65 538.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 148.96 538.25 Td (intercompany ) Tj ET Q q 0 0 0 rg BT 205.37 538.25 Td (items ) Tj ET Q q 0 0 0 rg BT 228.47 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.34 538.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 293.53 538.25 Td (have ) Tj ET Q q 0 0 0 rg BT 313.84 538.25 Td (been ) Tj ET Q q 0 0 0 rg BT 334.15 538.25 Td (eliminated ) Tj ET Q q 0 0 0 rg BT 377.78 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 386.99 538.25 Td (consolidation. ) Tj ET Q q 0 0 0 rg BT 447.20 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 464.18 538.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 509.48 538.25 Td (and ) 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 (policies ) Tj ET Q q 0 0 0 rg BT 82.85 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 92.93 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 106.89 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 147.53 526.25 Td (conform ) Tj ET Q q 0 0 0 rg BT 183.15 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 192.68 526.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 238.30 526.25 Td (principles ) Tj ET Q q 0 0 0 rg BT 279.48 526.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 318.43 526.25 Td (accepted ) Tj ET Q q 0 0 0 rg BT 355.15 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.68 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 378.64 526.25 Td (United ) Tj ET Q q 0 0 0 rg BT 407.61 526.25 Td (States ) Tj ET Q q 0 0 0 rg BT 433.24 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 442.93 526.25 Td (America ) Tj ET Q q 0 0 0 rg BT 479.11 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 495.29 526.25 Td (general ) Tj ET Q q 0 0 0 rg BT 526.46 526.25 Td (practices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (within ) Tj ET Q q 0 0 0 rg BT 78.61 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 93.89 514.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 131.93 514.25 Td (services ) Tj ET Q q 0 0 0 rg BT 167.19 514.25 Td (industry) Tj ET Q q 0 0 0 rg BT 199.32 514.25 Td (. ) Tj ET Q q 0 0 0 rg BT 207.38 514.25 Td (In ) Tj ET Q q 0 0 0 rg BT 218.77 514.25 Td (accordance ) Tj ET Q q 0 0 0 rg BT 266.79 514.25 Td (with ) Tj ET Q q 0 0 0 rg BT 287.62 514.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 331.77 514.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 378.70 514.25 Td (standards, ) Tj ET Q q 0 0 0 rg BT 422.03 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.30 514.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 479.25 514.25 Td (does ) Tj ET Q q 0 0 0 rg BT 500.64 514.25 Td (not ) Tj ET Q q 0 0 0 rg BT 516.47 514.25 Td (consolidate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 87.18 502.25 Td (trusts ) Tj ET Q q 0 0 0 rg BT 111.04 502.25 Td (established ) Tj ET Q q 0 0 0 rg BT 157.66 502.25 Td (for ) Tj ET Q q 0 0 0 rg BT 171.50 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 185.91 502.25 Td (sole ) Tj ET Q q 0 0 0 rg BT 204.20 502.25 Td (purpose ) Tj ET Q q 0 0 0 rg BT 238.05 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.57 502.25 Td (issuing ) Tj ET Q q 0 0 0 rg BT 279.09 502.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 299.06 502.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 337.88 502.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 377.83 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.46 502.25 Td (related ) Tj ET Q q 0 0 0 rg BT 423.84 502.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 443.81 502.25 Td (common ) Tj ET Q q 0 0 0 rg BT 480.99 502.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 525.94 502.25 Td (See ) Tj ET Q q 0 0 0 rg BT 542.57 502.25 Td (Note ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (12 ) Tj ET Q q 0 0 0 rg BT 62.39 490.25 Td (below ) Tj ET Q q 0 0 0 rg BT 89.22 490.25 Td (for ) Tj ET Q q 0 0 0 rg BT 103.27 490.25 Td (more ) Tj ET Q q 0 0 0 rg BT 126.20 490.25 Td (detail. ) Tj ET Q q 0 0 0 rg BT 155.80 490.25 Td (In ) Tj ET Q q 0 0 0 rg BT 166.52 490.25 Td (preparing ) Tj ET Q q 0 0 0 rg BT 207.23 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.83 490.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 259.20 490.25 Td (statements, ) Tj ET Q q 0 0 0 rg BT 306.30 490.25 Td (management ) Tj ET Q q 0 0 0 rg BT 359.78 490.25 Td (is ) Tj ET Q q 0 0 0 rg BT 368.84 490.25 Td (required ) Tj ET Q q 0 0 0 rg BT 404.55 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 414.71 490.25 Td (make ) Tj ET Q q 0 0 0 rg BT 438.76 490.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 478.36 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 495.19 490.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 547.02 490.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (af) Tj ET Q q 0 0 0 rg BT 57.59 478.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 75.57 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 90.79 478.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 127.10 478.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 163.99 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 175.32 478.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 201.65 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 219.09 478.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 259.30 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 270.63 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 281.96 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.18 478.25 Td (date ) Tj ET Q q 0 0 0 rg BT 316.83 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 328.16 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.38 478.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 376.91 478.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 400.46 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 417.90 478.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 456.43 478.25 Td (and ) Tj ET Q q 0 0 0 rg BT 473.87 478.25 Td (expenses ) Tj ET Q q 0 0 0 rg BT 512.97 478.25 Td (for ) Tj ET Q q 0 0 0 rg BT 527.63 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.84 478.25 Td (year) Tj ET Q q 0 0 0 rg BT 559.50 478.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Actual ) Tj ET Q q 0 0 0 rg BT 78.96 466.25 Td (results ) Tj ET Q q 0 0 0 rg BT 107.38 466.25 Td (could ) Tj ET Q q 0 0 0 rg BT 131.90 466.25 Td (dif) Tj ET Q q 0 0 0 rg BT 142.83 466.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 156.24 466.25 Td (from ) Tj ET Q q 0 0 0 rg BT 177.98 466.25 Td (those ) Tj ET Q q 0 0 0 rg BT 201.40 466.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 245.41 466.25 Td (Areas ) Tj ET Q q 0 0 0 rg BT 271.03 466.25 Td (involving ) Tj ET Q q 0 0 0 rg BT 311.68 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.20 466.25 Td (use ) Tj ET Q q 0 0 0 rg BT 341.84 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 352.47 466.25 Td (management) Tj ET Q q 0 0 0 rg BT 406.34 466.25 Td (s ) Tj ET Q q 0 0 0 rg BT 412.54 466.25 Td (estimates ) Tj ET Q q 0 0 0 rg BT 452.06 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 468.80 466.25 Td (assumptions, ) Tj ET Q q 0 0 0 rg BT 523.06 466.25 Td (which ) Tj ET Q q 0 0 0 rg BT 549.81 466.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (more ) Tj ET Q q 0 0 0 rg BT 73.89 454.25 Td (susceptible ) Tj ET Q q 0 0 0 rg BT 121.67 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 132.80 454.25 Td (change ) Tj ET Q q 0 0 0 rg BT 164.46 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 175.58 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 191.15 454.25 Td (near ) Tj ET Q q 0 0 0 rg BT 211.70 454.25 Td (term ) Tj ET Q q 0 0 0 rg BT 233.37 454.25 Td (include ) Tj ET Q q 0 0 0 rg BT 266.15 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 281.71 454.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 325.59 454.25 Td (for ) Tj ET Q q 0 0 0 rg BT 340.60 454.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 361.16 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 378.95 454.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 402.28 454.25 Td (losses; ) Tj ET Q q 0 0 0 rg BT 432.29 454.25 Td (residual ) Tj ET Q q 0 0 0 rg BT 467.30 454.25 Td (value ) Tj ET Q q 0 0 0 rg BT 492.30 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 503.97 454.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 530.08 454.25 Td (finance, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (leveraged, ) Tj ET Q q 0 0 0 rg BT 93.25 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 109.58 442.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 149.23 442.25 Td (leases; ) Tj ET Q q 0 0 0 rg BT 177.78 442.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 216.88 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 227.10 442.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 266.75 442.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 305.30 442.25 Td (rights; ) Tj ET Q q 0 0 0 rg BT 332.74 442.25 Td (income ) Tj ET Q q 0 0 0 rg BT 364.07 442.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 378.17 442.25 Td (accounting; ) Tj ET Q q 0 0 0 rg BT 426.71 442.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 442.48 442.25 Td (value ) Tj ET Q q 0 0 0 rg BT 466.03 442.25 Td (measurements ) Tj ET Q q 0 0 0 rg BT 525.12 442.25 Td (for ) Tj ET Q q 0 0 0 rg BT 538.67 442.25 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 430.25 Td (liabilities; ) Tj ET Q q 0 0 0 rg BT 109.43 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 126.37 430.25 Td (goodwill.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td () 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 50 404.9169921875 m 158.056640625 404.9169921875 l s q 0 0 0 rg BT 50.00 406.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 72.51 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 89.46 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 109.74 406.25 Td (equivalents:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 158.06 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 160.57 406.25 Td (For ) Tj ET Q q 0 0 0 rg BT 176.97 406.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 215.03 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 225.87 406.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 265.03 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 285.31 406.25 Td (flows, ) Tj ET Q q 0 0 0 rg BT 312.54 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 332.82 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.77 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 370.05 406.25 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 418.10 406.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 453.94 406.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 474.21 406.25 Td (on ) Tj ET Q q 0 0 0 rg BT 486.72 406.25 Td (hand, ) Tj ET Q q 0 0 0 rg BT 511.17 406.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 547.57 406.25 Td (due ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (from ) Tj ET Q q 0 0 0 rg BT 71.66 394.25 Td (banks ) Tj ET Q q 0 0 0 rg BT 97.20 394.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 140.52 394.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 160.51 394.25 Td (items ) Tj ET Q q 0 0 0 rg BT 184.39 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 194.38 394.25 Td (process ) Tj ET Q q 0 0 0 rg BT 226.59 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.14 394.25 Td (clearing\), ) Tj ET Q q 0 0 0 rg BT 277.39 394.25 Td (interest-bearing ) Tj ET Q q 0 0 0 rg BT 342.35 394.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 377.35 394.25 Td (with ) Tj ET Q q 0 0 0 rg BT 397.34 394.25 Td (banks, ) Tj ET Q q 0 0 0 rg BT 425.39 394.25 Td (with ) Tj ET Q q 0 0 0 rg BT 445.39 394.25 Td (original ) Tj ET Q q 0 0 0 rg BT 478.71 394.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 520.91 394.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.46 394.25 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.46 394.25 Td ( ) Tj ET Q q 0 0 0 rg BT 543.68 394.25 Td (days ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 382.25 Td (less.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td () 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 50 356.9169921875 m 136.4052734375 356.9169921875 l s q 0 0 0 rg BT 50.00 358.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 95.86 358.25 Td (securities:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.41 358.25 Td ( ) Tj ET Q q 0 0 0 rg BT 137.83 358.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 178.70 358.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 217.89 358.25 Td (as ) Tj ET Q q 0 0 0 rg BT 227.65 358.25 Td (available ) Tj ET Q q 0 0 0 rg BT 265.17 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 278.26 358.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 295.24 358.25 Td (are ) Tj ET Q q 0 0 0 rg BT 308.87 358.25 Td (those ) Tj ET Q q 0 0 0 rg BT 331.41 358.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 370.60 358.25 Td (that ) Tj ET Q q 0 0 0 rg BT 387.03 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.68 358.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 440.99 358.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 471.31 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 480.52 358.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 499.72 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 512.81 358.25 Td (an ) Tj ET Q q 0 0 0 rg BT 523.68 358.25 Td (indefinite ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (period ) Tj ET Q q 0 0 0 rg BT 78.09 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 88.96 346.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 111.77 346.25 Td (but ) Tj ET Q q 0 0 0 rg BT 127.08 346.25 Td (not ) Tj ET Q q 0 0 0 rg BT 142.40 346.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 189.37 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 199.68 346.25 Td (maturity) Tj ET Q q 0 0 0 rg BT 232.92 346.25 Td (. ) Tj ET Q q 0 0 0 rg BT 239.89 346.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 259.65 346.25 Td (decision ) Tj ET Q q 0 0 0 rg BT 295.52 346.25 Td (to ) Tj ET Q q 0 0 0 rg BT 305.84 346.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 322.26 346.25 Td (a ) Tj ET Q q 0 0 0 rg BT 329.24 346.25 Td (security ) Tj ET Q q 0 0 0 rg BT 363.43 346.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 403.74 346.25 Td (as ) Tj ET Q q 0 0 0 rg BT 414.61 346.25 Td (available ) Tj ET Q q 0 0 0 rg BT 453.23 346.25 Td (for ) Tj ET Q q 0 0 0 rg BT 467.43 346.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 485.52 346.25 Td (is ) Tj ET Q q 0 0 0 rg BT 494.73 346.25 Td (based ) Tj ET Q q 0 0 0 rg BT 520.04 346.25 Td (on ) Tj ET Q q 0 0 0 rg BT 532.57 346.25 Td (various ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (factors, ) Tj ET Q q 0 0 0 rg BT 82.77 334.25 Td (including ) Tj ET Q q 0 0 0 rg BT 123.61 334.25 Td (movements ) Tj ET Q q 0 0 0 rg BT 172.78 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 183.63 334.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 216.13 334.25 Td (rates, ) Tj ET Q q 0 0 0 rg BT 240.57 334.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 275.84 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 286.69 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 301.97 334.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 338.92 334.25 Td (mix ) Tj ET Q q 0 0 0 rg BT 357.54 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.94 334.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 395.34 334.25 Td (and ) Tj ET Q q 0 0 0 rg BT 412.84 334.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 455.63 334.25 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 492.58 334.25 Td (needs, ) Tj ET Q q 0 0 0 rg BT 520.92 334.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.66 322.25 Td (considerations, ) Tj ET Q q 0 0 0 rg BT 142.93 322.25 Td (and ) Tj ET Q q 0 0 0 rg BT 160.38 322.25 Td (other ) Tj ET Q q 0 0 0 rg BT 183.93 322.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 219.15 322.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 261.59 322.25 Td (available ) Tj ET Q q 0 0 0 rg BT 300.68 322.25 Td (for ) Tj ET Q q 0 0 0 rg BT 315.35 322.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 333.91 322.25 Td (are ) Tj ET Q q 0 0 0 rg BT 349.12 322.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 385.44 322.25 Td (at ) Tj ET Q q 0 0 0 rg BT 395.67 322.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 412.55 322.25 Td (value ) Tj ET Q q 0 0 0 rg BT 437.22 322.25 Td (with ) Tj ET Q q 0 0 0 rg BT 458.00 322.25 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 502.65 322.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 526.77 322.25 Td (or ) Tj ET Q q 0 0 0 rg BT 538.11 322.25 Td (losses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 84.95 310.25 Td (as ) Tj ET Q q 0 0 0 rg BT 94.91 310.25 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 147.07 310.25 Td (other ) Tj ET Q q 0 0 0 rg BT 169.24 310.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 231.41 310.25 Td (income, ) Tj ET Q q 0 0 0 rg BT 264.97 310.25 Td (net ) Tj ET Q q 0 0 0 rg BT 278.82 310.25 Td (of ) Tj ET Q q 0 0 0 rg BT 288.78 310.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.63 310.25 Td (related ) Tj ET Q q 0 0 0 rg BT 331.46 310.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 366.40 310.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 380.24 310.25 Td (ef) Tj ET Q q 0 0 0 rg BT 387.83 310.25 Td (fect. ) Tj ET Q q 0 0 0 rg BT 409.45 310.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 450.51 310.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 489.91 310.25 Td (as ) Tj ET Q q 0 0 0 rg BT 499.87 310.25 Td (held ) Tj ET Q q 0 0 0 rg BT 518.72 310.25 Td (to ) Tj ET Q q 0 0 0 rg BT 528.13 310.25 Td (maturity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 298.25 Td (those ) Tj ET Q q 0 0 0 rg BT 88.32 298.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 128.58 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 146.07 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 160.79 298.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.18 298.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 233.56 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 243.84 298.25 Td (hold ) Tj ET Q q 0 0 0 rg BT 264.12 298.25 Td (until ) Tj ET Q q 0 0 0 rg BT 284.96 298.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 321.34 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 338.28 298.25 Td (are ) Tj ET Q q 0 0 0 rg BT 352.98 298.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 388.80 298.25 Td (at ) Tj ET Q q 0 0 0 rg BT 398.52 298.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 441.00 298.25 Td (cost.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 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 68.20 274.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 108.07 274.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 126.84 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 137.83 274.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 157.70 274.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 198.12 274.25 Td (is ) Tj ET Q q 0 0 0 rg BT 207.45 274.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 243.43 274.25 Td (for ) Tj ET Q q 0 0 0 rg BT 257.75 274.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 310.95 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.94 274.25 Td (premiums ) Tj ET Q q 0 0 0 rg BT 364.59 274.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.68 274.25 Td (accretion ) Tj ET Q q 0 0 0 rg BT 420.98 274.25 Td (of ) Tj ET Q q 0 0 0 rg BT 431.97 274.25 Td (discounts ) Tj ET Q q 0 0 0 rg BT 472.41 274.25 Td (over ) Tj ET Q q 0 0 0 rg BT 492.83 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.71 274.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 548.69 274.25 Td (life ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.82 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.53 262.25 Td (security) Tj ET Q q 0 0 0 rg BT 106.54 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 111.53 262.25 Td (using ) Tj ET Q q 0 0 0 rg BT 135.69 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.40 262.25 Td (level-yield ) Tj ET Q q 0 0 0 rg BT 195.65 262.25 Td (method. ) Tj ET Q q 0 0 0 rg BT 233.14 262.25 Td (In ) Tj ET Q q 0 0 0 rg BT 243.96 262.25 Td (determining ) Tj ET Q q 0 0 0 rg BT 294.77 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 309.48 262.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 350.29 262.25 Td (life ) Tj ET Q q 0 0 0 rg BT 366.11 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 376.93 262.25 Td (a ) Tj ET Q q 0 0 0 rg BT 383.86 262.25 Td (mortgage-related ) Tj ET Q q 0 0 0 rg BT 454.65 262.25 Td (security) Tj ET Q q 0 0 0 rg BT 485.65 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 490.64 262.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 520.34 262.25 Td (judgments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (are ) Tj ET Q q 0 0 0 rg BT 65.67 250.25 Td (required ) Tj ET Q q 0 0 0 rg BT 102.44 250.25 Td (as ) Tj ET Q q 0 0 0 rg BT 114.24 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 125.47 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 141.15 250.25 Td (timing ) Tj ET Q q 0 0 0 rg BT 170.73 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.63 250.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 222.08 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 233.87 250.25 Td (future ) Tj ET Q q 0 0 0 rg BT 261.21 250.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 300.21 250.25 Td (prepayments. ) Tj ET Q q 0 0 0 rg BT 359.52 250.25 Td (These ) Tj ET Q q 0 0 0 rg BT 386.86 250.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 431.98 250.25 Td (are ) Tj ET Q q 0 0 0 rg BT 447.65 250.25 Td (made ) Tj ET Q q 0 0 0 rg BT 472.77 250.25 Td (based ) Tj ET Q q 0 0 0 rg BT 499.00 250.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 522.46 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 538.13 250.25 Td (actual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 104.44 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.70 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.83 238.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 180.08 238.25 Td (security ) Tj ET Q q 0 0 0 rg BT 215.66 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 234.02 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 250.15 238.25 Td (general ) Tj ET Q q 0 0 0 rg BT 283.50 238.25 Td (market ) Tj ET Q q 0 0 0 rg BT 315.19 238.25 Td (consensus ) Tj ET Q q 0 0 0 rg BT 359.66 238.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 401.90 238.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 438.02 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 449.72 238.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 491.41 238.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 524.76 238.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 547.56 238.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 96.42 226.25 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 146.71 226.25 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 191.34 226.25 Td (Amortization ) Tj ET Q q 0 0 0 rg BT 247.75 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 259.17 226.25 Td (premium ) Tj ET Q q 0 0 0 rg BT 298.37 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 315.90 226.25 Td (accretion ) Tj ET Q q 0 0 0 rg BT 355.64 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 367.06 226.25 Td (discount ) Tj ET Q q 0 0 0 rg BT 404.04 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 413.80 226.25 Td (included ) Tj ET Q q 0 0 0 rg BT 451.33 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 462.20 226.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 494.73 226.25 Td (income ) Tj ET Q q 0 0 0 rg BT 527.25 226.25 Td (from ) Tj ET Q q 0 0 0 rg BT 549.79 226.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (related ) Tj ET Q q 0 0 0 rg BT 79.55 214.25 Td (security) Tj ET Q q 0 0 0 rg BT 110.56 214.25 Td (. ) Tj ET Q q 0 0 0 rg BT 117.91 214.25 Td (Realized ) Tj ET Q q 0 0 0 rg BT 155.23 214.25 Td (gains ) Tj ET Q q 0 0 0 rg BT 178.69 214.25 Td (or ) Tj ET Q q 0 0 0 rg BT 189.37 214.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 218.11 214.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 265.44 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 277.79 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.35 214.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 314.70 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.38 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 339.95 214.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 358.40 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 369.08 214.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 402.52 214.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 442.64 214.25 Td (sold, ) Tj ET Q q 0 0 0 rg BT 464.16 214.25 Td (are ) Tj ET Q q 0 0 0 rg BT 478.71 214.25 Td (included ) Tj ET Q q 0 0 0 rg BT 515.49 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 525.62 214.25 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td () 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 69.23 190.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 111.79 190.25 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 152.67 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 168.57 190.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 207.24 190.25 Td (for ) Tj ET Q q 0 0 0 rg BT 222.58 190.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 272.36 190.25 Td (each ) Tj ET Q q 0 0 0 rg BT 294.36 190.25 Td (quarter) Tj ET Q q 0 0 0 rg BT 322.12 190.25 Td (. ) Tj ET Q q 0 0 0 rg BT 330.80 190.25 Td (In ) Tj ET Q q 0 0 0 rg BT 342.81 190.25 Td (estimating ) Tj ET Q q 0 0 0 rg BT 388.15 190.25 Td (other) Tj ET Q q 0 0 0 rg BT 408.49 190.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 477.14 190.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 507.21 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.11 190.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (considers ) Tj ET Q q 0 0 0 rg BT 90.44 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.33 178.25 Td (length ) Tj ET Q q 0 0 0 rg BT 132.99 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.99 178.25 Td (time ) Tj ET Q q 0 0 0 rg BT 164.44 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 181.55 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 196.44 178.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 223.54 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 233.99 178.25 Td (which ) Tj ET Q q 0 0 0 rg BT 261.10 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 275.99 178.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 292.53 178.25 Td (value ) Tj ET Q q 0 0 0 rg BT 316.86 178.25 Td (has ) Tj ET Q q 0 0 0 rg BT 332.86 178.25 Td (been ) Tj ET Q q 0 0 0 rg BT 354.41 178.25 Td (less ) Tj ET Q q 0 0 0 rg BT 372.08 178.25 Td (than ) Tj ET Q q 0 0 0 rg BT 391.97 178.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 413.25 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.13 178.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 465.79 178.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 506.23 178.25 Td (and ) Tj ET Q q 0 0 0 rg BT 523.34 178.25 Td (near) Tj ET Q q 0 0 0 rg BT 540.35 178.25 Td (-term ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (prospects ) Tj ET Q q 0 0 0 rg BT 90.33 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 101.22 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 116.00 166.25 Td (issuer) Tj ET Q q 0 0 0 rg BT 138.93 166.25 Td (, ) Tj ET Q q 0 0 0 rg BT 144.00 166.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.00 166.25 Td (whether ) Tj ET Q q 0 0 0 rg BT 195.77 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 210.54 166.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 251.99 166.25 Td (is ) Tj ET Q q 0 0 0 rg BT 261.23 166.25 Td (more ) Tj ET Q q 0 0 0 rg BT 284.34 166.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 309.67 166.25 Td (than ) Tj ET Q q 0 0 0 rg BT 329.45 166.25 Td (not ) Tj ET Q q 0 0 0 rg BT 344.79 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 355.13 166.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 371.58 166.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.36 166.25 Td (security ) Tj ET Q q 0 0 0 rg BT 420.58 166.25 Td (before ) Tj ET Q q 0 0 0 rg BT 448.68 166.25 Td (recovery ) Tj ET Q q 0 0 0 rg BT 486.22 166.25 Td (of ) Tj ET Q q 0 0 0 rg BT 497.11 166.25 Td (its ) Tj ET Q q 0 0 0 rg BT 509.12 166.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 527.79 166.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 555.35 166.25 Td (If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.96 154.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.59 154.25 Td (intends ) Tj ET Q q 0 0 0 rg BT 138.23 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 148.75 154.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 165.38 154.25 Td (an ) Tj ET Q q 0 0 0 rg BT 177.57 154.25 Td (impaired ) Tj ET Q q 0 0 0 rg BT 215.85 154.25 Td (security) Tj ET Q q 0 0 0 rg BT 246.86 154.25 Td (, ) Tj ET Q q 0 0 0 rg BT 252.11 154.25 Td (the ) Tj ET Q q 0 0 0 rg BT 267.07 154.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 308.70 154.25 Td (records ) Tj ET Q q 0 0 0 rg BT 340.88 154.25 Td (an ) Tj ET Q q 0 0 0 rg BT 353.06 154.25 Td (other) Tj ET Q q 0 0 0 rg BT 373.41 154.25 Td (-than-temporary ) Tj ET Q q 0 0 0 rg BT 441.12 154.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 459.43 154.25 Td (in ) Tj ET Q q 0 0 0 rg BT 469.95 154.25 Td (an ) Tj ET Q q 0 0 0 rg BT 482.14 154.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 514.88 154.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 539.28 154.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.80 154.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (entire ) Tj ET Q q 0 0 0 rg BT 74.93 142.25 Td (dif) Tj ET Q q 0 0 0 rg BT 85.86 142.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 117.44 142.25 Td (between ) Tj ET Q q 0 0 0 rg BT 152.92 142.25 Td (the ) Tj ET Q q 0 0 0 rg BT 167.31 142.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 183.35 142.25 Td (value ) Tj ET Q q 0 0 0 rg BT 207.17 142.25 Td (and ) Tj ET Q q 0 0 0 rg BT 223.78 142.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 265.92 142.25 Td (cost. ) Tj ET Q q 0 0 0 rg BT 289.20 142.25 Td (If ) Tj ET Q q 0 0 0 rg BT 298.03 142.25 Td (a ) Tj ET Q q 0 0 0 rg BT 304.63 142.25 Td (security ) Tj ET Q q 0 0 0 rg BT 338.46 142.25 Td (is ) Tj ET Q q 0 0 0 rg BT 347.29 142.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 394.44 142.25 Td (to ) Tj ET Q q 0 0 0 rg BT 404.38 142.25 Td (be ) Tj ET Q q 0 0 0 rg BT 415.99 142.25 Td (other) Tj ET Q q 0 0 0 rg BT 436.34 142.25 Td (-than-temporarily ) Tj ET Q q 0 0 0 rg BT 509.03 142.25 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 549.24 142.25 Td (but ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.79 130.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.25 130.25 Td (does ) Tj ET Q q 0 0 0 rg BT 127.16 130.25 Td (not ) Tj ET Q q 0 0 0 rg BT 142.51 130.25 Td (intend ) Tj ET Q q 0 0 0 rg BT 170.09 130.25 Td (to ) Tj ET Q q 0 0 0 rg BT 180.44 130.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 196.90 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 211.69 130.25 Td (security) Tj ET Q q 0 0 0 rg BT 242.70 130.25 Td (, ) Tj ET Q q 0 0 0 rg BT 247.78 130.25 Td (only ) Tj ET Q q 0 0 0 rg BT 268.13 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.92 130.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 308.26 130.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 339.72 130.25 Td (of ) Tj ET Q q 0 0 0 rg BT 350.63 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.42 130.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 406.32 130.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 424.46 130.25 Td (is ) Tj ET Q q 0 0 0 rg BT 433.70 130.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 480.14 130.25 Td (in ) Tj ET Q q 0 0 0 rg BT 490.49 130.25 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 529.45 130.25 Td (with ) Tj ET Q q 0 0 0 rg BT 549.80 130.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 118.25 Td (portion ) Tj ET Q q 0 0 0 rg BT 104.43 118.25 Td (of ) Tj ET Q q 0 0 0 rg BT 115.26 118.25 Td (the ) Tj ET Q q 0 0 0 rg BT 129.98 118.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 148.04 118.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 194.40 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 204.68 118.25 Td (other ) Tj ET Q q 0 0 0 rg BT 227.73 118.25 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 290.76 118.25 Td (income.) 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 50 92.9169921875 m 287.626953125 92.9169921875 l s q 0 0 0 rg BT 50.00 94.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.48 94.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 109.40 94.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 132.44 94.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 156.04 94.25 Td (and ) Tj ET Q q 0 0 0 rg BT 172.97 94.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 205.44 94.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 240.14 94.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 263.74 94.25 Td (stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.63 94.25 Td ( ) Tj ET Q q 0 0 0 rg BT 289.94 94.25 Td (The ) Tj ET Q q 0 0 0 rg BT 307.97 94.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 349.35 94.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 372.95 94.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 423.22 94.25 Td (in ) Tj ET Q q 0 0 0 rg BT 433.49 94.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.19 94.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 471.79 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 482.61 94.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.32 94.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 529.80 94.25 Td (Reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.49 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 84.21 82.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 119.92 82.25 Td (\(FRB\) ) Tj ET Q q 0 0 0 rg BT 156.74 82.25 Td (and ) Tj ET Q q 0 0 0 rg BT 173.57 82.25 Td (the ) Tj ET Q q 0 0 0 rg BT 188.17 82.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 220.54 82.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 247.36 82.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 270.30 82.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 293.79 82.25 Td (of ) Tj ET Q q 0 0 0 rg BT 304.50 82.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 340.21 82.25 Td (\(FHLB\). ) Tj ET Q q 0 0 0 rg BT 386.20 82.25 Td (No ) Tj ET Q q 0 0 0 rg BT 400.81 82.25 Td (ready ) Tj ET Q q 0 0 0 rg BT 425.40 82.25 Td (market ) Tj ET Q q 0 0 0 rg BT 455.55 82.25 Td (exists ) Tj ET Q q 0 0 0 rg BT 480.71 82.25 Td (for ) Tj ET Q q 0 0 0 rg BT 494.76 82.25 Td (these ) Tj ET Q q 0 0 0 rg BT 517.69 82.25 Td (stocks, ) Tj ET Q q 0 0 0 rg BT 547.57 82.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.25 Td (they ) Tj ET Q q 0 0 0 rg BT 69.43 70.25 Td (have ) Tj ET Q q 0 0 0 rg BT 90.52 70.25 Td (no ) Tj ET Q q 0 0 0 rg BT 102.73 70.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 132.16 70.25 Td (market ) Tj ET Q q 0 0 0 rg BT 162.14 70.25 Td (values. ) Tj ET Q q 0 0 0 rg BT 192.24 70.25 Td (The ) Tj ET Q q 0 0 0 rg BT 210.00 70.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 235.82 70.25 Td (as ) Tj ET Q q 0 0 0 rg BT 246.37 70.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.02 70.25 Td (member ) Tj ET Q q 0 0 0 rg BT 288.00 70.25 Td (of ) Tj ET Q q 0 0 0 rg BT 298.54 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 312.97 70.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 345.17 70.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 379.59 70.25 Td (System ) Tj ET Q q 0 0 0 rg BT 411.25 70.25 Td (and ) Tj ET Q q 0 0 0 rg BT 427.90 70.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.33 70.25 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 472.61 70.25 Td (is ) Tj ET Q q 0 0 0 rg BT 481.49 70.25 Td (required ) Tj ET Q q 0 0 0 rg BT 517.02 70.25 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 70.25 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (an ) Tj ET Q q 0 0 0 rg BT 61.59 58.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 107.62 58.25 Td (in ) Tj ET Q q 0 0 0 rg BT 117.54 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 131.91 58.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 160.70 58.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 183.96 58.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.44 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.80 58.25 Td (FRB ) Tj ET Q q 0 0 0 rg BT 229.85 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 246.44 58.25 Td (FHLB. ) Tj ET Q q 0 0 0 rg BT 276.64 58.25 Td ( ) Tj ET Q q 0 0 0 rg BT 278.64 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 296.33 58.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 319.59 58.25 Td (is ) Tj ET Q q 0 0 0 rg BT 328.40 58.25 Td (redeemable ) Tj ET Q q 0 0 0 rg BT 376.63 58.25 Td (at ) Tj ET Q q 0 0 0 rg BT 386.00 58.25 Td (par ) Tj ET Q q 0 0 0 rg BT 400.91 58.25 Td (by ) Tj ET Q q 0 0 0 rg BT 413.06 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 427.42 58.25 Td (FRB ) Tj ET Q q 0 0 0 rg BT 448.47 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 465.06 58.25 Td (FHLB, ) Tj ET Q q 0 0 0 rg BT 495.27 58.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 542.93 58.25 Td (, ) Tj ET Q q 0 0 0 rg BT 547.58 58.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (is, ) Tj ET Q q 0 0 0 rg BT 61.67 46.25 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 102.75 46.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 133.01 46.25 Td (at ) Tj ET Q q 0 0 0 rg BT 142.72 46.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 161.33 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 178.27 46.25 Td (periodically ) Tj ET Q q 0 0 0 rg BT 228.53 46.25 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 269.34 46.25 Td (for ) Tj ET Q q 0 0 0 rg BT 283.50 46.25 Td (impairment. ) Tj ET Q endstream endobj 159 0 obj <> endobj 160 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (79) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td () 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 50 728.7669921875 m 128.5546875 728.7669921875 l s q 0 0 0 rg BT 50.00 730.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.74 730.10 Td (held ) Tj ET Q q 0 0 0 rg BT 96.26 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 110.23 730.10 Td (sale:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.55 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 130.86 730.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 172.04 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 195.45 730.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 238.30 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 255.04 730.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 291.78 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 305.75 730.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 323.60 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 333.68 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.20 730.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 391.04 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 421.11 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 435.63 730.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 472.90 730.10 Td (at ) Tj ET Q q 0 0 0 rg BT 482.42 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 498.60 730.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 527.56 730.10 Td (Changes ) 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 60.28 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 91.37 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 115.53 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 130.23 718.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 176.60 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 186.88 718.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 227.14 718.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 261.86 718.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 296.00 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 308.50 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.22 718.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 370.30 718.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 425.57 718.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 471.95 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.78 718.10 Td (Operations.) 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 50 692.7669921875 m 275.55712890625 692.7669921875 l s q 0 0 0 rg BT 50.00 694.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 92.89 694.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 117.45 694.10 Td (Representation ) Tj ET Q q 0 0 0 rg BT 181.44 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.61 694.10 Td (W) Tj ET Q q 0 0 0 rg BT 208.24 694.10 Td (arranty ) Tj ET Q q 0 0 0 rg BT 240.57 694.10 Td (Reserve:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.56 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.28 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 298.84 694.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 341.74 694.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 385.19 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.64 694.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 425.43 694.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 471.09 694.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 512.87 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 537.99 694.10 Td (in ) 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 (secondary ) Tj ET Q q 0 0 0 rg BT 92.60 682.10 Td (market. ) Tj ET Q q 0 0 0 rg BT 124.93 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 126.84 682.10 Td (When ) Tj ET Q q 0 0 0 rg BT 152.79 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 167.07 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 208.02 682.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 227.86 682.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 267.69 682.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 293.36 682.10 Td (it ) Tj ET Q q 0 0 0 rg BT 300.98 682.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 328.59 682.10 Td (customary ) Tj ET Q q 0 0 0 rg BT 372.31 682.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 434.91 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 451.41 682.10 Td (warranties ) Tj ET Q q 0 0 0 rg BT 495.12 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 504.97 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.25 682.10 Td (purchasers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (about ) Tj ET Q q 0 0 0 rg BT 74.70 670.10 Td (various ) Tj ET Q q 0 0 0 rg BT 106.63 670.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 166.30 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 177.11 670.10 Td (each ) Tj ET Q q 0 0 0 rg BT 197.92 670.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 220.12 670.10 Td (such ) Tj ET Q q 0 0 0 rg BT 240.93 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 251.75 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.45 670.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 310.60 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.41 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.11 670.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 358.32 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 373.02 670.10 Td (validity ) Tj ET Q q 0 0 0 rg BT 406.05 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.87 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.57 670.10 Td (lien ) Tj ET Q q 0 0 0 rg BT 449.05 670.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 485.42 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 500.12 670.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 522.32 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.02 670.10 Td (nature ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.19 658.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 92.38 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 102.46 658.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 155.87 658.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 195.39 658.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 226.58 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.77 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.74 658.10 Td (types ) Tj ET Q q 0 0 0 rg BT 279.60 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.68 658.10 Td (documentation ) Tj ET Q q 0 0 0 rg BT 350.86 658.10 Td (being ) Tj ET Q q 0 0 0 rg BT 374.83 658.10 Td (provided. ) Tj ET Q q 0 0 0 rg BT 414.63 658.10 Td ( ) Tj ET Q q 0 0 0 rg BT 416.26 658.10 Td (These ) Tj ET Q q 0 0 0 rg BT 441.89 658.10 Td (representations ) Tj ET Q q 0 0 0 rg BT 504.18 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 520.37 658.10 Td (warranties ) 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 64.14 646.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 103.27 646.10 Td (enforceable ) Tj ET Q q 0 0 0 rg BT 151.84 646.10 Td (over ) Tj ET Q q 0 0 0 rg BT 171.54 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 185.69 646.10 Td (life ) Tj ET Q q 0 0 0 rg BT 200.95 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.21 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.36 646.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 247.01 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 248.94 646.10 Td (If ) Tj ET Q q 0 0 0 rg BT 257.53 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.90 646.10 Td (defect ) Tj ET Q q 0 0 0 rg BT 290.26 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 299.97 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.12 646.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 359.94 646.10 Td (process ) Tj ET Q q 0 0 0 rg BT 391.86 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 400.46 646.10 Td (identified, ) Tj ET Q q 0 0 0 rg BT 443.21 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.36 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 498.18 646.10 Td (may ) Tj ET Q q 0 0 0 rg BT 517.33 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 528.70 646.10 Td (required ) 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 59.63 634.10 Td (either ) Tj ET Q q 0 0 0 rg BT 84.24 634.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 129.40 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.46 634.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 162.53 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 172.71 634.10 Td (indemnify ) Tj ET Q q 0 0 0 rg BT 215.66 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.73 634.10 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 270.45 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 283.96 634.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 309.70 634.10 Td (it ) Tj ET Q q 0 0 0 rg BT 317.10 634.10 Td (sustains ) Tj ET Q q 0 0 0 rg BT 350.62 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 362.47 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.54 634.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 398.10 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 399.95 634.10 Td (If ) Tj ET Q q 0 0 0 rg BT 408.46 634.10 Td (there ) Tj ET Q q 0 0 0 rg BT 430.30 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 444.36 634.10 Td (no ) Tj ET Q q 0 0 0 rg BT 456.21 634.10 Td (such ) Tj ET Q q 0 0 0 rg BT 476.38 634.10 Td (defects, ) Tj ET Q q 0 0 0 rg BT 509.05 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 634.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (has ) Tj ET Q q 0 0 0 rg BT 65.83 622.10 Td (no ) Tj ET Q q 0 0 0 rg BT 78.33 622.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 111.94 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 122.22 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.93 622.10 Td (purchaser ) Tj ET Q q 0 0 0 rg BT 178.30 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 192.46 622.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 218.85 622.10 Td (it ) Tj ET Q q 0 0 0 rg BT 226.91 622.10 Td (may ) Tj ET Q q 0 0 0 rg BT 246.63 622.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 269.67 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 282.17 622.10 Td (such ) Tj ET Q q 0 0 0 rg BT 303.00 622.10 Td (loans. ) Tj ET Q 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 68.82 598.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.98 598.10 Td (maintains ) Tj ET Q q 0 0 0 rg BT 153.13 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 160.85 598.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 220.76 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 238.47 598.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 277.28 598.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 309.42 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.47 598.10 Td (account ) Tj ET Q q 0 0 0 rg BT 354.84 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 369.77 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.26 598.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 424.07 598.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 451.23 598.10 Td (related ) Tj ET Q q 0 0 0 rg BT 481.71 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.76 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 517.14 598.10 Td (it ) Tj ET Q q 0 0 0 rg BT 525.97 598.10 Td (might ) Tj ET Q q 0 0 0 rg BT 552.58 598.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (required ) Tj ET Q q 0 0 0 rg BT 86.12 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.70 586.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 142.80 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 153.94 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.96 586.10 Td (indemnity ) Tj ET Q q 0 0 0 rg BT 212.31 586.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 253.44 586.10 Td (it ) Tj ET Q q 0 0 0 rg BT 261.79 586.10 Td (may ) Tj ET Q q 0 0 0 rg BT 281.81 586.10 Td (have ) Tj ET Q q 0 0 0 rg BT 303.49 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.07 586.10 Td (make ) Tj ET Q q 0 0 0 rg BT 338.53 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.11 586.10 Td (purchasers. ) Tj ET Q q 0 0 0 rg BT 397.17 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 399.77 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 418.12 586.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 477.56 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 494.80 586.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 533.14 586.10 Td (reserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 81.51 574.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 140.38 574.10 Td (best ) Tj ET Q q 0 0 0 rg BT 158.58 574.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 193.99 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.41 574.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 241.48 574.10 Td (lifetime ) Tj ET Q q 0 0 0 rg BT 274.67 574.10 Td (loss. ) Tj ET Q q 0 0 0 rg BT 294.82 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 296.76 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 314.39 574.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 345.35 574.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 385.21 574.10 Td (both ) Tj ET Q q 0 0 0 rg BT 405.08 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.38 574.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 454.79 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.21 574.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.83 574.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 528.81 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 540.90 574.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 69.11 562.10 Td (during ) Tj ET Q q 0 0 0 rg BT 97.67 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 112.33 562.10 Td (current ) Tj ET Q q 0 0 0 rg BT 143.09 562.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 189.40 562.10 Td (period ) Tj ET Q q 0 0 0 rg BT 217.39 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 228.17 562.10 Td (well ) Tj ET Q q 0 0 0 rg BT 247.83 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 258.60 562.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 308.82 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 319.04 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 333.70 562.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 380.73 562.10 Td (previous ) Tj ET Q q 0 0 0 rg BT 417.61 562.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 453.37 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 464.15 562.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 502.12 562.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 528.46 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 540.90 562.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (sold. ) Tj ET Q q 0 0 0 rg BT 72.73 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.29 550.10 Td (Factors ) Tj ET Q q 0 0 0 rg BT 109.29 550.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 156.16 550.10 Td (include ) Tj ET Q q 0 0 0 rg BT 189.16 550.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 229.37 550.10 Td (performance, ) Tj ET Q q 0 0 0 rg BT 285.95 550.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 332.81 550.10 Td (demand ) Tj ET Q q 0 0 0 rg BT 368.03 550.10 Td (behavior) Tj ET Q q 0 0 0 rg BT 402.61 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 408.67 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.67 550.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 467.44 550.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 488.22 550.10 Td (defect ) Tj ET Q q 0 0 0 rg BT 516.20 550.10 Td (experience. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 105.69 538.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 144.74 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.45 538.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 201.69 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 213.52 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 229.22 538.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 260.48 538.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 292.84 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 310.77 538.10 Td (makes ) Tj ET Q q 0 0 0 rg BT 339.80 538.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 391.07 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 402.34 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.05 538.10 Td (level ) Tj ET Q q 0 0 0 rg BT 440.97 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.79 538.10 Td (reserve, ) Tj ET Q q 0 0 0 rg BT 487.65 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 499.47 538.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 537.69 538.10 Td (, ) Tj ET Q q 0 0 0 rg BT 543.68 538.10 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 106.37 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.20 526.10 Td (other ) Tj ET Q q 0 0 0 rg BT 140.25 526.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 184.96 526.10 Td (factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (At ) Tj ET Q q 0 0 0 rg BT 63.03 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.27 502.10 Td (time ) Tj ET Q q 0 0 0 rg BT 99.08 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 106.54 502.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 126.79 502.10 Td (originated ) Tj ET Q q 0 0 0 rg BT 170.36 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 185.05 502.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 203.63 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 213.32 502.10 Td (funded, ) Tj ET Q q 0 0 0 rg BT 246.62 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.87 502.10 Td (representation ) Tj ET Q q 0 0 0 rg BT 321.54 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.00 502.10 Td (warranty ) Tj ET Q q 0 0 0 rg BT 377.57 502.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 409.47 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 419.16 502.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 457.17 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 468.53 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 475.99 502.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 513.44 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.24 502.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 84.54 490.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 118.52 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 130.84 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.39 490.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 200.49 490.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 246.69 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.35 490.10 Td (Operations ) Tj ET Q q 0 0 0 rg BT 303.55 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.32 490.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 357.62 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.73 490.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 401.14 490.10 Td (interest, ) Tj ET Q q 0 0 0 rg BT 435.40 490.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 458.27 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 475.04 490.10 Td (other ) Tj ET Q q 0 0 0 rg BT 497.91 490.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 537.45 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 490.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.66 478.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 153.51 478.10 Td (Balance ) Tj ET Q q 0 0 0 rg BT 188.79 478.10 Td (Sheets. ) Tj ET Q q 0 0 0 rg BT 220.48 478.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 258.00 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.85 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.15 478.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 316.09 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 331.38 478.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 369.43 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 380.84 478.10 Td (an ) Tj ET Q q 0 0 0 rg BT 393.36 478.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 429.19 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 440.60 478.10 Td (decrease ) Tj ET Q q 0 0 0 rg BT 478.09 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 488.95 478.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 529.79 478.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 84.15 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 96.65 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 111.36 466.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 166.64 466.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 213.02 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.85 466.10 Td (Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td () 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 50 440.7669921875 m 122.1953125 440.7669921875 l s q 0 0 0 rg BT 50.00 442.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.77 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 95.54 442.10 Td (leases:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 122.20 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.53 442.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 153.30 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 168.84 442.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 195.49 442.10 Td (at ) Tj ET Q q 0 0 0 rg BT 206.04 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.59 442.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 254.92 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.58 442.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 297.13 442.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 336.00 442.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 370.98 442.10 Td (by ) Tj ET Q q 0 0 0 rg BT 384.31 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 399.86 442.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 443.72 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 458.71 442.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 479.26 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 497.03 442.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 520.35 442.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 547.57 442.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (unearned ) Tj ET Q q 0 0 0 rg BT 88.61 430.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 125.00 430.10 Td (Direct ) Tj ET Q q 0 0 0 rg BT 151.95 430.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 183.34 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.74 430.10 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 240.56 430.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 266.40 430.10 Td (are ) Tj ET Q q 0 0 0 rg BT 280.57 430.10 Td (included ) Tj ET Q q 0 0 0 rg BT 316.96 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 327.26 430.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 349.20 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 372.27 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 385.90 430.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 422.84 430.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 463.12 430.10 Td (purposes. ) Tj ET Q q 0 0 0 rg BT 505.63 430.10 Td (Direct ) Tj ET Q q 0 0 0 rg BT 532.58 430.10 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 75.89 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.11 418.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 115.45 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 125.80 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.03 418.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 158.71 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.06 418.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 211.61 418.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 252.52 418.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 274.52 418.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 314.86 418.10 Td (from ) Tj ET Q q 0 0 0 rg BT 336.31 418.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 366.09 418.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 384.78 418.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 425.11 418.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 458.78 418.10 Td (values ) Tj ET Q q 0 0 0 rg BT 486.34 418.10 Td (less ) Tj ET Q q 0 0 0 rg BT 503.35 418.10 Td (unearned ) Tj ET Q q 0 0 0 rg BT 542.01 418.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 88.09 406.10 Td (Leveraged ) Tj ET Q q 0 0 0 rg BT 133.94 406.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 161.47 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 177.34 406.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 204.32 406.10 Td (at ) Tj ET Q q 0 0 0 rg BT 215.20 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.07 406.10 Td (sum ) Tj ET Q q 0 0 0 rg BT 251.40 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.38 406.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 307.58 406.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 350.13 406.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 373.77 406.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 415.76 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 438.85 406.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 470.28 406.10 Td (\(less ) Tj ET Q q 0 0 0 rg BT 492.27 406.10 Td (nonrecourse ) Tj ET Q q 0 0 0 rg BT 544.79 406.10 Td (debt ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (payments\) ) Tj ET Q q 0 0 0 rg BT 93.24 394.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 111.49 394.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 151.39 394.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 184.63 394.10 Td (values ) Tj ET Q q 0 0 0 rg BT 211.76 394.10 Td (less ) Tj ET Q q 0 0 0 rg BT 228.34 394.10 Td (unearned ) Tj ET Q q 0 0 0 rg BT 266.57 394.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 288.13 394.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 324.15 394.10 Td (On ) Tj ET Q q 0 0 0 rg BT 337.95 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 343.97 394.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 381.65 394.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 405.73 394.10 Td (management ) Tj ET Q q 0 0 0 rg BT 458.40 394.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 491.08 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.88 394.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 526.45 394.10 Td (residuals ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.91 382.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 101.15 382.10 Td (impairment. ) Tj ET Q q 0 0 0 rg BT 154.50 382.10 Td (Unearned ) Tj ET Q q 0 0 0 rg BT 195.62 382.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 217.86 382.10 Td (income ) Tj ET Q q 0 0 0 rg BT 249.54 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 261.79 382.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 286.81 382.10 Td (finance ) Tj ET Q q 0 0 0 rg BT 318.48 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 335.17 382.10 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 376.28 382.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 402.41 382.10 Td (is ) Tj ET Q q 0 0 0 rg BT 411.33 382.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 457.45 382.10 Td (over ) Tj ET Q q 0 0 0 rg BT 477.47 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.93 382.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 513.07 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.65 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.12 382.10 Td (leases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (using ) Tj ET Q q 0 0 0 rg BT 74.17 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.89 370.10 Td (level-yield ) Tj ET Q q 0 0 0 rg BT 134.15 370.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 73.12 346.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 119.57 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 136.58 346.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 189.70 346.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 208.37 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 225.38 346.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 255.16 346.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 280.50 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 300.28 346.10 Td (origination ) Tj ET Q q 0 0 0 rg BT 346.74 346.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 369.31 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 384.09 346.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 419.97 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.98 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.77 346.10 Td (net ) Tj ET Q q 0 0 0 rg BT 466.56 346.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 499.12 346.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 541.68 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 552.58 346.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 95.43 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.32 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.08 334.10 Td (related ) Tj ET Q q 0 0 0 rg BT 147.84 334.10 Td (loan) Tj ET Q q 0 0 0 rg BT 167.83 334.10 Td (s ) Tj ET Q q 0 0 0 rg BT 173.28 334.10 Td (yield. ) Tj ET Q q 0 0 0 rg BT 199.71 334.10 Td (The ) Tj ET Q q 0 0 0 rg BT 216.81 334.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 257.25 334.10 Td (is ) Tj ET Q q 0 0 0 rg BT 265.47 334.10 Td (amortizing ) Tj ET Q q 0 0 0 rg BT 310.34 334.10 Td (these ) Tj ET Q q 0 0 0 rg BT 332.44 334.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 367.88 334.10 Td (over ) Tj ET Q q 0 0 0 rg BT 387.20 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.97 334.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 446.94 334.10 Td (life ) Tj ET Q q 0 0 0 rg BT 461.82 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.70 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.47 334.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 509.23 334.10 Td (Commitment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 68.30 322.10 Td (based ) Tj ET Q q 0 0 0 rg BT 93.28 322.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 115.49 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 122.13 322.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 167.64 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.17 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 184.82 322.10 Td (customer) Tj ET Q q 0 0 0 rg BT 221.84 322.10 Td () Tj ET Q q 0 0 0 rg BT 224.62 322.10 Td (s ) Tj ET Q q 0 0 0 rg BT 230.72 322.10 Td (unused ) Tj ET Q q 0 0 0 rg BT 261.26 322.10 Td (line ) Tj ET Q q 0 0 0 rg BT 278.46 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 288.99 322.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 313.96 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.61 322.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 348.91 322.10 Td (related ) Tj ET Q q 0 0 0 rg BT 378.32 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.30 322.10 Td (standby ) Tj ET Q q 0 0 0 rg BT 421.62 322.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 448.26 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 458.79 322.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 483.76 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 498.18 322.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 544.25 322.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 310.10 Td (commitment ) Tj ET Q q 0 0 0 rg BT 117.76 310.10 Td (period.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.39 286.10 Td (income ) Tj ET Q q 0 0 0 rg BT 114.23 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 123.30 286.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 156.79 286.10 Td (daily ) Tj ET Q q 0 0 0 rg BT 179.19 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 191.59 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.21 286.10 Td (Company) Tj ET Q q 0 0 0 rg BT 247.88 286.10 Td (s ) Tj ET Q q 0 0 0 rg BT 254.17 286.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 303.24 286.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 322.86 286.10 Td (balances. ) Tj ET Q q 0 0 0 rg BT 364.52 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 382.47 286.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 413.73 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.47 286.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 456.30 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 468.71 286.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 492.22 286.10 Td (is ) Tj ET Q q 0 0 0 rg BT 501.29 286.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 554.80 286.10 Td (at ) 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 64.88 274.10 Td (time ) Tj ET Q q 0 0 0 rg BT 85.31 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.18 274.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 120.06 274.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.39 274.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.39 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.05 274.10 Td (days ) Tj ET Q q 0 0 0 rg BT 163.03 274.10 Td (past ) Tj ET Q q 0 0 0 rg BT 181.80 274.10 Td (due ) Tj ET Q q 0 0 0 rg BT 198.90 274.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 226.56 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.43 274.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 266.86 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 276.18 274.10 Td (well-secured ) Tj ET Q q 0 0 0 rg BT 329.93 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.02 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 357.46 274.10 Td (process ) Tj ET Q q 0 0 0 rg BT 390.11 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 401.10 274.10 Td (renewal ) Tj ET Q q 0 0 0 rg BT 435.40 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 446.39 274.10 Td (collection. ) Tj ET Q q 0 0 0 rg BT 493.48 274.10 Td (Past ) Tj ET Q q 0 0 0 rg BT 512.81 274.10 Td (due ) Tj ET Q q 0 0 0 rg BT 529.90 274.10 Td (status ) Tj ET Q q 0 0 0 rg BT 555.34 274.10 Td (is ) 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 75.15 262.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.53 262.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 134.33 262.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 158.92 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.63 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.23 262.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 208.82 262.10 Td (In ) Tj ET Q q 0 0 0 rg BT 219.53 262.10 Td (all ) Tj ET Q q 0 0 0 rg BT 231.91 262.10 Td (cases, ) Tj ET Q q 0 0 0 rg BT 257.89 262.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 281.37 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 295.96 262.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 324.43 262.10 Td (on ) Tj ET Q q 0 0 0 rg BT 336.81 262.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 386.38 262.10 Td (or ) Tj ET Q q 0 0 0 rg BT 397.09 262.10 Td (char) Tj ET Q q 0 0 0 rg BT 414.12 262.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 440.04 262.10 Td (f ) Tj ET Q q 0 0 0 rg BT 445.75 262.10 Td (at ) Tj ET Q q 0 0 0 rg BT 455.34 262.10 Td (an ) Tj ET Q q 0 0 0 rg BT 467.16 262.10 Td (earlier ) Tj ET Q q 0 0 0 rg BT 495.07 262.10 Td (date ) Tj ET Q q 0 0 0 rg BT 514.11 262.10 Td (if ) Tj ET Q q 0 0 0 rg BT 522.60 262.10 Td (collection ) 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 61.11 250.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 99.43 250.10 Td (or ) Tj ET Q q 0 0 0 rg BT 110.54 250.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 142.75 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.20 250.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 198.30 250.10 Td (doubtful. ) Tj ET Q q 0 0 0 rg BT 239.35 250.10 Td (All ) Tj ET Q q 0 0 0 rg BT 254.91 250.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 287.12 250.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 320.99 250.10 Td (but ) Tj ET Q q 0 0 0 rg BT 336.55 250.10 Td (not ) Tj ET Q q 0 0 0 rg BT 352.10 250.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 390.97 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 405.41 250.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 429.30 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 447.08 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 462.06 250.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 490.94 250.10 Td (on ) Tj ET Q q 0 0 0 rg BT 503.72 250.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 553.69 250.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 238.10 Td (ged-of) Tj ET Q q 0 0 0 rg BT 92.94 238.10 Td (f ) Tj ET Q q 0 0 0 rg BT 98.77 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 107.94 238.10 Td (reversed ) Tj ET Q q 0 0 0 rg BT 144.31 238.10 Td (against ) Tj ET Q q 0 0 0 rg BT 175.14 238.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 207.07 238.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.51 214.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 104.68 214.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 130.91 214.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 162.39 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.34 214.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 205.40 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 214.69 214.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 268.42 214.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.04 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 288.10 214.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 307.94 214.10 Td (when ) Tj ET Q q 0 0 0 rg BT 332.22 214.10 Td (management ) Tj ET Q q 0 0 0 rg BT 385.93 214.10 Td (believes, ) Tj ET Q q 0 0 0 rg BT 423.82 214.10 Td (after ) Tj ET Q q 0 0 0 rg BT 444.76 214.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 494.03 214.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 536.08 214.10 Td (ef) Tj ET Q q 0 0 0 rg BT 543.67 214.10 Td (forts ) 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 67.05 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 90.21 202.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 122.53 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.36 202.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 174.39 202.10 Td () Tj ET Q q 0 0 0 rg BT 177.16 202.10 Td (s ) Tj ET Q q 0 0 0 rg BT 183.67 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 221.26 202.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 261.65 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 270.93 202.10 Td (such ) Tj ET Q q 0 0 0 rg BT 291.88 202.10 Td (that ) Tj ET Q q 0 0 0 rg BT 309.49 202.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 351.53 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.47 202.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 394.52 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 403.80 202.10 Td (doubtful. ) Tj ET Q q 0 0 0 rg BT 445.31 202.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 467.92 202.10 Td (collections ) Tj ET Q q 0 0 0 rg BT 513.85 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 526.47 202.10 Td (impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.93 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.95 190.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 128.97 190.10 Td (credited ) Tj ET Q q 0 0 0 rg BT 164.00 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.59 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.63 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 209.66 190.10 Td (balance, ) Tj ET Q q 0 0 0 rg BT 245.51 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 262.77 190.10 Td (no ) Tj ET Q q 0 0 0 rg BT 275.59 190.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 307.84 190.10 Td (income ) Tj ET Q q 0 0 0 rg BT 340.10 190.10 Td (is ) Tj ET Q q 0 0 0 rg BT 349.58 190.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 396.27 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 409.08 190.10 Td (those ) Tj ET Q q 0 0 0 rg BT 433.01 190.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 456.94 190.10 Td (until ) Tj ET Q q 0 0 0 rg BT 478.09 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.13 190.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 531.49 190.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (has ) Tj ET Q q 0 0 0 rg BT 66.00 178.10 Td (been ) Tj ET Q q 0 0 0 rg BT 87.54 178.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 135.19 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.63 178.10 Td (be ) Tj ET Q q 0 0 0 rg BT 157.73 178.10 Td (collectible. ) Tj ET Q q 0 0 0 rg BT 207.05 178.10 Td (Loans, ) Tj ET Q q 0 0 0 rg BT 236.65 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 259.86 178.10 Td (than ) Tj ET Q q 0 0 0 rg BT 279.75 178.10 Td (those ) Tj ET Q q 0 0 0 rg BT 303.52 178.10 Td (included ) Tj ET Q q 0 0 0 rg BT 340.62 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 351.06 178.10 Td (lar) Tj ET Q q 0 0 0 rg BT 361.43 178.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 373.54 178.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 403.42 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 414.42 178.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 443.65 178.10 Td (-balance ) Tj ET Q q 0 0 0 rg BT 480.18 178.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 538.39 178.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.46 166.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 110.02 166.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 147.81 166.10 Td (when ) Tj ET Q q 0 0 0 rg BT 171.72 166.10 Td (it ) Tj ET Q q 0 0 0 rg BT 179.52 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 188.44 166.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 225.68 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.14 166.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 281.28 166.10 Td (will ) Tj ET Q q 0 0 0 rg BT 299.08 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 310.77 166.10 Td (unable ) Tj ET Q q 0 0 0 rg BT 339.67 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.70 166.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 378.60 166.10 Td (all ) Tj ET Q q 0 0 0 rg BT 390.84 166.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 437.51 166.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 475.30 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.99 166.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 523.67 166.10 Td (payments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.13 154.10 Td (in ) Tj ET Q q 0 0 0 rg BT 75.60 154.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 122.26 154.10 Td (with ) Tj ET Q q 0 0 0 rg BT 141.73 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 155.64 154.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 179.55 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.57 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.48 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 222.39 154.10 Td (agreement. ) Tj ET Q q 0 0 0 rg BT 270.73 154.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 308.51 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 331.32 154.10 Td (include ) Tj ET Q q 0 0 0 rg BT 362.44 154.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 411.33 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 434.13 154.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.26 154.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 473.06 154.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 512.52 154.10 Td (as ) Tj ET Q q 0 0 0 rg BT 522.54 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.68 154.10 Td (troubled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 69.51 142.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 125.40 142.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 163.79 142.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 187.19 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 201.69 142.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 242.30 142.10 Td (based ) Tj ET Q q 0 0 0 rg BT 267.36 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 279.66 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.17 142.10 Td (present ) Tj ET Q q 0 0 0 rg BT 325.34 142.10 Td (value ) Tj ET Q q 0 0 0 rg BT 349.29 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.91 142.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 397.74 142.10 Td (future ) Tj ET Q q 0 0 0 rg BT 423.91 142.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 443.97 142.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 468.49 142.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 514.10 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 523.62 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 538.13 142.10 Td (loan) Tj ET Q q 0 0 0 rg BT 558.12 142.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 130.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 87.24 130.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 119.13 130.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 136.57 130.10 Td (or) Tj ET Q q 0 0 0 rg BT 144.50 130.10 Td (, ) Tj ET Q q 0 0 0 rg BT 149.45 130.10 Td (as ) Tj ET Q q 0 0 0 rg BT 160.23 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 167.12 130.10 Td (practical ) Tj ET Q q 0 0 0 rg BT 203.99 130.10 Td (expedient, ) Tj ET Q q 0 0 0 rg BT 247.82 130.10 Td (based ) Tj ET Q q 0 0 0 rg BT 273.04 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 285.49 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.16 130.10 Td (loan) Tj ET Q q 0 0 0 rg BT 320.16 130.10 Td (s ) Tj ET Q q 0 0 0 rg BT 326.50 130.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 372.27 130.10 Td (market ) Tj ET Q q 0 0 0 rg BT 402.49 130.10 Td (price ) Tj ET Q q 0 0 0 rg BT 424.92 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 435.71 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 450.38 130.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 466.71 130.10 Td (value ) Tj ET Q q 0 0 0 rg BT 490.81 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.60 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 516.27 130.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 555.92 130.10 Td (if ) 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 64.29 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.59 118.10 Td (is ) Tj ET Q q 0 0 0 rg BT 92.34 118.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 131.61 118.10 Td (dependent. ) Tj ET Q q 0 0 0 rg BT 179.63 118.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.26 118.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 229.33 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.74 118.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 290.41 118.10 Td (if ) Tj ET Q q 0 0 0 rg BT 298.60 118.10 Td (any ) Tj ET Q q 0 0 0 rg BT 315.12 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 331.63 118.10 Td (any ) Tj ET Q q 0 0 0 rg BT 348.15 118.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 394.66 118.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 428.95 118.10 Td (are ) Tj ET Q q 0 0 0 rg BT 443.23 118.10 Td (char) Tj ET Q q 0 0 0 rg BT 460.26 118.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 476.78 118.10 Td (against ) Tj ET Q q 0 0 0 rg BT 507.18 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.47 118.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.88 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 100.82 106.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 123.30 106.10 Td (losses.) 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 50 80.76699218750002 m 168.3720703125 80.76699218750002 l s q 0 0 0 rg BT 50.00 82.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 82.10 Td (roubled ) Tj ET Q q 0 0 0 rg BT 89.85 82.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 110.61 82.10 Td (restructurings:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.37 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.63 82.10 Td (A) Tj ET Q q 0 0 0 rg BT 180.30 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 183.85 82.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 204.61 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 214.82 82.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 256.13 82.10 Td (as ) Tj ET Q q 0 0 0 rg BT 268.00 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.99 82.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 312.86 82.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 333.62 82.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 388.25 82.10 Td (when ) Tj ET Q q 0 0 0 rg BT 413.46 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 421.44 82.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 461.63 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 471.85 82.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 527.03 82.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 70.10 Td (ficulties ) Tj ET Q q 0 0 0 rg BT 95.60 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 113.06 70.10 Td (leads ) Tj ET Q q 0 0 0 rg BT 136.07 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 146.31 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 153.22 70.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 206.77 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 217.57 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.25 70.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 254.43 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.33 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.01 70.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 327.36 70.10 Td (grants ) Tj ET Q q 0 0 0 rg BT 354.26 70.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 404.49 70.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.73 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.41 70.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 468.53 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 478.77 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.45 70.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 547.01 70.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (it ) Tj ET Q q 0 0 0 rg BT 57.52 58.10 Td (would ) Tj ET Q q 0 0 0 rg BT 84.48 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 99.22 58.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 140.05 58.10 Td (consider) Tj ET Q q 0 0 0 rg BT 173.38 58.10 Td (. ) Tj ET Q q 0 0 0 rg BT 177.70 58.10 Td (These ) Tj ET Q q 0 0 0 rg BT 203.54 58.10 Td (concessions ) Tj ET Q q 0 0 0 rg BT 253.26 58.10 Td (may ) Tj ET Q q 0 0 0 rg BT 272.44 58.10 Td (include ) Tj ET Q q 0 0 0 rg BT 303.84 58.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 320.78 58.10 Td (reductions, ) Tj ET Q q 0 0 0 rg BT 366.90 58.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 404.40 58.10 Td (for) Tj ET Q q 0 0 0 rg BT 415.88 58.10 Td (giveness, ) Tj ET Q q 0 0 0 rg BT 454.78 58.10 Td (deferral ) Tj ET Q q 0 0 0 rg BT 487.82 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 498.11 58.10 Td (past ) Tj ET Q q 0 0 0 rg BT 516.18 58.10 Td (due ) Tj ET Q q 0 0 0 rg BT 532.58 58.10 Td (interest ) Tj ET Q endstream endobj 161 0 obj <> endobj 162 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (80) Tj ET Q 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 61.05 742.10 Td (principal, ) Tj ET Q q 0 0 0 rg BT 101.82 742.10 Td (extension ) Tj ET Q q 0 0 0 rg BT 142.87 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.93 742.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 190.53 742.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 212.41 742.10 Td (modification ) Tj ET Q q 0 0 0 rg BT 266.24 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 277.29 742.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 330.55 742.10 Td (schedules, ) Tj ET Q q 0 0 0 rg BT 374.65 742.10 Td (redemption ) Tj ET Q q 0 0 0 rg BT 422.92 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.97 742.10 Td (past ) Tj ET Q q 0 0 0 rg BT 452.81 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 469.97 742.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 493.24 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 510.41 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 533.68 742.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (intended ) Tj ET Q q 0 0 0 rg BT 86.93 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 97.21 730.10 Td (minimize ) Tj ET Q q 0 0 0 rg BT 137.48 730.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 174.97 730.10 Td (losses.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (In ) Tj ET Q q 0 0 0 rg BT 60.82 706.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 111.63 706.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 146.33 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 153.26 706.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 181.30 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 190.46 706.10 Td (experiencing ) Tj ET Q q 0 0 0 rg BT 244.60 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 282.07 706.10 Td (dif) Tj ET Q q 0 0 0 rg BT 293.00 706.10 Td (ficulties, ) Tj ET Q q 0 0 0 rg BT 330.20 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.91 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 386.29 706.10 Td (considers ) Tj ET Q q 0 0 0 rg BT 426.55 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 435.15 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 449.85 706.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 477.89 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 487.05 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.32 706.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 534.25 706.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.59 694.10 Td (would ) Tj ET Q q 0 0 0 rg BT 89.86 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 102.56 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 113.60 694.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 151.30 694.10 Td (default ) Tj ET Q q 0 0 0 rg BT 182.33 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.37 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.85 694.10 Td (foreseeable ) Tj ET Q q 0 0 0 rg BT 257.64 694.10 Td (future ) Tj ET Q q 0 0 0 rg BT 284.78 694.10 Td (without ) Tj ET Q q 0 0 0 rg BT 318.60 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.08 694.10 Td (modification, ) Tj ET Q q 0 0 0 rg BT 390.94 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 406.43 694.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 435.24 694.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 472.36 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 483.96 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 493.89 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.93 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.42 694.10 Td (process ) 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 50.00 682.10 Td (declaring ) Tj ET Q q 0 0 0 rg BT 89.23 682.10 Td (bankruptcy) Tj ET Q q 0 0 0 rg BT 133.57 682.10 Td (, ) Tj ET Q q 0 0 0 rg BT 138.10 682.10 Td (there ) Tj ET Q q 0 0 0 rg BT 160.11 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 168.81 682.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 213.62 682.10 Td (doubt ) Tj ET Q q 0 0 0 rg BT 238.43 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 255.45 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.70 682.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 297.28 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 314.86 682.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 351.33 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 361.69 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 368.16 682.10 Td (going ) Tj ET Q q 0 0 0 rg BT 392.96 682.10 Td (concern, ) Tj ET Q q 0 0 0 rg BT 429.14 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 443.39 682.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 470.96 682.10 Td (has ) Tj ET Q q 0 0 0 rg BT 486.33 682.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 526.12 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 543.14 682.10 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (been ) Tj ET Q q 0 0 0 rg BT 71.42 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 82.29 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 97.04 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 107.36 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 122.12 670.10 Td (process ) Tj ET Q q 0 0 0 rg BT 154.65 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.52 670.10 Td (being ) Tj ET Q q 0 0 0 rg BT 190.28 670.10 Td (delisted, ) Tj ET Q q 0 0 0 rg BT 226.42 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.18 670.10 Td (debtor) Tj ET Q q 0 0 0 rg BT 267.10 670.10 Td () Tj ET Q q 0 0 0 rg BT 269.88 670.10 Td (s ) Tj ET Q q 0 0 0 rg BT 276.31 670.10 Td (entity-specific ) Tj ET Q q 0 0 0 rg BT 336.05 670.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 375.79 670.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 396.10 670.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 420.87 670.10 Td (will ) Tj ET Q q 0 0 0 rg BT 438.96 670.10 Td (not ) Tj ET Q q 0 0 0 rg BT 454.28 670.10 Td (be ) Tj ET Q q 0 0 0 rg BT 466.26 670.10 Td (suf) Tj ET Q q 0 0 0 rg BT 478.31 670.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 506.39 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.71 670.10 Td (service ) Tj ET Q q 0 0 0 rg BT 547.57 670.10 Td (any ) 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 60.92 658.10 Td (its ) Tj ET Q q 0 0 0 rg BT 72.97 658.10 Td (debt, ) Tj ET Q q 0 0 0 rg BT 95.28 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 106.20 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.01 658.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 149.15 658.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 178.40 658.10 Td (obtain ) Tj ET Q q 0 0 0 rg BT 205.99 658.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 230.81 658.10 Td (from ) Tj ET Q q 0 0 0 rg BT 252.84 658.10 Td (sources ) Tj ET Q q 0 0 0 rg BT 285.43 658.10 Td (other ) Tj ET Q q 0 0 0 rg BT 308.57 658.10 Td (than ) Tj ET Q q 0 0 0 rg BT 328.38 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.19 658.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 377.45 658.10 Td (creditors ) Tj ET Q q 0 0 0 rg BT 415.03 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 424.84 658.10 Td (a ) Tj ET Q q 0 0 0 rg BT 431.87 658.10 Td (market ) Tj ET Q q 0 0 0 rg BT 462.23 658.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 479.81 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 494.06 658.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 513.88 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 534.25 658.10 Td (similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.50 646.10 Td (characteristics.) 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 60.55 622.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 111.09 622.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 145.51 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.95 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 201.05 622.10 Td (has ) Tj ET Q q 0 0 0 rg BT 216.60 622.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 248.80 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 255.46 622.10 Td (concession, ) Tj ET Q q 0 0 0 rg BT 304.06 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.49 622.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 359.60 622.10 Td (assesses, ) Tj ET Q q 0 0 0 rg BT 397.09 622.10 Td (if ) Tj ET Q q 0 0 0 rg BT 405.41 622.10 Td (it ) Tj ET Q q 0 0 0 rg BT 413.19 622.10 Td (does ) Tj ET Q q 0 0 0 rg BT 433.74 622.10 Td (not ) Tj ET Q q 0 0 0 rg BT 448.73 622.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 477.05 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 487.04 622.10 Td (collect ) Tj ET Q q 0 0 0 rg BT 515.91 622.10 Td (all ) Tj ET Q q 0 0 0 rg BT 528.13 622.10 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (due, ) Tj ET Q q 0 0 0 rg BT 69.78 610.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 104.82 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.88 610.10 Td (current ) Tj ET Q q 0 0 0 rg BT 151.03 610.10 Td (value ) Tj ET Q q 0 0 0 rg BT 175.52 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.69 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.75 610.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 241.78 610.10 Td (will ) Tj ET Q q 0 0 0 rg BT 260.18 610.10 Td (satisfy ) Tj ET Q q 0 0 0 rg BT 289.13 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.18 610.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 340.91 610.10 Td (owed, ) Tj ET Q q 0 0 0 rg BT 367.90 610.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 402.95 610.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 445.78 610.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 485.81 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 496.98 610.10 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 542.58 610.10 Td (from ) Tj ET Q 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 64.71 598.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 92.76 598.10 Td (will ) Tj ET Q q 0 0 0 rg BT 110.81 598.10 Td (serve ) Tj ET Q q 0 0 0 rg BT 134.41 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 145.24 598.10 Td (adequate ) Tj ET Q q 0 0 0 rg BT 183.27 598.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 241.31 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 255.46 598.10 Td (other ) Tj ET Q q 0 0 0 rg BT 278.51 598.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 303.22 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.05 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 328.76 598.10 Td (restructuring, ) Tj ET Q q 0 0 0 rg BT 384.86 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 401.79 598.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 436.50 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.21 598.10 Td (debtor ) Tj ET Q q 0 0 0 rg BT 479.26 598.10 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 520.63 598.10 Td (has ) Tj ET Q q 0 0 0 rg BT 536.46 598.10 Td (access ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 586.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 85.00 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 94.72 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 101.66 586.10 Td (market ) Tj ET Q q 0 0 0 rg BT 131.92 586.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 149.40 586.10 Td (for ) Tj ET Q q 0 0 0 rg BT 163.56 586.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 183.28 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 203.56 586.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 233.83 586.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 251.33 586.10 Td (characteristics.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.29 562.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 77.12 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 93.73 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 102.02 562.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 139.74 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 148.57 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 154.62 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 184.00 562.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 200.61 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 210.55 562.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 241.60 562.10 Td (will ) Tj ET Q q 0 0 0 rg BT 258.77 562.10 Td (not ) Tj ET Q q 0 0 0 rg BT 273.17 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 284.22 562.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 323.60 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 333.55 562.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 368.49 562.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 387.32 562.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 440.03 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 449.43 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 463.26 562.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 498.74 562.10 Td (year ) Tj ET Q q 0 0 0 rg BT 517.56 562.10 Td (subsequent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.91 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.26 550.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 127.48 550.10 Td (if ) Tj ET Q q 0 0 0 rg BT 135.72 550.10 Td (it ) Tj ET Q q 0 0 0 rg BT 143.41 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.21 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.11 550.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 210.33 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 230.24 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.59 550.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 282.82 550.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 312.17 550.10 Td (Payment ) Tj ET Q q 0 0 0 rg BT 349.30 550.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 401.95 550.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 423.52 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 440.09 550.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 486.66 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 496.56 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.91 550.10 Td (restructuring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.33 538.10 Td (taken ) Tj ET Q q 0 0 0 rg BT 83.64 538.10 Td (into ) Tj ET Q q 0 0 0 rg BT 101.85 538.10 Td (account ) Tj ET Q q 0 0 0 rg BT 135.60 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 146.04 538.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 185.91 538.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 220.78 538.10 Td (it ) Tj ET Q q 0 0 0 rg BT 228.99 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 238.32 538.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 263.75 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 281.40 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.27 538.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 335.58 538.10 Td (can ) Tj ET Q q 0 0 0 rg BT 352.11 538.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 374.20 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.07 538.10 Td (new ) Tj ET Q q 0 0 0 rg BT 408.39 538.10 Td (terms. ) Tj ET Q q 0 0 0 rg BT 438.26 538.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 465.91 538.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 495.77 538.10 Td (circumstances, ) Tj ET Q q 0 0 0 rg BT 557.56 538.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.71 526.10 Td (may ) Tj ET Q q 0 0 0 rg BT 89.43 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 101.36 526.10 Td (returned ) Tj ET Q q 0 0 0 rg BT 137.18 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 147.45 526.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 178.81 526.10 Td (at ) Tj ET Q q 0 0 0 rg BT 188.53 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 203.24 526.10 Td (time ) Tj ET Q q 0 0 0 rg BT 223.51 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.34 526.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 292.38 526.10 Td (A) Tj ET Q q 0 0 0 rg BT 299.05 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.55 526.10 Td (period ) Tj ET Q q 0 0 0 rg BT 329.59 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.42 526.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 380.13 526.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 424.83 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 438.99 526.10 Td (at ) Tj ET Q q 0 0 0 rg BT 448.71 526.10 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.53 526.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.20 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 483.70 526.10 Td (months ) Tj ET Q q 0 0 0 rg BT 515.64 526.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 555.34 526.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (required ) Tj ET Q q 0 0 0 rg BT 85.82 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 99.98 514.10 Td (return ) Tj ET Q q 0 0 0 rg BT 126.35 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 136.63 514.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 167.99 514.10 Td (status.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 97.67 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.58 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.21 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 158.50 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 176.47 490.10 Td (restructure ) Tj ET Q q 0 0 0 rg BT 221.63 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 228.48 490.10 Td (note ) Tj ET Q q 0 0 0 rg BT 248.10 490.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.07 490.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.07 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.48 490.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 318.64 490.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 342.15 490.10 Td (\(A/B ) Tj ET Q q 0 0 0 rg BT 364.56 490.10 Td (structure\), ) Tj ET Q q 0 0 0 rg BT 407.79 490.10 Td (char) Tj ET Q q 0 0 0 rg BT 424.81 490.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 445.00 490.10 Td (of) Tj ET Q q 0 0 0 rg BT 453.15 490.10 Td (f ) Tj ET Q q 0 0 0 rg BT 458.89 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.51 490.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 498.69 490.10 Td (B ) Tj ET Q q 0 0 0 rg BT 507.77 490.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 539.06 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 490.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (note. ) Tj ET Q q 0 0 0 rg BT 72.19 478.10 Td (The ) Tj ET Q q 0 0 0 rg BT 89.81 478.10 Td (A) Tj ET Q q 0 0 0 rg BT 96.48 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 99.14 478.10 Td (note ) Tj ET Q q 0 0 0 rg BT 119.02 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 128.35 478.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 170.99 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 191.43 478.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 239.63 478.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 295.60 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 312.70 478.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 333.13 478.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 354.12 478.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 392.86 478.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 417.74 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 435.40 478.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 468.60 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 482.93 478.10 Td (a ) Tj ET Q q 0 0 0 rg BT 490.03 478.10 Td (high ) Tj ET Q q 0 0 0 rg BT 510.47 478.10 Td (likelihood ) 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 (repayment. ) Tj ET Q q 0 0 0 rg BT 97.04 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 114.56 466.10 Td (A) Tj ET Q q 0 0 0 rg BT 121.23 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.75 466.10 Td (note ) Tj ET Q q 0 0 0 rg BT 143.49 466.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.68 466.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 192.97 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 203.82 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 210.79 466.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 276.62 466.10 Td (note ) Tj ET Q q 0 0 0 rg BT 296.36 466.10 Td (until ) Tj ET Q q 0 0 0 rg BT 317.22 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.96 466.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 371.14 466.10 Td (has ) Tj ET Q q 0 0 0 rg BT 386.99 466.10 Td (displayed ) Tj ET Q q 0 0 0 rg BT 427.84 466.10 Td (a ) Tj ET Q q 0 0 0 rg BT 434.80 466.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 474.54 466.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 511.49 466.10 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.60 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 69.97 454.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 114.66 454.10 Td (time ) Tj ET Q q 0 0 0 rg BT 134.37 454.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 155.74 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.45 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.83 454.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 228.20 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.91 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 252.07 454.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 307.17 454.10 Td (A) Tj ET Q q 0 0 0 rg BT 313.84 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.77 454.10 Td (period ) Tj ET Q q 0 0 0 rg BT 343.25 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 353.52 454.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 392.67 454.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 436.81 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 450.40 454.10 Td (at ) Tj ET Q q 0 0 0 rg BT 459.56 454.10 Td (least ) Tj ET Q q 0 0 0 rg BT 479.82 454.10 Td (six ) Tj ET Q q 0 0 0 rg BT 493.42 454.10 Td (months ) Tj ET Q q 0 0 0 rg BT 524.80 454.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.16 442.10 Td (required ) Tj ET Q q 0 0 0 rg BT 92.97 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.24 442.10 Td (return ) Tj ET Q q 0 0 0 rg BT 127.60 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.31 442.10 Td (note ) Tj ET Q q 0 0 0 rg BT 160.02 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.29 442.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 199.64 442.10 Td (status ) Tj ET Q q 0 0 0 rg BT 223.91 442.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 260.95 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 277.43 442.10 Td (management ) Tj ET Q q 0 0 0 rg BT 330.01 442.10 Td (has ) Tj ET Q q 0 0 0 rg BT 344.83 442.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 391.30 442.10 Td (that ) Tj ET Q q 0 0 0 rg BT 407.79 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.50 442.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.51 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 481.67 442.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 526.48 442.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.29 430.10 Td (continue. ) Tj ET Q q 0 0 0 rg BT 99.55 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 117.05 430.10 Td (A) Tj ET Q q 0 0 0 rg BT 123.72 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 126.22 430.10 Td (note ) Tj ET Q q 0 0 0 rg BT 145.95 430.10 Td (will ) Tj ET Q q 0 0 0 rg BT 164.01 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 175.96 430.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 216.23 430.10 Td (as ) Tj ET Q q 0 0 0 rg BT 227.07 430.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.01 430.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 284.27 430.10 Td (note ) Tj ET Q q 0 0 0 rg BT 304.00 430.10 Td (\(either ) Tj ET Q q 0 0 0 rg BT 332.60 430.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 380.09 430.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.93 430.10 Td (non-performing\) ) Tj ET Q q 0 0 0 rg BT 460.08 430.10 Td (through ) Tj ET Q q 0 0 0 rg BT 493.70 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.42 430.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 544.79 430.10 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 418.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 129.14 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 146.64 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.35 418.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 201.06 418.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 238.00 418.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 291.02 418.10 Td (has ) Tj ET Q q 0 0 0 rg BT 306.85 418.10 Td (been ) Tj ET Q q 0 0 0 rg BT 328.23 418.10 Td (established.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td () 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 50 392.7669921875 m 198.21044921875 392.7669921875 l s q 0 0 0 rg BT 50.00 394.10 Td (Allowance ) Tj ET Q q 0 0 0 rg BT 96.30 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 110.95 394.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 131.15 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.57 394.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 171.54 394.10 Td (losses:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.21 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 203.48 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 222.01 394.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 265.53 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 280.17 394.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 300.38 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 317.80 394.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 340.77 394.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 367.65 394.10 Td (\("ALLL"\) ) Tj ET Q q 0 0 0 rg BT 411.00 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 420.66 394.10 Td (established ) Tj ET Q q 0 0 0 rg BT 468.07 394.10 Td (through ) Tj ET Q q 0 0 0 rg BT 502.17 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 509.59 394.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 550.35 394.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.24 382.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 99.61 382.10 Td (char) Tj ET Q q 0 0 0 rg BT 116.64 382.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 132.56 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.81 382.10 Td (expense. ) Tj ET Q q 0 0 0 rg BT 180.50 382.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 206.42 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 220.10 382.10 Td (char) Tj ET Q q 0 0 0 rg BT 237.13 382.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 253.04 382.10 Td (against ) Tj ET Q q 0 0 0 rg BT 282.85 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.22 382.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 321.39 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 322.87 382.10 Td (when ) Tj ET Q q 0 0 0 rg BT 346.01 382.10 Td (management ) Tj ET Q q 0 0 0 rg BT 398.58 382.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 432.82 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 449.29 382.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 502.97 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 512.78 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 526.48 382.10 Td (principal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.68 370.10 Td (unlikely) Tj ET Q q 0 0 0 rg BT 90.80 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 97.67 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 115.23 370.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 157.77 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 166.45 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 177.90 370.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 209.91 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 226.91 370.10 Td (management ) Tj ET Q q 0 0 0 rg BT 280.01 370.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 314.79 370.10 Td (will ) Tj ET Q q 0 0 0 rg BT 332.35 370.10 Td (be ) Tj ET Q q 0 0 0 rg BT 343.80 370.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 391.35 370.10 Td (to ) Tj ET Q q 0 0 0 rg BT 401.13 370.10 Td (absorb ) Tj ET Q q 0 0 0 rg BT 429.81 370.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 466.80 370.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 492.70 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 504.71 370.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 538.39 370.10 Td (loans, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.97 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 89.16 358.10 Td (an ) Tj ET Q q 0 0 0 rg BT 101.80 358.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 146.65 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.17 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 173.59 358.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 228.99 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.51 358.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 264.82 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 282.46 358.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 305.09 358.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 323.85 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 341.49 358.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 379.66 358.10 Td (experience ) Tj ET Q q 0 0 0 rg BT 426.16 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 437.68 358.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 486.41 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 512.38 358.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 538.50 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 546.46 358.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 75.18 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.73 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 84.96 346.10 Td (based ) Tj ET Q q 0 0 0 rg BT 109.28 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 120.84 346.10 Td (management) Tj ET Q q 0 0 0 rg BT 174.71 346.10 Td (s ) Tj ET Q q 0 0 0 rg BT 180.16 346.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 223.36 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.25 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.02 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 265.80 346.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 302.35 346.10 Td (giving ) Tj ET Q q 0 0 0 rg BT 329.46 346.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 384.89 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 394.23 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.00 346.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 434.54 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.54 346.10 Td (volume ) Tj ET Q q 0 0 0 rg BT 482.09 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.97 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.75 346.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 524.52 346.10 Td (portfolio, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.42 334.10 Td (value ) Tj ET Q q 0 0 0 rg BT 88.29 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 98.82 334.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 144.36 334.10 Td (collateral, ) Tj ET Q q 0 0 0 rg BT 186.26 334.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 216.23 334.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 253.43 334.10 Td (quality) Tj ET Q q 0 0 0 rg BT 280.56 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 285.26 334.10 Td (review ) Tj ET Q q 0 0 0 rg BT 314.68 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 325.21 334.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 358.52 334.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 394.05 334.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 419.86 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.51 334.10 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 479.26 334.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 520.34 334.10 Td (conditions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.00 322.10 Td (may ) Tj ET Q q 0 0 0 rg BT 86.22 322.10 Td (af) Tj ET Q q 0 0 0 rg BT 93.81 322.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 110.80 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 125.02 322.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 162.04 322.10 Td () Tj ET Q q 0 0 0 rg BT 164.82 322.10 Td (s ) Tj ET Q q 0 0 0 rg BT 170.71 322.10 Td (ability ) Tj ET Q q 0 0 0 rg BT 198.27 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.05 322.10 Td (pay) Tj ET Q q 0 0 0 rg BT 221.84 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 228.69 322.10 Td (While ) Tj ET Q q 0 0 0 rg BT 255.13 322.10 Td (management ) Tj ET Q q 0 0 0 rg BT 308.22 322.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 327.45 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.67 322.10 Td (best ) Tj ET Q q 0 0 0 rg BT 359.78 322.10 Td (information ) Tj ET Q q 0 0 0 rg BT 409.00 322.10 Td (available ) Tj ET Q q 0 0 0 rg BT 447.09 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 456.87 322.10 Td (make ) Tj ET Q q 0 0 0 rg BT 480.53 322.10 Td (its ) Tj ET Q q 0 0 0 rg BT 491.98 322.10 Td (evaluation, ) Tj ET Q q 0 0 0 rg BT 538.13 322.10 Td (future ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 100.57 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 111.14 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.14 310.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 169.47 310.10 Td (may ) Tj ET Q q 0 0 0 rg BT 189.48 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 201.71 310.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 243.37 310.10 Td (if ) Tj ET Q q 0 0 0 rg BT 252.27 310.10 Td (there ) Tj ET Q q 0 0 0 rg BT 275.04 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 290.04 310.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 335.05 310.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 370.05 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.62 310.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 422.28 310.10 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 471.74 310.10 Td (In ) Tj ET Q q 0 0 0 rg BT 482.86 310.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 520.93 310.10 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (agencies, ) Tj ET Q q 0 0 0 rg BT 89.36 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 100.13 298.10 Td (an ) Tj ET Q q 0 0 0 rg BT 112.01 298.10 Td (integral ) Tj ET Q q 0 0 0 rg BT 144.99 298.10 Td (part ) Tj ET Q q 0 0 0 rg BT 162.97 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.74 298.10 Td (their ) Tj ET Q q 0 0 0 rg BT 194.50 298.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 246.37 298.10 Td (process, ) Tj ET Q q 0 0 0 rg BT 281.30 298.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 331.49 298.10 Td (review ) Tj ET Q q 0 0 0 rg BT 361.14 298.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 379.14 298.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 418.79 298.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 442.68 298.10 Td (s ) Tj ET Q q 0 0 0 rg BT 448.47 298.10 Td (ALLL, ) Tj ET Q q 0 0 0 rg BT 478.95 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.83 298.10 Td (may ) Tj ET Q q 0 0 0 rg BT 515.48 298.10 Td (require ) Tj ET Q q 0 0 0 rg BT 546.24 298.10 Td (it ) Tj ET Q q 0 0 0 rg BT 554.23 298.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 90.74 286.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 140.40 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 150.06 286.10 Td (its ) Tj ET Q q 0 0 0 rg BT 161.39 286.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 203.81 286.10 Td (based ) Tj ET Q q 0 0 0 rg BT 228.46 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 240.34 286.10 Td (their ) Tj ET Q q 0 0 0 rg BT 260.55 286.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 304.09 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.31 286.10 Td (information ) Tj ET Q q 0 0 0 rg BT 363.40 286.10 Td (available ) Tj ET Q q 0 0 0 rg BT 401.37 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.03 286.10 Td (them ) Tj ET Q q 0 0 0 rg BT 432.91 286.10 Td (at ) Tj ET Q q 0 0 0 rg BT 442.01 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.11 286.10 Td (time ) Tj ET Q q 0 0 0 rg BT 475.76 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.98 286.10 Td (their ) Tj ET Q q 0 0 0 rg BT 506.18 286.10 Td (examinations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.76 262.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 92.93 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.77 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 105.27 262.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 149.76 262.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.92 262.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.91 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 183.74 262.10 Td (elements: ) Tj ET Q q 0 0 0 rg BT 224.90 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.17 262.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 282.20 262.10 Td (related ) Tj ET Q q 0 0 0 rg BT 312.24 262.10 Td (general ) Tj ET Q q 0 0 0 rg BT 344.50 262.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 362.90 262.10 Td (reserve; ) Tj ET Q q 0 0 0 rg BT 397.38 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 404.65 262.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 454.68 262.10 Td (related ) Tj ET Q q 0 0 0 rg BT 484.72 262.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 518.64 262.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 550.35 262.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 88.04 250.10 Td (loans; ) Tj ET Q q 0 0 0 rg BT 114.43 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.37 250.10 Td (a ) Tj ET Q q 0 0 0 rg BT 138.31 250.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 179.68 250.10 Td (related ) Tj ET Q q 0 0 0 rg BT 209.38 250.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 240.75 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 254.91 250.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 284.15 250.10 Td (-balance ) Tj ET Q q 0 0 0 rg BT 320.51 250.10 Td (homogenous ) Tj ET Q q 0 0 0 rg BT 374.12 250.10 Td (loans.Each ) Tj ET Q q 0 0 0 rg BT 425.21 250.10 Td (element ) Tj ET Q q 0 0 0 rg BT 459.36 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 468.53 250.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 509.36 250.10 Td (below) Tj ET Q q 0 0 0 rg BT 533.15 250.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.47 226.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 134.05 226.10 Td (General ) Tj ET Q q 0 0 0 rg BT 167.73 226.10 Td (Loss ) Tj ET Q q 0 0 0 rg BT 188.66 226.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 222.91 226.10 Td (- ) Tj ET Q q 0 0 0 rg BT 228.13 226.10 Td (W) Tj ET Q q 0 0 0 rg BT 236.77 226.10 Td (e ) Tj ET Q q 0 0 0 rg BT 243.24 226.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 280.27 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 286.75 226.10 Td (general ) Tj ET Q q 0 0 0 rg BT 318.21 226.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 337.47 226.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 355.07 226.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 385.97 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 399.67 226.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.93 226.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.59 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.63 226.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 475.20 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 485.57 226.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 534.80 226.10 Td (related ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.31 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 85.29 214.10 Td (our ) Tj ET Q q 0 0 0 rg BT 101.82 214.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 140.01 214.10 Td (- ) Tj ET Q q 0 0 0 rg BT 146.54 214.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 196.94 214.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 223.75 214.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 274.14 214.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 298.45 214.10 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 355.50 214.10 Td (by ) Tj ET Q q 0 0 0 rg BT 368.70 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.12 214.10 Td (assignment ) Tj ET Q q 0 0 0 rg BT 432.31 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 443.84 214.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 467.03 214.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 508.55 214.10 Td (\(lease ) Tj ET Q q 0 0 0 rg BT 535.07 214.10 Td (loans\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.70 202.10 Td (real ) Tj ET Q q 0 0 0 rg BT 117.18 202.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 142.45 202.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 166.05 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.99 202.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 234.93 202.10 Td (real ) Tj ET Q q 0 0 0 rg BT 252.41 202.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 277.68 202.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 76.85 178.10 Td (our ) Tj ET Q q 0 0 0 rg BT 92.04 178.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 111.12 178.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 127.97 178.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 153.16 178.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 185.30 178.10 Td (each ) Tj ET Q q 0 0 0 rg BT 205.47 178.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 227.05 178.10 Td (with ) Tj ET Q q 0 0 0 rg BT 246.69 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.76 178.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 301.49 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.68 178.10 Td (those ) Tj ET Q q 0 0 0 rg BT 334.65 178.10 Td (included ) Tj ET Q q 0 0 0 rg BT 370.94 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 380.58 178.10 Td (lar) Tj ET Q q 0 0 0 rg BT 390.95 178.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 402.25 178.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 431.33 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.52 178.10 Td (smaller) Tj ET Q q 0 0 0 rg BT 470.75 178.10 Td (-balance ) Tj ET Q q 0 0 0 rg BT 506.47 178.10 Td (homogeneous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 90.59 166.10 Td (related ) Tj ET Q q 0 0 0 rg BT 119.50 166.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 144.81 166.10 Td (is ) Tj ET Q q 0 0 0 rg BT 153.19 166.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 169.90 166.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 191.60 166.10 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.62 166.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.06 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 242.77 166.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.92 166.10 Td (nine) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.13 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.84 166.10 Td (by ) Tj ET Q q 0 0 0 rg BT 289.55 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.48 166.10 Td (originating ) Tj ET Q q 0 0 0 rg BT 349.07 166.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 367.99 166.10 Td (of) Tj ET Q q 0 0 0 rg BT 376.14 166.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 394.06 166.10 Td (, ) Tj ET Q q 0 0 0 rg BT 398.27 166.10 Td (Senior ) Tj ET Q q 0 0 0 rg BT 426.08 166.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 452.79 166.10 Td (Management, ) Tj ET Q q 0 0 0 rg BT 509.20 166.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 531.46 166.10 Td (Review ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.15 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 81.18 154.10 Td (committee. ) Tj ET Q q 0 0 0 rg BT 130.58 154.10 Td (A) Tj ET Q q 0 0 0 rg BT 137.25 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.07 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 160.10 154.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 182.90 154.10 Td ("one" ) Tj ET Q q 0 0 0 rg BT 208.32 154.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 251.68 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 258.93 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 278.96 154.10 Td (least ) Tj ET Q q 0 0 0 rg BT 300.10 154.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 325.69 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.29 154.10 Td (default, ) Tj ET Q q 0 0 0 rg BT 369.37 154.10 Td (while ) Tj ET Q q 0 0 0 rg BT 394.40 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 401.66 154.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 421.69 154.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 444.49 154.10 Td (") Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 448.57 154.10 Td (nine) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.79 154.10 Td (" ) Tj ET Q q 0 0 0 rg BT 472.69 154.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 516.04 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.30 154.10 Td (loss. ) Tj ET Q q 0 0 0 rg BT 546.47 154.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (probability ) Tj ET Q q 0 0 0 rg BT 96.19 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.83 142.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 130.25 142.10 Td (defaulting ) Tj ET Q q 0 0 0 rg BT 173.10 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 187.07 142.10 Td (each ) Tj ET Q q 0 0 0 rg BT 207.69 142.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 225.00 142.10 Td (rating, ) Tj ET Q q 0 0 0 rg BT 253.13 142.10 Td (sometimes ) Tj ET Q q 0 0 0 rg BT 298.21 142.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 332.16 142.10 Td (to ) Tj ET Q q 0 0 0 rg BT 342.25 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 352.88 142.10 Td (default ) Tj ET Q q 0 0 0 rg BT 382.96 142.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 414.97 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 429.49 142.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 470.12 142.10 Td (based ) Tj ET Q q 0 0 0 rg BT 495.19 142.10 Td (on ) Tj ET Q q 0 0 0 rg BT 507.50 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.03 142.10 Td (frequency ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.50 130.10 Td (which ) Tj ET Q q 0 0 0 rg BT 97.66 130.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 121.49 130.10 Td (migrate ) Tj ET Q q 0 0 0 rg BT 154.75 130.10 Td (from ) Tj ET Q q 0 0 0 rg BT 176.91 130.10 Td (one ) Tj ET Q q 0 0 0 rg BT 194.07 130.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 211.79 130.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 237.84 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.34 130.10 Td (another ) Tj ET Q q 0 0 0 rg BT 281.04 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 298.20 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 308.70 130.10 Td (default ) Tj ET Q q 0 0 0 rg BT 339.19 130.10 Td (status ) Tj ET Q q 0 0 0 rg BT 364.69 130.10 Td (over ) Tj ET Q q 0 0 0 rg BT 385.18 130.10 Td (time. ) Tj ET Q q 0 0 0 rg BT 410.48 130.10 Td (W) Tj ET Q q 0 0 0 rg BT 419.11 130.10 Td (e ) Tj ET Q q 0 0 0 rg BT 426.27 130.10 Td (use ) Tj ET Q q 0 0 0 rg BT 442.32 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 449.48 130.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 469.42 130.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 487.71 130.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 519.29 130.10 Td (model ) Tj ET Q q 0 0 0 rg BT 547.01 130.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 101.50 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.79 118.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 156.75 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.15 118.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 186.44 118.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 203.51 118.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 232.81 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 249.32 118.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 288.60 118.10 Td (default ) Tj ET Q q 0 0 0 rg BT 318.44 118.10 Td (data ) Tj ET Q q 0 0 0 rg BT 337.17 118.10 Td (over ) Tj ET Q q 0 0 0 rg BT 357.01 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 363.53 118.10 Td (multi-year ) Tj ET Q q 0 0 0 rg BT 407.25 118.10 Td (period ) Tj ET Q q 0 0 0 rg BT 434.87 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 444.73 118.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 478.46 118.10 Td (our ) Tj ET Q q 0 0 0 rg BT 493.86 118.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 534.25 118.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 79.62 106.10 Td (\("EDFs"\). ) Tj ET Q q 0 0 0 rg BT 124.46 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 142.42 106.10 Td (model ) Tj ET Q q 0 0 0 rg BT 169.83 106.10 Td (tracks ) Tj ET Q q 0 0 0 rg BT 196.11 106.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 225.18 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 244.81 106.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 270.55 106.10 Td (migrations ) Tj ET Q q 0 0 0 rg BT 315.73 106.10 Td (by ) Tj ET Q q 0 0 0 rg BT 328.14 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 347.77 106.10 Td (type ) Tj ET Q q 0 0 0 rg BT 367.40 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 384.25 106.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 422.75 106.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 442.38 106.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 462.01 106.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 479.42 106.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 505.16 106.10 Td (migrations ) Tj ET Q q 0 0 0 rg BT 550.34 106.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.00 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 61.98 94.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 89.91 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 107.43 94.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 148.29 94.10 Td (data ) Tj ET Q q 0 0 0 rg BT 166.92 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 175.57 94.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 210.87 94.10 Td (by ) Tj ET Q q 0 0 0 rg BT 222.85 94.10 Td (using ) Tj ET Q q 0 0 0 rg BT 246.49 94.10 Td (average ) Tj ET Q q 0 0 0 rg BT 279.55 94.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 305.42 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 319.06 94.10 Td (an ) Tj ET Q q 0 0 0 rg BT 330.47 94.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 371.32 94.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 394.39 94.10 Td (\(approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.46 94.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.46 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.44 94.10 Td (years\) ) Tj ET Q q 0 0 0 rg BT 495.84 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 505.60 94.10 Td (develop ) Tj ET Q q 0 0 0 rg BT 539.23 94.10 Td (EDFs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.50 82.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 82.22 82.10 Td (type, ) Tj ET Q q 0 0 0 rg BT 104.43 82.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 121.93 82.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 147.76 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.70 82.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 197.93 82.10 Td (. ) Tj ET Q q 0 0 0 rg BT 205.43 82.10 Td (EDFs ) Tj ET Q q 0 0 0 rg BT 230.71 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 245.42 82.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 279.58 82.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 316.51 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 326.79 82.10 Td (December) Tj ET Q q 0 0 0 rg BT 367.32 82.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td () Tj ET Q endstream endobj 163 0 obj <> endobj 164 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (81) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (EDFs ) Tj ET Q q 0 0 0 rg BT 74.48 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 88.37 742.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 131.17 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 142.87 742.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 185.11 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 204.02 742.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 240.13 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.60 742.10 Td (each ) Tj ET Q q 0 0 0 rg BT 269.61 742.10 Td (risk-rating ) Tj ET Q q 0 0 0 rg BT 312.96 742.10 Td (category ) Tj ET Q q 0 0 0 rg BT 349.07 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.21 742.10 Td (again ) Tj ET Q q 0 0 0 rg BT 388.55 742.10 Td (multiplied ) Tj ET Q q 0 0 0 rg BT 431.35 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 443.04 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 454.17 742.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 493.08 742.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 510.33 742.10 Td (given ) Tj ET Q q 0 0 0 rg BT 534.24 742.10 Td (default ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 85.85 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 100.03 730.10 Td (each ) Tj ET Q q 0 0 0 rg BT 120.88 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 140.62 730.10 Td (type ) Tj ET Q q 0 0 0 rg BT 160.36 730.10 Td (\(which ) Tj ET Q q 0 0 0 rg BT 190.66 730.10 Td (incorporates ) Tj ET Q q 0 0 0 rg BT 242.61 730.10 Td (recoveries\) ) Tj ET Q q 0 0 0 rg BT 289.55 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.86 730.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 342.36 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 357.11 730.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 405.17 730.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 448.23 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 460.75 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 480.50 730.10 Td (type. ) Tj ET Q q 0 0 0 rg BT 505.06 730.10 Td (This ) Tj ET Q q 0 0 0 rg BT 525.36 730.10 Td (approach ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 718.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 91.10 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.38 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 116.10 718.10 Td (commercial, ) Tj ET Q q 0 0 0 rg BT 168.30 718.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 193.28 718.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 242.98 718.10 Td (real ) Tj ET Q q 0 0 0 rg BT 260.46 718.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 288.23 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.17 718.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 357.10 718.10 Td (real ) Tj ET Q q 0 0 0 rg BT 374.58 718.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 399.85 718.10 Td (components ) Tj ET Q q 0 0 0 rg BT 450.67 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 461.50 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.22 718.10 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 694.10 Td (o ) Tj ET Q q 0 0 0 rg BT 64.48 694.10 Td (account ) Tj ET Q q 0 0 0 rg BT 99.65 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.39 694.10 Td (current ) Tj ET Q q 0 0 0 rg BT 147.77 694.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 190.72 694.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 238.96 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.25 694.10 Td (general ) Tj ET Q q 0 0 0 rg BT 288.75 694.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 333.35 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 349.09 694.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 370.38 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 388.89 694.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 412.95 694.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 440.91 694.10 Td (also ) Tj ET Q q 0 0 0 rg BT 461.10 694.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 498.50 694.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 550.34 694.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 115.60 682.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 149.55 682.10 Td (Macroeconomic ) Tj ET Q q 0 0 0 rg BT 216.26 682.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 245.21 682.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 270.84 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.41 682.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 309.59 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.33 682.10 Td (upward ) Tj ET Q q 0 0 0 rg BT 343.06 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 353.14 682.10 Td (downward ) Tj ET Q q 0 0 0 rg BT 397.09 682.10 Td (based ) Tj ET Q q 0 0 0 rg BT 421.60 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 433.34 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.30 682.10 Td (current ) Tj ET Q q 0 0 0 rg BT 477.36 682.10 Td (point ) Tj ET Q q 0 0 0 rg BT 499.66 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 509.18 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.14 682.10 Td (economic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 72.39 670.10 Td (using ) Tj ET Q q 0 0 0 rg BT 95.35 670.10 Td (predictive ) Tj ET Q q 0 0 0 rg BT 136.62 670.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 176.78 670.10 Td (data ) Tj ET Q q 0 0 0 rg BT 194.73 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 210.46 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 223.96 670.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 254.68 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 263.75 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.26 670.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 295.77 670.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 312.62 670.10 Td (model ) Tj ET Q q 0 0 0 rg BT 338.91 670.10 Td (through ) Tj ET Q q 0 0 0 rg BT 371.31 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.04 670.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 411.08 670.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 452.91 670.10 Td (element ) Tj ET Q q 0 0 0 rg BT 485.85 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 498.80 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.31 670.10 Td (commercial, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.35 658.10 Td (real ) Tj ET Q q 0 0 0 rg BT 118.48 658.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 146.89 658.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 199.47 658.10 Td (real ) Tj ET Q q 0 0 0 rg BT 217.61 658.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 243.52 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.11 658.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 284.24 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 304.61 658.10 Td (components. ) Tj ET Q q 0 0 0 rg BT 360.85 658.10 Td (T) Tj ET Q q 0 0 0 rg BT 366.26 658.10 Td (o ) Tj ET Q q 0 0 0 rg BT 374.41 658.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 417.54 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 434.02 658.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 501.02 658.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 533.88 658.10 Td (we ) Tj ET Q q 0 0 0 rg BT 548.69 658.10 Td (use ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 83.53 646.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 124.83 646.10 Td (data ) Tj ET Q q 0 0 0 rg BT 143.92 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 161.35 646.10 Td (has ) Tj ET Q q 0 0 0 rg BT 177.11 646.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 205.66 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.87 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 227.74 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 234.61 646.10 Td (statistically ) Tj ET Q q 0 0 0 rg BT 282.59 646.10 Td (reliable ) Tj ET Q q 0 0 0 rg BT 315.01 646.10 Td (predictor ) Tj ET Q q 0 0 0 rg BT 353.53 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.30 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 380.06 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 405.26 646.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 431.58 646.10 Td (relative ) Tj ET Q q 0 0 0 rg BT 463.99 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 474.21 646.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.97 646.10 Td (long ) Tj ET Q q 0 0 0 rg BT 510.18 646.10 Td (term ) Tj ET Q q 0 0 0 rg BT 530.94 646.10 Td (average ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 74.93 634.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 103.48 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 105.49 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 114.13 634.10 Td (e ) Tj ET Q q 0 0 0 rg BT 120.73 634.10 Td (tested ) Tj ET Q q 0 0 0 rg BT 146.22 634.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.15 634.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.15 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.31 634.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 219.35 634.10 Td (variables ) Tj ET Q q 0 0 0 rg BT 257.60 634.10 Td (\(U.S. ) Tj ET Q q 0 0 0 rg BT 280.88 634.10 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 341.35 634.10 Td (index, ) Tj ET Q q 0 0 0 rg BT 368.23 634.10 Td (unemployment ) Tj ET Q q 0 0 0 rg BT 430.39 634.10 Td (rate, ) Tj ET Q q 0 0 0 rg BT 450.03 634.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 469.98 634.10 Td (GDP) Tj ET Q q 0 0 0 rg BT 489.61 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 491.78 634.10 Td (growth, ) Tj ET Q q 0 0 0 rg BT 524.77 634.10 Td (etc.\). ) Tj ET Q q 0 0 0 rg BT 546.92 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 548.93 634.10 Td (W) Tj ET Q q 0 0 0 rg BT 557.56 634.10 Td (e ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (review ) Tj ET Q q 0 0 0 rg BT 79.40 622.10 Td (this ) Tj ET Q q 0 0 0 rg BT 96.05 622.10 Td (data ) Tj ET Q q 0 0 0 rg BT 114.90 622.10 Td (annually ) Tj ET Q q 0 0 0 rg BT 151.53 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 161.50 622.10 Td (determine ) Tj ET Q q 0 0 0 rg BT 203.68 622.10 Td (that ) Tj ET Q q 0 0 0 rg BT 220.87 622.10 Td (such ) Tj ET Q q 0 0 0 rg BT 241.40 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.03 622.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 297.44 622.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 337.96 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 347.94 622.10 Td (exist. ) Tj ET Q q 0 0 0 rg BT 371.52 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 373.56 622.10 Td (W) Tj ET Q q 0 0 0 rg BT 382.20 622.10 Td (e ) Tj ET Q q 0 0 0 rg BT 388.83 622.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 427.12 622.10 Td (use ) Tj ET Q q 0 0 0 rg BT 442.65 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.06 622.10 Td (following ) Tj ET Q q 0 0 0 rg BT 498.14 622.10 Td (macroeconomic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (indicators ) Tj ET Q q 0 0 0 rg BT 91.93 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 102.21 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 118.04 610.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 184.40 610.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 210.21 610.10 Td (computation:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.70 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 125.07 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 141.78 586.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 164.03 586.10 Td (loans: ) Tj ET Q q 0 0 0 rg BT 192.68 586.10 Td (total ) Tj ET Q q 0 0 0 rg BT 212.72 586.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 247.77 586.10 Td (capacity ) Tj ET Q q 0 0 0 rg BT 283.35 586.10 Td (utilization, ) Tj ET Q q 0 0 0 rg BT 328.66 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 344.26 586.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 365.96 586.10 Td (period ) Tj ET Q q 0 0 0 rg BT 393.78 586.10 Td (net ) Tj ET Q q 0 0 0 rg BT 408.26 586.10 Td (char) Tj ET Q q 0 0 0 rg BT 425.29 586.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 446.21 586.10 Td (f ) Tj ET Q q 0 0 0 rg BT 451.80 586.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 472.95 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 489.65 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 504.14 586.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 526.40 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 538.67 586.10 Td (BBB-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 72.49 574.10 Td (debt.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 562.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.50 550.10 Td (real ) Tj ET Q q 0 0 0 rg BT 118.55 550.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 143.39 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 166.56 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 183.07 550.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 234.57 550.10 Td (loans: ) Tj ET Q q 0 0 0 rg BT 263.03 550.10 Td (M2 ) Tj ET Q q 0 0 0 rg BT 278.99 550.10 Td (Money ) Tj ET Q q 0 0 0 rg BT 309.39 550.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 335.07 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 350.47 550.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 371.98 550.10 Td (period ) Tj ET Q q 0 0 0 rg BT 399.59 550.10 Td (net ) Tj ET Q q 0 0 0 rg BT 413.88 550.10 Td (char) Tj ET Q q 0 0 0 rg BT 430.90 550.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 451.82 550.10 Td (f ) Tj ET Q q 0 0 0 rg BT 457.22 550.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 480.67 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 494.95 550.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 514.81 550.10 Td (commercial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.49 538.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 92.75 538.10 Td (index ) Tj ET Q q 0 0 0 rg BT 117.47 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 134.40 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.12 538.10 Td (CBOE ) Tj ET Q q 0 0 0 rg BT 178.11 538.10 Td (V) Tj ET Q q 0 0 0 rg BT 184.04 538.10 Td (olatility ) Tj ET Q q 0 0 0 rg BT 217.65 538.10 Td (Index.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 526.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Using ) Tj ET Q q 0 0 0 rg BT 76.32 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.96 514.10 Td (indicators ) Tj ET Q q 0 0 0 rg BT 132.81 514.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 157.46 514.10 Td (above, ) Tj ET Q q 0 0 0 rg BT 186.26 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 193.12 514.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 232.75 514.10 Td (net ) Tj ET Q q 0 0 0 rg BT 247.39 514.10 Td (char) Tj ET Q q 0 0 0 rg BT 264.41 514.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 285.33 514.10 Td (f ) Tj ET Q q 0 0 0 rg BT 291.09 514.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 336.81 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 345.91 514.10 Td (calculated. ) Tj ET Q q 0 0 0 rg BT 393.68 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 411.65 514.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 451.28 514.10 Td (net ) Tj ET Q q 0 0 0 rg BT 465.92 514.10 Td (char) Tj ET Q q 0 0 0 rg BT 482.95 514.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 503.87 514.10 Td (f ) Tj ET Q q 0 0 0 rg BT 509.62 514.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 555.34 514.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (then ) Tj ET Q q 0 0 0 rg BT 71.37 502.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 114.96 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 126.89 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.26 502.10 Td (cycle ) Tj ET Q q 0 0 0 rg BT 168.52 502.10 Td (average ) Tj ET Q q 0 0 0 rg BT 203.76 502.10 Td (net ) Tj ET Q q 0 0 0 rg BT 220.13 502.10 Td (char) Tj ET Q q 0 0 0 rg BT 237.16 502.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 258.08 502.10 Td (f ) Tj ET Q q 0 0 0 rg BT 265.56 502.10 Td (percentage, ) Tj ET Q q 0 0 0 rg BT 315.52 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 334.12 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 342.71 502.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 410.73 502.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 458.77 502.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 486.24 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 497.07 502.10 Td (calculated. ) Tj ET Q q 0 0 0 rg BT 546.45 502.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 116.98 490.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 163.99 490.10 Td (factor ) Tj ET Q q 0 0 0 rg BT 190.43 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 200.22 490.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 232.78 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.68 490.10 Td (each ) Tj ET Q q 0 0 0 rg BT 265.12 490.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 315.44 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 335.78 490.10 Td (type. ) Tj ET Q q 0 0 0 rg BT 361.12 490.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 384.23 490.10 Td (year) Tj ET Q q 0 0 0 rg BT 401.04 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 406.66 490.10 Td (we ) Tj ET Q q 0 0 0 rg BT 421.45 490.10 Td (review ) Tj ET Q q 0 0 0 rg BT 451.78 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 467.12 490.10 Td (predictive ) Tj ET Q q 0 0 0 rg BT 510.22 490.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 538.33 490.10 Td (of ) 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 (macroeconomic ) Tj ET Q q 0 0 0 rg BT 115.86 478.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 145.08 478.10 Td (by ) Tj ET Q q 0 0 0 rg BT 157.08 478.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 201.86 478.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 227.73 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 241.96 478.10 Td (char) Tj ET Q q 0 0 0 rg BT 258.98 478.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 279.90 478.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 289.13 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 298.92 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.14 478.10 Td (predicted ) Tj ET Q q 0 0 0 rg BT 352.35 478.10 Td (model ) Tj ET Q q 0 0 0 rg BT 379.35 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 393.57 478.10 Td (char) Tj ET Q q 0 0 0 rg BT 410.60 478.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 431.52 478.10 Td (fs, ) Tj ET Q q 0 0 0 rg BT 443.25 478.10 Td (re-run ) Tj ET Q q 0 0 0 rg BT 469.68 478.10 Td (our ) Tj ET Q q 0 0 0 rg BT 485.02 478.10 Td (regression ) Tj ET Q q 0 0 0 rg BT 528.13 478.10 Td (analyses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 466.10 Td (re-calibrate ) Tj ET Q q 0 0 0 rg BT 114.96 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 129.67 466.10 Td (macroeconomic ) Tj ET Q q 0 0 0 rg BT 196.03 466.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 225.74 466.10 Td (as ) Tj ET Q q 0 0 0 rg BT 236.57 466.10 Td (appropriate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.61 442.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 134.33 442.10 Td (Specific ) Tj ET Q q 0 0 0 rg BT 169.27 442.10 Td (Reserves ) Tj ET Q q 0 0 0 rg BT 207.54 442.10 Td (- ) Tj ET Q q 0 0 0 rg BT 212.89 442.10 Td (The ) Tj ET Q q 0 0 0 rg BT 230.14 442.10 Td (ALLL) Tj ET Q q 0 0 0 rg BT 255.31 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 257.49 442.10 Td (also ) Tj ET Q q 0 0 0 rg BT 275.78 442.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 311.28 442.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 344.55 442.10 Td (reserves ) Tj ET Q q 0 0 0 rg BT 379.49 442.10 Td (on ) Tj ET Q q 0 0 0 rg BT 391.67 442.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 429.39 442.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 478.76 442.10 Td (related ) Tj ET Q q 0 0 0 rg BT 508.14 442.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 535.95 442.10 Td (A) Tj ET Q q 0 0 0 rg BT 542.62 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 544.79 442.10 Td (loan ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.82 430.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 106.28 430.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.20 430.10 Td (be ) Tj ET Q q 0 0 0 rg BT 129.79 430.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 168.47 430.10 Td (when ) Tj ET Q q 0 0 0 rg BT 193.28 430.10 Td (management ) Tj ET Q q 0 0 0 rg BT 247.52 430.10 Td (believes, ) Tj ET Q q 0 0 0 rg BT 285.92 430.10 Td (after ) Tj ET Q q 0 0 0 rg BT 307.39 430.10 Td (considering ) Tj ET Q q 0 0 0 rg BT 357.19 430.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 399.76 430.10 Td (ef) Tj ET Q q 0 0 0 rg BT 407.35 430.10 Td (forts ) Tj ET Q q 0 0 0 rg BT 428.83 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.41 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 470.10 430.10 Td (factors, ) Tj ET Q q 0 0 0 rg BT 502.96 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 518.32 430.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 555.34 430.10 Td () Tj ET Q q 0 0 0 rg BT 558.12 430.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 418.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 127.75 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 136.92 418.10 Td (such ) Tj ET Q q 0 0 0 rg BT 157.75 418.10 Td (that ) Tj ET Q q 0 0 0 rg BT 175.25 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.97 418.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 231.89 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 242.72 418.10 Td (all ) Tj ET Q q 0 0 0 rg BT 255.22 418.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 302.14 418.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 340.18 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.12 418.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 389.05 418.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 429.88 418.10 Td (due ) Tj ET Q q 0 0 0 rg BT 446.82 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 455.99 418.10 Td (doubtful.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (At ) Tj ET Q q 0 0 0 rg BT 62.57 394.10 Td (each ) Tj ET Q q 0 0 0 rg BT 83.45 394.10 Td (quarter) Tj ET Q q 0 0 0 rg BT 111.56 394.10 Td (-end, ) Tj ET Q q 0 0 0 rg BT 134.40 394.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 172.50 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 196.18 394.10 Td (are ) Tj ET Q q 0 0 0 rg BT 210.95 394.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 250.16 394.10 Td (individually) Tj ET Q q 0 0 0 rg BT 297.84 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 302.91 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 323.25 394.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 373.59 394.10 Td (made ) Tj ET Q q 0 0 0 rg BT 397.81 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.16 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.94 394.10 Td (general ) Tj ET Q q 0 0 0 rg BT 454.93 394.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 498.02 394.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 529.46 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 543.68 394.10 Td (each ) 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 70.18 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 81.48 382.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 115.54 382.10 Td (necessary) Tj ET Q q 0 0 0 rg BT 153.76 382.10 Td (. ) Tj ET Q q 0 0 0 rg BT 161.73 382.10 Td (Specific ) Tj ET Q q 0 0 0 rg BT 197.46 382.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 248.20 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 263.38 382.10 Td (made ) Tj ET Q q 0 0 0 rg BT 288.00 382.10 Td (depending ) Tj ET Q q 0 0 0 rg BT 332.62 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 345.59 382.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 384.09 382.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 404.83 382.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 430.02 382.10 Td (and/or ) Tj ET Q q 0 0 0 rg BT 458.53 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.72 382.10 Td (value ) Tj ET Q q 0 0 0 rg BT 498.34 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 509.64 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.82 382.10 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (securing ) Tj ET Q q 0 0 0 rg BT 85.53 370.10 Td (each ) Tj ET Q q 0 0 0 rg BT 105.50 370.10 Td (loan. ) Tj ET Q q 0 0 0 rg BT 129.38 370.10 Td (Generally) Tj ET Q q 0 0 0 rg BT 168.15 370.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.30 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.18 370.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.72 370.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 257.26 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 263.35 370.10 Td (current ) Tj ET Q q 0 0 0 rg BT 293.33 370.10 Td (external ) Tj ET Q q 0 0 0 rg BT 327.18 370.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 364.93 370.10 Td (\(within ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.47 370.10 Td (12) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.47 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 407.13 370.10 Td (months\) ) Tj ET Q q 0 0 0 rg BT 441.56 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 453.22 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 469.86 370.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 494.28 370.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 526.47 370.10 Td (impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 77.68 358.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 94.80 358.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 132.46 358.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 159.02 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 167.26 358.10 Td (designed ) Tj ET Q q 0 0 0 rg BT 204.38 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 213.73 358.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 245.29 358.10 Td (with ) Tj ET Q q 0 0 0 rg BT 264.64 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.42 358.10 Td (Interagency ) Tj ET Q q 0 0 0 rg BT 326.84 358.10 Td (Appraisal ) Tj ET Q q 0 0 0 rg BT 367.28 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.29 358.10 Td (Evaluation ) Tj ET Q q 0 0 0 rg BT 428.18 358.10 Td (Guidelines, ) Tj ET Q q 0 0 0 rg BT 475.57 358.10 Td (most ) Tj ET Q q 0 0 0 rg BT 496.59 358.10 Td (recently ) Tj ET Q q 0 0 0 rg BT 530.36 358.10 Td (updated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.41 346.10 Td (December2010. ) Tj ET Q q 0 0 0 rg BT 128.54 346.10 Td (As ) Tj ET Q q 0 0 0 rg BT 142.29 346.10 Td (part ) Tj ET Q q 0 0 0 rg BT 160.46 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.43 346.10 Td (our ) Tj ET Q q 0 0 0 rg BT 187.39 346.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 236.11 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 256.52 346.10 Td (these ) Tj ET Q q 0 0 0 rg BT 279.69 346.10 Td (guidelines, ) Tj ET Q q 0 0 0 rg BT 325.93 346.10 Td (we ) Tj ET Q q 0 0 0 rg BT 340.22 346.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 377.84 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 389.91 346.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 422.50 346.10 Td (Appraisal ) Tj ET Q q 0 0 0 rg BT 464.01 346.10 Td (Review ) Tj ET Q q 0 0 0 rg BT 497.19 346.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 547.02 346.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 84.71 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 101.65 334.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 135.24 334.10 Td (all ) Tj ET Q q 0 0 0 rg BT 147.74 334.10 Td (third ) Tj ET Q q 0 0 0 rg BT 169.13 334.10 Td (party ) Tj ET Q q 0 0 0 rg BT 192.17 334.10 Td (appraisals.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (In ) Tj ET Q q 0 0 0 rg BT 59.77 310.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 96.47 310.10 Td (each ) Tj ET Q q 0 0 0 rg BT 116.23 310.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 153.20 310.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 201.84 310.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 220.49 310.10 Td (with ) Tj ET Q q 0 0 0 rg BT 239.70 310.10 Td (real ) Tj ET Q q 0 0 0 rg BT 256.12 310.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 280.32 310.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 318.96 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 327.06 310.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 365.14 310.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 402.67 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 414.11 310.10 Td (our ) Tj ET Q q 0 0 0 rg BT 428.87 310.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 466.40 310.10 Td (department ) Tj ET Q q 0 0 0 rg BT 512.82 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 522.03 310.10 Td (determine ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.61 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.43 298.10 Td (most ) Tj ET Q q 0 0 0 rg BT 104.49 298.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 131.53 298.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 171.35 298.10 Td (remains ) Tj ET Q q 0 0 0 rg BT 205.62 298.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 253.76 298.10 Td (during ) Tj ET Q q 0 0 0 rg BT 282.48 298.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 329.53 298.10 Td (quarters ) Tj ET Q q 0 0 0 rg BT 364.35 298.10 Td (until ) Tj ET Q q 0 0 0 rg BT 385.30 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.13 298.10 Td (next ) Tj ET Q q 0 0 0 rg BT 419.95 298.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 458.66 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 467.94 298.10 Td (received. ) Tj ET Q q 0 0 0 rg BT 509.41 298.10 Td (If ) Tj ET Q q 0 0 0 rg BT 518.68 298.10 Td (considered ) 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 91.37 286.10 Td (by ) Tj ET Q q 0 0 0 rg BT 103.87 286.10 Td (our ) Tj ET Q q 0 0 0 rg BT 119.70 286.10 Td (appraisal ) Tj ET Q q 0 0 0 rg BT 158.29 286.10 Td (department, ) Tj ET Q q 0 0 0 rg BT 208.27 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 222.99 286.10 Td (appraised ) Tj ET Q q 0 0 0 rg BT 263.80 286.10 Td (value ) Tj ET Q q 0 0 0 rg BT 287.96 286.10 Td (may ) Tj ET Q q 0 0 0 rg BT 307.68 286.10 Td (be ) Tj ET Q q 0 0 0 rg BT 319.61 286.10 Td (further ) Tj ET Q q 0 0 0 rg BT 349.32 286.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 395.15 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.42 286.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 433.46 286.10 Td (current ) Tj ET Q q 0 0 0 rg BT 464.27 286.10 Td (values. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.79 262.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 116.02 262.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 161.81 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 177.04 262.10 Td (also ) Tj ET Q q 0 0 0 rg BT 196.17 262.10 Td (used ) Tj ET Q q 0 0 0 rg BT 217.52 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 228.32 262.10 Td (value ) Tj ET Q q 0 0 0 rg BT 253.00 262.10 Td (non-real ) Tj ET Q q 0 0 0 rg BT 289.33 262.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 315.12 262.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 346.47 262.10 Td (Discounts ) Tj ET Q q 0 0 0 rg BT 389.49 262.10 Td (may ) Tj ET Q q 0 0 0 rg BT 409.73 262.10 Td (be ) Tj ET Q q 0 0 0 rg BT 422.19 262.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 454.64 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 465.44 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.68 262.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 529.80 262.10 Td (analysis ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (used ) Tj ET Q q 0 0 0 rg BT 70.01 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 83.35 250.10 Td (general ) Tj ET Q q 0 0 0 rg BT 114.45 250.10 Td (business ) Tj ET Q q 0 0 0 rg BT 150.02 250.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 175.03 250.10 Td (\("GBA"\). ) Tj ET Q q 0 0 0 rg BT 217.65 250.10 Td (Examples ) Tj ET Q q 0 0 0 rg BT 258.76 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 268.77 250.10 Td (GBA) Tj ET Q q 0 0 0 rg BT 289.34 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.02 250.10 Td (include ) Tj ET Q q 0 0 0 rg BT 322.13 250.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 358.79 250.10 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 404.05 250.10 Td (inventory) Tj ET Q q 0 0 0 rg BT 441.73 250.10 Td (, ) Tj ET Q q 0 0 0 rg BT 445.91 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.03 250.10 Td (any ) Tj ET Q q 0 0 0 rg BT 478.14 250.10 Td (marketable ) Tj ET Q q 0 0 0 rg BT 524.24 250.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (pledged. ) Tj ET Q q 0 0 0 rg BT 86.39 238.10 Td (The ) Tj ET Q q 0 0 0 rg BT 104.35 238.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 140.64 238.10 Td (is ) Tj ET Q q 0 0 0 rg BT 149.72 238.10 Td (used ) Tj ET Q q 0 0 0 rg BT 170.46 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.65 238.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 208.59 238.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 250.42 238.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 267.83 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 278.02 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.64 238.10 Td (event ) Tj ET Q q 0 0 0 rg BT 316.71 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.45 238.10 Td (default ) Tj ET Q q 0 0 0 rg BT 357.62 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 375.02 238.10 Td (may ) Tj ET Q q 0 0 0 rg BT 394.65 238.10 Td (not ) Tj ET Q q 0 0 0 rg BT 409.84 238.10 Td (have ) Tj ET Q q 0 0 0 rg BT 431.12 238.10 Td (been ) Tj ET Q q 0 0 0 rg BT 452.41 238.10 Td (included ) Tj ET Q q 0 0 0 rg BT 489.25 238.10 Td (in ) Tj ET Q q 0 0 0 rg BT 499.44 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.06 238.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 553.68 238.10 Td (of ) 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 64.72 226.10 Td (asset.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.17 202.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 125.78 202.10 Td (Reserves ) Tj ET Q q 0 0 0 rg BT 163.94 202.10 Td (- ) Tj ET Q q 0 0 0 rg BT 169.33 202.10 Td (Pools ) Tj ET Q q 0 0 0 rg BT 193.63 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.02 202.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 261.63 202.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 284.80 202.10 Td (with ) Tj ET Q q 0 0 0 rg BT 304.64 202.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 334.48 202.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 351.54 202.10 Td (and ) Tj ET Q q 0 0 0 rg BT 368.04 202.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 385.67 202.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 444.92 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.19 202.10 Td (also ) Tj ET Q q 0 0 0 rg BT 477.36 202.10 Td (assessed ) Tj ET Q q 0 0 0 rg BT 513.30 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 527.03 202.10 Td (probable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 80.82 190.10 Td (These ) Tj ET Q q 0 0 0 rg BT 106.77 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 126.07 190.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 149.82 190.10 Td (include ) Tj ET Q q 0 0 0 rg BT 181.33 190.10 Td (consumer) Tj ET Q q 0 0 0 rg BT 219.80 190.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.38 190.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 268.11 190.10 Td (real ) Tj ET Q q 0 0 0 rg BT 285.17 190.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 312.51 190.10 Td (home ) Tj ET Q q 0 0 0 rg BT 336.81 190.10 Td (equity) Tj ET Q q 0 0 0 rg BT 361.15 190.10 Td (, ) Tj ET Q q 0 0 0 rg BT 365.73 190.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 390.57 190.10 Td (cards ) Tj ET Q q 0 0 0 rg BT 413.75 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 430.27 190.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 462.88 190.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 493.83 190.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 522.02 190.10 Td (Migration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (probabilities ) Tj ET Q q 0 0 0 rg BT 102.48 178.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 139.41 178.10 Td (from ) Tj ET Q q 0 0 0 rg BT 161.34 178.10 Td (past ) Tj ET Q q 0 0 0 rg BT 179.95 178.10 Td (due ) Tj ET Q q 0 0 0 rg BT 196.88 178.10 Td (roll ) Tj ET Q q 0 0 0 rg BT 213.26 178.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 230.74 178.10 Td (analyses ) Tj ET Q q 0 0 0 rg BT 267.11 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.04 178.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 323.75 178.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 341.81 178.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 363.18 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.88 178.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 409.81 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 420.08 178.10 Td (current ) Tj ET Q q 0 0 0 rg BT 450.89 178.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 487.81 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 498.08 178.10 Td (forecast ) Tj ET Q q 0 0 0 rg BT 532.22 178.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.24 178.10 Td (ge-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (of) Tj ET Q q 0 0 0 rg BT 58.15 166.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 67.87 166.10 Td (over ) Tj ET Q q 0 0 0 rg BT 88.14 166.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.08 166.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.52 166.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 132.55 166.10 Td (time ) Tj ET Q q 0 0 0 rg BT 152.83 166.10 Td (horizon.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 137.10 Td (W) Tj ET Q q 0 0 0 rg BT 58.64 137.10 Td (e ) Tj ET Q q 0 0 0 rg BT 65.83 137.10 Td (consistently ) Tj ET Q q 0 0 0 rg BT 116.36 137.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 141.34 137.10 Td (our ) Tj ET Q q 0 0 0 rg BT 157.42 137.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 212.95 137.10 Td (for ) Tj ET Q q 0 0 0 rg BT 227.37 137.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 278.44 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.42 137.10 Td (appropriateness ) Tj ET Q q 0 0 0 rg BT 358.93 137.10 Td (of ) Tj ET Q q 0 0 0 rg BT 370.01 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.99 137.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 428.28 137.10 Td (for ) Tj ET Q q 0 0 0 rg BT 442.69 137.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 462.67 137.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.86 137.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 502.60 137.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 529.25 137.10 Td (but ) Tj ET Q q 0 0 0 rg BT 544.79 137.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 125.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 76.12 125.10 Td (our ) Tj ET Q q 0 0 0 rg BT 91.68 125.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 152.79 125.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.46 125.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 221.14 125.10 Td (based ) Tj ET Q q 0 0 0 rg BT 246.14 125.10 Td (on ) Tj ET Q q 0 0 0 rg BT 258.37 125.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 297.82 125.10 Td (information ) Tj ET Q q 0 0 0 rg BT 347.26 125.10 Td (related ) Tj ET Q q 0 0 0 rg BT 376.69 125.10 Td (to ) Tj ET Q q 0 0 0 rg BT 386.70 125.10 Td (char) Tj ET Q q 0 0 0 rg BT 403.73 125.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 424.65 125.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 434.10 125.10 Td (and ) Tj ET Q q 0 0 0 rg BT 450.77 125.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 509.79 125.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 553.67 125.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.02 113.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 83.04 113.10 Td (portfolio. ) Tj ET Q q 0 0 0 rg BT 122.34 113.10 Td (In ) Tj ET Q q 0 0 0 rg BT 132.47 113.10 Td (this ) Tj ET Q q 0 0 0 rg BT 148.72 113.10 Td (regard, ) Tj ET Q q 0 0 0 rg BT 178.56 113.10 Td (we ) Tj ET Q q 0 0 0 rg BT 192.03 113.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 241.59 113.10 Td (review ) Tj ET Q q 0 0 0 rg BT 270.60 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.62 113.10 Td (following ) Tj ET Q q 0 0 0 rg BT 325.31 113.10 Td (to ) Tj ET Q q 0 0 0 rg BT 334.89 113.10 Td (validate ) Tj ET Q q 0 0 0 rg BT 368.34 113.10 Td (our ) Tj ET Q q 0 0 0 rg BT 383.48 113.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 425.81 113.10 Td (for ) Tj ET Q q 0 0 0 rg BT 439.28 113.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 458.30 113.10 Td (and ) Tj ET Q q 0 0 0 rg BT 474.54 113.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 496.33 113.10 Td (losses: ) Tj ET Q q 0 0 0 rg BT 524.80 113.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 101.10 Td (net ) Tj ET Q q 0 0 0 rg BT 64.93 101.10 Td (char) Tj ET Q q 0 0 0 rg BT 81.96 101.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 102.88 101.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 112.82 101.10 Td (as ) Tj ET Q q 0 0 0 rg BT 123.86 101.10 Td (they ) Tj ET Q q 0 0 0 rg BT 143.80 101.10 Td (relate ) Tj ET Q q 0 0 0 rg BT 168.72 101.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.21 101.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 201.37 101.10 Td (periods' ) Tj ET Q q 0 0 0 rg BT 235.33 101.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 278.58 101.10 Td (for ) Tj ET Q q 0 0 0 rg BT 292.95 101.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 312.89 101.10 Td (and ) Tj ET Q q 0 0 0 rg BT 330.04 101.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 352.75 101.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 373.53 101.10 Td (comparison ) Tj ET Q q 0 0 0 rg BT 422.90 101.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.95 101.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 473.87 101.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 493.81 101.10 Td (migration ) Tj ET Q q 0 0 0 rg BT 535.41 101.10 Td (in ) Tj ET Q q 0 0 0 rg BT 545.90 101.10 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 89.10 Td (years ) Tj ET Q q 0 0 0 rg BT 72.93 89.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 114.19 89.10 Td (to ) Tj ET Q q 0 0 0 rg BT 123.80 89.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.85 89.10 Td (current ) Tj ET Q q 0 0 0 rg BT 168.00 89.10 Td (year) Tj ET Q q 0 0 0 rg BT 184.81 89.10 Td (, ) Tj ET Q q 0 0 0 rg BT 189.14 89.10 Td (overall ) Tj ET Q q 0 0 0 rg BT 218.74 89.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 243.33 89.10 Td (trends ) Tj ET Q q 0 0 0 rg BT 269.61 89.10 Td (and ) Tj ET Q q 0 0 0 rg BT 285.88 89.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 309.93 89.10 Td (and ) Tj ET Q q 0 0 0 rg BT 326.20 89.10 Td (any ) Tj ET Q q 0 0 0 rg BT 342.47 89.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 386.52 89.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 420.56 89.10 Td (in ) Tj ET Q q 0 0 0 rg BT 430.17 89.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 449.22 89.10 Td (concentrations. ) Tj ET Q q 0 0 0 rg BT 511.87 89.10 Td (In ) Tj ET Q q 0 0 0 rg BT 522.03 89.10 Td (reviewing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 77.10 Td (this ) Tj ET Q q 0 0 0 rg BT 67.14 77.10 Td (data, ) Tj ET Q q 0 0 0 rg BT 88.99 77.10 Td (we ) Tj ET Q q 0 0 0 rg BT 103.35 77.10 Td (adjust ) Tj ET Q q 0 0 0 rg BT 129.93 77.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 174.83 77.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 204.73 77.10 Td (within ) Tj ET Q q 0 0 0 rg BT 232.98 77.10 Td (our ) Tj ET Q q 0 0 0 rg BT 249.01 77.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 292.23 77.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 347.70 77.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.17 77.10 Td (appropriately ) Tj ET Q q 0 0 0 rg BT 414.18 77.10 Td (reflect ) Tj ET Q q 0 0 0 rg BT 442.40 77.10 Td (any ) Tj ET Q q 0 0 0 rg BT 459.54 77.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 494.44 77.10 Td (warranted ) Tj ET Q q 0 0 0 rg BT 537.11 77.10 Td (by ) Tj ET Q q 0 0 0 rg BT 549.80 77.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.10 Td (validation ) Tj ET Q q 0 0 0 rg BT 92.49 65.10 Td (process.) Tj ET Q endstream endobj 165 0 obj <> endobj 166 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (82) 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 50 740.7669921875 m 113.69384765625 740.7669921875 l s q 0 0 0 rg BT 50.00 742.10 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 89.81 742.10 Td (loans:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.69 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.29 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.89 742.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 162.59 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 186.30 742.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 223.33 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 233.70 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 240.74 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 277.23 742.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 329.82 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 344.63 742.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 382.21 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 392.02 742.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 432.94 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 449.42 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 473.68 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 486.28 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 507.20 742.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 545.34 742.10 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (without ) Tj ET Q q 0 0 0 rg BT 83.05 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 89.99 730.10 Td (carryover ) Tj ET Q q 0 0 0 rg BT 130.79 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 141.61 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.32 730.10 Td (related ) Tj ET Q q 0 0 0 rg BT 186.02 730.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 229.05 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 243.20 730.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 262.92 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 279.85 730.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 302.33 730.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 331.04 730.10 Td (These ) Tj ET Q q 0 0 0 rg BT 357.41 730.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 394.33 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 417.93 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 432.63 730.10 Td (segregated ) Tj ET Q q 0 0 0 rg BT 477.88 730.10 Td (into ) Tj ET Q q 0 0 0 rg BT 495.93 730.10 Td (three ) Tj ET Q q 0 0 0 rg BT 518.41 730.10 Td (types: ) Tj ET Q q 0 0 0 rg BT 544.80 730.10 Td (pass ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 72.36 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 95.84 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 116.00 718.10 Td (no ) Tj ET Q q 0 0 0 rg BT 128.37 718.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 164.64 718.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 212.55 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 222.70 718.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 247.84 718.10 Td (quality) Tj ET Q q 0 0 0 rg BT 274.97 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 279.84 718.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 336.09 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 359.57 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 379.73 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 386.54 718.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 422.80 718.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 470.72 718.10 Td (at ) Tj ET Q q 0 0 0 rg BT 480.31 718.10 Td (least ) Tj ET Q q 0 0 0 rg BT 501.01 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 511.16 718.10 Td (part ) Tj ET Q q 0 0 0 rg BT 529.08 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 539.24 718.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 80.27 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 97.21 706.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 135.25 706.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 158.86 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 179.14 706.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 217.17 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 228.00 706.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 272.71 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 297.98 706.10 Td (deterioration. ) Tj ET Q q 0 0 0 rg BT 354.07 706.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 682.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 682.10 Td (Pass ) Tj ET Q q 0 0 0 rg BT 106.57 682.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 129.34 682.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 153.23 682.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 194.34 682.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 242.11 682.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 269.33 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 284.33 682.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 327.65 682.10 Td (for ) Tj ET Q q 0 0 0 rg BT 342.09 682.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.66 682.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 400.40 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 420.35 682.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 469.79 682.10 Td (Standards ) Tj ET Q q 0 0 0 rg BT 512.02 682.10 Td (Codification ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 670.10 Td (\("ASC"\) ) Tj ET Q q 0 0 0 rg BT 122.22 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 127.63 670.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 146.95 670.10 Td (310-20 ) Tj ET Q q 0 0 0 rg BT 177.37 670.10 Td ("Nonrefundable ) Tj ET Q q 0 0 0 rg BT 243.53 670.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 263.96 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.49 670.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 305.36 670.10 Td (Costs" ) Tj ET Q q 0 0 0 rg BT 333.77 670.10 Td (as ) Tj ET Q q 0 0 0 rg BT 344.20 670.10 Td (these ) Tj ET Q q 0 0 0 rg BT 366.84 670.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 390.05 670.10 Td (do ) Tj ET Q q 0 0 0 rg BT 402.14 670.10 Td (not ) Tj ET Q q 0 0 0 rg BT 417.02 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 437.99 670.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 475.62 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 486.05 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 510.91 670.10 Td (deterioration ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 658.10 Td (since ) Tj ET Q q 0 0 0 rg BT 109.05 658.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 646.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td (Non-impaired ) Tj ET Q q 0 0 0 rg BT 144.86 646.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 168.74 646.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 209.83 646.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 257.59 646.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 308.13 646.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 335.33 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 350.31 646.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 393.61 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 408.04 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.59 646.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 466.32 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.26 646.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 508.28 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 513.69 646.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 533.68 646.10 Td (310-30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 634.10 Td (if ) Tj ET Q q 0 0 0 rg BT 94.61 634.10 Td (they ) Tj ET Q q 0 0 0 rg BT 114.33 634.10 Td (display ) Tj ET Q q 0 0 0 rg BT 145.71 634.10 Td (at ) Tj ET Q q 0 0 0 rg BT 155.43 634.10 Td (least ) Tj ET Q q 0 0 0 rg BT 176.25 634.10 Td (some ) Tj ET Q q 0 0 0 rg BT 199.86 634.10 Td (level ) Tj ET Q q 0 0 0 rg BT 221.80 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.63 634.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.89 634.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 311.48 634.10 Td (since ) Tj ET Q q 0 0 0 rg BT 334.53 634.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 622.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 125.58 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 150.18 622.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 191.99 622.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 243.25 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.84 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.33 622.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 332.01 622.10 Td (status\) ) Tj ET Q q 0 0 0 rg BT 361.61 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.31 622.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 421.33 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 436.48 622.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.74 622.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 496.19 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 516.69 622.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 539.38 622.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.79 622.10 Td (opic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 610.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 116.83 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.66 610.10 Td (they ) Tj ET Q q 0 0 0 rg BT 147.38 610.10 Td (display ) Tj ET Q q 0 0 0 rg BT 178.76 610.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 223.48 610.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.74 610.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 302.33 610.10 Td (since ) Tj ET Q q 0 0 0 rg BT 325.38 610.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (For ) Tj ET Q q 0 0 0 rg BT 65.81 586.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 84.96 586.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 106.86 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 129.89 586.10 Td (\(non-purchased ) Tj ET Q q 0 0 0 rg BT 194.01 586.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 257.57 586.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 286.43 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.57 586.10 Td (dif) Tj ET Q q 0 0 0 rg BT 311.49 586.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 342.83 586.10 Td (between ) Tj ET Q q 0 0 0 rg BT 378.07 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.20 586.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 432.45 586.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 448.24 586.10 Td (value ) Tj ET Q q 0 0 0 rg BT 471.82 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 482.07 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.21 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 519.24 586.10 Td (\(computed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (on ) Tj ET Q q 0 0 0 rg BT 62.54 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 69.53 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 89.29 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 101.83 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 121.59 574.10 Td (basis\) ) Tj ET Q q 0 0 0 rg BT 147.47 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 164.45 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 179.21 574.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 217.29 574.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 266.50 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 275.72 574.10 Td (accreted ) Tj ET Q q 0 0 0 rg BT 311.56 574.10 Td (over ) Tj ET Q q 0 0 0 rg BT 331.88 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.64 574.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 389.72 574.10 Td (life ) Tj ET Q q 0 0 0 rg BT 405.59 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.46 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.23 574.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 457.38 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 459.74 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 477.83 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 519.26 574.10 Td (anticipates ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (recording ) Tj ET Q q 0 0 0 rg BT 90.25 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 96.63 562.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 136.34 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 149.94 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.10 562.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 200.46 562.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 237.39 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 247.11 562.10 Td (future ) Tj ET Q q 0 0 0 rg BT 272.92 562.10 Td (quarters ) Tj ET Q q 0 0 0 rg BT 307.07 562.10 Td (related ) Tj ET Q q 0 0 0 rg BT 336.21 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.92 562.10 Td (renewing ) Tj ET Q q 0 0 0 rg BT 385.07 562.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 421.43 562.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 444.47 562.10 Td (which ) Tj ET Q q 0 0 0 rg BT 470.85 562.10 Td (will ) Tj ET Q q 0 0 0 rg BT 488.34 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 496.49 562.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 512.87 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 519.24 562.10 Td (substantial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 81.39 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 92.22 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.93 550.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 146.07 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 168.01 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.73 550.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 202.45 550.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 224.94 550.10 Td (loans.) 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 60.26 526.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 107.15 526.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.43 526.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 147.67 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 153.08 526.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 172.23 526.10 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 204.99 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 218.58 526.10 Td (both ) Tj ET Q q 0 0 0 rg BT 238.28 526.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 280.75 526.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 336.55 526.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 359.59 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 375.95 526.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 418.42 526.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 481.98 526.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 507.52 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.67 526.10 Td (dif) Tj ET Q q 0 0 0 rg BT 532.59 526.10 Td (ference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (between ) Tj ET Q q 0 0 0 rg BT 86.65 514.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 142.18 514.10 Td (required ) Tj ET Q q 0 0 0 rg BT 178.83 514.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 220.48 514.10 Td (at ) Tj ET Q q 0 0 0 rg BT 231.03 514.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 278.25 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 296.02 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.57 514.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 332.67 514.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 358.22 514.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 397.09 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 408.20 514.10 Td (be ) Tj ET Q q 0 0 0 rg BT 420.97 514.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 460.39 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 470.39 514.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 505.36 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.47 514.10 Td (as ) Tj ET Q q 0 0 0 rg BT 528.13 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.68 514.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 93.08 502.10 Td (dif) Tj ET Q q 0 0 0 rg BT 104.00 502.10 Td (ference. ) Tj ET Q q 0 0 0 rg BT 138.47 502.10 Td (Further) Tj ET Q q 0 0 0 rg BT 167.51 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 172.57 502.10 Td (any ) Tj ET Q q 0 0 0 rg BT 189.57 502.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 218.22 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.11 502.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 249.44 502.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 274.22 502.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 312.31 502.10 Td (at ) Tj ET Q q 0 0 0 rg BT 322.08 502.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 368.52 502.10 Td (over ) Tj ET Q q 0 0 0 rg BT 388.85 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.62 502.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 444.50 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 460.93 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 485.15 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 494.37 502.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 528.57 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 538.90 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 549.79 502.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 92.96 490.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 115.40 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.28 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 141.40 490.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 187.70 490.10 Td (into ) Tj ET Q q 0 0 0 rg BT 205.70 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 237.58 490.10 Td (income ) Tj ET Q q 0 0 0 rg BT 269.46 490.10 Td (over ) Tj ET Q q 0 0 0 rg BT 289.67 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.33 490.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 347.32 490.10 Td (life ) Tj ET Q q 0 0 0 rg BT 363.09 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 373.86 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.52 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 408.18 490.10 Td (when ) Tj ET Q q 0 0 0 rg BT 432.29 490.10 Td (there ) Tj ET Q q 0 0 0 rg BT 454.71 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 463.83 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 470.71 490.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 515.91 490.10 Td (expectation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (about ) Tj ET Q q 0 0 0 rg BT 74.72 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.43 478.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 121.93 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.87 478.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 167.48 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.31 478.10 Td (such ) Tj ET Q q 0 0 0 rg BT 199.14 478.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 219.41 478.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Substantially ) Tj ET Q q 0 0 0 rg BT 105.02 454.10 Td (all ) Tj ET Q q 0 0 0 rg BT 117.82 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.95 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.97 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.88 454.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 205.11 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.69 454.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 266.25 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 286.83 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.85 454.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 327.44 454.10 Td (displayed ) Tj ET Q q 0 0 0 rg BT 368.56 454.10 Td (at ) Tj ET Q q 0 0 0 rg BT 378.58 454.10 Td (least ) Tj ET Q q 0 0 0 rg BT 399.71 454.10 Td (some ) Tj ET Q q 0 0 0 rg BT 423.62 454.10 Td (level ) Tj ET Q q 0 0 0 rg BT 445.85 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.99 454.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 482.55 454.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 536.44 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 553.68 454.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 85.54 442.10 Td (included ) Tj ET Q q 0 0 0 rg BT 122.47 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 133.30 442.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 189.67 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.61 442.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 244.65 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 268.26 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.09 442.10 Td (described ) Tj ET Q q 0 0 0 rg BT 319.91 442.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 372.39 442.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td () 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 50 416.7669921875 m 125.32373046875 416.7669921875 l s q 0 0 0 rg BT 50.00 418.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 74.77 418.10 Td (investments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 125.32 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 126.67 418.10 Td (The ) Tj ET Q q 0 0 0 rg BT 143.68 418.10 Td (Company) Tj ET Q q 0 0 0 rg BT 185.34 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 190.69 418.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 236.03 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 245.26 418.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 284.48 418.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 309.82 418.10 Td (is ) Tj ET Q q 0 0 0 rg BT 317.94 418.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 352.72 418.10 Td (as ) Tj ET Q q 0 0 0 rg BT 362.50 418.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 383.95 418.10 Td (investments, ) Tj ET Q q 0 0 0 rg BT 435.68 418.10 Td (net. ) Tj ET Q q 0 0 0 rg BT 454.35 418.10 Td (Rental ) Tj ET Q q 0 0 0 rg BT 481.91 418.10 Td (income ) Tj ET Q q 0 0 0 rg BT 512.80 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 524.26 418.10 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 76.56 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 85.91 406.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 132.46 406.10 Td (as ) Tj ET Q q 0 0 0 rg BT 143.47 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 175.59 406.10 Td (over ) Tj ET Q q 0 0 0 rg BT 196.04 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.94 406.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 233.61 406.10 Td (term ) Tj ET Q q 0 0 0 rg BT 254.62 406.10 Td (according ) Tj ET Q q 0 0 0 rg BT 296.72 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 307.19 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.08 406.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 366.44 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.45 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.35 406.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 417.52 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 444.64 406.10 Td (is ) Tj ET Q q 0 0 0 rg BT 453.99 406.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 493.88 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 506.56 406.10 Td (a ) Tj ET Q q 0 0 0 rg BT 513.68 406.10 Td (straight-line ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 77.12 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 94.96 394.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 141.13 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 151.20 394.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 195.70 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.77 394.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 245.82 394.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 271.98 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 280.94 394.10 Td (stated ) Tj ET Q q 0 0 0 rg BT 306.56 394.10 Td (at ) Tj ET Q q 0 0 0 rg BT 316.06 394.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 334.46 394.10 Td (less ) Tj ET Q q 0 0 0 rg BT 351.75 394.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 403.46 394.10 Td (using ) Tj ET Q q 0 0 0 rg BT 427.42 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.92 394.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 492.53 394.10 Td (method ) Tj ET Q q 0 0 0 rg BT 524.82 394.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (over ) Tj ET Q q 0 0 0 rg BT 70.27 382.10 Td (a ) Tj ET Q q 0 0 0 rg BT 77.21 382.10 Td (life ) Tj ET Q q 0 0 0 rg BT 93.03 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.86 382.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.41 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 121.91 382.10 Td (years ) Tj ET Q q 0 0 0 rg BT 145.51 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 156.34 382.10 Td (less.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td () 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 50 356.7669921875 m 148.71875 356.7669921875 l s q 0 0 0 rg BT 50.00 358.10 Td (Premises ) Tj ET Q q 0 0 0 rg BT 87.70 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 103.73 358.10 Td (equipment:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.72 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.31 358.10 Td (Premises ) Tj ET Q q 0 0 0 rg BT 188.01 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 204.04 358.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 247.84 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 261.64 358.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 290.98 358.10 Td (at ) Tj ET Q q 0 0 0 rg BT 299.79 358.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 317.49 358.10 Td (less ) Tj ET Q q 0 0 0 rg BT 334.08 358.10 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 386.20 358.10 Td (depreciation ) Tj ET Q q 0 0 0 rg BT 437.21 358.10 Td (and ) Tj ET Q q 0 0 0 rg BT 453.24 358.10 Td (amortization. ) Tj ET Q q 0 0 0 rg BT 510.37 358.10 Td (Depreciation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.28 346.10 Td (amortization ) Tj ET Q q 0 0 0 rg BT 118.65 346.10 Td (is ) Tj ET Q q 0 0 0 rg BT 127.16 346.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 168.43 346.10 Td (by ) Tj ET Q q 0 0 0 rg BT 180.27 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.33 346.10 Td (straight-line ) Tj ET Q q 0 0 0 rg BT 244.48 346.10 Td (method ) Tj ET Q q 0 0 0 rg BT 276.32 346.10 Td (over ) Tj ET Q q 0 0 0 rg BT 295.93 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 309.98 346.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 350.14 346.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 376.42 346.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 397.14 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.31 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.36 346.10 Td (assets. ) Tj ET Q q 0 0 0 rg BT 451.53 346.10 Td (Useful ) Tj ET Q q 0 0 0 rg BT 480.03 346.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 500.76 346.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 539.80 346.10 Td (range ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.66 334.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.64 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.87 334.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.86 334.10 Td (seven) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.63 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.85 334.10 Td (years ) Tj ET Q q 0 0 0 rg BT 152.17 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 166.05 334.10 Td (computer ) Tj ET Q q 0 0 0 rg BT 206.04 334.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 250.47 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 267.13 334.10 Td (software, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.28 334.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.83 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 324.05 334.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.05 334.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.05 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 346.27 334.10 Td (years ) Tj ET Q q 0 0 0 rg BT 369.59 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 383.47 334.10 Td (furniture ) Tj ET Q q 0 0 0 rg BT 420.67 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 437.33 334.10 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 484.26 334.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.92 334.10 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.47 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 518.69 334.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.69 334.10 Td (39) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.69 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 540.91 334.10 Td (years ) 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 63.22 322.10 Td (buildings ) Tj ET Q q 0 0 0 rg BT 102.01 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 118.02 322.10 Td (building ) Tj ET Q q 0 0 0 rg BT 152.92 322.10 Td (improvements. ) Tj ET Q q 0 0 0 rg BT 216.69 322.10 Td (Land ) Tj ET Q q 0 0 0 rg BT 238.80 322.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 297.58 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 311.35 322.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 352.89 322.10 Td (over ) Tj ET Q q 0 0 0 rg BT 372.23 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 378.23 322.10 Td (period ) Tj ET Q q 0 0 0 rg BT 405.34 322.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.23 322.10 Td (15) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.23 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 426.80 322.10 Td (years ) Tj ET Q q 0 0 0 rg BT 449.46 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.46 322.10 Td (leasehold ) Tj ET Q q 0 0 0 rg BT 504.79 322.10 Td (improvements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 64.76 310.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 107.29 310.10 Td (over ) Tj ET Q q 0 0 0 rg BT 127.61 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.38 310.10 Td (term ) Tj ET Q q 0 0 0 rg BT 163.25 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 174.14 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.90 310.10 Td (related ) Tj ET Q q 0 0 0 rg BT 218.66 310.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 241.19 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 252.08 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.84 310.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 307.71 310.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 334.70 310.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 356.14 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 367.02 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.79 310.10 Td (improvements, ) Tj ET Q q 0 0 0 rg BT 444.06 310.10 Td (whichever ) Tj ET Q q 0 0 0 rg BT 488.25 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 497.47 310.10 Td (shorter) Tj ET Q q 0 0 0 rg BT 524.69 310.10 Td (. ) Tj ET Q q 0 0 0 rg BT 532.24 310.10 Td (Land ) Tj ET Q q 0 0 0 rg BT 555.34 310.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 64.50 298.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 94.56 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.06 298.10 Td (depreciation. ) Tj ET Q q 0 0 0 rg BT 160.21 298.10 Td (Maintenance ) Tj ET Q q 0 0 0 rg BT 213.57 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 229.74 298.10 Td (repairs ) Tj ET Q q 0 0 0 rg BT 258.67 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 272.60 298.10 Td (char) Tj ET Q q 0 0 0 rg BT 289.63 298.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 305.79 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 315.30 298.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 349.23 298.10 Td (as ) Tj ET Q q 0 0 0 rg BT 359.29 298.10 Td (incurred, ) Tj ET Q q 0 0 0 rg BT 396.83 298.10 Td (while ) Tj ET Q q 0 0 0 rg BT 420.77 298.10 Td (major ) Tj ET Q q 0 0 0 rg BT 445.82 298.10 Td (improvements ) Tj ET Q q 0 0 0 rg BT 504.76 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.69 298.10 Td (capitalized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.54 286.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 110.62 286.10 Td (to ) Tj ET Q q 0 0 0 rg BT 121.50 286.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 162.36 286.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 197.67 286.10 Td (over ) Tj ET Q q 0 0 0 rg BT 218.54 286.10 Td (their ) Tj ET Q q 0 0 0 rg BT 239.97 286.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 281.39 286.10 Td (useful ) Tj ET Q q 0 0 0 rg BT 308.93 286.10 Td (lives. ) Tj ET Q q 0 0 0 rg BT 335.91 286.10 Td (Premises ) Tj ET Q q 0 0 0 rg BT 375.12 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 392.66 286.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 437.97 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 455.51 286.10 Td (other ) Tj ET Q q 0 0 0 rg BT 479.16 286.10 Td (long-lived ) Tj ET Q q 0 0 0 rg BT 523.36 286.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 549.79 286.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (tested ) Tj ET Q q 0 0 0 rg BT 74.61 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 87.56 274.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 134.94 274.10 Td (whenever ) Tj ET Q q 0 0 0 rg BT 175.09 274.10 Td (events ) Tj ET Q q 0 0 0 rg BT 201.93 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 211.54 274.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 245.03 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.10 274.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 312.02 274.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 344.96 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.46 274.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 393.06 274.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 424.35 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.96 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.46 274.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 472.08 274.10 Td (may ) Tj ET Q q 0 0 0 rg BT 490.58 274.10 Td (not ) Tj ET Q q 0 0 0 rg BT 504.65 274.10 Td (be ) Tj ET Q q 0 0 0 rg BT 515.37 274.10 Td (recoverable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (from ) Tj ET Q q 0 0 0 rg BT 73.11 262.10 Td (future ) Tj ET Q q 0 0 0 rg BT 100.65 262.10 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 157.65 262.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 179.08 262.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 209.97 262.10 Td (If ) Tj ET Q q 0 0 0 rg BT 220.30 262.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 262.01 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.90 262.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 304.90 262.10 Td (are ) Tj ET Q q 0 0 0 rg BT 320.77 262.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 359.42 262.10 Td (at ) Tj ET Q q 0 0 0 rg BT 370.30 262.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 387.85 262.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 417.36 262.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 447.14 262.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 485.23 262.10 Td (through ) Tj ET Q q 0 0 0 rg BT 520.01 262.10 Td (a ) Tj ET Q q 0 0 0 rg BT 528.12 262.10 Td (business ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.38 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 111.09 250.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 148.56 250.10 Td (at ) Tj ET Q q 0 0 0 rg BT 158.28 250.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 174.66 250.10 Td (value ) Tj ET Q q 0 0 0 rg BT 198.81 250.10 Td (as ) Tj ET Q q 0 0 0 rg BT 209.64 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.47 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.19 250.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 281.57 250.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td () 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 50 224.76699218750002 m 147.03857421875 224.76699218750002 l s q 0 0 0 rg BT 50.00 226.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.13 226.10 Td (real ) Tj ET Q q 0 0 0 rg BT 92.48 226.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 117.60 226.10 Td (owned:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.04 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.40 226.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 174.53 226.10 Td (real ) Tj ET Q q 0 0 0 rg BT 191.88 226.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 217.00 226.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 246.02 226.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 281.71 226.10 Td (real ) Tj ET Q q 0 0 0 rg BT 299.05 226.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 324.18 226.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 349.87 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 367.22 226.10 Td (have ) Tj ET Q q 0 0 0 rg BT 388.46 226.10 Td (been ) Tj ET Q q 0 0 0 rg BT 409.70 226.10 Td (received ) Tj ET Q q 0 0 0 rg BT 445.92 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 456.06 226.10 Td (satisfaction ) Tj ET Q q 0 0 0 rg BT 503.96 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 514.66 226.10 Td (debt. ) Tj ET Q q 0 0 0 rg BT 539.23 226.10 Td (Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (real ) Tj ET Q q 0 0 0 rg BT 67.92 214.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 93.61 214.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 123.21 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 132.81 214.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 166.85 214.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 204.76 214.10 Td (at ) Tj ET Q q 0 0 0 rg BT 214.90 214.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 231.71 214.10 Td (value ) Tj ET Q q 0 0 0 rg BT 256.30 214.10 Td (less ) Tj ET Q q 0 0 0 rg BT 274.23 214.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 315.49 214.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 345.08 214.10 Td (costs, ) Tj ET Q q 0 0 0 rg BT 370.52 214.10 Td (which ) Tj ET Q q 0 0 0 rg BT 397.89 214.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 444.14 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 459.29 214.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 478.33 214.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 506.26 214.10 Td (Subsequently) Tj ET Q q 0 0 0 rg BT 559.50 214.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (other ) Tj ET Q q 0 0 0 rg BT 72.51 202.10 Td (real ) Tj ET Q q 0 0 0 rg BT 89.46 202.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 114.18 202.10 Td (owned ) Tj ET Q q 0 0 0 rg BT 142.80 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 151.44 202.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 181.15 202.10 Td (at ) Tj ET Q q 0 0 0 rg BT 190.33 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.51 202.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 229.24 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 239.53 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.71 202.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 271.78 202.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 293.74 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 304.03 202.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 319.87 202.10 Td (value ) Tj ET Q q 0 0 0 rg BT 343.49 202.10 Td (less ) Tj ET Q q 0 0 0 rg BT 360.45 202.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 400.73 202.10 Td (selling ) Tj ET Q q 0 0 0 rg BT 429.36 202.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 455.89 202.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 475.07 202.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 514.25 202.10 Td (adjustments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (required ) Tj ET Q q 0 0 0 rg BT 85.31 190.10 Td (at ) Tj ET Q q 0 0 0 rg BT 94.53 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 108.75 190.10 Td (date ) Tj ET Q q 0 0 0 rg BT 127.40 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 137.73 190.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 170.27 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 184.48 190.10 Td (char) Tj ET Q q 0 0 0 rg BT 201.50 190.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 217.94 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.72 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.93 190.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 284.47 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 298.13 190.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 317.34 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 333.78 190.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 355.76 190.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 386.66 190.10 Td (Subsequently) Tj ET Q q 0 0 0 rg BT 439.89 190.10 Td (, ) Tj ET Q q 0 0 0 rg BT 444.39 190.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 488.03 190.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 513.92 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 530.36 190.10 Td (realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 73.61 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 90.55 178.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 116.94 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 129.44 178.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 147.49 178.10 Td (are ) Tj ET Q q 0 0 0 rg BT 162.19 178.10 Td (included ) Tj ET Q q 0 0 0 rg BT 199.13 178.10 Td (in ) Tj ET Q q 0 0 0 rg BT 209.40 178.10 Td (net ) Tj ET Q q 0 0 0 rg BT 224.12 178.10 Td (\(gain\) ) Tj ET Q q 0 0 0 rg BT 250.50 178.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 268.56 178.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 314.92 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 327.42 178.10 Td (other ) Tj ET Q q 0 0 0 rg BT 350.47 178.10 Td (real ) Tj ET Q q 0 0 0 rg BT 367.95 178.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 393.22 178.10 Td (owned. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td () 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 50 152.76699218750002 m 207.06298828125 152.76699218750002 l s q 0 0 0 rg BT 50.00 154.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 72.98 154.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 113.72 154.10 Td (value ) Tj ET Q q 0 0 0 rg BT 138.35 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.66 154.10 Td (life ) Tj ET Q q 0 0 0 rg BT 165.97 154.10 Td (insurance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 207.06 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 209.83 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 228.35 154.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 270.22 154.10 Td (has ) Tj ET Q q 0 0 0 rg BT 286.53 154.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 330.05 154.10 Td (bank-owned ) Tj ET Q q 0 0 0 rg BT 382.46 154.10 Td (life ) Tj ET Q q 0 0 0 rg BT 398.76 154.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 440.06 154.10 Td (policies ) Tj ET Q q 0 0 0 rg BT 474.14 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 487.12 154.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 517.30 154.10 Td (executives. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (Bank-owned ) Tj ET Q q 0 0 0 rg BT 104.28 142.10 Td (life ) Tj ET Q q 0 0 0 rg BT 120.79 142.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 162.29 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 172.15 142.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 210.31 142.10 Td (at ) Tj ET Q q 0 0 0 rg BT 220.71 142.10 Td (its ) Tj ET Q q 0 0 0 rg BT 233.35 142.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 254.30 142.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 295.24 142.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 325.08 142.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 362.71 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.67 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 389.07 142.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 410.03 142.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 450.97 142.10 Td (values ) Tj ET Q q 0 0 0 rg BT 479.70 142.10 Td (are ) Tj ET Q q 0 0 0 rg BT 495.09 142.10 Td (included ) Tj ET Q q 0 0 0 rg BT 532.71 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 543.68 142.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 81.93 130.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td () 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 50 104.76699218750002 m 87.7783203125 104.76699218750002 l s q 0 0 0 rg BT 50.00 106.10 Td (Goodwill) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.78 106.10 Td (: ) Tj ET Q q 0 0 0 rg BT 92.78 106.10 Td (The ) Tj ET Q q 0 0 0 rg BT 110.71 106.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 139.20 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 149.93 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 164.53 106.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 183.03 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.76 106.10 Td (an ) Tj ET Q q 0 0 0 rg BT 205.59 106.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 251.86 106.10 Td (over ) Tj ET Q q 0 0 0 rg BT 272.02 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.63 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 302.90 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 326.94 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 337.67 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.27 106.10 Td (net ) Tj ET Q q 0 0 0 rg BT 366.88 106.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 392.60 106.10 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 431.92 106.10 Td (including ) Tj ET Q q 0 0 0 rg BT 472.08 106.10 Td (core ) Tj ET Q q 0 0 0 rg BT 491.68 106.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 522.96 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 539.79 106.10 Td (client ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 100.69 94.10 Td (intangibles, ) Tj ET Q q 0 0 0 rg BT 150.54 94.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 185.69 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 197.49 94.10 Td (goodwill.Under ) Tj ET Q q 0 0 0 rg BT 269.01 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.70 94.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 329.85 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.88 94.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 363.56 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 368.97 94.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 389.66 94.10 Td (350, ) Tj ET Q q 0 0 0 rg BT 410.64 94.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 449.67 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 459.81 94.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 491.61 94.10 Td (to ) Tj ET Q q 0 0 0 rg BT 502.86 94.10 Td (at ) Tj ET Q q 0 0 0 rg BT 513.55 94.10 Td (least ) Tj ET Q q 0 0 0 rg BT 535.35 94.10 Td (annual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (assessments ) Tj ET Q q 0 0 0 rg BT 101.26 82.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.85 82.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 164.88 82.10 Td (by ) Tj ET Q q 0 0 0 rg BT 177.81 82.10 Td (applying ) Tj ET Q q 0 0 0 rg BT 215.73 82.10 Td (a ) Tj ET Q q 0 0 0 rg BT 223.10 82.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 239.91 82.10 Td (value ) Tj ET Q q 0 0 0 rg BT 264.49 82.10 Td (based ) Tj ET Q q 0 0 0 rg BT 290.19 82.10 Td (test.) Tj ET Q q 0 0 0 rg BT 311.40 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 329.87 82.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 371.69 82.10 Td (reviews ) Tj ET Q q 0 0 0 rg BT 405.72 82.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 444.20 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.57 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 485.05 82.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 527.97 82.10 Td (assets ) 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 (determine ) Tj ET Q q 0 0 0 rg BT 91.91 70.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 128.83 70.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 176.86 70.10 Td (annually) Tj ET Q q 0 0 0 rg BT 210.65 70.10 Td (, ) Tj ET Q q 0 0 0 rg BT 215.08 70.10 Td (or ) Tj ET Q q 0 0 0 rg BT 225.34 70.10 Td (more ) Tj ET Q q 0 0 0 rg BT 247.82 70.10 Td (frequently ) Tj ET Q q 0 0 0 rg BT 290.84 70.10 Td (if ) Tj ET Q q 0 0 0 rg BT 298.88 70.10 Td (events ) Tj ET Q q 0 0 0 rg BT 326.36 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 342.73 70.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 401.30 70.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 434.88 70.10 Td (that ) Tj ET Q q 0 0 0 rg BT 451.81 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 465.96 70.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 487.33 70.10 Td (might ) Tj ET Q q 0 0 0 rg BT 512.59 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 523.96 70.10 Td (impaired, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (by ) Tj ET Q q 0 0 0 rg BT 62.74 58.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 108.24 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.19 58.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 159.24 58.10 Td (value ) Tj ET Q q 0 0 0 rg BT 183.63 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.70 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 209.65 58.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 231.82 58.10 Td (with ) Tj ET Q q 0 0 0 rg BT 252.34 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 267.29 58.10 Td (anticipated ) Tj ET Q q 0 0 0 rg BT 313.89 58.10 Td (future ) Tj ET Q q 0 0 0 rg BT 340.51 58.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 361.01 58.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 388.47 58.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.01 58.10 Td (The ) Tj ET Q q 0 0 0 rg BT 409.29 58.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 456.60 58.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 486.00 58.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 533.17 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 542.58 58.10 Td (done ) Tj ET Q endstream endobj 167 0 obj <> endobj 168 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (83) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.48 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 73.97 742.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 91.79 742.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 116.00 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 117.76 742.10 Td (As ) Tj ET Q q 0 0 0 rg BT 131.15 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.74 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 200.10 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 220.10 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 224.86 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 239.35 742.10 Td (annual ) Tj ET Q q 0 0 0 rg BT 268.27 742.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 314.98 742.10 Td (date, ) Tj ET Q q 0 0 0 rg BT 336.40 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.89 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 392.04 742.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.75 742.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.73 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 431.00 742.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 469.92 742.10 Td (units: ) Tj ET Q q 0 0 0 rg BT 494.42 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.69 742.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 533.67 742.10 Td (leasing ) 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 (mortgage ) Tj ET Q q 0 0 0 rg BT 107.20 730.10 Td (banking. ) Tj ET Q q 0 0 0 rg BT 144.42 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 146.74 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 164.79 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 206.17 730.10 Td (did ) Tj ET Q q 0 0 0 rg BT 221.45 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 236.73 730.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 278.09 730.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 326.69 730.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 353.08 730.10 Td (during ) Tj ET Q q 0 0 0 rg BT 381.69 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.41 730.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.11 730.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.49 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 501.07 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.07 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 526.07 730.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () 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 50 704.7669921875 m 120.3271484375 704.7669921875 l s q 0 0 0 rg BT 50.00 706.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 76.45 706.10 Td (intangibles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.33 706.10 Td (: ) Tj ET Q q 0 0 0 rg BT 126.52 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 145.74 706.10 Td (Company) Tj ET Q q 0 0 0 rg BT 187.41 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 194.97 706.10 Td (other ) Tj ET Q q 0 0 0 rg BT 219.20 706.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 262.86 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 289.87 706.10 Td (consist ) Tj ET Q q 0 0 0 rg BT 321.33 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.33 706.10 Td (core ) Tj ET Q q 0 0 0 rg BT 354.22 706.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 386.78 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.90 706.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 445.23 706.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 492.79 706.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 530.90 706.10 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (acquisitions. ) Tj ET Q q 0 0 0 rg BT 104.70 694.10 Td (Core ) Tj ET Q q 0 0 0 rg BT 126.06 694.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 156.87 694.10 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 202.67 694.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 220.14 694.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 250.95 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.20 694.10 Td (an ) Tj ET Q q 0 0 0 rg BT 272.57 694.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 318.37 694.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 355.83 694.10 Td (price ) Tj ET Q q 0 0 0 rg BT 377.74 694.10 Td (which ) Tj ET Q q 0 0 0 rg BT 404.10 694.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 446.56 694.10 Td (value ) Tj ET Q q 0 0 0 rg BT 470.14 694.10 Td (assigned ) Tj ET Q q 0 0 0 rg BT 506.50 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 516.20 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 530.34 694.10 Td (existing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 81.88 682.10 Td (base\) ) Tj ET Q q 0 0 0 rg BT 105.98 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 127.86 682.10 Td (finite ) Tj ET Q q 0 0 0 rg BT 151.96 682.10 Td (lives ) Tj ET Q q 0 0 0 rg BT 173.84 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.28 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 206.48 682.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 249.46 682.10 Td (by ) Tj ET Q q 0 0 0 rg BT 262.46 682.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.90 682.10 Td (150%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.23 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 296.23 682.10 Td (declining ) Tj ET Q q 0 0 0 rg BT 336.44 682.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 369.97 682.10 Td (method ) Tj ET Q q 0 0 0 rg BT 402.96 682.10 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.73 682.10 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.39 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.38 682.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.16 682.10 Td (20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.16 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 467.16 682.10 Td (years. ) Tj ET Q q 0 0 0 rg BT 496.25 682.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 522.02 682.10 Td (intangible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 75.58 670.10 Td (are ) Tj ET Q q 0 0 0 rg BT 90.04 670.10 Td (tested ) Tj ET Q q 0 0 0 rg BT 115.61 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 129.52 670.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 177.87 670.10 Td (whenever ) Tj ET Q q 0 0 0 rg BT 218.99 670.10 Td (events ) Tj ET Q q 0 0 0 rg BT 246.79 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 257.37 670.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 291.82 670.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.85 670.10 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 360.74 670.10 Td (indicate ) Tj ET Q q 0 0 0 rg BT 394.64 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 411.89 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.35 670.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 461.92 670.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 494.16 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 504.74 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.21 670.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 544.79 670.10 Td (may ) 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 65.28 658.10 Td (be ) Tj ET Q q 0 0 0 rg BT 77.22 658.10 Td (recoverable ) Tj ET Q q 0 0 0 rg BT 126.35 658.10 Td (from ) Tj ET Q q 0 0 0 rg BT 148.29 658.10 Td (future ) Tj ET Q q 0 0 0 rg BT 174.66 658.10 Td (undiscounted ) Tj ET Q q 0 0 0 rg BT 230.49 658.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 250.76 658.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 280.48 658.10 Td (If ) Tj ET Q q 0 0 0 rg BT 289.64 658.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 330.18 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.90 658.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 370.73 658.10 Td (are ) Tj ET Q q 0 0 0 rg BT 385.43 658.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 422.91 658.10 Td (at ) Tj ET Q q 0 0 0 rg BT 432.63 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 449.00 658.10 Td (value.) 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 50 632.7669921875 m 157.40234375 632.7669921875 l s q 0 0 0 rg BT 50.00 634.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.92 634.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 131.28 634.10 Td (Rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.40 634.10 Td (: ) Tj ET Q q 0 0 0 rg BT 162.22 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 164.12 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.70 634.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 222.63 634.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 264.11 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.58 634.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 300.40 634.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 344.10 634.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 383.90 634.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 407.05 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 416.87 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.13 634.10 Td (secondary ) Tj ET Q q 0 0 0 rg BT 473.71 634.10 Td (market ) Tj ET Q q 0 0 0 rg BT 503.51 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 519.99 634.10 Td (may ) Tj ET Q q 0 0 0 rg BT 539.25 634.10 Td (retain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.77 622.10 Td (right ) Tj ET Q q 0 0 0 rg BT 86.21 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.54 622.10 Td (service ) Tj ET Q q 0 0 0 rg BT 127.41 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.18 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 165.84 622.10 Td (sold. ) Tj ET Q q 0 0 0 rg BT 187.56 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 190.11 622.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 230.99 622.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 267.43 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 282.20 622.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 324.18 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.07 622.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 375.94 622.10 Td (from ) Tj ET Q q 0 0 0 rg BT 397.93 622.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 441.04 622.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 484.13 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 501.13 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.89 622.10 Td (distribution ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.79 610.10 Td (those ) Tj ET Q q 0 0 0 rg BT 84.35 610.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 125.14 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 135.37 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 150.05 610.10 Td (investors. ) Tj ET Q q 0 0 0 rg BT 191.11 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.57 610.10 Td (Upon ) Tj ET Q q 0 0 0 rg BT 218.25 610.10 Td (a ) Tj ET Q q 0 0 0 rg BT 225.15 610.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 243.15 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 253.94 610.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 294.16 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 317.72 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 331.84 610.10 Td (which ) Tj ET Q q 0 0 0 rg BT 358.74 610.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 397.85 610.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 423.09 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 437.75 610.10 Td (retained, ) Tj ET Q q 0 0 0 rg BT 474.91 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 489.58 610.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 524.24 610.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.96 598.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 116.04 598.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 138.79 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 148.76 598.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 195.37 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 205.89 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.41 598.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 238.60 598.10 Td (value ) Tj ET Q q 0 0 0 rg BT 263.56 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.19 598.10 Td (future ) Tj ET Q q 0 0 0 rg BT 302.37 598.10 Td (net ) Tj ET Q q 0 0 0 rg BT 317.89 598.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 338.97 598.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 364.49 598.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 403.33 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 414.41 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 427.16 598.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 462.10 598.10 Td (for ) Tj ET Q q 0 0 0 rg BT 477.07 598.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 525.36 598.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (activities. ) Tj ET Q q 0 0 0 rg BT 90.29 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 91.99 586.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 134.78 586.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 174.24 586.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 212.59 586.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 237.06 586.10 Td (are ) Tj ET Q q 0 0 0 rg BT 250.96 586.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 287.63 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 296.54 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.45 586.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 347.69 586.10 Td (price ) Tj ET Q q 0 0 0 rg BT 369.37 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 378.28 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 392.19 586.10 Td (date ) Tj ET Q q 0 0 0 rg BT 410.54 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.56 586.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 457.79 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.93 586.10 Td (at ) Tj ET Q q 0 0 0 rg BT 482.84 586.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 498.41 586.10 Td (value ) Tj ET Q q 0 0 0 rg BT 521.76 586.10 Td (thereafter) Tj ET Q q 0 0 0 rg BT 559.51 586.10 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 90.92 562.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 129.63 562.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 154.45 562.10 Td (do ) Tj ET Q q 0 0 0 rg BT 166.50 562.10 Td (not ) Tj ET Q q 0 0 0 rg BT 181.33 562.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 203.36 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 213.18 562.10 Td (an ) Tj ET Q q 0 0 0 rg BT 224.67 562.10 Td (active ) Tj ET Q q 0 0 0 rg BT 250.59 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 280.40 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 300.23 562.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 330.04 562.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 375.40 562.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 403.82 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.72 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 423.32 562.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 464.25 562.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 510.17 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.44 562.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 562.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.06 550.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 99.56 550.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 137.95 550.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 162.46 550.10 Td (by ) Tj ET Q q 0 0 0 rg BT 174.19 550.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 217.59 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.54 550.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 247.15 550.10 Td (value ) Tj ET Q q 0 0 0 rg BT 270.54 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 280.60 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.55 550.10 Td (future ) Tj ET Q q 0 0 0 rg BT 320.16 550.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 339.66 550.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 363.62 550.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 406.45 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 425.96 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.91 550.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 479.40 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 502.25 550.10 Td (being ) Tj ET Q q 0 0 0 rg BT 526.20 550.10 Td (serviced. ) Tj ET Q q 0 0 0 rg BT 564.51 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 68.26 538.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 108.74 538.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 159.79 538.10 Td (used ) Tj ET Q q 0 0 0 rg BT 179.73 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.11 538.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 232.37 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.19 538.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 261.67 538.10 Td (value ) Tj ET Q q 0 0 0 rg BT 284.93 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.86 538.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 334.23 538.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 372.49 538.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 396.87 538.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 430.41 538.10 Td (but ) Tj ET Q q 0 0 0 rg BT 444.79 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 458.60 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 472.99 538.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 502.92 538.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 514.80 538.10 Td (prepayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 81.26 526.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 117.25 526.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 140.73 526.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 197.81 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 214.35 526.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 232.56 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.44 526.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 275.35 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.30 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 294.95 526.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 346.50 526.10 Td (used ) Tj ET Q q 0 0 0 rg BT 366.93 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.81 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.13 526.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 430.44 526.10 Td (model ) Tj ET Q q 0 0 0 rg BT 457.54 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 471.85 526.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 510.60 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 522.70 526.10 Td (a ) 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 (basis. ) Tj ET Q q 0 0 0 rg BT 75.00 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 77.50 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 79.82 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 97.87 514.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 114.24 514.10 Td (value ) Tj ET Q q 0 0 0 rg BT 138.40 514.10 Td (is ) Tj ET Q q 0 0 0 rg BT 147.57 514.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 186.72 514.10 Td (on ) Tj ET Q q 0 0 0 rg BT 199.22 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 206.16 514.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 244.75 514.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 267.25 514.10 Td (with ) Tj ET Q q 0 0 0 rg BT 287.53 514.10 Td (an ) Tj ET Q q 0 0 0 rg BT 299.47 514.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 350.84 514.10 Td (third ) Tj ET Q q 0 0 0 rg BT 372.23 514.10 Td (party) Tj ET Q q 0 0 0 rg BT 392.12 514.10 Td (. ) 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 68.81 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.96 490.10 Td (has ) Tj ET Q q 0 0 0 rg BT 127.56 490.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 159.13 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 170.17 490.10 Td (account ) Tj ET Q q 0 0 0 rg BT 204.53 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 219.46 490.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 260.48 490.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 300.40 490.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 326.45 490.10 Td (using ) Tj ET Q q 0 0 0 rg BT 351.38 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.86 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 384.00 490.10 Td (value ) Tj ET Q q 0 0 0 rg BT 408.92 490.10 Td (option. ) Tj ET Q q 0 0 0 rg BT 440.24 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.51 490.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 481.21 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 492.25 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 507.73 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 524.87 490.10 Td (value ) Tj ET Q q 0 0 0 rg BT 549.79 490.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 106.64 478.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 146.90 478.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 181.62 478.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 215.77 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 228.27 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 242.98 478.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 290.06 478.10 Td (Consolidated ) Tj ET Q q 0 0 0 rg BT 345.34 478.10 Td (Statements ) Tj ET Q q 0 0 0 rg BT 391.72 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.55 478.10 Td (Operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td () 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 50 452.7669921875 m 159.8486328125 452.7669921875 l s q 0 0 0 rg BT 50.00 454.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 74.94 454.10 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 140.41 454.10 Td (asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.85 454.10 Td (: ) Tj ET Q q 0 0 0 rg BT 164.31 454.10 Td (As ) Tj ET Q q 0 0 0 rg BT 177.58 454.10 Td (part ) Tj ET Q q 0 0 0 rg BT 195.28 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.76 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.14 454.10 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 256.72 454.10 Td (Community ) Tj ET Q q 0 0 0 rg BT 306.66 454.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 329.92 454.10 Td (\("Heritage"\), ) Tj ET Q q 0 0 0 rg BT 383.82 454.10 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 432.07 454.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 455.34 454.10 Td (\("Benchmark"\), ) Tj ET Q q 0 0 0 rg BT 520.91 454.10 Td (Broadway ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 72.79 442.10 Td (\("Broadway"\), ) Tj ET Q q 0 0 0 rg BT 132.90 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.02 442.10 Td (New ) Tj ET Q q 0 0 0 rg BT 169.59 442.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 203.49 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 226.28 442.10 Td (\("New ) Tj ET Q q 0 0 0 rg BT 254.26 442.10 Td (Century"\) ) Tj ET Q q 0 0 0 rg BT 295.57 442.10 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 347.52 442.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 364.76 442.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 403.66 442.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 426.45 442.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 457.56 442.10 Td (into ) Tj ET Q q 0 0 0 rg BT 474.80 442.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 516.47 442.10 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 69.68 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.79 430.10 Td (FDIC. ) Tj ET Q q 0 0 0 rg BT 110.97 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.73 430.10 Td (These ) Tj ET Q q 0 0 0 rg BT 138.51 430.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 185.94 430.10 Td (cover ) Tj ET Q q 0 0 0 rg BT 210.05 430.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 243.59 430.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 269.38 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.27 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 304.28 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.62 430.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 364.16 430.10 Td (real ) Tj ET Q q 0 0 0 rg BT 381.05 430.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 405.71 430.10 Td (for ) Tj ET Q q 0 0 0 rg BT 419.27 430.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 457.26 430.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 491.10 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.99 430.10 Td (See ) Tj ET Q q 0 0 0 rg BT 509.33 430.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 530.67 430.10 Td (5 ) Tj ET Q q 0 0 0 rg BT 537.57 430.10 Td (below ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.99 418.10 Td (more ) Tj ET Q q 0 0 0 rg BT 86.86 418.10 Td (information ) Tj ET Q q 0 0 0 rg BT 136.40 418.10 Td (on ) Tj ET Q q 0 0 0 rg BT 148.72 418.10 Td (these ) Tj ET Q q 0 0 0 rg BT 171.59 418.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 221.95 418.10 Td (including ) Tj ET Q q 0 0 0 rg BT 262.05 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 276.59 418.10 Td (duration ) Tj ET Q q 0 0 0 rg BT 312.24 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.90 418.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 340.79 418.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 380.33 418.10 Td (Bank) Tj ET Q q 0 0 0 rg BT 404.21 418.10 Td (s ) Tj ET Q q 0 0 0 rg BT 410.43 418.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 452.75 418.10 Td (coverage. ) Tj ET Q q 0 0 0 rg BT 493.65 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.81 418.10 Td (These ) Tj ET Q q 0 0 0 rg BT 522.01 418.10 Td (loss-share ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.60 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 92.08 406.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 133.67 406.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 177.48 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 200.19 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 215.68 406.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 236.17 406.10 Td (portfolios ) Tj ET Q q 0 0 0 rg BT 278.33 406.10 Td (because ) Tj ET Q q 0 0 0 rg BT 313.25 406.10 Td (they ) Tj ET Q q 0 0 0 rg BT 333.75 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 349.23 406.10 Td (not ) Tj ET Q q 0 0 0 rg BT 365.28 406.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 420.75 406.10 Td (embedded ) Tj ET Q q 0 0 0 rg BT 465.12 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 476.17 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.66 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 516.04 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 533.75 406.10 Td (are ) Tj ET Q q 0 0 0 rg BT 549.24 406.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (transferable ) Tj ET Q q 0 0 0 rg BT 98.87 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 118.32 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.22 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 155.00 394.10 Td (should ) Tj ET Q q 0 0 0 rg BT 183.35 394.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 200.58 394.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 239.47 394.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 262.26 394.10 Td (choose ) Tj ET Q q 0 0 0 rg BT 291.70 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 301.16 394.10 Td (dispose ) Tj ET Q q 0 0 0 rg BT 332.83 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.84 394.10 Td (them. ) Tj ET Q q 0 0 0 rg BT 367.01 394.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 384.80 394.10 Td (values ) Tj ET Q q 0 0 0 rg BT 412.02 394.10 Td (at ) Tj ET Q q 0 0 0 rg BT 420.91 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.81 394.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 480.36 394.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 502.59 394.10 Td (were ) Tj ET Q q 0 0 0 rg BT 523.69 394.10 Td (estimated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.27 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.76 382.10 Td (projected ) Tj ET Q q 0 0 0 rg BT 127.46 382.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 147.73 382.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 172.45 382.10 Td (available ) Tj ET Q q 0 0 0 rg BT 211.04 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 225.19 382.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 267.68 382.10 Td (based ) Tj ET Q q 0 0 0 rg BT 292.95 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 305.44 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 320.16 382.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 345.42 382.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 395.69 382.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 436.51 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 450.67 382.10 Td (each ) Tj ET Q q 0 0 0 rg BT 471.48 382.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 491.19 382.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 511.47 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.41 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 543.12 382.10 Td (loss-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (share ) Tj ET Q q 0 0 0 rg BT 72.74 370.10 Td (percentages. ) Tj ET Q q 0 0 0 rg BT 126.46 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 143.65 370.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 185.29 370.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 210.26 370.10 Td (are ) Tj ET Q q 0 0 0 rg BT 224.11 370.10 Td (also ) Tj ET Q q 0 0 0 rg BT 241.87 370.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 284.04 370.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 324.00 370.10 Td (from ) Tj ET Q q 0 0 0 rg BT 345.09 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.95 370.10 Td (related ) Tj ET Q q 0 0 0 rg BT 387.79 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 410.55 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.63 370.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 469.92 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 486.55 370.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 510.96 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 527.04 370.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (within ) Tj ET Q q 0 0 0 rg BT 77.80 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 100.59 358.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 126.16 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 138.40 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.86 358.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 185.64 358.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 213.27 358.10 Td (The ) Tj ET Q q 0 0 0 rg BT 231.06 358.10 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 290.51 358.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 329.39 358.10 Td (is ) Tj ET Q q 0 0 0 rg BT 338.30 358.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 375.52 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 385.54 358.10 Td (other ) Tj ET Q q 0 0 0 rg BT 408.33 358.10 Td (income ) Tj ET Q q 0 0 0 rg BT 440.01 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 452.25 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.71 358.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 507.27 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 517.84 358.10 Td (operations. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (Although ) Tj ET Q q 0 0 0 rg BT 90.28 346.10 Td (these ) Tj ET Q q 0 0 0 rg BT 113.33 346.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 139.16 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 153.86 346.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 200.78 346.10 Td (receivables ) Tj ET Q q 0 0 0 rg BT 248.25 346.10 Td (from ) Tj ET Q q 0 0 0 rg BT 270.19 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.91 346.10 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 312.69 346.10 Td (there ) Tj ET Q q 0 0 0 rg BT 335.18 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 349.88 346.10 Td (no ) Tj ET Q q 0 0 0 rg BT 362.38 346.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 409.30 346.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 441.24 346.10 Td (rates. ) Tj ET Q q 0 0 0 rg BT 465.11 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 467.61 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.11 346.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td () 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 50 320.7669921875 m 113.6513671875 320.7669921875 l s q 0 0 0 rg BT 50.00 322.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 89.76 322.10 Td (stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.65 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 116.22 322.10 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 155.98 322.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 179.66 322.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 207.23 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.57 322.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 264.01 322.10 Td (with ) Tj ET Q q 0 0 0 rg BT 284.36 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.96 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 304.37 322.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 327.48 322.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 358.93 322.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 389.55 322.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 407.38 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 423.82 322.10 Td (American ) Tj ET Q q 0 0 0 rg BT 465.81 322.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 507.81 322.10 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 546.75 322.10 Td (Inc. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 310.10 Td (gers ) Tj ET Q q 0 0 0 rg BT 83.95 310.10 Td (was ) Tj ET Q q 0 0 0 rg BT 101.42 310.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 134.46 310.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 171.35 310.10 Td (at ) Tj ET Q q 0 0 0 rg BT 180.49 310.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 196.29 310.10 Td (value.Preferred ) Tj ET Q q 0 0 0 rg BT 264.57 310.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 305.38 310.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 341.16 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 355.29 310.10 Td (deducted ) Tj ET Q q 0 0 0 rg BT 393.31 310.10 Td (from ) Tj ET Q q 0 0 0 rg BT 414.67 310.10 Td (net ) Tj ET Q q 0 0 0 rg BT 428.81 310.10 Td (income ) Tj ET Q q 0 0 0 rg BT 460.17 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 473.75 310.10 Td (computing ) Tj ET Q q 0 0 0 rg BT 518.45 310.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.59 310.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (available ) Tj ET Q q 0 0 0 rg BT 88.59 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.87 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 136.36 298.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 189.41 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.35 298.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 242.72 298.10 Td (per ) Tj ET Q q 0 0 0 rg BT 257.99 298.10 Td (common ) Tj ET Q q 0 0 0 rg BT 295.49 298.10 Td (share ) Tj ET Q q 0 0 0 rg BT 319.09 298.10 Td (computations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td () 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 50 272.7669921875 m 110.70703125 272.7669921875 l s q 0 0 0 rg BT 50.00 274.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 274.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 86.82 274.10 Td (stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.71 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.22 274.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.98 274.10 Td (reasury ) Tj ET Q q 0 0 0 rg BT 149.04 274.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 171.79 274.10 Td (is ) Tj ET Q q 0 0 0 rg BT 180.09 274.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 216.70 274.10 Td (at ) Tj ET Q q 0 0 0 rg BT 225.55 274.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 271.07 274.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 291.31 274.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 316.28 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 332.35 274.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 357.88 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 369.51 274.10 Td (disposition ) Tj ET Q q 0 0 0 rg BT 415.04 274.10 Td (are ) Tj ET Q q 0 0 0 rg BT 428.89 274.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 465.50 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 475.46 274.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 513.74 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.71 274.10 Td (decreases ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 262.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 102.77 262.10 Td (paid-in ) Tj ET Q q 0 0 0 rg BT 133.59 262.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 162.74 262.10 Td (with ) Tj ET Q q 0 0 0 rg BT 183.02 262.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 209.41 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 219.69 262.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 248.29 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 259.12 262.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 303.84 262.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 341.31 262.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 364.92 262.10 Td (char) Tj ET Q q 0 0 0 rg BT 381.95 262.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 398.89 262.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 431.93 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.21 262.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 476.91 262.10 Td (earnings.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td () 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 50 236.76699218750002 m 268.57666015625 236.76699218750002 l s q 0 0 0 rg BT 50.00 238.10 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 94.60 238.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 131.97 238.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 181.03 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 197.87 238.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 232.48 238.10 Td (activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.58 238.10 Td (: ) Tj ET Q q 0 0 0 rg BT 273.22 238.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 294.90 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 300.31 238.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 319.92 238.10 Td (815 ) Tj ET Q q 0 0 0 rg BT 337.31 238.10 Td (establishes ) Tj ET Q q 0 0 0 rg BT 383.03 238.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 429.30 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 446.13 238.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 485.18 238.10 Td (standards ) Tj ET Q q 0 0 0 rg BT 525.35 238.10 Td (requiring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 67.08 226.10 Td (every ) Tj ET Q q 0 0 0 rg BT 91.37 226.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 133.43 226.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 178.29 226.10 Td (\(including ) Tj ET Q q 0 0 0 rg BT 221.47 226.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 250.76 226.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 292.82 226.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 341.57 226.10 Td (embedded ) Tj ET Q q 0 0 0 rg BT 384.74 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.60 226.10 Td (other ) Tj ET Q q 0 0 0 rg BT 417.23 226.10 Td (contracts\) ) Tj ET Q q 0 0 0 rg BT 458.74 226.10 Td (be ) Tj ET Q q 0 0 0 rg BT 470.26 226.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 507.32 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.18 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 531.48 226.10 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 73.21 214.10 Td (as ) Tj ET Q q 0 0 0 rg BT 84.21 214.10 Td (either ) Tj ET Q q 0 0 0 rg BT 109.64 214.10 Td (an ) Tj ET Q q 0 0 0 rg BT 121.74 214.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 143.85 214.10 Td (or ) Tj ET Q q 0 0 0 rg BT 154.84 214.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 188.62 214.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 229.60 214.10 Td (at ) Tj ET Q q 0 0 0 rg BT 239.48 214.10 Td (its ) Tj ET Q q 0 0 0 rg BT 251.60 214.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 268.14 214.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 296.87 214.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 318.80 214.10 Td (T) Tj ET Q q 0 0 0 rg BT 324.21 214.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 344.09 214.10 Td (815 ) Tj ET Q q 0 0 0 rg BT 361.76 214.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 396.63 214.10 Td (that ) Tj ET Q q 0 0 0 rg BT 414.29 214.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 449.17 214.10 Td (in ) Tj ET Q q 0 0 0 rg BT 459.61 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.49 214.10 Td (derivative) Tj ET Q q 0 0 0 rg BT 517.25 214.10 Td (s ) Tj ET Q q 0 0 0 rg BT 523.81 214.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 214.10 Td (value ) 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 61.75 202.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 107.93 202.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 146.34 202.10 Td (in ) Tj ET Q q 0 0 0 rg BT 156.44 202.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 192.63 202.10 Td (unless ) Tj ET Q q 0 0 0 rg BT 219.95 202.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 253.35 202.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 279.55 202.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 325.74 202.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 356.36 202.10 Td (are ) Tj ET Q q 0 0 0 rg BT 370.89 202.10 Td (met. ) Tj ET Q q 0 0 0 rg BT 392.69 202.10 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 441.66 202.10 Td (for ) Tj ET Q q 0 0 0 rg BT 455.63 202.10 Td (qualifying ) Tj ET Q q 0 0 0 rg BT 499.05 202.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 529.14 202.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 557.56 202.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (derivative) Tj ET Q q 0 0 0 rg BT 92.76 190.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.55 190.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 121.55 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 137.89 190.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 163.68 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.35 190.10 Td (of) Tj ET Q q 0 0 0 rg BT 181.50 190.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 197.84 190.10 Td (related ) Tj ET Q q 0 0 0 rg BT 226.94 190.10 Td (results ) Tj ET Q q 0 0 0 rg BT 254.94 190.10 Td (on ) Tj ET Q q 0 0 0 rg BT 266.84 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.95 190.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 311.73 190.10 Td (item ) Tj ET Q q 0 0 0 rg BT 331.40 190.10 Td (in ) Tj ET Q q 0 0 0 rg BT 341.07 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.19 190.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 395.40 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.63 190.10 Td (operations, ) Tj ET Q q 0 0 0 rg BT 451.68 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 468.02 190.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 502.12 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 519.01 190.10 Td (a ) Tj ET Q q 0 0 0 rg BT 525.35 190.10 Td (company ) Tj ET Q q 0 0 0 rg BT 564.50 190.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (formally ) Tj ET Q q 0 0 0 rg BT 86.93 178.10 Td (document, ) Tj ET Q q 0 0 0 rg BT 131.37 178.10 Td (designate ) Tj ET Q q 0 0 0 rg BT 171.63 178.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.57 178.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 215.51 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.23 178.10 Td (ef) Tj ET Q q 0 0 0 rg BT 237.82 178.10 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 284.74 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.57 178.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 345.83 178.10 Td (that ) Tj ET Q q 0 0 0 rg BT 363.33 178.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 394.69 178.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 421.07 178.10 Td (accounting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (All ) Tj ET Q q 0 0 0 rg BT 65.17 154.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 111.43 154.10 Td (are ) Tj ET Q q 0 0 0 rg BT 126.02 154.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 172.28 154.10 Td (on ) Tj ET Q q 0 0 0 rg BT 184.67 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.27 154.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 252.20 154.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 285.12 154.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 308.06 154.10 Td (at ) Tj ET Q q 0 0 0 rg BT 317.67 154.10 Td (their ) Tj ET Q q 0 0 0 rg BT 338.38 154.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 354.65 154.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 383.69 154.10 Td (On ) Tj ET Q q 0 0 0 rg BT 398.30 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.91 154.10 Td (date ) Tj ET Q q 0 0 0 rg BT 431.95 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.56 154.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 488.93 154.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 523.52 154.10 Td (is ) Tj ET Q q 0 0 0 rg BT 532.58 154.10 Td (entered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (into, ) Tj ET Q q 0 0 0 rg BT 71.09 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.34 142.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 128.25 142.10 Td (designates ) Tj ET Q q 0 0 0 rg BT 172.94 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.19 142.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 231.20 142.10 Td (as ) Tj ET Q q 0 0 0 rg BT 242.56 142.10 Td (either ) Tj ET Q q 0 0 0 rg BT 268.36 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.83 142.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 292.73 142.10 Td (value ) Tj ET Q q 0 0 0 rg BT 317.42 142.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 344.33 142.10 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 362.91 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 370.38 142.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 397.29 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 408.65 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.89 142.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 440.80 142.10 Td (value ) Tj ET Q q 0 0 0 rg BT 465.49 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.85 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.32 142.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 531.21 142.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 553.68 142.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (liability\), ) Tj ET Q q 0 0 0 rg BT 89.82 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 97.14 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 117.79 130.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 139.00 130.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 165.76 130.10 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 184.18 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 191.50 130.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 218.26 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.47 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.57 130.10 Td (variability ) Tj ET Q q 0 0 0 rg BT 288.55 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 299.76 130.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 320.41 130.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 345.51 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.17 130.10 Td (be ) Tj ET Q q 0 0 0 rg BT 368.49 130.10 Td (received ) Tj ET Q q 0 0 0 rg BT 405.23 130.10 Td (or ) Tj ET Q q 0 0 0 rg BT 416.45 130.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 436.54 130.10 Td (related ) Tj ET Q q 0 0 0 rg BT 466.63 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 477.29 130.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.60 130.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 531.35 130.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 553.67 130.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (liability\), ) Tj ET Q q 0 0 0 rg BT 89.79 118.10 Td (or ) Tj ET Q q 0 0 0 rg BT 100.97 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 108.26 118.10 Td (non-designated ) Tj ET Q q 0 0 0 rg BT 172.20 118.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 215.03 118.10 Td (\(i.e. ) Tj ET Q q 0 0 0 rg BT 233.43 118.10 Td (an ) Tj ET Q q 0 0 0 rg BT 245.72 118.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 291.34 118.10 Td (with ) Tj ET Q q 0 0 0 rg BT 311.97 118.10 Td (no ) Tj ET Q q 0 0 0 rg BT 324.82 118.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 359.89 118.10 Td (designation\). ) Tj ET Q q 0 0 0 rg BT 417.18 118.10 Td (For ) Tj ET Q q 0 0 0 rg BT 433.92 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.21 118.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 484.04 118.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 529.65 118.10 Td (as ) Tj ET Q q 0 0 0 rg BT 540.83 118.10 Td (a ) Tj ET Q q 0 0 0 rg BT 548.12 118.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.22 106.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 103.16 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.94 106.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 152.71 106.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.05 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.83 106.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 194.27 106.10 Td (value ) Tj ET Q q 0 0 0 rg BT 218.48 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.38 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.16 106.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 286.70 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 303.70 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 314.59 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.37 106.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 360.81 106.10 Td (item ) Tj ET Q q 0 0 0 rg BT 381.15 106.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 429.25 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 439.59 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.37 106.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 485.81 106.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 503.37 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 518.14 106.10 Td (recognized ) 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 59.75 94.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 100.61 94.10 Td (If ) Tj ET Q q 0 0 0 rg BT 109.24 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 123.43 94.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 165.39 94.10 Td (is ) Tj ET Q q 0 0 0 rg BT 174.03 94.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 218.77 94.10 Td (as ) Tj ET Q q 0 0 0 rg BT 229.08 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.49 94.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 255.23 94.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 275.54 94.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 303.89 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 318.08 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 325.67 94.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 354.85 94.10 Td (portions ) Tj ET Q q 0 0 0 rg BT 389.60 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 399.91 94.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 434.09 94.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.84 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 458.03 94.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 473.89 94.10 Td (value ) Tj ET Q q 0 0 0 rg BT 497.52 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.82 94.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.01 94.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 65.58 82.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 103.93 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 115.08 82.10 Td (other ) Tj ET Q q 0 0 0 rg BT 139.00 82.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 202.91 82.10 Td (income ) Tj ET Q q 0 0 0 rg BT 235.72 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.53 82.10 Td (are ) Tj ET Q q 0 0 0 rg BT 269.11 82.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 316.35 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.50 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.09 82.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 384.79 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 396.49 82.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 441.52 82.10 Td (when ) Tj ET Q q 0 0 0 rg BT 466.55 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.14 82.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 514.39 82.10 Td (item ) Tj ET Q q 0 0 0 rg BT 535.54 82.10 Td (af) Tj ET Q q 0 0 0 rg BT 543.13 82.10 Td (fects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 91.77 70.10 Td (Inef) Tj ET Q q 0 0 0 rg BT 107.69 70.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 137.79 70.10 Td (portions ) Tj ET Q q 0 0 0 rg BT 173.47 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.69 70.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 219.80 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 230.47 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.59 70.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 262.36 70.10 Td (value ) Tj ET Q q 0 0 0 rg BT 286.91 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 298.14 70.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 318.81 70.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 340.03 70.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 370.70 70.10 Td (are ) Tj ET Q q 0 0 0 rg BT 385.80 70.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 432.56 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.24 70.10 Td (earnings. ) Tj ET Q q 0 0 0 rg BT 485.01 70.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 522.35 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 533.02 70.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.13 70.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.16 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.99 58.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 131.36 58.10 Td (that ) Tj ET Q q 0 0 0 rg BT 148.85 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 163.56 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 178.84 58.10 Td (designated ) Tj ET Q q 0 0 0 rg BT 224.10 58.10 Td (as ) Tj ET Q q 0 0 0 rg BT 234.93 58.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 251.31 58.10 Td (value ) Tj ET Q q 0 0 0 rg BT 275.46 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 286.29 58.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 306.56 58.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 327.39 58.10 Td (are ) Tj ET Q q 0 0 0 rg BT 342.10 58.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 377.92 58.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 416.51 58.10 Td (in ) Tj ET Q q 0 0 0 rg BT 426.79 58.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 465.66 58.10 Td (as ) Tj ET Q q 0 0 0 rg BT 476.49 58.10 Td (noninterest ) Tj ET Q q 0 0 0 rg BT 523.43 58.10 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.10 Td () Tj ET Q endstream endobj 169 0 obj <> endobj 170 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (84) Tj ET Q 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 67.09 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.53 742.10 Td (formally ) Tj ET Q q 0 0 0 rg BT 143.51 742.10 Td (documents ) Tj ET Q q 0 0 0 rg BT 188.38 742.10 Td (all ) Tj ET Q q 0 0 0 rg BT 199.92 742.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 252.57 742.10 Td (between ) Tj ET Q q 0 0 0 rg BT 287.43 742.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 321.20 742.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 369.41 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 385.40 742.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 419.16 742.10 Td (items, ) Tj ET Q q 0 0 0 rg BT 444.87 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 454.75 742.10 Td (well ) Tj ET Q q 0 0 0 rg BT 473.51 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 483.39 742.10 Td (its ) Tj ET Q q 0 0 0 rg BT 494.38 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 510.93 742.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 88.56 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 104.92 730.10 Td (strategy ) Tj ET Q q 0 0 0 rg BT 138.49 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.06 730.10 Td (undertaking ) Tj ET Q q 0 0 0 rg BT 201.74 730.10 Td (various ) Tj ET Q q 0 0 0 rg BT 233.09 730.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 258.88 730.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 313.42 730.10 Td (This ) Tj ET Q q 0 0 0 rg BT 333.11 730.10 Td (process ) Tj ET Q q 0 0 0 rg BT 365.02 730.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 400.26 730.10 Td (linking ) Tj ET Q q 0 0 0 rg BT 430.51 730.10 Td (all ) Tj ET Q q 0 0 0 rg BT 442.42 730.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 488.20 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 505.11 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 519.23 730.10 Td (designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.33 718.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.21 718.10 Td (value ) Tj ET Q q 0 0 0 rg BT 99.87 718.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 129.64 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 139.97 718.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 159.74 718.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 180.07 718.10 Td (hedges ) Tj ET Q q 0 0 0 rg BT 209.84 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 219.62 718.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 252.72 718.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 278.05 718.10 Td (or ) Tj ET Q q 0 0 0 rg BT 288.38 718.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 327.60 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 339.60 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.82 718.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 386.36 718.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 413.76 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 431.31 718.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 472.20 718.10 Td (also ) Tj ET Q q 0 0 0 rg BT 490.31 718.10 Td (formally ) Tj ET Q q 0 0 0 rg BT 526.75 718.10 Td (assesses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (both ) Tj ET Q q 0 0 0 rg BT 70.70 706.10 Td (at ) Tj ET Q q 0 0 0 rg BT 80.85 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 95.99 706.10 Td (hedge) Tj ET Q q 0 0 0 rg BT 122.65 706.10 Td (s ) Tj ET Q q 0 0 0 rg BT 129.46 706.10 Td (inception ) Tj ET Q q 0 0 0 rg BT 169.60 706.10 Td (and ) Tj ET Q q 0 0 0 rg BT 186.97 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 199.89 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 212.26 706.10 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 247.96 706.10 Td (basis, ) Tj ET Q q 0 0 0 rg BT 273.39 706.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 308.52 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.67 706.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 370.46 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 388.38 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 403.52 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 424.77 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 435.48 706.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 470.62 706.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 521.31 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 536.45 706.10 Td (highly ) 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 (fective ) Tj ET Q q 0 0 0 rg BT 87.29 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.57 694.10 Td (of) Tj ET Q q 0 0 0 rg BT 105.72 694.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 138.21 694.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 172.92 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 183.20 694.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 199.58 694.10 Td (values ) Tj ET Q q 0 0 0 rg BT 227.62 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 238.45 694.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 258.72 694.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 283.44 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.27 694.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 325.65 694.10 Td (items.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td () 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 68.79 670.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.92 670.10 Td (discontinues ) Tj ET Q q 0 0 0 rg BT 164.16 670.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 191.27 670.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 238.39 670.10 Td (prospectively ) Tj ET Q q 0 0 0 rg BT 295.50 670.10 Td (when ) Tj ET Q q 0 0 0 rg BT 320.41 670.10 Td (it ) Tj ET Q q 0 0 0 rg BT 329.20 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 339.12 670.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 387.34 670.10 Td (that ) Tj ET Q q 0 0 0 rg BT 405.58 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.04 670.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 464.26 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 474.17 670.10 Td (no ) Tj ET Q q 0 0 0 rg BT 487.41 670.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 516.20 670.10 Td (ef) Tj ET Q q 0 0 0 rg BT 523.79 670.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 554.23 670.10 Td (in ) 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 58.15 658.10 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 90.42 658.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 124.91 658.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.97 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.46 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 165.62 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 189.55 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 200.16 658.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 220.21 658.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 244.71 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.32 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.82 658.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 300.97 658.10 Td (item; ) Tj ET Q q 0 0 0 rg BT 323.81 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 338.30 658.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 380.56 658.10 Td (expires ) Tj ET Q q 0 0 0 rg BT 411.72 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 422.33 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 431.28 658.10 Td (sold, ) Tj ET Q q 0 0 0 rg BT 452.73 658.10 Td (terminated, ) Tj ET Q q 0 0 0 rg BT 500.26 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 510.87 658.10 Td (exercised; ) Tj ET Q q 0 0 0 rg BT 553.68 658.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (management ) Tj ET Q q 0 0 0 rg BT 102.46 646.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 147.71 646.10 Td (that ) Tj ET Q q 0 0 0 rg BT 164.08 646.10 Td (designation ) Tj ET Q q 0 0 0 rg BT 211.56 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.27 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.86 646.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 276.22 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 285.92 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 291.74 646.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 325.33 646.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 369.48 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 377.53 646.10 Td (no ) Tj ET Q q 0 0 0 rg BT 388.90 646.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 415.83 646.10 Td (appropriate. ) Tj ET Q q 0 0 0 rg BT 467.63 646.10 Td (When ) Tj ET Q q 0 0 0 rg BT 492.89 646.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 518.14 646.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.97 634.10 Td (discontinued ) Tj ET Q q 0 0 0 rg BT 114.37 634.10 Td (because ) Tj ET Q q 0 0 0 rg BT 149.31 634.10 Td (it ) Tj ET Q q 0 0 0 rg BT 158.17 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 168.13 634.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 216.41 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 234.70 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 250.22 634.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 293.49 634.10 Td (no ) Tj ET Q q 0 0 0 rg BT 306.79 634.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 335.64 634.10 Td (qualifies ) Tj ET Q q 0 0 0 rg BT 373.37 634.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.99 634.10 Td (an ) Tj ET Q q 0 0 0 rg BT 397.73 634.10 Td (ef) Tj ET Q q 0 0 0 rg BT 405.32 634.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 435.82 634.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 452.99 634.10 Td (value ) Tj ET Q q 0 0 0 rg BT 477.94 634.10 Td (hedge, ) Tj ET Q q 0 0 0 rg BT 507.62 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.13 634.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 90.22 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 99.89 622.10 Td (carry ) Tj ET Q q 0 0 0 rg BT 122.32 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.44 622.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 178.31 622.10 Td (on ) Tj ET Q q 0 0 0 rg BT 190.21 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 204.32 622.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 236.74 622.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 259.18 622.10 Td (at ) Tj ET Q q 0 0 0 rg BT 268.30 622.10 Td (its ) Tj ET Q q 0 0 0 rg BT 279.64 622.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 295.41 622.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 321.46 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 337.79 622.10 Td (no ) Tj ET Q q 0 0 0 rg BT 349.69 622.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 377.13 622.10 Td (adjusts ) Tj ET Q q 0 0 0 rg BT 406.80 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.91 622.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 451.68 622.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 473.02 622.10 Td (or ) Tj ET Q q 0 0 0 rg BT 483.24 622.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 516.25 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 529.80 622.10 Td (changes ) 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 60.24 610.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.57 610.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 103.01 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 121.01 610.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 167.35 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.14 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.81 610.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 228.58 610.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 261.04 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 271.82 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 286.50 610.10 Td (hedged ) Tj ET Q q 0 0 0 rg BT 317.83 610.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 339.73 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 350.52 610.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 384.08 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 393.21 610.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 436.20 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 450.32 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 460.55 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 475.23 610.10 Td (same ) Tj ET Q q 0 0 0 rg BT 498.23 610.10 Td (manner ) Tj ET Q q 0 0 0 rg BT 530.67 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 541.46 610.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (components ) Tj ET Q q 0 0 0 rg BT 100.83 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 111.66 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.37 598.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 162.19 598.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 194.68 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 205.51 598.10 Td (that ) Tj ET Q q 0 0 0 rg BT 223.01 598.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 244.95 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 255.78 598.10 Td (liability) Tj ET Q q 0 0 0 rg BT 286.24 598.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td () 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 50 572.7669921875 m 165.294921875 572.7669921875 l s q 0 0 0 rg BT 50.00 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 55.76 574.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 91.16 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.24 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 141.96 574.10 Td (assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.29 574.10 Td (: ) Tj ET Q q 0 0 0 rg BT 171.55 574.10 Td (T) Tj ET Q q 0 0 0 rg BT 177.31 574.10 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 212.71 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 224.79 574.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 263.52 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 290.60 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 306.55 574.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 350.83 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 366.24 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.32 574.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 404.01 574.10 Td (when ) Tj ET Q q 0 0 0 rg BT 429.42 574.10 Td (control ) Tj ET Q q 0 0 0 rg BT 461.49 574.10 Td (over ) Tj ET Q q 0 0 0 rg BT 483.01 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 498.98 574.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 526.05 574.10 Td (has ) Tj ET Q q 0 0 0 rg BT 543.13 574.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (surrendered. ) Tj ET Q q 0 0 0 rg BT 104.65 562.10 Td (Control ) Tj ET Q q 0 0 0 rg BT 137.67 562.10 Td (over ) Tj ET Q q 0 0 0 rg BT 157.89 562.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 203.65 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 229.44 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 238.56 562.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 272.11 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.35 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 294.24 562.10 Td (surrendered ) Tj ET Q q 0 0 0 rg BT 343.90 562.10 Td (when ) Tj ET Q q 0 0 0 rg BT 368.01 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.69 562.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 408.47 562.10 Td (have ) Tj ET Q q 0 0 0 rg BT 429.80 562.10 Td (been ) Tj ET Q q 0 0 0 rg BT 451.14 562.10 Td (isolated ) Tj ET Q q 0 0 0 rg BT 484.70 562.10 Td (from ) Tj ET Q q 0 0 0 rg BT 506.59 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.26 562.10 Td (Company) Tj ET Q q 0 0 0 rg BT 559.50 562.10 Td (, ) 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 64.78 550.10 Td (transferee ) Tj ET Q q 0 0 0 rg BT 106.76 550.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 138.21 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.99 550.10 Td (right ) Tj ET Q q 0 0 0 rg BT 174.45 550.10 Td (\(free ) Tj ET Q q 0 0 0 rg BT 195.88 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.77 550.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 251.00 550.10 Td (that ) Tj ET Q q 0 0 0 rg BT 268.56 550.10 Td (constrain ) Tj ET Q q 0 0 0 rg BT 307.78 550.10 Td (it ) Tj ET Q q 0 0 0 rg BT 315.90 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 337.91 550.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 365.47 550.10 Td (advantage ) Tj ET Q q 0 0 0 rg BT 408.57 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 419.46 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 434.24 550.10 Td (right\) ) Tj ET Q q 0 0 0 rg BT 459.02 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.37 550.10 Td (pledge ) Tj ET Q q 0 0 0 rg BT 498.59 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 509.48 550.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 549.80 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 96.93 538.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 126.38 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 144.43 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.27 538.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.78 538.10 Td (does ) Tj ET Q q 0 0 0 rg BT 224.73 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 241.12 538.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 279.73 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 287.32 538.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 318.14 538.10 Td (control ) Tj ET Q q 0 0 0 rg BT 350.09 538.10 Td (over ) Tj ET Q q 0 0 0 rg BT 371.48 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.31 538.10 Td (transferred ) Tj ET Q q 0 0 0 rg BT 434.24 538.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 461.19 538.10 Td (through ) Tj ET Q q 0 0 0 rg BT 495.92 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 508.97 538.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 554.23 538.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 95.81 526.10 Td (them ) Tj ET Q q 0 0 0 rg BT 118.30 526.10 Td (before ) Tj ET Q q 0 0 0 rg BT 146.34 526.10 Td (their ) Tj ET Q q 0 0 0 rg BT 167.16 526.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 200.40 526.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td () 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 50 500.7669921875 m 171.640625 500.7669921875 l s q 0 0 0 rg BT 50.00 502.10 Td (Sale ) Tj ET Q q 0 0 0 rg BT 69.45 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 80.01 502.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 132.77 502.10 Td (contracts:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.64 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.87 502.10 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 206.65 502.10 Td (Business ) Tj ET Q q 0 0 0 rg BT 244.44 502.10 Td (Solutions, ) Tj ET Q q 0 0 0 rg BT 286.96 502.10 Td (LLC ) Tj ET Q q 0 0 0 rg BT 308.08 502.10 Td (\(LBS\), ) Tj ET Q q 0 0 0 rg BT 337.81 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 344.48 502.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 387.82 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 398.38 502.10 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 431.15 502.10 Td (Systems ) Tj ET Q q 0 0 0 rg BT 466.72 502.10 Td (Leasing, ) Tj ET Q q 0 0 0 rg BT 503.11 502.10 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 523.11 502.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 543.12 502.10 Td (third ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (party ) Tj ET Q q 0 0 0 rg BT 73.05 490.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 126.09 490.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 164.69 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 174.97 490.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 222.84 490.10 Td (The ) Tj ET Q q 0 0 0 rg BT 240.90 490.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 293.93 490.10 Td (is ) Tj ET Q q 0 0 0 rg BT 303.11 490.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 338.93 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 351.44 490.10 Td (third ) Tj ET Q q 0 0 0 rg BT 372.83 490.10 Td (party ) Tj ET Q q 0 0 0 rg BT 395.88 490.10 Td (providers, ) Tj ET Q q 0 0 0 rg BT 438.66 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 458.94 490.10 Td (LBS ) Tj ET Q q 0 0 0 rg BT 479.79 490.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 530.06 490.10 Td (no ) Tj ET Q q 0 0 0 rg BT 542.57 490.10 Td (legal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 93.13 478.10 Td (under ) Tj ET Q q 0 0 0 rg BT 118.47 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 133.27 478.10 Td (contract ) Tj ET Q q 0 0 0 rg BT 168.05 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.40 478.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 213.19 478.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 255.75 478.10 Td (services. ) Tj ET Q q 0 0 0 rg BT 295.54 478.10 Td (Revenues ) Tj ET Q q 0 0 0 rg BT 336.99 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 351.78 478.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 389.33 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 404.12 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.03 478.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 433.72 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 444.62 478.10 Td (sales, ) Tj ET Q q 0 0 0 rg BT 469.14 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 480.05 478.10 Td (LBS ) Tj ET Q q 0 0 0 rg BT 500.96 478.10 Td (is ) Tj ET Q q 0 0 0 rg BT 510.21 478.10 Td (viewed ) Tj ET Q q 0 0 0 rg BT 541.67 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 552.57 478.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (agent ) Tj ET Q q 0 0 0 rg BT 73.82 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 98.28 466.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 119.74 466.10 Td (T) Tj ET Q q 0 0 0 rg BT 125.15 466.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 144.53 466.10 Td (605, ) Tj ET Q q 0 0 0 rg BT 164.20 466.10 Td (accepting ) Tj ET Q q 0 0 0 rg BT 204.67 466.10 Td (minimal ) Tj ET Q q 0 0 0 rg BT 240.17 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 265.10 466.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 284.76 466.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 334.70 466.10 Td (no ) Tj ET Q q 0 0 0 rg BT 346.86 466.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 389.58 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 399.52 466.10 Td (perform ) Tj ET Q q 0 0 0 rg BT 433.90 466.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 486.59 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 511.52 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.91 466.10 Td (contracts ) 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 (having ) Tj ET Q q 0 0 0 rg BT 96.66 454.10 Td (no ) Tj ET Q q 0 0 0 rg BT 109.16 454.10 Td (control ) Tj ET Q q 0 0 0 rg BT 139.98 454.10 Td (over ) Tj ET Q q 0 0 0 rg BT 160.25 454.10 Td (selection ) Tj ET Q q 0 0 0 rg BT 198.29 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.12 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 223.84 454.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 276.87 454.10 Td (supplier) Tj ET Q q 0 0 0 rg BT 308.53 454.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td () 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 50 428.7669921875 m 191.4462890625 428.7669921875 l s q 0 0 0 rg BT 50.00 430.10 Td (Asset ) Tj ET Q q 0 0 0 rg BT 74.67 430.10 Td (management ) Tj ET Q q 0 0 0 rg BT 128.22 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.11 430.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 165.34 430.10 Td (assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.45 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.36 430.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 221.92 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.71 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 247.38 430.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 269.27 430.10 Td (management ) Tj ET Q q 0 0 0 rg BT 322.81 430.10 Td (and ) Tj ET Q q 0 0 0 rg BT 339.70 430.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 359.93 430.10 Td (department, ) Tj ET Q q 0 0 0 rg BT 409.86 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 432.86 430.10 Td (than ) Tj ET Q q 0 0 0 rg BT 452.53 430.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 472.76 430.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 492.98 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 505.44 430.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 536.78 430.10 Td (at ) Tj ET Q q 0 0 0 rg BT 546.45 430.10 Td (MB ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 89.71 418.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 115.82 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 130.53 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 145.81 418.10 Td (included ) Tj ET Q q 0 0 0 rg BT 182.74 418.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.02 418.10 Td (these ) Tj ET Q q 0 0 0 rg BT 216.06 418.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 269.11 418.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 306.59 418.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 351.30 418.10 Td (because ) Tj ET Q q 0 0 0 rg BT 385.44 418.10 Td (they ) Tj ET Q q 0 0 0 rg BT 405.16 418.10 Td (are ) Tj ET Q q 0 0 0 rg BT 419.87 418.10 Td (not ) Tj ET Q q 0 0 0 rg BT 435.15 418.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 460.98 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.81 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.52 418.10 Td (bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td () 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 50 392.7669921875 m 160.3359375 392.7669921875 l s q 0 0 0 rg BT 50.00 394.10 Td (Stock-based ) Tj ET Q q 0 0 0 rg BT 102.02 394.10 Td (compensation:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.34 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.25 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 181.93 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 223.96 394.10 Td (accounts ) Tj ET Q q 0 0 0 rg BT 262.08 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 276.88 394.10 Td (its ) Tj ET Q q 0 0 0 rg BT 289.47 394.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 317.60 394.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 349.06 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 359.98 394.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 408.08 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 428.30 394.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 450.67 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 456.08 394.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 476.43 394.10 Td (718. ) Tj ET Q q 0 0 0 rg BT 498.88 394.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 521.24 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 526.65 394.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 547.01 394.10 Td (718 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 85.21 382.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 130.98 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 141.76 382.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 183.63 382.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 242.18 382.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 277.39 382.10 Td (related ) Tj ET Q q 0 0 0 rg BT 307.59 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.38 382.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 346.38 382.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 377.70 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 388.48 382.10 Td (their ) Tj ET Q q 0 0 0 rg BT 409.81 382.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 451.14 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 462.47 382.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 512.13 382.10 Td (See ) Tj ET Q q 0 0 0 rg BT 529.57 382.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 552.02 382.10 Td (19 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (below ) Tj ET Q q 0 0 0 rg BT 76.94 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 91.10 370.10 Td (more ) Tj ET Q q 0 0 0 rg BT 114.15 370.10 Td (information.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td () 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 50 344.7669921875 m 104.7314453125 344.7669921875 l s q 0 0 0 rg BT 50.00 346.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 81.41 346.10 Td (taxes:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.73 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 106.15 346.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 143.10 346.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 165.07 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 178.70 346.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 215.66 346.10 Td (on ) Tj ET Q q 0 0 0 rg BT 227.08 346.10 Td (a ) Tj ET Q q 0 0 0 rg BT 232.94 346.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 265.47 346.10 Td (method ) Tj ET Q q 0 0 0 rg BT 296.89 346.10 Td (whereby ) Tj ET Q q 0 0 0 rg BT 332.74 346.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 367.47 346.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 381.10 346.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 405.85 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 419.48 346.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 464.77 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 477.85 346.10 Td (deductible ) Tj ET Q q 0 0 0 rg BT 520.92 346.10 Td (temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 334.10 Td (ferences, ) Tj ET Q q 0 0 0 rg BT 99.82 334.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 140.67 334.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 159.32 334.10 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 218.49 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 236.01 334.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 251.32 334.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 277.17 334.10 Td (carryforwards, ) Tj ET Q q 0 0 0 rg BT 338.83 334.10 Td (while ) Tj ET Q q 0 0 0 rg BT 364.14 334.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 400.53 334.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 415.84 334.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 456.14 334.10 Td (are ) Tj ET Q q 0 0 0 rg BT 471.44 334.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 518.38 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 533.13 334.10 Td (taxable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 93.37 322.10 Td (dif) Tj ET Q q 0 0 0 rg BT 104.30 322.10 Td (ferences. ) Tj ET Q q 0 0 0 rg BT 144.71 322.10 Td (T) Tj ET Q q 0 0 0 rg BT 150.12 322.10 Td (emporary ) Tj ET Q q 0 0 0 rg BT 190.71 322.10 Td (dif) Tj ET Q q 0 0 0 rg BT 201.64 322.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 237.22 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 251.71 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 266.20 322.10 Td (dif) Tj ET Q q 0 0 0 rg BT 277.13 322.10 Td (ferences ) Tj ET Q q 0 0 0 rg BT 312.71 322.10 Td (between ) Tj ET Q q 0 0 0 rg BT 348.30 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.79 322.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 398.38 322.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 434.54 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 445.15 322.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 470.75 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 487.47 322.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 526.96 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.67 322.10 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.91 310.10 Td (bases. ) Tj ET Q q 0 0 0 rg BT 94.27 310.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 132.49 310.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 147.41 310.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 173.44 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 188.34 310.10 Td (reduced ) Tj ET Q q 0 0 0 rg BT 222.68 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 235.38 310.10 Td (a ) Tj ET Q q 0 0 0 rg BT 242.51 310.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 282.42 310.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 325.65 310.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 352.51 310.10 Td (in ) Tj ET Q q 0 0 0 rg BT 362.98 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.90 310.10 Td (opinion ) Tj ET Q q 0 0 0 rg BT 411.15 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 422.18 310.10 Td (management, ) Tj ET Q q 0 0 0 rg BT 478.46 310.10 Td (it ) Tj ET Q q 0 0 0 rg BT 486.72 310.10 Td (is ) Tj ET Q q 0 0 0 rg BT 496.08 310.10 Td (more ) Tj ET Q q 0 0 0 rg BT 519.33 310.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 544.80 310.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.39 298.10 Td (that ) Tj ET Q q 0 0 0 rg BT 82.99 298.10 Td (some ) Tj ET Q q 0 0 0 rg BT 106.70 298.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 138.20 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 149.14 298.10 Td (all ) Tj ET Q q 0 0 0 rg BT 161.74 298.10 Td (of ) Tj ET Q q 0 0 0 rg BT 172.68 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 187.50 298.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 223.41 298.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 238.24 298.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 264.17 298.10 Td (will ) Tj ET Q q 0 0 0 rg BT 282.34 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 297.72 298.10 Td (be ) Tj ET Q q 0 0 0 rg BT 309.77 298.10 Td (realized. ) Tj ET Q q 0 0 0 rg BT 349.02 298.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 387.15 298.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 401.98 298.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 427.92 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 444.96 298.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 484.79 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 499.60 298.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 535.53 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 549.80 298.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 286.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 78.96 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 89.79 286.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 124.50 286.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.78 286.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 149.50 286.10 Td (laws ) Tj ET Q q 0 0 0 rg BT 170.33 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 187.27 286.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 208.64 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.14 286.10 Td (the ) Tj ET Q q 0 0 0 rg BT 235.86 286.10 Td (date ) Tj ET Q q 0 0 0 rg BT 255.01 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 265.84 286.10 Td (enactment.) 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 50 260.7669921875 m 229.833984375 260.7669921875 l s q 0 0 0 rg BT 50.00 262.10 Td (Basic ) Tj ET Q q 0 0 0 rg BT 73.86 262.10 Td (and ) Tj ET Q q 0 0 0 rg BT 89.95 262.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 119.37 262.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 154.90 262.10 Td (per ) Tj ET Q q 0 0 0 rg BT 169.31 262.10 Td (common ) Tj ET Q q 0 0 0 rg BT 205.96 262.10 Td (share:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.83 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 231.48 262.10 Td (Earnings ) Tj ET Q q 0 0 0 rg BT 268.68 262.10 Td (per ) Tj ET Q q 0 0 0 rg BT 283.09 262.10 Td (common ) Tj ET Q q 0 0 0 rg BT 319.74 262.10 Td (share ) Tj ET Q q 0 0 0 rg BT 342.48 262.10 Td (is ) Tj ET Q q 0 0 0 rg BT 350.80 262.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 391.88 262.10 Td (using ) Tj ET Q q 0 0 0 rg BT 415.20 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 429.06 262.10 Td (two-class ) Tj ET Q q 0 0 0 rg BT 468.48 262.10 Td (method. ) Tj ET Q q 0 0 0 rg BT 502.62 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.27 262.10 Td (Basic ) Tj ET Q q 0 0 0 rg BT 528.14 262.10 Td (earnings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (per ) Tj ET Q q 0 0 0 rg BT 65.74 250.10 Td (common ) Tj ET Q q 0 0 0 rg BT 103.70 250.10 Td (share ) Tj ET Q q 0 0 0 rg BT 127.77 250.10 Td (is ) Tj ET Q q 0 0 0 rg BT 137.41 250.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 179.82 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 192.79 250.10 Td (dividing ) Tj ET Q q 0 0 0 rg BT 229.09 250.10 Td (net ) Tj ET Q q 0 0 0 rg BT 244.28 250.10 Td (income ) Tj ET Q q 0 0 0 rg BT 276.68 250.10 Td (available ) Tj ET Q q 0 0 0 rg BT 315.74 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 326.49 250.10 Td (common ) Tj ET Q q 0 0 0 rg BT 364.46 250.10 Td (stockholders ) Tj ET Q q 0 0 0 rg BT 417.97 250.10 Td (by ) Tj ET Q q 0 0 0 rg BT 430.94 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.13 250.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 520.17 250.10 Td (number ) Tj ET Q q 0 0 0 rg BT 553.69 250.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.47 238.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 114.93 238.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 164.07 238.10 Td (during ) Tj ET Q q 0 0 0 rg BT 192.65 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.34 238.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 250.90 238.10 Td (period, ) Tj ET Q q 0 0 0 rg BT 281.42 238.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 323.32 238.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 372.46 238.10 Td (participating ) Tj ET Q q 0 0 0 rg BT 425.47 238.10 Td (securities. ) Tj ET Q q 0 0 0 rg BT 468.20 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.68 238.10 Td (Participating ) Tj ET Q q 0 0 0 rg BT 524.25 238.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (include ) Tj ET Q q 0 0 0 rg BT 81.33 226.10 Td (non-vested ) Tj ET Q q 0 0 0 rg BT 127.10 226.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 166.20 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 189.20 226.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 219.41 226.10 Td (and ) Tj ET Q q 0 0 0 rg BT 235.75 226.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 274.84 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 297.85 226.10 Td (units, ) Tj ET Q q 0 0 0 rg BT 321.69 226.10 Td (though ) Tj ET Q q 0 0 0 rg BT 351.36 226.10 Td (no ) Tj ET Q q 0 0 0 rg BT 363.26 226.10 Td (actual ) Tj ET Q q 0 0 0 rg BT 389.02 226.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 415.91 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 426.13 226.10 Td (common ) Tj ET Q q 0 0 0 rg BT 463.02 226.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 486.03 226.10 Td (related ) Tj ET Q q 0 0 0 rg BT 515.12 226.10 Td (to ) Tj ET Q q 0 0 0 rg BT 524.79 226.10 Td (restricted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 73.52 214.10 Td (units ) Tj ET Q q 0 0 0 rg BT 95.37 214.10 Td (are ) Tj ET Q q 0 0 0 rg BT 109.99 214.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 137.40 214.10 Td (until ) Tj ET Q q 0 0 0 rg BT 158.14 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 172.77 214.10 Td (settlement ) Tj ET Q q 0 0 0 rg BT 216.27 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 227.01 214.10 Td (such ) Tj ET Q q 0 0 0 rg BT 247.75 214.10 Td (units, ) Tj ET Q q 0 0 0 rg BT 272.11 214.10 Td (to ) Tj ET Q q 0 0 0 rg BT 282.30 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 296.92 214.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 323.76 214.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 355.61 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 366.35 214.10 Td (these ) Tj ET Q q 0 0 0 rg BT 389.31 214.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 429.48 214.10 Td (receive ) Tj ET Q q 0 0 0 rg BT 460.75 214.10 Td (non-forfeitable ) Tj ET Q q 0 0 0 rg BT 523.13 214.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 61.69 202.10 Td (dividend ) Tj ET Q q 0 0 0 rg BT 100.05 202.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 148.96 202.10 Td (at ) Tj ET Q q 0 0 0 rg BT 159.54 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.12 202.10 Td (same ) Tj ET Q q 0 0 0 rg BT 199.03 202.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 217.38 202.10 Td (as ) Tj ET Q q 0 0 0 rg BT 229.07 202.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 261.87 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 273.56 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.14 202.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 337.09 202.10 Td (common ) Tj ET Q q 0 0 0 rg BT 375.45 202.10 Td (stock. ) Tj ET Q q 0 0 0 rg BT 402.42 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 405.78 202.10 Td (Diluted ) Tj ET Q q 0 0 0 rg BT 439.14 202.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 476.38 202.10 Td (per ) Tj ET Q q 0 0 0 rg BT 492.51 202.10 Td (common ) Tj ET Q q 0 0 0 rg BT 530.87 202.10 Td (share ) Tj ET Q q 0 0 0 rg BT 555.33 202.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (computed ) Tj ET Q q 0 0 0 rg BT 92.24 190.10 Td (using ) Tj ET Q q 0 0 0 rg BT 116.72 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.75 190.10 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 205.63 190.10 Td (number ) Tj ET Q q 0 0 0 rg BT 238.98 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 250.12 190.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 277.92 190.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 325.71 190.10 Td (for ) Tj ET Q q 0 0 0 rg BT 340.18 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 355.21 190.10 Td (basic ) Tj ET Q q 0 0 0 rg BT 378.56 190.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 415.25 190.10 Td (per ) Tj ET Q q 0 0 0 rg BT 430.82 190.10 Td (common ) Tj ET Q q 0 0 0 rg BT 468.63 190.10 Td (share ) Tj ET Q q 0 0 0 rg BT 492.54 190.10 Td (computation ) Tj ET Q q 0 0 0 rg BT 545.34 190.10 Td (plus ) 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 64.72 178.10 Td (dilutive ) Tj ET Q q 0 0 0 rg BT 97.77 178.10 Td (ef) Tj ET Q q 0 0 0 rg BT 105.36 178.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 122.84 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.67 178.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 157.28 178.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 215.32 178.10 Td (using ) Tj ET Q q 0 0 0 rg BT 239.49 178.10 Td (the ) Tj ET Q q 0 0 0 rg BT 254.21 178.10 Td (treasury ) Tj ET Q q 0 0 0 rg BT 288.92 178.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 312.52 178.10 Td (method.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td () Tj ET Q endstream endobj 171 0 obj <> endobj 172 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (85) Tj ET Q 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 68.63 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 110.60 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 133.11 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 168.96 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 176.48 742.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 234.54 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.95 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.25 742.10 Td (number ) Tj ET Q q 0 0 0 rg BT 294.87 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 306.28 742.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 334.36 742.10 Td (used ) Tj ET Q q 0 0 0 rg BT 355.77 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 366.63 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 381.92 742.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 428.87 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 440.28 742.10 Td (basic ) Tj ET Q q 0 0 0 rg BT 463.91 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.43 742.10 Td (diluted ) Tj ET Q q 0 0 0 rg BT 512.29 742.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 549.24 742.10 Td (per ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 87.50 730.10 Td (share ) Tj ET Q q 0 0 0 rg BT 111.09 730.10 Td (\(amounts ) Tj ET Q q 0 0 0 rg BT 150.81 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 161.09 730.10 Td (thousands, ) Tj ET Q q 0 0 0 rg BT 206.09 730.10 Td (except ) Tj ET Q q 0 0 0 rg BT 234.68 730.10 Td (common ) Tj ET Q q 0 0 0 rg BT 272.18 730.10 Td (share ) Tj ET Q q 0 0 0 rg BT 295.78 730.10 Td (data\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 671.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 671.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 671.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 643.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 643.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 643.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 643.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 615.60 302.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 615.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 615.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 615.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 615.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 615.60 4.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 615.60 66.00 -23.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 578.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 578.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 578.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 578.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 578.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 578.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 578.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 541.60 302.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 541.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 541.60 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 541.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 541.60 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 541.60 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 541.60 66.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 503.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 503.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 503.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 503.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 503.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 503.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 503.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 475.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 475.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 475.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 475.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 475.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 475.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 475.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 447.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 447.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 447.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 447.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 447.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 447.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 447.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 408.60 302.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 408.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 408.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 408.60 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 356.5 683.6 m 422.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 683.6 m 426.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 683.6 m 492.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 683.6 m 496.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 683.6 m 562.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 683.6 m 422.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 671.6 m 422.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 683.6 m 492.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 671.6 m 492.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 683.6 m 562.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 671.6 m 422.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 671.6 m 492.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 643.6 m 422.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 643.6 m 492.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 643.6 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 426.5 643.6 m 492.5 643.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 643.6 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 356.5 615.6 m 422.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 615.6 m 492.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 615.6 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 426.5 615.6 m 492.5 615.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 615.6 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 356.5 564.6 m 422.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 564.6 m 492.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 564.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 564.6 m 422.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 542.6 m 422.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 540.6 m 422.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 564.6 m 492.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 542.6 m 492.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 540.6 m 492.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 564.6 m 562.5 564.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 542.6 m 562.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 540.6 m 562.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 540.6 m 422.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 542.6 m 422.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 540.6 m 492.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 542.6 m 492.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 540.6 m 562.5 540.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 542.6 m 562.5 542.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 461.6 m 422.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 461.6 m 492.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 461.6 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 356.5 447.6 m 422.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 461.6 m 492.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 447.6 m 492.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 461.6 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 496.5 447.6 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 356.5 434.6 m 422.5 434.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 432.6 m 422.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 447.6 m 492.5 447.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 434.6 m 492.5 434.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 432.6 m 492.5 432.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 447.6 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 496.5 434.6 m 562.5 434.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 432.6 m 562.5 432.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 434.60 697.05 Td (Y) Tj ET Q q 0 0 0 rg BT 440.10 697.05 Td (earsEnded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 432.80 688.05 Td (December) Tj ET Q q 0 0 0 rg BT 471.61 688.05 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 675.00 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 380.00 675.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.00 675.00 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.00 675.00 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 662.06 Td (Distributed earnings allocated to common stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 662.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 394.25 662.06 Td (59,047) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 662.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.25 662.06 Td (48,813) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 662.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 662.06 Td (34,422) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 648.06 Td (Undistributed earnings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 648.06 Td (115,089) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 648.06 Td (110,135) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 648.06 Td (51,679) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 634.06 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 634.06 Td (174,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 634.06 Td (158,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 634.06 Td (86,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 620.06 Td (Less: preferred stock dividends) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 620.06 Td (8,009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.75 620.06 Td (8,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 620.06 Td (4,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 606.06 Td (Net income available to common stockholders for basic earnings per common) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 597.06 Td (share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 597.06 Td (166,127) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 597.06 Td (150,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 597.06 Td (82,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 583.06 Td (Plus: preferred stock dividends on convertible preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 583.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 583.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 583.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 569.06 Td (Less: earnings and dividends allocated to participating securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 414.50 569.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 484.50 569.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 569.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 555.06 Td (Earnings allocated to common stockholders for diluted earnings per common) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 546.06 Td (share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 546.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 546.06 Td (166,129) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 546.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 546.06 Td (150,940) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 546.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 546.06 Td (82,099) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 522.06 Td (Weighted average shares outstanding for basic earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.50 522.06 Td (76,968,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 522.06 Td (74,177,574) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 522.06 Td (62,012,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 508.06 Td (Dilutive effect of:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 494.06 Td ( Stock options) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 494.06 Td (435,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 494.06 Td (300,552) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 494.06 Td (247,436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 480.06 Td ( Restricted shares and units) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 389.75 480.06 Td (564,418) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 480.06 Td (370,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 480.06 Td (313,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 466.06 Td ( Convertible preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 398.75 466.06 Td (6,904) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 480.00 466.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 466.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 452.06 Td ( Total dilutive effect of equity awards and convertible preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 383.00 452.06 Td (1,007,298) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.75 452.06 Td (671,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 452.06 Td (561,210) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 438.06 Td (Weighted average shares outstanding for diluted earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 378.50 438.06 Td (77,976,121) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 448.50 438.06 Td (74,849,030) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 438.06 Td (62,573,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 413.06 Td (Basic earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 413.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.25 413.06 Td (2.16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.00 413.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.25 413.06 Td (2.03) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 499.00 413.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 413.06 Td (1.32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 399.06 Td (Diluted earnings per common share) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 403.25 399.06 Td (2.13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.25 399.06 Td (2.02) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 543.25 399.06 Td (1.31) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 383.10 Td () 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 50 369.7669921875 m 147.27783203125 369.7669921875 l s q 0 0 0 rg BT 50.00 371.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 115.07 371.10 Td (income:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.28 371.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.58 371.10 Td (Comprehensive ) Tj ET Q q 0 0 0 rg BT 214.65 371.10 Td (income ) Tj ET Q q 0 0 0 rg BT 246.38 371.10 Td (consists ) Tj ET Q q 0 0 0 rg BT 280.35 371.10 Td (of ) Tj ET Q q 0 0 0 rg BT 290.99 371.10 Td (net ) Tj ET Q q 0 0 0 rg BT 305.51 371.10 Td (income ) Tj ET Q q 0 0 0 rg BT 337.24 371.10 Td (and ) Tj ET Q q 0 0 0 rg BT 353.98 371.10 Td (other ) Tj ET Q q 0 0 0 rg BT 376.83 371.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 439.67 371.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 476.40 371.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 501.47 371.10 Td (comprehensive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 359.10 Td (income ) Tj ET Q q 0 0 0 rg BT 81.42 359.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 116.73 359.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 160.36 359.10 Td (gains ) Tj ET Q q 0 0 0 rg BT 183.46 359.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.88 359.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 225.76 359.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.75 359.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 277.50 359.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 328.38 359.10 Td (-sale, ) Tj ET Q q 0 0 0 rg BT 351.74 359.10 Td (net ) Tj ET Q q 0 0 0 rg BT 365.95 359.10 Td (of ) Tj ET Q q 0 0 0 rg BT 376.26 359.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 411.56 359.10 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 436.59 359.10 Td (which ) Tj ET Q q 0 0 0 rg BT 463.02 359.10 Td (are ) Tj ET Q q 0 0 0 rg BT 477.21 359.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 512.51 359.10 Td (as ) Tj ET Q q 0 0 0 rg BT 522.83 359.10 Td (a ) Tj ET Q q 0 0 0 rg BT 529.26 359.10 Td (separate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 347.10 Td (component ) Tj ET Q q 0 0 0 rg BT 96.93 347.10 Td (of ) Tj ET Q q 0 0 0 rg BT 107.76 347.10 Td (stockholders) Tj ET Q q 0 0 0 rg BT 160.90 347.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.40 347.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 190.89 347.10 Td (on ) Tj ET Q q 0 0 0 rg BT 203.39 347.10 Td (the ) Tj ET Q q 0 0 0 rg BT 218.11 347.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 271.15 347.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 304.18 347.10 Td (sheet.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 335.10 Td () 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 50 321.7669921875 m 130.111328125 321.7669921875 l s q 0 0 0 rg BT 50.00 323.10 Td (Segment ) Tj ET Q q 0 0 0 rg BT 87.34 323.10 Td (Reporting:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.11 323.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.45 323.10 Td ( ) Tj ET Q q 0 0 0 rg BT 134.80 323.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.62 323.10 Td (An ) Tj ET Q q 0 0 0 rg BT 151.19 323.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 191.29 323.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 226.96 323.10 Td (is ) Tj ET Q q 0 0 0 rg BT 235.97 323.10 Td (a ) Tj ET Q q 0 0 0 rg BT 242.76 323.10 Td (component ) Tj ET Q q 0 0 0 rg BT 289.53 323.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.20 323.10 Td (an ) Tj ET Q q 0 0 0 rg BT 311.99 323.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 337.10 323.10 Td (that: ) Tj ET Q q 0 0 0 rg BT 357.22 323.10 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 369.00 323.10 Td (engages ) Tj ET Q q 0 0 0 rg BT 403.55 323.10 Td (in ) Tj ET Q q 0 0 0 rg BT 413.67 323.10 Td (business ) Tj ET Q q 0 0 0 rg BT 449.90 323.10 Td (activities ) Tj ET Q q 0 0 0 rg BT 488.35 323.10 Td (from ) Tj ET Q q 0 0 0 rg BT 510.13 323.10 Td (which ) Tj ET Q q 0 0 0 rg BT 536.91 323.10 Td (it ) Tj ET Q q 0 0 0 rg BT 544.81 323.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 311.10 Td (earn ) Tj ET Q q 0 0 0 rg BT 70.17 311.10 Td (revenues ) Tj ET Q q 0 0 0 rg BT 108.67 311.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.07 311.10 Td (incur ) Tj ET Q q 0 0 0 rg BT 149.58 311.10 Td (expenses; ) Tj ET Q q 0 0 0 rg BT 191.41 311.10 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 206.59 311.10 Td (has ) Tj ET Q q 0 0 0 rg BT 222.88 311.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 263.61 311.10 Td (results ) Tj ET Q q 0 0 0 rg BT 292.68 311.10 Td (that ) Tj ET Q q 0 0 0 rg BT 310.63 311.10 Td (are ) Tj ET Q q 0 0 0 rg BT 325.80 311.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 365.41 311.10 Td (regularly ) Tj ET Q q 0 0 0 rg BT 404.47 311.10 Td (by ) Tj ET Q q 0 0 0 rg BT 417.43 311.10 Td (the ) Tj ET Q q 0 0 0 rg BT 432.60 311.10 Td (entity) Tj ET Q q 0 0 0 rg BT 458.16 311.10 Td (s ) Tj ET Q q 0 0 0 rg BT 465.01 311.10 Td (chief ) Tj ET Q q 0 0 0 rg BT 487.96 311.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 528.68 311.10 Td (decision ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 299.10 Td (maker ) Tj ET Q q 0 0 0 rg BT 77.15 299.10 Td (to ) Tj ET Q q 0 0 0 rg BT 87.09 299.10 Td (make ) Tj ET Q q 0 0 0 rg BT 110.92 299.10 Td (decisions ) Tj ET Q q 0 0 0 rg BT 150.30 299.10 Td (about ) Tj ET Q q 0 0 0 rg BT 174.68 299.10 Td (resources ) Tj ET Q q 0 0 0 rg BT 214.60 299.10 Td (to ) Tj ET Q q 0 0 0 rg BT 224.55 299.10 Td (be ) Tj ET Q q 0 0 0 rg BT 236.15 299.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 274.41 299.10 Td (to ) Tj ET Q q 0 0 0 rg BT 284.35 299.10 Td (the ) Tj ET Q q 0 0 0 rg BT 298.73 299.10 Td (segment ) Tj ET Q q 0 0 0 rg BT 334.22 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 350.83 299.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 377.44 299.10 Td (its ) Tj ET Q q 0 0 0 rg BT 389.05 299.10 Td (performance; ) Tj ET Q q 0 0 0 rg BT 444.52 299.10 Td (and ) Tj ET Q q 0 0 0 rg BT 461.12 299.10 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 478.28 299.10 Td (has ) Tj ET Q q 0 0 0 rg BT 493.78 299.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 527.04 299.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 287.10 Td (information ) Tj ET Q q 0 0 0 rg BT 100.18 287.10 Td (available. ) Tj ET Q q 0 0 0 rg BT 141.74 287.10 Td ( ) Tj ET Q q 0 0 0 rg BT 144.06 287.10 Td (As ) Tj ET Q q 0 0 0 rg BT 158.14 287.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.44 287.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 228.50 287.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 248.50 287.10 Td (, ) Tj ET Q q 0 0 0 rg BT 253.97 287.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.16 287.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 311.02 287.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.43 287.10 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.41 287.10 Td ( ) Tj ET Q q 0 0 0 rg BT 351.38 287.10 Td (reportable ) Tj ET Q q 0 0 0 rg BT 394.89 287.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 435.62 287.10 Td (segments: ) Tj ET Q q 0 0 0 rg BT 478.59 287.10 Td (banking, ) Tj ET Q q 0 0 0 rg BT 516.28 287.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 547.57 287.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 275.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.26 275.10 Td (banking. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 263.10 Td () 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 50 249.76699218750002 m 209.6630859375 249.76699218750002 l s q 0 0 0 rg BT 50.00 251.10 Td (New authoritative accounting guidance:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.66 251.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 239.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.57 239.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.21 239.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 95.22 239.10 Td (810 ) Tj ET Q q 0 0 0 rg BT 113.01 239.10 Td ("Consolidation." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.37 239.10 Td (New ) Tj ET Q q 0 0 0 rg BT 205.05 239.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 258.37 239.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 305.04 239.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 343.92 239.10 Td (under ) Tj ET Q q 0 0 0 rg BT 368.86 239.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 390.91 239.10 Td (T) Tj ET Q q 0 0 0 rg BT 396.32 239.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 416.32 239.10 Td (810, ) Tj ET Q q 0 0 0 rg BT 436.61 239.10 Td ("Consolidation" ) Tj ET Q q 0 0 0 rg BT 503.68 239.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 542.57 239.10 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 227.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 87.72 227.10 Td (over ) Tj ET Q q 0 0 0 rg BT 107.11 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.95 227.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 176.46 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.42 227.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 215.24 227.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 236.30 227.10 Td (entities. ) Tj ET Q q 0 0 0 rg BT 269.31 227.10 Td ( ) Tj ET Q q 0 0 0 rg BT 270.82 227.10 Td (The ) Tj ET Q q 0 0 0 rg BT 287.99 227.10 Td (new ) Tj ET Q q 0 0 0 rg BT 306.27 227.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 358.44 227.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 396.15 227.10 Td (modifies ) Tj ET Q q 0 0 0 rg BT 432.77 227.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.62 227.10 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 489.89 227.10 Td (of ) Tj ET Q q 0 0 0 rg BT 499.85 227.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 533.68 227.10 Td (limited ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 215.10 Td (partnerships ) Tj ET Q q 0 0 0 rg BT 101.96 215.10 Td (and ) Tj ET Q q 0 0 0 rg BT 119.49 215.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 150.34 215.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 172.86 215.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 204.83 215.10 Td (are ) Tj ET Q q 0 0 0 rg BT 220.12 215.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 255.41 215.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 287.93 215.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 319.89 215.10 Td (or ) Tj ET Q q 0 0 0 rg BT 331.31 215.10 Td (voting ) Tj ET Q q 0 0 0 rg BT 359.95 215.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 392.47 215.10 Td (entities, ) Tj ET Q q 0 0 0 rg BT 426.94 215.10 Td (eliminates ) Tj ET Q q 0 0 0 rg BT 471.12 215.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.42 215.10 Td (presumption ) Tj ET Q q 0 0 0 rg BT 539.50 215.10 Td (that ) Tj ET Q q 0 0 0 rg BT 557.58 215.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 203.10 Td (general ) Tj ET Q q 0 0 0 rg BT 81.98 203.10 Td (partner ) Tj ET Q q 0 0 0 rg BT 112.86 203.10 Td (should ) Tj ET Q q 0 0 0 rg BT 142.09 203.10 Td (consolidate ) Tj ET Q q 0 0 0 rg BT 190.19 203.10 Td (a ) Tj ET Q q 0 0 0 rg BT 197.19 203.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 228.08 203.10 Td (partnership, ) Tj ET Q q 0 0 0 rg BT 278.13 203.10 Td (af) Tj ET Q q 0 0 0 rg BT 285.71 203.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 307.15 203.10 Td (the ) Tj ET Q q 0 0 0 rg BT 321.93 203.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 378.37 203.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 413.15 203.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.04 203.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 463.25 203.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 494.69 203.10 Td (that ) Tj ET Q q 0 0 0 rg BT 512.25 203.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.02 203.10 Td (involved ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 191.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.32 191.10 Td (variable ) Tj ET Q q 0 0 0 rg BT 105.07 191.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 137.05 191.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 168.48 191.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.46 191.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 222.45 191.10 Td (a ) Tj ET Q q 0 0 0 rg BT 229.43 191.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 254.74 191.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 296.16 191.10 Td (from ) Tj ET Q q 0 0 0 rg BT 318.14 191.10 Td (consolidation ) Tj ET Q q 0 0 0 rg BT 374.57 191.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 413.21 191.10 Td (for ) Tj ET Q q 0 0 0 rg BT 427.42 191.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 466.62 191.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 498.04 191.10 Td (with ) Tj ET Q q 0 0 0 rg BT 518.37 191.10 Td (interests ) Tj ET Q q 0 0 0 rg BT 554.24 191.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 179.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 72.18 179.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 103.81 179.10 Td (that ) Tj ET Q q 0 0 0 rg BT 121.55 179.10 Td (are ) Tj ET Q q 0 0 0 rg BT 136.50 179.10 Td (required ) Tj ET Q q 0 0 0 rg BT 172.57 179.10 Td (to ) Tj ET Q q 0 0 0 rg BT 183.09 179.10 Td (comply ) Tj ET Q q 0 0 0 rg BT 215.83 179.10 Td (with ) Tj ET Q q 0 0 0 rg BT 236.36 179.10 Td (or ) Tj ET Q q 0 0 0 rg BT 247.43 179.10 Td (operate ) Tj ET Q q 0 0 0 rg BT 279.60 179.10 Td (in ) Tj ET Q q 0 0 0 rg BT 290.13 179.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 337.84 179.10 Td (with ) Tj ET Q q 0 0 0 rg BT 358.36 179.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 413.31 179.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 443.83 179.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.36 179.10 Td (those ) Tj ET Q q 0 0 0 rg BT 478.21 179.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.62 179.10 Td (registered ) Tj ET Q q 0 0 0 rg BT 534.79 179.10 Td (money ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 167.10 Td (market ) Tj ET Q q 0 0 0 rg BT 80.56 167.10 Td (funds. ) Tj ET Q q 0 0 0 rg BT 108.08 167.10 Td ( ) Tj ET Q q 0 0 0 rg BT 110.67 167.10 Td (The ) Tj ET Q q 0 0 0 rg BT 129.01 167.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 170.69 167.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 205.14 167.10 Td (this ) Tj ET Q q 0 0 0 rg BT 222.39 167.10 Td (new ) Tj ET Q q 0 0 0 rg BT 241.84 167.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 295.18 167.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 334.07 167.10 Td (on ) Tj ET Q q 0 0 0 rg BT 346.86 167.10 Td (January ) Tj ET Q q 0 0 0 rg BT 380.75 167.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 391.05 167.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 416.35 167.10 Td (and ) Tj ET Q q 0 0 0 rg BT 433.58 167.10 Td (it ) Tj ET Q q 0 0 0 rg BT 441.93 167.10 Td (did ) Tj ET Q q 0 0 0 rg BT 457.51 167.10 Td (not ) Tj ET Q q 0 0 0 rg BT 473.08 167.10 Td (have ) Tj ET Q q 0 0 0 rg BT 494.75 167.10 Td (an ) Tj ET Q q 0 0 0 rg BT 506.99 167.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 536.99 167.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.79 167.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 155.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.08 155.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 141.79 155.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.62 155.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 196.78 155.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.61 155.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 245.09 155.10 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 131.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.59 131.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.24 131.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 95.27 131.10 Td (835 ) Tj ET Q q 0 0 0 rg BT 113.08 131.10 Td ("Inter) Tj ET Q q 0 0 0 rg BT 136.35 131.10 Td (est." ) Tj ET Q q 0 0 0 rg BT 156.97 131.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.78 131.10 Td (New ) Tj ET Q q 0 0 0 rg BT 181.48 131.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 234.83 131.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 281.52 131.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 320.42 131.10 Td (under ) Tj ET Q q 0 0 0 rg BT 345.38 131.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 367.45 131.10 Td (T) Tj ET Q q 0 0 0 rg BT 372.86 131.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 392.89 131.10 Td (835, ) Tj ET Q q 0 0 0 rg BT 413.20 131.10 Td ("Interest" ) Tj ET Q q 0 0 0 rg BT 454.17 131.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 493.07 131.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 515.33 131.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 554.23 131.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.10 Td (simplify ) Tj ET Q q 0 0 0 rg BT 86.46 119.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.80 119.10 Td (presentation ) Tj ET Q q 0 0 0 rg BT 153.79 119.10 Td (of ) Tj ET Q q 0 0 0 rg BT 165.24 119.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 185.58 119.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 222.58 119.10 Td (costs. ) Tj ET Q q 0 0 0 rg BT 248.21 119.10 Td ( ) Tj ET Q q 0 0 0 rg BT 251.10 119.10 Td (The ) Tj ET Q q 0 0 0 rg BT 269.77 119.10 Td (new ) Tj ET Q q 0 0 0 rg BT 289.55 119.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 343.21 119.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 382.43 119.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 417.76 119.10 Td (that ) Tj ET Q q 0 0 0 rg BT 435.88 119.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 456.22 119.10 Td (issuance ) Tj ET Q q 0 0 0 rg BT 493.22 119.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 516.34 119.10 Td (related ) Tj ET Q q 0 0 0 rg BT 546.66 119.10 Td (to ) Tj ET Q q 0 0 0 rg BT 557.56 119.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.74 107.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 116.84 107.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 150.82 107.10 Td (be ) Tj ET Q q 0 0 0 rg BT 163.14 107.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 204.33 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.99 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.09 107.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 263.50 107.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 286.92 107.10 Td (as ) Tj ET Q q 0 0 0 rg BT 298.13 107.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.45 107.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 331.09 107.10 Td (deduction ) Tj ET Q q 0 0 0 rg BT 373.40 107.10 Td (from ) Tj ET Q q 0 0 0 rg BT 395.72 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.81 107.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 447.01 107.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 479.88 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 491.09 107.10 Td (that ) Tj ET Q q 0 0 0 rg BT 508.96 107.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 529.06 107.10 Td (liability) Tj ET Q q 0 0 0 rg BT 559.52 107.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 92.29 95.10 Td (with ) Tj ET Q q 0 0 0 rg BT 112.36 95.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 131.86 95.10 Td (discounts. ) Tj ET Q q 0 0 0 rg BT 174.43 95.10 Td ( ) Tj ET Q q 0 0 0 rg BT 176.56 95.10 Td (The ) Tj ET Q q 0 0 0 rg BT 194.40 95.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 235.58 95.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 269.52 95.10 Td (this ) Tj ET Q q 0 0 0 rg BT 286.26 95.10 Td (new ) Tj ET Q q 0 0 0 rg BT 305.21 95.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 358.04 95.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 396.43 95.10 Td (on ) Tj ET Q q 0 0 0 rg BT 408.72 95.10 Td (January ) Tj ET Q q 0 0 0 rg BT 442.11 95.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 451.90 95.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 476.69 95.10 Td (and ) Tj ET Q q 0 0 0 rg BT 493.42 95.10 Td (it ) Tj ET Q q 0 0 0 rg BT 501.27 95.10 Td (did ) Tj ET Q q 0 0 0 rg BT 516.34 95.10 Td (not ) Tj ET Q q 0 0 0 rg BT 531.41 95.10 Td (have ) Tj ET Q q 0 0 0 rg BT 552.58 95.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 83.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 79.71 83.10 Td (on ) Tj ET Q q 0 0 0 rg BT 92.21 83.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.93 83.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 154.01 83.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 198.72 83.10 Td (of ) Tj ET Q q 0 0 0 rg BT 209.55 83.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 253.71 83.10 Td (or ) Tj ET Q q 0 0 0 rg BT 264.54 83.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 302.02 83.10 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 59.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 69.39 59.10 Td (T) Tj ET Q q 0 0 0 rg BT 74.04 59.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 92.87 59.10 Td (805 ) Tj ET Q q 0 0 0 rg BT 109.49 59.10 Td ("Business ) Tj ET Q q 0 0 0 rg BT 150.30 59.10 Td (Combinations." ) Tj ET Q q 0 0 0 rg BT 214.74 59.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.35 59.10 Td (New ) Tj ET Q q 0 0 0 rg BT 236.85 59.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 289.00 59.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 334.49 59.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 372.20 59.10 Td (under ) Tj ET Q q 0 0 0 rg BT 396.23 59.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 417.18 59.10 Td (T) Tj ET Q q 0 0 0 rg BT 422.59 59.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 441.43 59.10 Td (805, ) Tj ET Q q 0 0 0 rg BT 460.54 59.10 Td ("Business ) Tj ET Q q 0 0 0 rg BT 501.80 59.10 Td (Combinations" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 47.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 89.03 47.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 111.41 47.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 150.44 47.10 Td (to ) Tj ET Q q 0 0 0 rg BT 161.16 47.10 Td (require ) Tj ET Q q 0 0 0 rg BT 192.41 47.10 Td (that ) Tj ET Q q 0 0 0 rg BT 210.35 47.10 Td (an ) Tj ET Q q 0 0 0 rg BT 222.72 47.10 Td (acquirer ) Tj ET Q q 0 0 0 rg BT 258.42 47.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 300.22 47.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 350.93 47.10 Td (to ) Tj ET Q q 0 0 0 rg BT 361.64 47.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 409.58 47.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 446.40 47.10 Td (that ) Tj ET Q q 0 0 0 rg BT 464.34 47.10 Td (are ) Tj ET Q q 0 0 0 rg BT 479.48 47.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 520.74 47.10 Td (during ) Tj ET Q q 0 0 0 rg BT 549.79 47.10 Td (the ) Tj ET Q endstream endobj 173 0 obj <> endobj 174 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (86) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 105.49 742.10 Td (period ) Tj ET Q q 0 0 0 rg BT 133.23 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 143.19 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.59 742.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 196.43 742.10 Td (period ) Tj ET Q q 0 0 0 rg BT 224.16 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 234.12 742.10 Td (which ) Tj ET Q q 0 0 0 rg BT 260.74 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.15 742.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 321.21 742.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 357.28 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 371.67 742.10 Td (determined. ) Tj ET Q q 0 0 0 rg BT 421.34 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.36 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 441.09 742.10 Td (new ) Tj ET Q q 0 0 0 rg BT 459.94 742.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 498.22 742.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 532.61 742.10 Td (that ) 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 (acquirer ) Tj ET Q q 0 0 0 rg BT 84.86 730.10 Td (record, ) Tj ET Q q 0 0 0 rg BT 115.01 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 124.89 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.22 730.10 Td (same ) Tj ET Q q 0 0 0 rg BT 161.88 730.10 Td (period) Tj ET Q q 0 0 0 rg BT 190.20 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 196.20 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 233.29 730.10 Td (statements, ) Tj ET Q q 0 0 0 rg BT 280.11 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.43 730.10 Td (ef) Tj ET Q q 0 0 0 rg BT 302.02 730.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 319.12 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 331.22 730.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 367.21 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.65 730.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 411.96 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.85 730.10 Td (depreciation, ) Tj ET Q q 0 0 0 rg BT 475.88 730.10 Td (amortization, ) Tj ET Q q 0 0 0 rg BT 531.02 730.10 Td (or ) Tj ET Q q 0 0 0 rg BT 541.46 730.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (income ) Tj ET Q q 0 0 0 rg BT 81.83 718.10 Td (ef) Tj ET Q q 0 0 0 rg BT 89.42 718.10 Td (fects, ) Tj ET Q q 0 0 0 rg BT 113.19 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 121.70 718.10 Td (any) Tj ET Q q 0 0 0 rg BT 135.49 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 140.39 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.11 718.10 Td (a ) Tj ET Q q 0 0 0 rg BT 157.95 718.10 Td (result ) Tj ET Q q 0 0 0 rg BT 182.56 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 193.29 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.91 718.10 Td (change ) Tj ET Q q 0 0 0 rg BT 238.62 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.79 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 263.41 718.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 310.80 718.10 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 349.58 718.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 392.51 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 403.24 718.10 Td (if ) Tj ET Q q 0 0 0 rg BT 411.74 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.36 718.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 472.63 718.10 Td (had ) Tj ET Q q 0 0 0 rg BT 489.46 718.10 Td (been ) Tj ET Q q 0 0 0 rg BT 510.74 718.10 Td (completed ) Tj ET Q q 0 0 0 rg BT 554.79 718.10 Td (at ) 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 65.03 706.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 111.72 706.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 133.69 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 136.50 706.10 Td (It ) Tj ET Q q 0 0 0 rg BT 145.42 706.10 Td (also ) Tj ET Q q 0 0 0 rg BT 164.34 706.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 199.36 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 211.61 706.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 237.19 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.78 706.10 Td (present ) Tj ET Q q 0 0 0 rg BT 279.47 706.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 322.82 706.10 Td (on ) Tj ET Q q 0 0 0 rg BT 335.63 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 350.66 706.10 Td (face ) Tj ET Q q 0 0 0 rg BT 370.11 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 381.25 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.28 706.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 437.41 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 448.56 706.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 493.02 706.10 Td (or ) Tj ET Q q 0 0 0 rg BT 504.16 706.10 Td (disclose ) Tj ET Q q 0 0 0 rg BT 539.19 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.78 706.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 74.47 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.04 694.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 122.29 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.98 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.56 694.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 182.91 694.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 221.25 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.38 694.10 Td (current-period ) Tj ET Q q 0 0 0 rg BT 292.93 694.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 330.17 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 343.53 694.10 Td (line ) Tj ET Q q 0 0 0 rg BT 361.88 694.10 Td (items ) Tj ET Q q 0 0 0 rg BT 386.91 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 405.26 694.10 Td (would ) Tj ET Q q 0 0 0 rg BT 433.62 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 455.86 694.10 Td (been ) Tj ET Q q 0 0 0 rg BT 478.10 694.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 516.43 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.57 694.10 Td (previous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 89.89 682.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 122.57 682.10 Td (if ) Tj ET Q q 0 0 0 rg BT 131.92 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.37 682.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 194.49 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 205.51 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 220.97 682.10 Td (provisional ) Tj ET Q q 0 0 0 rg BT 269.20 682.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 306.33 682.10 Td (had ) Tj ET Q q 0 0 0 rg BT 324.00 682.10 Td (been ) Tj ET Q q 0 0 0 rg BT 346.12 682.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 393.22 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 404.79 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.36 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 431.81 682.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 478.93 682.10 Td (date. ) Tj ET Q q 0 0 0 rg BT 501.33 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 504.33 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 682.10 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 83.15 670.10 Td (this ) Tj ET Q q 0 0 0 rg BT 99.10 670.10 Td (new ) Tj ET Q q 0 0 0 rg BT 117.25 670.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 169.29 670.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 206.88 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 218.37 670.10 Td (January ) Tj ET Q q 0 0 0 rg BT 250.97 670.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 259.97 670.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 283.96 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 299.90 670.10 Td (it ) Tj ET Q q 0 0 0 rg BT 306.95 670.10 Td (did ) Tj ET Q q 0 0 0 rg BT 321.23 670.10 Td (not ) Tj ET Q q 0 0 0 rg BT 335.50 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 355.87 670.10 Td (an ) Tj ET Q q 0 0 0 rg BT 366.81 670.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 395.52 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 407.01 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 420.73 670.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 466.80 670.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 510.51 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.34 670.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 658.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 98.31 658.10 Td (condition.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (New ) Tj ET Q q 0 0 0 rg BT 72.33 634.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 126.32 634.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 173.65 634.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 213.19 634.10 Td (under ) Tj ET Q q 0 0 0 rg BT 238.65 634.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 261.31 634.10 Td (T) Tj ET Q q 0 0 0 rg BT 266.72 634.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 287.39 634.10 Td (805 ) Tj ET Q q 0 0 0 rg BT 305.84 634.10 Td ("Business ) Tj ET Q q 0 0 0 rg BT 348.94 634.10 Td (Combinations" ) Tj ET Q q 0 0 0 rg BT 412.58 634.10 Td (amends ) Tj ET Q q 0 0 0 rg BT 446.58 634.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 469.47 634.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 509.02 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 520.25 634.10 Td (clarify ) 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 (definition ) Tj ET Q q 0 0 0 rg BT 91.90 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 103.25 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 110.71 622.10 Td (business ) Tj ET Q q 0 0 0 rg BT 147.62 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 168.42 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 183.65 622.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 223.32 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 234.67 622.10 Td (adding ) Tj ET Q q 0 0 0 rg BT 264.91 622.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 304.02 622.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.82 622.10 Td (assist ) Tj ET Q q 0 0 0 rg BT 339.50 622.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 371.41 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 392.20 622.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 436.87 622.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 472.10 622.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 522.88 622.10 Td (should ) Tj ET Q q 0 0 0 rg BT 552.57 622.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 92.67 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 106.46 610.10 Td (as ) Tj ET Q q 0 0 0 rg BT 116.92 610.10 Td (acquisitions ) Tj ET Q q 0 0 0 rg BT 166.83 610.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 180.63 610.10 Td (disposals\) ) Tj ET Q q 0 0 0 rg BT 222.76 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.22 610.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 258.69 610.10 Td (or ) Tj ET Q q 0 0 0 rg BT 269.15 610.10 Td (businesses. ) Tj ET Q q 0 0 0 rg BT 316.01 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 317.99 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 335.67 610.10 Td (new ) Tj ET Q q 0 0 0 rg BT 354.46 610.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 407.13 610.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 445.36 610.10 Td (will ) Tj ET Q q 0 0 0 rg BT 463.05 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 474.62 610.10 Td (ef) Tj ET Q q 0 0 0 rg BT 482.21 610.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 511.54 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 525.34 610.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 82.29 598.10 Td (after ) Tj ET Q q 0 0 0 rg BT 103.47 598.10 Td (January ) Tj ET Q q 0 0 0 rg BT 137.42 598.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 147.78 598.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 173.13 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 175.99 598.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.64 598.10 Td (This ) Tj ET Q q 0 0 0 rg BT 199.28 598.10 Td (new ) Tj ET Q q 0 0 0 rg BT 218.79 598.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 272.19 598.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 311.14 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 320.66 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 336.30 598.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 374.69 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 385.32 598.10 Td (have ) Tj ET Q q 0 0 0 rg BT 407.05 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 414.35 598.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 459.42 598.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 489.49 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 502.34 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 598.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 94.71 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.54 586.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 149.70 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 160.53 586.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 198.01 586.10 Td (condition. ) Tj ET Q BT /F3 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 69.12 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 73.77 562.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 92.33 562.10 Td (606 ) Tj ET Q q 0 0 0 rg BT 108.67 562.10 Td ("Revenue ) Tj ET Q q 0 0 0 rg BT 148.08 562.10 Td (fr) Tj ET Q q 0 0 0 rg BT 154.38 562.10 Td (om ) Tj ET Q q 0 0 0 rg BT 167.95 562.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 208.74 562.10 Td (with ) Tj ET Q q 0 0 0 rg BT 227.31 562.10 Td (Customers." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.14 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 279.48 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 280.83 562.10 Td (New ) Tj ET Q q 0 0 0 rg BT 301.06 562.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 352.94 562.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 398.16 562.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 435.60 562.10 Td (under ) Tj ET Q q 0 0 0 rg BT 459.41 562.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 480.11 562.10 Td (T) Tj ET Q q 0 0 0 rg BT 485.52 562.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 504.09 562.10 Td (606, ) Tj ET Q q 0 0 0 rg BT 522.93 562.10 Td ("Revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 71.06 550.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 111.01 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 130.42 550.10 Td (Customers" ) Tj ET Q q 0 0 0 rg BT 178.90 550.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 216.62 550.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 237.68 550.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 275.40 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 284.81 550.10 Td (require ) Tj ET Q q 0 0 0 rg BT 314.75 550.10 Td (an ) Tj ET Q q 0 0 0 rg BT 325.81 550.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 350.21 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.61 550.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 400.10 550.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 433.37 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 442.77 550.10 Td (depict ) Tj ET Q q 0 0 0 rg BT 468.83 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.67 550.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 514.84 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 524.79 550.10 Td (promised ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 76.35 538.10 Td (or ) Tj ET Q q 0 0 0 rg BT 87.14 538.10 Td (services ) Tj ET Q q 0 0 0 rg BT 121.80 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 132.04 538.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 175.04 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 185.28 538.10 Td (an ) Tj ET Q q 0 0 0 rg BT 197.17 538.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 229.63 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 247.08 538.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 278.96 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 293.63 538.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 349.96 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 360.20 538.10 Td (which ) Tj ET Q q 0 0 0 rg BT 387.10 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.77 538.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 427.00 538.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 459.44 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 469.68 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 481.58 538.10 Td (entitled ) Tj ET Q q 0 0 0 rg BT 514.02 538.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.26 538.10 Td (exchange ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (for ) Tj ET Q q 0 0 0 rg BT 65.10 526.10 Td (those ) Tj ET Q q 0 0 0 rg BT 89.65 526.10 Td (goods ) Tj ET Q q 0 0 0 rg BT 116.98 526.10 Td (or ) Tj ET Q q 0 0 0 rg BT 128.75 526.10 Td (services ) Tj ET Q q 0 0 0 rg BT 164.39 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 182.27 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 193.49 526.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 227.47 526.10 Td (clarification ) Tj ET Q q 0 0 0 rg BT 279.22 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 292.66 526.10 Td (identifying ) Tj ET Q q 0 0 0 rg BT 339.98 526.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 393.94 526.10 Td (obligations ) Tj ET Q q 0 0 0 rg BT 441.82 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 459.70 526.10 Td (licensing ) Tj ET Q q 0 0 0 rg BT 499.24 526.10 Td (implementation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (guidance. ) Tj ET Q q 0 0 0 rg BT 91.19 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 93.59 514.10 Td (The ) Tj ET Q q 0 0 0 rg BT 111.73 514.10 Td (new ) Tj ET Q q 0 0 0 rg BT 130.98 514.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 184.11 514.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 222.79 514.10 Td (was ) Tj ET Q q 0 0 0 rg BT 240.94 514.10 Td (initially ) Tj ET Q q 0 0 0 rg BT 274.64 514.10 Td (ef) Tj ET Q q 0 0 0 rg BT 282.23 514.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 312.02 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 326.27 514.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 365.52 514.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 397.55 514.10 Td (after ) Tj ET Q q 0 0 0 rg BT 418.46 514.10 Td (January ) Tj ET Q q 0 0 0 rg BT 452.15 514.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 462.24 514.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 484.83 514.10 Td (but ) Tj ET Q q 0 0 0 rg BT 500.20 514.10 Td (was ) Tj ET Q q 0 0 0 rg BT 518.34 514.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 554.24 514.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (January ) Tj ET Q q 0 0 0 rg BT 83.67 502.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 93.74 502.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 118.80 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 121.19 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 139.30 502.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 186.45 502.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 220.66 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 229.90 502.10 Td (comprised ) Tj ET Q q 0 0 0 rg BT 274.13 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 285.02 502.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 317.03 502.10 Td (income ) Tj ET Q q 0 0 0 rg BT 349.03 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.60 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 399.15 502.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 427.54 502.10 Td (which ) Tj ET Q q 0 0 0 rg BT 454.55 502.10 Td (is ) Tj ET Q q 0 0 0 rg BT 463.79 502.10 Td (excluded ) Tj ET Q q 0 0 0 rg BT 502.45 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 524.46 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.24 502.10 Td (scope ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.41 490.10 Td (this ) Tj ET Q q 0 0 0 rg BT 78.94 490.10 Td (new ) Tj ET Q q 0 0 0 rg BT 98.67 490.10 Td (guidance, ) Tj ET Q q 0 0 0 rg BT 140.35 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 157.86 490.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 208.71 490.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 243.50 490.10 Td (The ) Tj ET Q q 0 0 0 rg BT 262.12 490.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 304.09 490.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 337.15 490.10 Td (this ) Tj ET Q q 0 0 0 rg BT 354.68 490.10 Td (new ) Tj ET Q q 0 0 0 rg BT 374.42 490.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 413.59 490.10 Td (will ) Tj ET Q q 0 0 0 rg BT 432.22 490.10 Td (require ) Tj ET Q q 0 0 0 rg BT 463.62 490.10 Td (it ) Tj ET Q q 0 0 0 rg BT 472.25 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 483.11 490.10 Td (change ) Tj ET Q q 0 0 0 rg BT 514.50 490.10 Td (how ) Tj ET Q q 0 0 0 rg BT 534.80 490.10 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 89.74 478.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 124.49 478.10 Td (streams ) Tj ET Q q 0 0 0 rg BT 158.13 478.10 Td (are ) Tj ET Q q 0 0 0 rg BT 173.44 478.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 220.40 478.10 Td (within ) Tj ET Q q 0 0 0 rg BT 249.05 478.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 269.93 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.47 478.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 310.00 478.10 Td (management ) Tj ET Q q 0 0 0 rg BT 364.19 478.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 383.39 478.10 Td (but ) Tj ET Q q 0 0 0 rg BT 399.26 478.10 Td (does ) Tj ET Q q 0 0 0 rg BT 420.69 478.10 Td (not ) Tj ET Q q 0 0 0 rg BT 436.57 478.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 465.76 478.10 Td (these ) Tj ET Q q 0 0 0 rg BT 489.40 478.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 524.71 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.59 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 557.56 478.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 95.07 466.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 125.15 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 138.01 466.10 Td (its ) Tj ET Q q 0 0 0 rg BT 150.32 466.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 195.39 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 206.58 466.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 251.10 466.10 Td (or ) Tj ET Q q 0 0 0 rg BT 262.29 466.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 300.13 466.10 Td (condition. ) Tj ET Q q 0 0 0 rg BT 343.06 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 361.47 466.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 403.22 466.10 Td (continues ) Tj ET Q q 0 0 0 rg BT 444.40 466.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.04 466.10 Td (evaluate ) Tj ET Q q 0 0 0 rg BT 491.21 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.29 466.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 536.37 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 547.56 466.10 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.26 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 100.43 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 123.14 454.10 Td (components ) Tj ET Q q 0 0 0 rg BT 173.63 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.13 454.10 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 234.06 454.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 268.01 454.10 Td (The ) Tj ET Q q 0 0 0 rg BT 285.72 454.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 326.77 454.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 358.93 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.87 454.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 393.25 454.10 Td (this ) Tj ET Q q 0 0 0 rg BT 409.87 454.10 Td (new ) Tj ET Q q 0 0 0 rg BT 428.70 454.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 466.96 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 479.12 454.10 Td (January ) Tj ET Q q 0 0 0 rg BT 512.39 454.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 522.06 454.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 544.22 454.10 Td (with ) 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 56.94 442.10 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 103.87 442.10 Td (ef) Tj ET Q q 0 0 0 rg BT 111.46 442.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 128.94 442.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 175.32 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.60 442.10 Td (opening ) Tj ET Q q 0 0 0 rg BT 220.32 442.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 255.02 442.10 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 293.90 442.10 Td (if ) Tj ET Q q 0 0 0 rg BT 302.50 442.10 Td (such ) Tj ET Q q 0 0 0 rg BT 323.33 442.10 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 369.72 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 378.89 442.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 412.48 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 422.76 442.10 Td (be ) Tj ET Q q 0 0 0 rg BT 434.70 442.10 Td (significant.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.40 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.04 418.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 94.88 418.10 Td (825 ) Tj ET Q q 0 0 0 rg BT 112.50 418.10 Td ("Financial ) Tj ET Q q 0 0 0 rg BT 158.20 418.10 Td (Instruments." ) Tj ET Q q 0 0 0 rg BT 214.75 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 217.37 418.10 Td (New ) Tj ET Q q 0 0 0 rg BT 238.87 418.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 292.03 418.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 338.52 418.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 377.24 418.10 Td (under ) Tj ET Q q 0 0 0 rg BT 402.05 418.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 423.93 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 429.34 418.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 449.18 418.10 Td (825 ) Tj ET Q q 0 0 0 rg BT 466.80 418.10 Td ("Financial ) Tj ET Q q 0 0 0 rg BT 510.72 418.10 Td (Instruments" ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 88.65 406.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 110.65 406.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 149.31 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.64 406.10 Td (require ) Tj ET Q q 0 0 0 rg BT 190.52 406.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 218.08 406.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 268.41 406.10 Td (\(except ) Tj ET Q q 0 0 0 rg BT 300.39 406.10 Td (those ) Tj ET Q q 0 0 0 rg BT 324.06 406.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 367.15 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 381.37 406.10 Td (under ) Tj ET Q q 0 0 0 rg BT 406.70 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.48 406.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 449.03 406.10 Td (method ) Tj ET Q q 0 0 0 rg BT 481.59 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.48 406.10 Td (accounting\) ) Tj ET Q q 0 0 0 rg BT 542.24 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.58 406.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 90.63 394.10 Td (at ) Tj ET Q q 0 0 0 rg BT 100.15 394.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 116.34 394.10 Td (value ) Tj ET Q q 0 0 0 rg BT 140.31 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 160.40 394.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 194.92 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 205.01 394.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 221.19 394.10 Td (value ) Tj ET Q q 0 0 0 rg BT 245.16 394.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 291.33 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 301.42 394.10 Td (net ) Tj ET Q q 0 0 0 rg BT 315.95 394.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 350.19 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 352.00 394.10 Td (An ) Tj ET Q q 0 0 0 rg BT 366.53 394.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 391.61 394.10 Td (may ) Tj ET Q q 0 0 0 rg BT 411.14 394.10 Td (choose ) Tj ET Q q 0 0 0 rg BT 441.22 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 451.31 394.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 486.94 394.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 514.24 394.10 Td (investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (that ) Tj ET Q q 0 0 0 rg BT 66.88 382.10 Td (do ) Tj ET Q q 0 0 0 rg BT 78.77 382.10 Td (not ) Tj ET Q q 0 0 0 rg BT 93.44 382.10 Td (have ) Tj ET Q q 0 0 0 rg BT 114.21 382.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 143.86 382.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 197.95 382.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 213.72 382.10 Td (values ) Tj ET Q q 0 0 0 rg BT 241.15 382.10 Td (at ) Tj ET Q q 0 0 0 rg BT 250.26 382.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 268.26 382.10 Td (minus ) Tj ET Q q 0 0 0 rg BT 294.59 382.10 Td (impairment, ) Tj ET Q q 0 0 0 rg BT 345.08 382.10 Td (if ) Tj ET Q q 0 0 0 rg BT 353.08 382.10 Td (any) Tj ET Q q 0 0 0 rg BT 366.87 382.10 Td (, ) Tj ET Q q 0 0 0 rg BT 371.26 382.10 Td (plus ) Tj ET Q q 0 0 0 rg BT 389.82 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 400.04 382.10 Td (minus ) Tj ET Q q 0 0 0 rg BT 426.38 382.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 460.47 382.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 497.36 382.10 Td (from ) Tj ET Q q 0 0 0 rg BT 518.69 382.10 Td (observable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (price ) Tj ET Q q 0 0 0 rg BT 72.53 370.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 107.29 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 117.61 370.10 Td (orderly ) Tj ET Q q 0 0 0 rg BT 149.04 370.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 199.35 370.10 Td (for ) Tj ET Q q 0 0 0 rg BT 213.56 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.32 370.10 Td (identical ) Tj ET Q q 0 0 0 rg BT 265.30 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 276.18 370.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 306.50 370.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 352.93 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.81 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.57 370.10 Td (same ) Tj ET Q q 0 0 0 rg BT 401.67 370.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 424.44 370.10 Td (. ) Tj ET Q q 0 0 0 rg BT 429.49 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 431.86 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 449.95 370.10 Td (new ) Tj ET Q q 0 0 0 rg BT 469.16 370.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 507.80 370.10 Td (simplifies ) Tj ET Q q 0 0 0 rg BT 549.79 370.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 98.07 358.10 Td (assessment ) Tj ET Q q 0 0 0 rg BT 144.48 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.79 358.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 181.75 358.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 231.50 358.10 Td (without ) Tj ET Q q 0 0 0 rg BT 264.03 358.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 293.76 358.10 Td (determinable ) Tj ET Q q 0 0 0 rg BT 347.93 358.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 363.78 358.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 393.80 358.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 427.98 358.10 Td (public ) Tj ET Q q 0 0 0 rg BT 454.95 358.10 Td (entities ) Tj ET Q q 0 0 0 rg BT 485.81 358.10 Td (to ) Tj ET Q q 0 0 0 rg BT 495.56 358.10 Td (use ) Tj ET Q q 0 0 0 rg BT 510.86 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.05 358.10 Td (exit ) 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 (notion ) Tj ET Q q 0 0 0 rg BT 78.10 346.10 Td (when ) Tj ET Q q 0 0 0 rg BT 102.30 346.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 146.50 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.26 346.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 177.68 346.10 Td (value ) Tj ET Q q 0 0 0 rg BT 201.88 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.75 346.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 250.28 346.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 299.48 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 313.69 346.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 356.78 346.10 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 397.37 346.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 432.12 346.10 Td (an ) Tj ET Q q 0 0 0 rg BT 444.10 346.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 469.42 346.10 Td (to ) Tj ET Q q 0 0 0 rg BT 479.74 346.10 Td (present ) Tj ET Q q 0 0 0 rg BT 511.16 346.10 Td (separately ) Tj ET Q q 0 0 0 rg BT 554.24 346.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (other ) Tj ET Q q 0 0 0 rg BT 72.53 334.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 135.04 334.10 Td (income ) Tj ET Q q 0 0 0 rg BT 166.46 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.66 334.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 211.52 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 221.83 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 236.03 334.10 Td (total ) Tj ET Q q 0 0 0 rg BT 255.79 334.10 Td (change ) Tj ET Q q 0 0 0 rg BT 286.08 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 295.84 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.04 334.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 325.90 334.10 Td (value ) Tj ET Q q 0 0 0 rg BT 349.54 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.85 334.10 Td (a ) Tj ET Q q 0 0 0 rg BT 366.27 334.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 399.36 334.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 436.34 334.10 Td (from ) Tj ET Q q 0 0 0 rg BT 457.76 334.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 491.94 334.10 Td (in ) Tj ET Q q 0 0 0 rg BT 501.70 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 515.90 334.10 Td (instrument-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 83.65 322.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 108.98 322.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 126.54 322.10 Td (when ) Tj ET Q q 0 0 0 rg BT 150.76 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.53 322.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 190.87 322.10 Td (has ) Tj ET Q q 0 0 0 rg BT 206.76 322.10 Td (selected ) Tj ET Q q 0 0 0 rg BT 241.52 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.30 322.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 272.73 322.10 Td (value ) Tj ET Q q 0 0 0 rg BT 296.95 322.10 Td (option ) Tj ET Q q 0 0 0 rg BT 325.07 322.10 Td (for ) Tj ET Q q 0 0 0 rg BT 339.29 322.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 376.83 322.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 426.05 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.05 322.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 477.82 322.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 513.13 322.10 Td (presentation ) 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 61.13 310.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 98.91 310.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 125.05 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.29 310.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 182.30 310.10 Td (by ) Tj ET Q q 0 0 0 rg BT 195.11 310.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 251.22 310.10 Td (category ) Tj ET Q q 0 0 0 rg BT 288.44 310.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.68 310.10 Td (form ) Tj ET Q q 0 0 0 rg BT 327.92 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.06 310.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 376.84 310.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 401.58 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 404.18 310.10 Td (The ) Tj ET Q q 0 0 0 rg BT 422.53 310.10 Td (new ) Tj ET Q q 0 0 0 rg BT 441.99 310.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 495.33 310.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 534.22 310.10 Td (will ) Tj ET Q q 0 0 0 rg BT 552.58 310.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 298.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 86.97 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 100.81 298.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 139.65 298.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 171.26 298.10 Td (after ) Tj ET Q q 0 0 0 rg BT 191.76 298.10 Td (January ) Tj ET Q q 0 0 0 rg BT 225.04 298.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 234.72 298.10 Td (2018 ) Tj ET Q q 0 0 0 rg BT 256.90 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 273.52 298.10 Td (is ) Tj ET Q q 0 0 0 rg BT 282.37 298.10 Td (not ) Tj ET Q q 0 0 0 rg BT 297.33 298.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 335.04 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 345.00 298.10 Td (have ) Tj ET Q q 0 0 0 rg BT 366.05 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 372.67 298.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 417.07 298.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 446.46 298.10 Td (on ) Tj ET Q q 0 0 0 rg BT 458.64 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.03 298.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 519.79 298.10 Td (statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 286.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 104.99 286.10 Td (or ) Tj ET Q q 0 0 0 rg BT 115.82 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 153.30 286.10 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.88 262.10 Td (T) Tj ET Q q 0 0 0 rg BT 76.52 262.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 97.84 262.10 Td (405 ) Tj ET Q q 0 0 0 rg BT 116.94 262.10 Td ("Liabilities-Extinguishment ) Tj ET Q q 0 0 0 rg BT 231.34 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 243.22 262.10 Td (Liabilities." ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.58 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.67 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.77 262.10 Td (New ) Tj ET Q q 0 0 0 rg BT 325.75 262.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 380.39 262.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 428.36 262.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 468.55 262.10 Td (under ) Tj ET Q q 0 0 0 rg BT 494.52 262.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 517.77 262.10 Td (T) Tj ET Q q 0 0 0 rg BT 523.18 262.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 544.50 262.10 Td (405, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td ("Liabilities-Extinguishment ) Tj ET Q q 0 0 0 rg BT 164.18 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.40 250.10 Td (Liabilities" ) Tj ET Q q 0 0 0 rg BT 222.91 250.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 261.89 250.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 284.22 250.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 323.20 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 333.87 250.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 362.85 250.10 Td (that ) Tj ET Q q 0 0 0 rg BT 380.73 250.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 420.84 250.10 Td (related ) Tj ET Q q 0 0 0 rg BT 450.93 250.10 Td (to ) Tj ET Q q 0 0 0 rg BT 461.60 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.70 250.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 495.14 250.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.35 250.10 Td (prepaid ) Tj ET Q q 0 0 0 rg BT 539.23 250.10 Td (store-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (value ) Tj ET Q q 0 0 0 rg BT 73.99 238.10 Td (products ) Tj ET Q q 0 0 0 rg BT 110.76 238.10 Td (within ) Tj ET Q q 0 0 0 rg BT 138.65 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.19 238.10 Td (scope ) Tj ET Q q 0 0 0 rg BT 178.29 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 188.96 238.10 Td (this ) Tj ET Q q 0 0 0 rg BT 205.73 238.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 244.16 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 258.70 238.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 296.01 238.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 335.56 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.33 238.10 Td (that ) Tj ET Q q 0 0 0 rg BT 369.66 238.10 Td (breakage ) Tj ET Q q 0 0 0 rg BT 408.07 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 422.06 238.10 Td (those ) Tj ET Q q 0 0 0 rg BT 445.50 238.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 485.05 238.10 Td (are ) Tj ET Q q 0 0 0 rg BT 499.59 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 509.70 238.10 Td (be ) Tj ET Q q 0 0 0 rg BT 521.47 238.10 Td (accounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.30 226.10 Td (consistent ) Tj ET Q q 0 0 0 rg BT 106.94 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 127.36 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.22 226.10 Td (breakage ) Tj ET Q q 0 0 0 rg BT 180.95 226.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 219.69 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.52 226.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 251.43 226.10 Td (T) Tj ET Q q 0 0 0 rg BT 256.84 226.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 276.70 226.10 Td (606 ) Tj ET Q q 0 0 0 rg BT 294.34 226.10 Td ("Revenue ) Tj ET Q q 0 0 0 rg BT 336.05 226.10 Td (from ) Tj ET Q q 0 0 0 rg BT 358.13 226.10 Td (Contracts ) Tj ET Q q 0 0 0 rg BT 399.10 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 419.52 226.10 Td (Customers." ) Tj ET Q q 0 0 0 rg BT 471.53 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.98 226.10 Td (The ) Tj ET Q q 0 0 0 rg BT 492.17 226.10 Td (new ) Tj ET Q q 0 0 0 rg BT 511.47 226.10 Td (authoritative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.36 214.10 Td (will ) Tj ET Q q 0 0 0 rg BT 106.17 214.10 Td (be ) Tj ET Q q 0 0 0 rg BT 117.88 214.10 Td (ef) Tj ET Q q 0 0 0 rg BT 125.46 214.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 154.93 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 168.85 214.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 207.77 214.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 239.47 214.10 Td (after ) Tj ET Q q 0 0 0 rg BT 260.05 214.10 Td (January ) Tj ET Q q 0 0 0 rg BT 293.41 214.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 303.17 214.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 327.93 214.10 Td ( ) Tj ET Q q 0 0 0 rg BT 330.03 214.10 Td (The ) Tj ET Q q 0 0 0 rg BT 347.84 214.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 388.99 214.10 Td (is ) Tj ET Q q 0 0 0 rg BT 397.92 214.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 441.83 214.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.31 214.10 Td (new ) Tj ET Q q 0 0 0 rg BT 475.23 214.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 513.59 214.10 Td (but ) Tj ET Q q 0 0 0 rg BT 528.63 214.10 Td (does ) Tj ET Q q 0 0 0 rg BT 549.22 214.10 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (expect ) Tj ET Q q 0 0 0 rg BT 78.59 202.10 Td (it ) Tj ET Q q 0 0 0 rg BT 86.65 202.10 Td (to ) Tj ET Q q 0 0 0 rg BT 96.93 202.10 Td (have ) Tj ET Q q 0 0 0 rg BT 118.31 202.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.24 202.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 169.96 202.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 199.67 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 212.17 202.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.88 202.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 273.96 202.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 318.68 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.51 202.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 373.66 202.10 Td (or ) Tj ET Q q 0 0 0 rg BT 384.49 202.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 421.97 202.10 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.08 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.73 178.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.25 178.10 Td (842 ) Tj ET Q q 0 0 0 rg BT 114.56 178.10 Td ("Leases." ) Tj ET Q q 0 0 0 rg BT 155.98 178.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.29 178.10 Td (New ) Tj ET Q q 0 0 0 rg BT 181.47 178.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 235.32 178.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 282.50 178.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 321.89 178.10 Td (under ) Tj ET Q q 0 0 0 rg BT 347.24 178.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 369.76 178.10 Td (T) Tj ET Q q 0 0 0 rg BT 375.17 178.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 395.69 178.10 Td (842 ) Tj ET Q q 0 0 0 rg BT 414.00 178.10 Td ("Leases" ) Tj ET Q q 0 0 0 rg BT 452.67 178.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 492.07 178.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 514.82 178.10 Td (guidance ) 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 (require ) Tj ET Q q 0 0 0 rg BT 80.67 166.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 110.79 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.93 166.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 162.14 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.72 166.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 202.40 166.10 Td (and ) Tj ET Q q 0 0 0 rg BT 219.19 166.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 258.77 166.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 288.34 166.10 Td (from ) Tj ET Q q 0 0 0 rg BT 310.13 166.10 Td (all ) Tj ET Q q 0 0 0 rg BT 322.48 166.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 348.71 166.10 Td (on ) Tj ET Q q 0 0 0 rg BT 361.07 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.64 166.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 408.53 166.10 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 433.93 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.11 166.10 Td (The ) Tj ET Q q 0 0 0 rg BT 454.02 166.10 Td (new ) Tj ET Q q 0 0 0 rg BT 473.03 166.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 525.92 166.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 564.52 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 567.02 166.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 80.71 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 86.98 154.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 108.79 154.10 Td (as ) Tj ET Q q 0 0 0 rg BT 118.96 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.22 154.10 Td (contract, ) Tj ET Q q 0 0 0 rg BT 161.76 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 171.92 154.10 Td (part ) Tj ET Q q 0 0 0 rg BT 189.30 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 199.46 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 205.73 154.10 Td (contract, ) Tj ET Q q 0 0 0 rg BT 242.26 154.10 Td (that ) Tj ET Q q 0 0 0 rg BT 259.09 154.10 Td (conveys ) Tj ET Q q 0 0 0 rg BT 293.69 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.73 154.10 Td (right ) Tj ET Q q 0 0 0 rg BT 328.45 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.06 154.10 Td (control ) Tj ET Q q 0 0 0 rg BT 368.22 154.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.27 154.10 Td (use ) Tj ET Q q 0 0 0 rg BT 397.43 154.10 Td (of ) Tj ET Q q 0 0 0 rg BT 407.59 154.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 447.74 154.10 Td (property) Tj ET Q q 0 0 0 rg BT 480.97 154.10 Td (, ) Tj ET Q q 0 0 0 rg BT 485.30 154.10 Td (plant, ) Tj ET Q q 0 0 0 rg BT 509.62 154.10 Td (or ) Tj ET Q q 0 0 0 rg BT 519.79 154.10 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (\(an ) Tj ET Q q 0 0 0 rg BT 65.70 142.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 106.96 142.10 Td (asset\) ) Tj ET Q q 0 0 0 rg BT 132.67 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 147.26 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 154.64 142.10 Td (period ) Tj ET Q q 0 0 0 rg BT 183.12 142.10 Td (of ) Tj ET Q q 0 0 0 rg BT 194.39 142.10 Td (time ) Tj ET Q q 0 0 0 rg BT 215.09 142.10 Td (in ) Tj ET Q q 0 0 0 rg BT 225.81 142.10 Td (exchange ) Tj ET Q q 0 0 0 rg BT 266.50 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 281.10 142.10 Td (consideration. ) Tj ET Q q 0 0 0 rg BT 340.40 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 343.34 142.10 Td (In ) Tj ET Q q 0 0 0 rg BT 354.61 142.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 392.81 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.97 142.10 Td (qualifications ) Tj ET Q q 0 0 0 rg BT 465.33 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 479.93 142.10 Td (a ) Tj ET Q q 0 0 0 rg BT 487.30 142.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 505.79 142.10 Td (and ) Tj ET Q q 0 0 0 rg BT 523.16 142.10 Td (leaseback ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.29 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 117.59 130.10 Td (been ) Tj ET Q q 0 0 0 rg BT 138.89 130.10 Td (amended. ) Tj ET Q q 0 0 0 rg BT 179.91 130.10 Td ( ) Tj ET Q q 0 0 0 rg BT 182.15 130.10 Td (The ) Tj ET Q q 0 0 0 rg BT 200.12 130.10 Td (new ) Tj ET Q q 0 0 0 rg BT 219.21 130.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 272.16 130.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 310.68 130.10 Td (also ) Tj ET Q q 0 0 0 rg BT 329.21 130.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 363.84 130.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 408.47 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.33 130.10 Td (quantitative ) Tj ET Q q 0 0 0 rg BT 474.96 130.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 521.82 130.10 Td (by) Tj ET Q BT /F5 9.00 Tf ET q 0 0 0 rg BT 531.82 130.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.24 130.10 Td (lessees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.16 118.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 97.10 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 107.59 118.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 129.75 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 144.68 118.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 184.05 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.10 118.10 Td (enabling ) Tj ET Q q 0 0 0 rg BT 232.25 118.10 Td (users ) Tj ET Q q 0 0 0 rg BT 255.52 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.57 118.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 304.27 118.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 349.20 118.10 Td (to ) Tj ET Q q 0 0 0 rg BT 359.70 118.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 386.86 118.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.80 118.10 Td (amount, ) Tj ET Q q 0 0 0 rg BT 437.01 118.10 Td (timing, ) Tj ET Q q 0 0 0 rg BT 468.34 118.10 Td (and ) Tj ET Q q 0 0 0 rg BT 485.50 118.10 Td (uncertainty ) Tj ET Q q 0 0 0 rg BT 533.20 118.10 Td (of ) Tj ET Q q 0 0 0 rg BT 544.25 118.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 74.84 106.10 Td (arising ) Tj ET Q q 0 0 0 rg BT 104.67 106.10 Td (from ) Tj ET Q q 0 0 0 rg BT 126.73 106.10 Td (leases. ) Tj ET Q q 0 0 0 rg BT 155.72 106.10 Td ( ) Tj ET Q q 0 0 0 rg BT 158.34 106.10 Td (In ) Tj ET Q q 0 0 0 rg BT 169.29 106.10 Td (transition, ) Tj ET Q q 0 0 0 rg BT 212.18 106.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 242.56 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 259.62 106.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 289.46 106.10 Td (are ) Tj ET Q q 0 0 0 rg BT 304.28 106.10 Td (required ) Tj ET Q q 0 0 0 rg BT 340.21 106.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.61 106.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 392.09 106.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.15 106.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 445.08 106.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 471.57 106.10 Td (at ) Tj ET Q q 0 0 0 rg BT 481.41 106.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.24 106.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 538.85 106.10 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 106.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (earliest ) Tj ET Q q 0 0 0 rg BT 81.20 94.10 Td (period ) Tj ET Q q 0 0 0 rg BT 109.07 94.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 149.71 94.10 Td (using ) Tj ET Q q 0 0 0 rg BT 173.70 94.10 Td (a ) Tj ET Q q 0 0 0 rg BT 180.46 94.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 218.89 94.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 272.86 94.10 Td (approach. ) Tj ET Q q 0 0 0 rg BT 314.33 94.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.48 94.10 Td (The ) Tj ET Q q 0 0 0 rg BT 334.35 94.10 Td (new ) Tj ET Q q 0 0 0 rg BT 353.34 94.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 406.20 94.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 444.62 94.10 Td (will ) Tj ET Q q 0 0 0 rg BT 462.50 94.10 Td (be ) Tj ET Q q 0 0 0 rg BT 474.26 94.10 Td (ef) Tj ET Q q 0 0 0 rg BT 481.85 94.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 511.38 94.10 Td (for ) Tj ET Q q 0 0 0 rg BT 525.36 94.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 82.80 82.10 Td (after ) Tj ET Q q 0 0 0 rg BT 104.48 82.10 Td (January ) Tj ET Q q 0 0 0 rg BT 138.94 82.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 149.80 82.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 175.66 82.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.78 82.10 Td (The ) Tj ET Q q 0 0 0 rg BT 197.69 82.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 239.94 82.10 Td (is ) Tj ET Q q 0 0 0 rg BT 249.97 82.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 294.98 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.56 82.10 Td (new ) Tj ET Q q 0 0 0 rg BT 330.58 82.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 370.04 82.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.84 82.10 Td (its ) Tj ET Q q 0 0 0 rg BT 400.65 82.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 431.22 82.10 Td (on ) Tj ET Q q 0 0 0 rg BT 444.58 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.16 82.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 508.10 82.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 553.68 82.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.28 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 111.34 70.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 148.94 70.10 Td (condition. ) Tj ET Q q 0 0 0 rg BT 191.84 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 194.28 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 212.45 70.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 253.96 70.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 286.56 70.10 Td (an ) Tj ET Q q 0 0 0 rg BT 298.63 70.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 334.00 70.10 Td (in ) Tj ET Q q 0 0 0 rg BT 344.41 70.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 370.36 70.10 Td (and ) Tj ET Q q 0 0 0 rg BT 387.42 70.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 427.26 70.10 Td (as ) Tj ET Q q 0 0 0 rg BT 438.22 70.10 Td (a ) Tj ET Q q 0 0 0 rg BT 445.28 70.10 Td (result ) Tj ET Q q 0 0 0 rg BT 470.12 70.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.07 70.10 Td (recording ) Tj ET Q q 0 0 0 rg BT 522.01 70.10 Td (additional ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 72.49 58.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 111.08 58.10 Td (where ) Tj ET Q q 0 0 0 rg BT 138.01 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 152.72 58.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 194.11 58.10 Td (is ) Tj ET Q q 0 0 0 rg BT 203.28 58.10 Td (lessee.) Tj ET Q endstream endobj 175 0 obj <> endobj 176 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (87) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.41 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 76.06 742.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.91 742.10 Td (815 ) Tj ET Q q 0 0 0 rg BT 115.54 742.10 Td ("Derivatives ) Tj ET Q q 0 0 0 rg BT 169.47 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 188.10 742.10 Td (Hedging." ) Tj ET Q q 0 0 0 rg BT 232.88 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.51 742.10 Td (New ) Tj ET Q q 0 0 0 rg BT 259.03 742.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 313.20 742.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 360.70 742.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 400.43 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 426.03 742.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 448.86 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 454.27 742.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 475.12 742.10 Td (815 ) Tj ET Q q 0 0 0 rg BT 493.75 742.10 Td ("Derivatives ) 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 (Hedging" ) Tj ET Q q 0 0 0 rg BT 90.88 730.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 129.33 730.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 151.12 730.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 189.57 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 199.70 730.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 228.15 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 245.51 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 252.30 730.10 Td (change ) Tj ET Q q 0 0 0 rg BT 282.97 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 293.11 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 307.68 730.10 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 360.57 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 370.70 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 377.50 730.10 Td (derivative ) Tj ET Q q 0 0 0 rg BT 419.83 730.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 464.96 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 482.31 730.10 Td (has ) Tj ET Q q 0 0 0 rg BT 498.00 730.10 Td (been ) Tj ET Q q 0 0 0 rg BT 519.23 730.10 Td (designated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.24 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 74.37 718.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 108.50 718.10 Td (instrument ) Tj ET Q q 0 0 0 rg BT 153.19 718.10 Td (does ) Tj ET Q q 0 0 0 rg BT 173.43 718.10 Td (not, ) Tj ET Q q 0 0 0 rg BT 190.62 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 200.32 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.67 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.91 718.10 Td (itself, ) Tj ET Q q 0 0 0 rg BT 251.32 718.10 Td (require ) Tj ET Q q 0 0 0 rg BT 281.55 718.10 Td (dedesignation ) Tj ET Q q 0 0 0 rg BT 339.00 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 349.25 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 366.15 718.10 Td (hedging ) Tj ET Q q 0 0 0 rg BT 400.28 718.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 449.41 718.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 486.87 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 503.78 718.10 Td (all ) Tj ET Q q 0 0 0 rg BT 515.68 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 538.14 718.10 Td (hedge ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 96.72 706.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 127.87 706.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 165.15 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 175.77 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 188.05 706.10 Td (met. ) Tj ET Q q 0 0 0 rg BT 208.39 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 210.60 706.10 Td (An ) Tj ET Q q 0 0 0 rg BT 225.67 706.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 251.28 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 267.46 706.10 Td (an ) Tj ET Q q 0 0 0 rg BT 279.74 706.10 Td (option ) Tj ET Q q 0 0 0 rg BT 308.14 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 318.76 706.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 343.82 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.88 706.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 412.27 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 422.89 706.10 Td (this ) Tj ET Q q 0 0 0 rg BT 440.18 706.10 Td (new ) Tj ET Q q 0 0 0 rg BT 459.68 706.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 513.06 706.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 552.00 706.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (either ) Tj ET Q q 0 0 0 rg BT 74.84 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 81.36 694.10 Td (prospective ) Tj ET Q q 0 0 0 rg BT 129.53 694.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 151.61 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 162.01 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.53 694.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 206.71 694.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 260.43 694.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 285.01 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.94 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 304.56 694.10 Td (new ) Tj ET Q q 0 0 0 rg BT 323.30 694.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 375.91 694.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 414.08 694.10 Td (will ) Tj ET Q q 0 0 0 rg BT 431.72 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 443.23 694.10 Td (ef) Tj ET Q q 0 0 0 rg BT 450.82 694.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 480.10 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 493.84 694.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 532.57 694.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (after ) Tj ET Q q 0 0 0 rg BT 70.89 682.10 Td (January ) Tj ET Q q 0 0 0 rg BT 104.56 682.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 114.63 682.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 137.20 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 154.21 682.10 Td (early ) Tj ET Q q 0 0 0 rg BT 176.77 682.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 214.34 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 223.58 682.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 266.97 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 269.36 682.10 Td (This ) Tj ET Q q 0 0 0 rg BT 289.71 682.10 Td (new ) Tj ET Q q 0 0 0 rg BT 308.94 682.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 362.05 682.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 400.72 682.10 Td (will ) Tj ET Q q 0 0 0 rg BT 418.85 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 434.20 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 455.65 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 462.66 682.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 507.44 682.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 537.23 682.10 Td (on ) 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 (Company's ) Tj ET Q q 0 0 0 rg BT 97.08 670.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 141.79 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.62 670.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 196.78 670.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.61 670.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 245.09 670.10 Td (condition. ) Tj ET Q q 0 0 0 rg BT 287.86 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (New ) Tj ET Q q 0 0 0 rg BT 71.09 646.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 123.84 646.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 169.92 646.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 208.22 646.10 Td (under ) Tj ET Q q 0 0 0 rg BT 232.71 646.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 254.22 646.10 Td (T) Tj ET Q q 0 0 0 rg BT 259.63 646.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 279.05 646.10 Td (815 ) Tj ET Q q 0 0 0 rg BT 296.26 646.10 Td ("Derivatives ) Tj ET Q q 0 0 0 rg BT 348.65 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 365.29 646.10 Td (Hedging" ) Tj ET Q q 0 0 0 rg BT 406.02 646.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 444.33 646.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 465.98 646.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 504.28 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.27 646.10 Td (clarify ) Tj ET Q q 0 0 0 rg BT 542.57 646.10 Td (what ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (steps ) Tj ET Q q 0 0 0 rg BT 71.73 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 85.66 634.10 Td (required ) Tj ET Q q 0 0 0 rg BT 120.70 634.10 Td (when ) Tj ET Q q 0 0 0 rg BT 144.08 634.10 Td (assessing ) Tj ET Q q 0 0 0 rg BT 183.03 634.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 216.96 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.90 634.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 271.50 634.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 330.41 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.58 634.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 367.19 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.25 634.10 Td (call ) Tj ET Q q 0 0 0 rg BT 393.41 634.10 Td (\(put\) ) Tj ET Q q 0 0 0 rg BT 414.57 634.10 Td (options ) Tj ET Q q 0 0 0 rg BT 445.74 634.10 Td (are ) Tj ET Q q 0 0 0 rg BT 459.68 634.10 Td (clearly ) Tj ET Q q 0 0 0 rg BT 488.60 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 504.77 634.10 Td (closely ) Tj ET Q q 0 0 0 rg BT 534.82 634.10 Td (related ) 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 60.42 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.27 622.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 116.78 622.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 176.60 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 193.68 622.10 Td (risks ) Tj ET Q q 0 0 0 rg BT 215.21 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 226.17 622.10 Td (their ) Tj ET Q q 0 0 0 rg BT 247.13 622.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 266.99 622.10 Td (hosts, ) Tj ET Q q 0 0 0 rg BT 292.69 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 319.76 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 329.07 622.10 Td (one ) Tj ET Q q 0 0 0 rg BT 346.14 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 357.11 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.96 622.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 402.91 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 417.21 622.10 Td (bifurcating ) Tj ET Q q 0 0 0 rg BT 463.72 622.10 Td (an ) Tj ET Q q 0 0 0 rg BT 475.79 622.10 Td (embedded ) Tj ET Q q 0 0 0 rg BT 519.52 622.10 Td (derivative. ) Tj ET Q q 0 0 0 rg BT 564.50 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 567.00 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 569.50 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 572.00 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 574.50 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 577.00 622.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (An ) Tj ET Q q 0 0 0 rg BT 64.77 610.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 90.09 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 99.31 610.10 Td (required ) Tj ET Q q 0 0 0 rg BT 135.17 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 145.50 610.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 181.92 610.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 216.68 610.10 Td (\(1\) ) Tj ET Q q 0 0 0 rg BT 230.89 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.65 610.10 Td (payof) Tj ET Q q 0 0 0 rg BT 268.24 610.10 Td (f ) Tj ET Q q 0 0 0 rg BT 274.12 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 283.33 610.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 319.21 610.10 Td (based ) Tj ET Q q 0 0 0 rg BT 344.52 610.10 Td (on ) Tj ET Q q 0 0 0 rg BT 357.07 610.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 391.83 610.10 Td (in ) Tj ET Q q 0 0 0 rg BT 402.15 610.10 Td (an ) Tj ET Q q 0 0 0 rg BT 414.14 610.10 Td (index, ) Tj ET Q q 0 0 0 rg BT 441.40 610.10 Td (\(2\) ) Tj ET Q q 0 0 0 rg BT 455.61 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 470.38 610.10 Td (payof) Tj ET Q q 0 0 0 rg BT 492.96 610.10 Td (f ) Tj ET Q q 0 0 0 rg BT 498.84 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 508.06 610.10 Td (indexed ) Tj ET Q q 0 0 0 rg BT 542.26 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.59 610.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 96.13 598.10 Td (other ) Tj ET Q q 0 0 0 rg BT 119.47 598.10 Td (than ) Tj ET Q q 0 0 0 rg BT 139.49 598.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 171.72 598.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 193.40 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 204.53 598.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 230.10 598.10 Td (risk, ) Tj ET Q q 0 0 0 rg BT 250.40 598.10 Td (\(3\) ) Tj ET Q q 0 0 0 rg BT 264.86 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.87 598.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 299.89 598.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 336.58 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 343.82 598.10 Td (substantial ) Tj ET Q q 0 0 0 rg BT 389.39 598.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 428.29 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 439.42 598.10 Td (discount, ) Tj ET Q q 0 0 0 rg BT 478.61 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.85 598.10 Td (\(4\) ) Tj ET Q q 0 0 0 rg BT 510.31 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.33 598.10 Td (call ) Tj ET Q q 0 0 0 rg BT 542.56 598.10 Td (\(put\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (option ) Tj ET Q q 0 0 0 rg BT 78.41 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 87.93 586.10 Td (contingently ) Tj ET Q q 0 0 0 rg BT 140.78 586.10 Td (exercisable. ) Tj ET Q q 0 0 0 rg BT 191.10 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 193.33 586.10 Td (An ) Tj ET Q q 0 0 0 rg BT 208.40 586.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 234.03 586.10 Td (should ) Tj ET Q q 0 0 0 rg BT 263.55 586.10 Td (apply ) Tj ET Q q 0 0 0 rg BT 288.63 586.10 Td (this ) Tj ET Q q 0 0 0 rg BT 305.93 586.10 Td (new ) Tj ET Q q 0 0 0 rg BT 325.44 586.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 378.83 586.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 417.78 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 430.63 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 437.93 586.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 476.88 586.10 Td (retrospective ) Tj ET Q q 0 0 0 rg BT 531.38 586.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 554.23 586.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 84.53 574.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 104.61 574.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 154.14 574.10 Td (as ) Tj ET Q q 0 0 0 rg BT 165.33 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.53 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 191.61 574.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 234.47 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 245.66 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.74 574.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 285.26 574.10 Td (year ) Tj ET Q q 0 0 0 rg BT 305.33 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 319.85 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 347.16 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 362.24 574.10 Td (amendments ) Tj ET Q q 0 0 0 rg BT 415.64 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 430.71 574.10 Td (ef) Tj ET Q q 0 0 0 rg BT 438.30 574.10 Td (fective. ) Tj ET Q q 0 0 0 rg BT 470.87 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.52 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 491.93 574.10 Td (new ) Tj ET Q q 0 0 0 rg BT 511.46 574.10 Td (authoritative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 89.24 562.10 Td (will ) Tj ET Q q 0 0 0 rg BT 107.94 562.10 Td (be ) Tj ET Q q 0 0 0 rg BT 120.53 562.10 Td (ef) Tj ET Q q 0 0 0 rg BT 128.12 562.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 158.47 562.10 Td (for ) Tj ET Q q 0 0 0 rg BT 173.27 562.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 213.08 562.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 245.66 562.10 Td (after ) Tj ET Q q 0 0 0 rg BT 267.12 562.10 Td (January ) Tj ET Q q 0 0 0 rg BT 301.37 562.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 312.02 562.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 335.16 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 352.75 562.10 Td (early ) Tj ET Q q 0 0 0 rg BT 375.88 562.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 414.02 562.10 Td (is ) Tj ET Q q 0 0 0 rg BT 423.84 562.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 467.81 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.73 562.10 Td (This ) Tj ET Q q 0 0 0 rg BT 491.65 562.10 Td (new ) Tj ET Q q 0 0 0 rg BT 511.46 562.10 Td (authoritative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.59 550.10 Td (will ) Tj ET Q q 0 0 0 rg BT 106.65 550.10 Td (not ) Tj ET Q q 0 0 0 rg BT 121.93 550.10 Td (have ) Tj ET Q q 0 0 0 rg BT 143.31 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 150.24 550.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 194.96 550.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 224.67 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 237.17 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.88 550.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 298.96 550.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 343.68 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.51 550.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 398.66 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 409.49 550.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 446.97 550.10 Td (condition. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.31 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 74.96 526.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 94.71 526.10 Td (323 ) Tj ET Q q 0 0 0 rg BT 112.24 526.10 Td ("Investment ) Tj ET Q q 0 0 0 rg BT 162.29 526.10 Td (- ) Tj ET Q q 0 0 0 rg BT 168.15 526.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 196.79 526.10 Td (Method ) Tj ET Q q 0 0 0 rg BT 229.87 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.41 526.10 Td (Joint ) Tj ET Q q 0 0 0 rg BT 269.94 526.10 Td (V) Tj ET Q q 0 0 0 rg BT 274.94 526.10 Td (entur) Tj ET Q q 0 0 0 rg BT 295.67 526.10 Td (es." ) Tj ET Q q 0 0 0 rg BT 313.24 526.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.77 526.10 Td (New ) Tj ET Q q 0 0 0 rg BT 337.19 526.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 390.26 526.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 436.67 526.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 475.29 526.10 Td (under ) Tj ET Q q 0 0 0 rg BT 500.04 526.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 521.84 526.10 Td (T) Tj ET Q q 0 0 0 rg BT 527.25 526.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 547.00 526.10 Td (323 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td ("Investment ) Tj ET Q q 0 0 0 rg BT 100.85 514.10 Td (- ) Tj ET Q q 0 0 0 rg BT 106.52 514.10 Td (Equity ) Tj ET Q q 0 0 0 rg BT 135.52 514.10 Td (Method ) Tj ET Q q 0 0 0 rg BT 168.96 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 185.74 514.10 Td (Joint ) Tj ET Q q 0 0 0 rg BT 207.36 514.10 Td (V) Tj ET Q q 0 0 0 rg BT 213.47 514.10 Td (entures" ) Tj ET Q q 0 0 0 rg BT 248.76 514.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 287.19 514.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 308.97 514.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 347.40 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 357.51 514.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 397.06 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 411.61 514.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 462.26 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 472.37 514.10 Td (retroactively ) Tj ET Q q 0 0 0 rg BT 525.24 514.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 549.79 514.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 76.51 502.10 Td (method ) Tj ET Q q 0 0 0 rg BT 108.02 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.86 502.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 163.25 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 173.09 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 179.04 502.10 Td (result ) Tj ET Q q 0 0 0 rg BT 202.77 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.62 502.10 Td (an ) Tj ET Q q 0 0 0 rg BT 223.57 502.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 257.84 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.13 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.86 502.10 Td (level ) Tj ET Q q 0 0 0 rg BT 301.81 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 311.65 502.10 Td (ownership ) Tj ET Q q 0 0 0 rg BT 354.82 502.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 385.77 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 395.62 502.10 Td (degree ) Tj ET Q q 0 0 0 rg BT 423.77 502.10 Td (of ) Tj ET Q q 0 0 0 rg BT 433.62 502.10 Td (influence. ) Tj ET Q q 0 0 0 rg BT 474.83 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 476.24 502.10 Td (The ) Tj ET Q q 0 0 0 rg BT 493.30 502.10 Td (new ) Tj ET Q q 0 0 0 rg BT 511.47 502.10 Td (authoritative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.92 490.10 Td (required ) Tj ET Q q 0 0 0 rg BT 125.07 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 142.90 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 157.95 490.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 185.77 490.10 Td (method ) Tj ET Q q 0 0 0 rg BT 218.60 490.10 Td (investor ) Tj ET Q q 0 0 0 rg BT 253.65 490.10 Td (add ) Tj ET Q q 0 0 0 rg BT 270.92 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.96 490.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 304.90 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.06 490.10 Td (acquiring ) Tj ET Q q 0 0 0 rg BT 356.66 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 371.71 490.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 414.53 490.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 446.79 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 457.40 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 472.45 490.10 Td (investee ) Tj ET Q q 0 0 0 rg BT 508.04 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.65 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.70 490.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.53 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.40 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 98.15 478.10 Td (investor) Tj ET Q q 0 0 0 rg BT 130.73 478.10 Td () Tj ET Q q 0 0 0 rg BT 133.51 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 139.94 478.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 184.69 478.10 Td (held ) Tj ET Q q 0 0 0 rg BT 204.44 478.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 236.40 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 253.38 478.10 Td (adopt ) Tj ET Q q 0 0 0 rg BT 278.13 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 292.88 478.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 320.40 478.10 Td (method ) Tj ET Q q 0 0 0 rg BT 352.93 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.80 478.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 410.20 478.10 Td (as ) Tj ET Q q 0 0 0 rg BT 421.06 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 431.93 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.68 478.10 Td (date ) Tj ET Q q 0 0 0 rg BT 465.87 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.62 478.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 527.03 478.10 Td (becomes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (qualified ) Tj ET Q q 0 0 0 rg BT 88.34 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 102.80 466.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 130.59 466.10 Td (method ) Tj ET Q q 0 0 0 rg BT 163.38 466.10 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 212.55 466.10 Td ( ) Tj ET Q q 0 0 0 rg BT 215.15 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 233.49 466.10 Td (new ) Tj ET Q q 0 0 0 rg BT 252.95 466.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 306.29 466.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 345.18 466.10 Td (will ) Tj ET Q q 0 0 0 rg BT 363.53 466.10 Td (be ) Tj ET Q q 0 0 0 rg BT 375.77 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 383.36 466.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 413.36 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 427.82 466.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 467.27 466.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 499.50 466.10 Td (after ) Tj ET Q q 0 0 0 rg BT 520.62 466.10 Td (January ) Tj ET Q q 0 0 0 rg BT 554.51 466.10 Td (1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 73.50 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 91.43 454.10 Td (early ) Tj ET Q q 0 0 0 rg BT 114.91 454.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 153.40 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 163.56 454.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 207.88 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 211.12 454.10 Td (This ) Tj ET Q q 0 0 0 rg BT 232.40 454.10 Td (new ) Tj ET Q q 0 0 0 rg BT 252.55 454.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 306.58 454.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 346.17 454.10 Td (will ) Tj ET Q q 0 0 0 rg BT 365.22 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 381.50 454.10 Td (have ) Tj ET Q q 0 0 0 rg BT 403.87 454.10 Td (a ) Tj ET Q q 0 0 0 rg BT 411.80 454.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 457.51 454.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 488.22 454.10 Td (on ) Tj ET Q q 0 0 0 rg BT 501.71 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 454.10 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 94.71 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 105.54 442.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 149.70 442.10 Td (or ) Tj ET Q q 0 0 0 rg BT 160.53 442.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 198.01 442.10 Td (condition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td ( ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 72.99 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 77.64 418.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 100.07 418.10 Td (718 ) Tj ET Q q 0 0 0 rg BT 120.28 418.10 Td ("Compensation ) Tj ET Q q 0 0 0 rg BT 187.47 418.10 Td (- ) Tj ET Q q 0 0 0 rg BT 196.02 418.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 222.89 418.10 Td (Compensation." ) Tj ET Q q 0 0 0 rg BT 292.58 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.79 418.10 Td (New ) Tj ET Q q 0 0 0 rg BT 321.89 418.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 377.64 418.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 426.73 418.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 468.04 418.10 Td (under ) Tj ET Q q 0 0 0 rg BT 494.87 418.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 519.16 418.10 Td (T) Tj ET Q q 0 0 0 rg BT 524.57 418.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 547.00 418.10 Td (718 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td ("Compensation ) Tj ET Q q 0 0 0 rg BT 115.55 406.10 Td (- ) Tj ET Q q 0 0 0 rg BT 122.58 406.10 Td (Stock ) Tj ET Q q 0 0 0 rg BT 149.05 406.10 Td (Compensation" ) Tj ET Q q 0 0 0 rg BT 214.60 406.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 254.39 406.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 277.53 406.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 317.32 406.10 Td (on ) Tj ET Q q 0 0 0 rg BT 331.02 406.10 Td (several ) Tj ET Q q 0 0 0 rg BT 363.03 406.10 Td (aspects, ) Tj ET Q q 0 0 0 rg BT 398.10 406.10 Td (including ) Tj ET Q q 0 0 0 rg BT 439.57 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.48 406.10 Td (income ) Tj ET Q q 0 0 0 rg BT 488.61 406.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 504.53 406.10 Td (consequences, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 106.14 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.84 394.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 149.54 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.25 394.10 Td (either ) Tj ET Q q 0 0 0 rg BT 187.39 394.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 215.76 394.10 Td (or ) Tj ET Q q 0 0 0 rg BT 227.46 394.10 Td (liability) Tj ET Q q 0 0 0 rg BT 257.92 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 263.80 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 281.61 394.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 337.75 394.10 Td (on ) Tj ET Q q 0 0 0 rg BT 351.13 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 366.72 394.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 408.42 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 420.12 394.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 441.27 394.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 469.37 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.50 394.10 Td (The ) Tj ET Q q 0 0 0 rg BT 491.42 394.10 Td (new ) Tj ET Q q 0 0 0 rg BT 511.46 394.10 Td (authoritative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.71 382.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 117.44 382.10 Td (for ) Tj ET Q q 0 0 0 rg BT 131.72 382.10 Td (all ) Tj ET Q q 0 0 0 rg BT 144.33 382.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 173.05 382.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 187.88 382.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 222.16 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.22 382.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 254.05 382.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 304.42 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 314.82 382.10 Td (be ) Tj ET Q q 0 0 0 rg BT 326.87 382.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 373.35 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 384.30 382.10 Td (income ) Tj ET Q q 0 0 0 rg BT 416.35 382.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 431.19 382.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 461.57 382.10 Td (or ) Tj ET Q q 0 0 0 rg BT 472.52 382.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 507.35 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.74 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.58 382.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (statement. ) Tj ET Q q 0 0 0 rg BT 93.22 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.45 370.10 Td (The ) Tj ET Q q 0 0 0 rg BT 113.40 370.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 128.02 370.10 Td (ef) Tj ET Q q 0 0 0 rg BT 135.60 370.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 156.88 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 167.61 370.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 207.77 370.10 Td (or ) Tj ET Q q 0 0 0 rg BT 218.50 370.10 Td (vested ) Tj ET Q q 0 0 0 rg BT 246.45 370.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 277.17 370.10 Td (should ) Tj ET Q q 0 0 0 rg BT 306.24 370.10 Td (be ) Tj ET Q q 0 0 0 rg BT 318.08 370.10 Td (treated ) Tj ET Q q 0 0 0 rg BT 347.68 370.10 Td (as ) Tj ET Q q 0 0 0 rg BT 358.42 370.10 Td (discrete ) Tj ET Q q 0 0 0 rg BT 391.91 370.10 Td (items ) Tj ET Q q 0 0 0 rg BT 415.98 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 426.16 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.78 370.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 479.83 370.10 Td (period ) Tj ET Q q 0 0 0 rg BT 507.78 370.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.96 370.10 Td (which ) Tj ET Q q 0 0 0 rg BT 544.80 370.10 Td (they ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (occur) Tj ET Q q 0 0 0 rg BT 71.66 358.10 Td (. ) Tj ET Q q 0 0 0 rg BT 76.67 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.63 358.10 Td (An ) Tj ET Q q 0 0 0 rg BT 93.36 358.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 118.64 358.10 Td (also ) Tj ET Q q 0 0 0 rg BT 137.27 358.10 Td (should ) Tj ET Q q 0 0 0 rg BT 166.45 358.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 207.82 358.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 236.43 358.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 251.16 358.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 285.33 358.10 Td (regardless ) Tj ET Q q 0 0 0 rg BT 328.38 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.22 358.10 Td (whether ) Tj ET Q q 0 0 0 rg BT 373.94 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.67 358.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 418.94 358.10 Td (reduces ) Tj ET Q q 0 0 0 rg BT 451.99 358.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 475.05 358.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 508.66 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.95 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 533.68 358.10 Td (current ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (period. ) Tj ET Q q 0 0 0 rg BT 81.00 346.10 Td ( ) Tj ET Q q 0 0 0 rg BT 83.95 346.10 Td (For ) Tj ET Q q 0 0 0 rg BT 100.79 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 115.96 346.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 157.23 346.10 Td (of ) Tj ET Q q 0 0 0 rg BT 168.51 346.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 189.23 346.10 Td (flows, ) Tj ET Q q 0 0 0 rg BT 216.90 346.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 245.95 346.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 261.12 346.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 295.72 346.10 Td (should ) Tj ET Q q 0 0 0 rg BT 325.34 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 337.73 346.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 378.45 346.10 Td (along ) Tj ET Q q 0 0 0 rg BT 403.62 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 424.34 346.10 Td (other ) Tj ET Q q 0 0 0 rg BT 447.84 346.10 Td (income ) Tj ET Q q 0 0 0 rg BT 480.23 346.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 495.39 346.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 516.11 346.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 541.29 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 552.57 346.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (operating ) Tj ET Q q 0 0 0 rg BT 89.35 334.10 Td (activity) Tj ET Q q 0 0 0 rg BT 118.69 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 122.78 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 138.81 334.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 158.17 334.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 176.98 334.10 Td (by ) Tj ET Q q 0 0 0 rg BT 188.56 334.10 Td (an ) Tj ET Q q 0 0 0 rg BT 199.59 334.10 Td (employer ) Tj ET Q q 0 0 0 rg BT 238.95 334.10 Td (when ) Tj ET Q q 0 0 0 rg BT 262.19 334.10 Td (directly ) Tj ET Q q 0 0 0 rg BT 294.33 334.10 Td (withholding ) Tj ET Q q 0 0 0 rg BT 344.25 334.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 370.83 334.10 Td (for ) Tj ET Q q 0 0 0 rg BT 384.08 334.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 397.89 334.10 Td (withholding ) Tj ET Q q 0 0 0 rg BT 447.81 334.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 484.95 334.10 Td (should ) Tj ET Q q 0 0 0 rg BT 513.21 334.10 Td (be ) Tj ET Q q 0 0 0 rg BT 524.24 334.10 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.05 322.10 Td (a ) Tj ET Q q 0 0 0 rg BT 68.20 322.10 Td (financing ) Tj ET Q q 0 0 0 rg BT 108.68 322.10 Td (activity) Tj ET Q q 0 0 0 rg BT 138.02 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 143.24 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 145.76 322.10 Td (The ) Tj ET Q q 0 0 0 rg BT 164.03 322.10 Td (new ) Tj ET Q q 0 0 0 rg BT 183.40 322.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 236.66 322.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 275.47 322.10 Td (also ) Tj ET Q q 0 0 0 rg BT 294.30 322.10 Td (allows ) Tj ET Q q 0 0 0 rg BT 323.12 322.10 Td (an ) Tj ET Q q 0 0 0 rg BT 335.28 322.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 360.77 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 371.26 322.10 Td (make ) Tj ET Q q 0 0 0 rg BT 395.64 322.10 Td (an ) Tj ET Q q 0 0 0 rg BT 407.79 322.10 Td (entity-wide ) Tj ET Q q 0 0 0 rg BT 456.05 322.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 502.64 322.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 530.35 322.10 Td (election ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.98 310.10 Td (either ) Tj ET Q q 0 0 0 rg BT 86.95 310.10 Td (estimate ) Tj ET Q q 0 0 0 rg BT 123.48 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.90 310.10 Td (number ) Tj ET Q q 0 0 0 rg BT 172.65 310.10 Td (of ) Tj ET Q q 0 0 0 rg BT 184.19 310.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 215.72 310.10 Td (that ) Tj ET Q q 0 0 0 rg BT 233.92 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 249.33 310.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 288.07 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 299.05 310.10 Td (vest ) Tj ET Q q 0 0 0 rg BT 318.36 310.10 Td (or ) Tj ET Q q 0 0 0 rg BT 329.90 310.10 Td (account ) Tj ET Q q 0 0 0 rg BT 364.20 310.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.06 310.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 423.92 310.10 Td (when ) Tj ET Q q 0 0 0 rg BT 448.78 310.10 Td (they ) Tj ET Q q 0 0 0 rg BT 469.20 310.10 Td (occur) Tj ET Q q 0 0 0 rg BT 490.86 310.10 Td (. ) Tj ET Q q 0 0 0 rg BT 496.56 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 499.77 310.10 Td (In ) Tj ET Q q 0 0 0 rg BT 511.31 310.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 549.79 310.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (threshold ) Tj ET Q q 0 0 0 rg BT 91.52 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.61 298.10 Td (qualify ) Tj ET Q q 0 0 0 rg BT 136.24 298.10 Td (for ) Tj ET Q q 0 0 0 rg BT 152.21 298.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 181.51 298.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 238.57 298.10 Td (permits ) Tj ET Q q 0 0 0 rg BT 272.88 298.10 Td (withholding ) Tj ET Q q 0 0 0 rg BT 325.52 298.10 Td (up ) Tj ET Q q 0 0 0 rg BT 339.82 298.10 Td (to ) Tj ET Q q 0 0 0 rg BT 351.91 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 368.43 298.10 Td (maximum ) Tj ET Q q 0 0 0 rg BT 413.29 298.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 452.59 298.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 469.12 298.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 492.30 298.10 Td (in ) Tj ET Q q 0 0 0 rg BT 504.38 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.91 298.10 Td (applicable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (jurisdictions. ) Tj ET Q q 0 0 0 rg BT 104.49 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 107.03 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 109.39 286.10 Td (The ) Tj ET Q q 0 0 0 rg BT 127.48 286.10 Td (new ) Tj ET Q q 0 0 0 rg BT 146.68 286.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 199.76 286.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 238.40 286.10 Td (will ) Tj ET Q q 0 0 0 rg BT 256.50 286.10 Td (be ) Tj ET Q q 0 0 0 rg BT 268.48 286.10 Td (ef) Tj ET Q q 0 0 0 rg BT 276.07 286.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 305.81 286.10 Td (for ) Tj ET Q q 0 0 0 rg BT 320.02 286.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 359.21 286.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 391.19 286.10 Td (after ) Tj ET Q q 0 0 0 rg BT 412.05 286.10 Td (January ) Tj ET Q q 0 0 0 rg BT 445.69 286.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 455.74 286.10 Td (2017 ) Tj ET Q q 0 0 0 rg BT 478.28 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.26 286.10 Td (early ) Tj ET Q q 0 0 0 rg BT 517.79 286.10 Td (adoption ) Tj ET Q q 0 0 0 rg BT 555.33 286.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (permitted. ) Tj ET Q q 0 0 0 rg BT 93.10 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.21 274.10 Td (The ) Tj ET Q q 0 0 0 rg BT 113.03 274.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 154.19 274.10 Td (early ) Tj ET Q q 0 0 0 rg BT 176.45 274.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 210.38 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.87 274.10 Td (new ) Tj ET Q q 0 0 0 rg BT 243.81 274.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 282.18 274.10 Td (in ) Tj ET Q q 0 0 0 rg BT 292.23 274.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.73 274.10 Td (third ) Tj ET Q q 0 0 0 rg BT 327.89 274.10 Td (quarter ) Tj ET Q q 0 0 0 rg BT 358.48 274.10 Td (of ) Tj ET Q q 0 0 0 rg BT 369.08 274.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 393.86 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.57 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 421.18 274.10 Td (a ) Tj ET Q q 0 0 0 rg BT 427.89 274.10 Td (result, ) Tj ET Q q 0 0 0 rg BT 454.88 274.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 492.14 274.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.85 274.10 Td ($1.8 ) Tj ET Q q 0 0 0 rg BT 518.62 274.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.52 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 549.79 274.10 Td (tax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td (benefit ) Tj ET Q q 0 0 0 rg BT 80.26 262.10 Td (in ) Tj ET Q q 0 0 0 rg BT 90.54 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.26 262.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 152.34 262.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 197.05 262.10 Td (of ) Tj ET Q q 0 0 0 rg BT 207.88 262.10 Td (operations. ) Tj ET Q q 0 0 0 rg BT 254.54 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.86 262.10 Td (The ) Tj ET Q q 0 0 0 rg BT 274.90 262.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 316.29 262.10 Td (has ) Tj ET Q q 0 0 0 rg BT 332.12 262.10 Td (also ) Tj ET Q q 0 0 0 rg BT 350.73 262.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 381.54 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 391.82 262.10 Td (account ) Tj ET Q q 0 0 0 rg BT 425.41 262.10 Td (for ) Tj ET Q q 0 0 0 rg BT 439.57 262.10 Td (forfeitures ) Tj ET Q q 0 0 0 rg BT 483.72 262.10 Td (when ) Tj ET Q q 0 0 0 rg BT 507.88 262.10 Td (they ) Tj ET Q q 0 0 0 rg BT 527.59 262.10 Td (occur) Tj ET Q q 0 0 0 rg BT 549.25 262.10 Td (.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 69.75 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 74.40 238.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 93.59 238.10 Td (326 ) Tj ET Q q 0 0 0 rg BT 110.56 238.10 Td ("Financial ) Tj ET Q q 0 0 0 rg BT 155.62 238.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 204.81 238.10 Td (- ) Tj ET Q q 0 0 0 rg BT 210.12 238.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 220.31 238.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 237.28 238.10 Td (Losses." ) Tj ET Q q 0 0 0 rg BT 272.62 238.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.60 238.10 Td (New ) Tj ET Q q 0 0 0 rg BT 295.45 238.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 347.97 238.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 393.81 238.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 431.88 238.10 Td (under ) Tj ET Q q 0 0 0 rg BT 456.19 238.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 477.47 238.10 Td (T) Tj ET Q q 0 0 0 rg BT 482.88 238.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 502.07 238.10 Td (326 ) Tj ET Q q 0 0 0 rg BT 519.05 238.10 Td (") Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 523.13 238.10 Td (Financial ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 98.82 226.10 Td (- ) Tj ET Q q 0 0 0 rg BT 103.74 226.10 Td (Cr) Tj ET Q q 0 0 0 rg BT 113.93 226.10 Td (edit ) Tj ET Q q 0 0 0 rg BT 130.52 226.10 Td (Losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.19 226.10 Td (" ) Tj ET Q q 0 0 0 rg BT 162.87 226.10 Td (amended ) Tj ET Q q 0 0 0 rg BT 200.56 226.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.37 226.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 249.28 226.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 266.44 226.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 314.13 226.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 368.50 226.10 Td (in ) Tj ET Q q 0 0 0 rg BT 377.87 226.10 Td (current ) Tj ET Q q 0 0 0 rg BT 407.78 226.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 434.63 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 436.23 226.10 Td (with ) Tj ET Q q 0 0 0 rg BT 455.60 226.10 Td (a ) Tj ET Q q 0 0 0 rg BT 461.63 226.10 Td (methodology ) Tj ET Q q 0 0 0 rg BT 516.00 226.10 Td (that ) Tj ET Q q 0 0 0 rg BT 532.59 226.10 Td (reflects ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.73 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 114.70 214.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 141.79 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 159.43 214.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 194.84 214.10 Td (consideration ) Tj ET Q q 0 0 0 rg BT 251.91 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.44 214.10 Td (a ) Tj ET Q q 0 0 0 rg BT 271.08 214.10 Td (broader ) Tj ET Q q 0 0 0 rg BT 304.82 214.10 Td (range ) Tj ET Q q 0 0 0 rg BT 330.22 214.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.76 214.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 387.71 214.10 Td (and ) Tj ET Q q 0 0 0 rg BT 405.35 214.10 Td (supportable ) Tj ET Q q 0 0 0 rg BT 455.21 214.10 Td (information ) Tj ET Q q 0 0 0 rg BT 505.62 214.10 Td (for ) Tj ET Q q 0 0 0 rg BT 520.48 214.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 546.44 214.10 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td (estimates. ) Tj ET Q q 0 0 0 rg BT 92.83 202.10 Td ( ) Tj ET Q q 0 0 0 rg BT 95.72 202.10 Td (The ) Tj ET Q q 0 0 0 rg BT 114.38 202.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 170.80 202.10 Td (of ) Tj ET Q q 0 0 0 rg BT 182.25 202.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 220.89 202.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 246.77 202.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 273.78 202.10 Td (is ) Tj ET Q q 0 0 0 rg BT 283.56 202.10 Td (based ) Tj ET Q q 0 0 0 rg BT 309.44 202.10 Td (on ) Tj ET Q q 0 0 0 rg BT 322.56 202.10 Td (relevant ) Tj ET Q q 0 0 0 rg BT 357.87 202.10 Td (information ) Tj ET Q q 0 0 0 rg BT 408.20 202.10 Td (about ) Tj ET Q q 0 0 0 rg BT 433.53 202.10 Td (past ) Tj ET Q q 0 0 0 rg BT 452.75 202.10 Td (events, ) Tj ET Q q 0 0 0 rg BT 483.91 202.10 Td (including ) Tj ET Q q 0 0 0 rg BT 524.80 202.10 Td (historical ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (experience, ) Tj ET Q q 0 0 0 rg BT 97.93 190.10 Td (current ) Tj ET Q q 0 0 0 rg BT 128.37 190.10 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 174.67 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 191.23 190.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 236.11 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 252.68 190.10 Td (supportable ) Tj ET Q q 0 0 0 rg BT 301.46 190.10 Td (forecasts ) Tj ET Q q 0 0 0 rg BT 339.13 190.10 Td (that ) Tj ET Q q 0 0 0 rg BT 356.25 190.10 Td (af) Tj ET Q q 0 0 0 rg BT 363.84 190.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 380.95 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 395.30 190.10 Td (collectability ) Tj ET Q q 0 0 0 rg BT 449.63 190.10 Td (of ) Tj ET Q q 0 0 0 rg BT 460.08 190.10 Td (the ) Tj ET Q q 0 0 0 rg BT 474.43 190.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 509.87 190.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 544.50 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.47 190.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (new ) Tj ET Q q 0 0 0 rg BT 69.33 178.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 122.53 178.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 161.29 178.10 Td (also ) Tj ET Q q 0 0 0 rg BT 180.06 178.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 214.93 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 222.04 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 259.68 178.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 281.78 178.10 Td (\(or ) Tj ET Q q 0 0 0 rg BT 296.11 178.10 Td (a ) Tj ET Q q 0 0 0 rg BT 303.21 178.10 Td (group ) Tj ET Q q 0 0 0 rg BT 329.21 178.10 Td (of ) Tj ET Q q 0 0 0 rg BT 340.20 178.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 377.85 178.10 Td (assets\) ) Tj ET Q q 0 0 0 rg BT 407.17 178.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 448.15 178.10 Td (at ) Tj ET Q q 0 0 0 rg BT 458.04 178.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 500.68 178.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 519.46 178.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 542.12 178.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.56 178.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 90.56 166.10 Td (at ) Tj ET Q q 0 0 0 rg BT 100.02 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 114.49 166.10 Td (net ) Tj ET Q q 0 0 0 rg BT 128.95 166.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 161.19 166.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 198.97 166.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.99 166.10 Td (be ) Tj ET Q q 0 0 0 rg BT 220.68 166.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 259.01 166.10 Td (\(net ) Tj ET Q q 0 0 0 rg BT 276.81 166.10 Td (of ) Tj ET Q q 0 0 0 rg BT 287.38 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.85 166.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 344.62 166.10 Td (for ) Tj ET Q q 0 0 0 rg BT 358.53 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 383.54 166.10 Td (losses\). ) Tj ET Q q 0 0 0 rg BT 415.51 166.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.75 166.10 Td (In ) Tj ET Q q 0 0 0 rg BT 428.33 166.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 465.85 166.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.31 166.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 505.32 166.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 531.46 166.10 Td (relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.06 154.10 Td (available-for) Tj ET Q q 0 0 0 rg BT 110.94 154.10 Td (-sale ) Tj ET Q q 0 0 0 rg BT 132.10 154.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 151.60 154.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 191.65 154.10 Td (should ) Tj ET Q q 0 0 0 rg BT 220.61 154.10 Td (be ) Tj ET Q q 0 0 0 rg BT 232.33 154.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 269.59 154.10 Td (through ) Tj ET Q q 0 0 0 rg BT 302.98 154.10 Td (an ) Tj ET Q q 0 0 0 rg BT 314.70 154.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 357.52 154.10 Td (for ) Tj ET Q q 0 0 0 rg BT 371.46 154.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 396.51 154.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 422.69 154.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 448.29 154.10 Td (than ) Tj ET Q q 0 0 0 rg BT 467.79 154.10 Td (a ) Tj ET Q q 0 0 0 rg BT 474.51 154.10 Td (write-down. ) Tj ET Q q 0 0 0 rg BT 525.39 154.10 Td ( ) Tj ET Q q 0 0 0 rg BT 527.51 154.10 Td (The ) Tj ET Q q 0 0 0 rg BT 545.34 154.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 102.69 142.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 140.93 142.10 Td (will ) Tj ET Q q 0 0 0 rg BT 158.64 142.10 Td (be ) Tj ET Q q 0 0 0 rg BT 170.23 142.10 Td (ef) Tj ET Q q 0 0 0 rg BT 177.81 142.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 207.17 142.10 Td (for ) Tj ET Q q 0 0 0 rg BT 220.98 142.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 259.78 142.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 291.37 142.10 Td (after ) Tj ET Q q 0 0 0 rg BT 311.83 142.10 Td (January ) Tj ET Q q 0 0 0 rg BT 345.08 142.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 354.73 142.10 Td (2020. ) Tj ET Q q 0 0 0 rg BT 379.38 142.10 Td ( ) Tj ET Q q 0 0 0 rg BT 381.38 142.10 Td (The ) Tj ET Q q 0 0 0 rg BT 399.07 142.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 440.11 142.10 Td (is ) Tj ET Q q 0 0 0 rg BT 448.93 142.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 492.73 142.10 Td (the ) Tj ET Q q 0 0 0 rg BT 507.10 142.10 Td (new ) Tj ET Q q 0 0 0 rg BT 525.91 142.10 Td (guidance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 130.10 Td (expects ) Tj ET Q q 0 0 0 rg BT 99.43 130.10 Td (it ) Tj ET Q q 0 0 0 rg BT 107.49 130.10 Td (to ) Tj ET Q q 0 0 0 rg BT 117.77 130.10 Td (have ) Tj ET Q q 0 0 0 rg BT 139.16 130.10 Td (an ) Tj ET Q q 0 0 0 rg BT 151.10 130.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 180.81 130.10 Td (on ) Tj ET Q q 0 0 0 rg BT 193.32 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 208.04 130.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 255.12 130.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 299.84 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.67 130.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 354.83 130.10 Td (and ) Tj ET Q q 0 0 0 rg BT 371.77 130.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 409.26 130.10 Td (condition, ) Tj ET Q q 0 0 0 rg BT 452.04 130.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.76 130.10 Td (significance ) Tj ET Q q 0 0 0 rg BT 517.57 130.10 Td (of ) Tj ET Q q 0 0 0 rg BT 528.40 130.10 Td (which ) Tj ET Q q 0 0 0 rg BT 555.35 130.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 118.10 Td (yet ) Tj ET Q q 0 0 0 rg BT 80.00 118.10 Td (known. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 94.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.75 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.39 94.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 95.58 94.10 Td (230 ) Tj ET Q q 0 0 0 rg BT 113.55 94.10 Td ("Statement ) Tj ET Q q 0 0 0 rg BT 160.16 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 170.91 94.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 194.44 94.10 Td (Flows." ) Tj ET Q q 0 0 0 rg BT 228.56 94.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.53 94.10 Td (New ) Tj ET Q q 0 0 0 rg BT 253.38 94.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 306.89 94.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 353.73 94.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 392.80 94.10 Td (under ) Tj ET Q q 0 0 0 rg BT 417.88 94.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 440.09 94.10 Td (T) Tj ET Q q 0 0 0 rg BT 445.50 94.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 465.69 94.10 Td (230 ) Tj ET Q q 0 0 0 rg BT 483.66 94.10 Td ("Statement ) Tj ET Q q 0 0 0 rg BT 530.70 94.10 Td (of ) Tj ET Q q 0 0 0 rg BT 542.01 94.10 Td (Cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.10 Td (Flows" ) Tj ET Q q 0 0 0 rg BT 81.51 82.10 Td (addresses ) Tj ET Q q 0 0 0 rg BT 122.80 82.10 Td (eight ) Tj ET Q q 0 0 0 rg BT 145.77 82.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 179.84 82.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 200.58 82.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 221.88 82.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 277.62 82.10 Td (issues ) Tj ET Q q 0 0 0 rg BT 304.48 82.10 Td (with ) Tj ET Q q 0 0 0 rg BT 325.23 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 340.42 82.10 Td (objective ) Tj ET Q q 0 0 0 rg BT 380.05 82.10 Td (of ) Tj ET Q q 0 0 0 rg BT 391.35 82.10 Td (reducing ) Tj ET Q q 0 0 0 rg BT 429.31 82.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.50 82.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 479.14 82.10 Td (diversity ) Tj ET Q q 0 0 0 rg BT 517.11 82.10 Td (in ) Tj ET Q q 0 0 0 rg BT 527.86 82.10 Td (practice. ) Tj ET Q q 0 0 0 rg BT 564.50 82.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.98 70.10 Td (new ) Tj ET Q q 0 0 0 rg BT 87.07 70.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 140.04 70.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 178.57 70.10 Td (will ) Tj ET Q q 0 0 0 rg BT 196.56 70.10 Td (be ) Tj ET Q q 0 0 0 rg BT 208.43 70.10 Td (ef) Tj ET Q q 0 0 0 rg BT 216.02 70.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 245.65 70.10 Td (for ) Tj ET Q q 0 0 0 rg BT 259.75 70.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 298.84 70.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 330.71 70.10 Td (after ) Tj ET Q q 0 0 0 rg BT 351.46 70.10 Td (January ) Tj ET Q q 0 0 0 rg BT 384.99 70.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 394.92 70.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 419.85 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 422.29 70.10 Td ( ) Tj ET Q q 0 0 0 rg BT 424.54 70.10 Td (This ) Tj ET Q q 0 0 0 rg BT 444.76 70.10 Td (new ) Tj ET Q q 0 0 0 rg BT 463.85 70.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 516.82 70.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 555.35 70.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.10 Td (not ) Tj ET Q q 0 0 0 rg BT 65.28 58.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 103.31 58.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.59 58.10 Td (have ) Tj ET Q q 0 0 0 rg BT 134.97 58.10 Td (a ) Tj ET Q q 0 0 0 rg BT 141.90 58.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 186.62 58.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 216.33 58.10 Td (on ) Tj ET Q q 0 0 0 rg BT 228.83 58.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.54 58.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 290.63 58.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 335.34 58.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.17 58.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 390.32 58.10 Td (or ) Tj ET Q q 0 0 0 rg BT 401.15 58.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 438.63 58.10 Td (condition.) Tj ET Q endstream endobj 177 0 obj <> endobj 178 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (88) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.84 742.10 Td (New ) Tj ET Q q 0 0 0 rg BT 74.56 742.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 127.93 742.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 174.64 742.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 213.57 742.10 Td (under ) Tj ET Q q 0 0 0 rg BT 238.55 742.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 260.63 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 266.04 742.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 286.10 742.10 Td (230 ) Tj ET Q q 0 0 0 rg BT 303.93 742.10 Td ("Statement ) Tj ET Q q 0 0 0 rg BT 350.84 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 362.01 742.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 384.85 742.10 Td (Flows" ) Tj ET Q q 0 0 0 rg BT 416.22 742.10 Td (amends ) Tj ET Q q 0 0 0 rg BT 449.60 742.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 471.88 742.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 510.81 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.42 742.10 Td (require ) Tj ET Q q 0 0 0 rg BT 552.58 742.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 75.78 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 86.56 730.10 Td (include ) Tj ET Q q 0 0 0 rg BT 119.00 730.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 155.89 730.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 196.10 730.10 Td (described ) Tj ET Q q 0 0 0 rg BT 237.42 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 248.75 730.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 288.96 730.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 309.73 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 327.17 730.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 367.38 730.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 388.15 730.10 Td (equivalents ) Tj ET Q q 0 0 0 rg BT 436.70 730.10 Td (with ) Tj ET Q q 0 0 0 rg BT 457.48 730.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 478.25 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 495.70 730.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 516.47 730.10 Td (equivalents ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (when ) Tj ET Q q 0 0 0 rg BT 75.25 718.10 Td (reconciling ) Tj ET Q q 0 0 0 rg BT 123.83 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 139.64 718.10 Td (beginning ) Tj ET Q q 0 0 0 rg BT 183.22 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 195.15 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 224.29 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 242.32 718.10 Td (end ) Tj ET Q q 0 0 0 rg BT 260.35 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.27 718.10 Td (period ) Tj ET Q q 0 0 0 rg BT 301.41 718.10 Td (total ) Tj ET Q q 0 0 0 rg BT 322.78 718.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 360.26 718.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 389.96 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 403.56 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.37 718.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 461.28 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.20 718.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 494.56 718.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 522.88 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 526.21 718.10 Td (The ) Tj ET Q q 0 0 0 rg BT 545.35 718.10 Td (new ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 102.16 706.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 139.88 706.10 Td (will ) Tj ET Q q 0 0 0 rg BT 157.06 706.10 Td (be ) Tj ET Q q 0 0 0 rg BT 168.13 706.10 Td (ef) Tj ET Q q 0 0 0 rg BT 175.71 706.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 204.54 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 217.83 706.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 256.11 706.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 287.17 706.10 Td (after ) Tj ET Q q 0 0 0 rg BT 307.11 706.10 Td (January ) Tj ET Q q 0 0 0 rg BT 339.83 706.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 348.96 706.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 373.08 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.71 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 376.22 706.10 Td (This ) Tj ET Q q 0 0 0 rg BT 395.62 706.10 Td (new ) Tj ET Q q 0 0 0 rg BT 413.90 706.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 466.07 706.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 503.79 706.10 Td (is ) Tj ET Q q 0 0 0 rg BT 512.08 706.10 Td (not ) Tj ET Q q 0 0 0 rg BT 526.48 706.10 Td (expected ) 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 60.28 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 81.66 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.59 694.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 133.31 694.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 163.02 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 175.52 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 190.23 694.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 237.31 694.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 282.03 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 292.86 694.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 337.01 694.10 Td (or ) Tj ET Q q 0 0 0 rg BT 347.84 694.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 385.32 694.10 Td (condition. ) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.03 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.67 670.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.14 670.10 Td (740 ) Tj ET Q q 0 0 0 rg BT 114.39 670.10 Td ("Income ) Tj ET Q q 0 0 0 rg BT 151.27 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 155.91 670.10 Td (axes." ) Tj ET Q q 0 0 0 rg BT 183.63 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.88 670.10 Td (New ) Tj ET Q q 0 0 0 rg BT 209.02 670.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 262.80 670.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 309.93 670.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 349.27 670.10 Td (under ) Tj ET Q q 0 0 0 rg BT 374.57 670.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 397.04 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 402.45 670.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 422.92 670.10 Td (740 ) Tj ET Q q 0 0 0 rg BT 441.17 670.10 Td ("Income ) Tj ET Q q 0 0 0 rg BT 478.25 670.10 Td (T) Tj ET Q q 0 0 0 rg BT 483.67 670.10 Td (axes" ) Tj ET Q q 0 0 0 rg BT 508.77 670.10 Td (amends ) Tj ET Q q 0 0 0 rg BT 542.56 670.10 Td (prior ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 88.40 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.48 658.10 Td (require ) Tj ET Q q 0 0 0 rg BT 129.10 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 140.84 658.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 165.92 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 176.01 658.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 217.17 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 231.69 658.10 Td (income ) Tj ET Q q 0 0 0 rg BT 263.43 658.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 277.95 658.10 Td (consequences ) Tj ET Q q 0 0 0 rg BT 335.23 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.87 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 357.61 658.10 Td (intra-entity ) Tj ET Q q 0 0 0 rg BT 404.35 658.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 437.19 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 447.82 658.10 Td (an ) Tj ET Q q 0 0 0 rg BT 459.57 658.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 481.31 658.10 Td (other ) Tj ET Q q 0 0 0 rg BT 504.16 658.10 Td (than ) Tj ET Q q 0 0 0 rg BT 523.68 658.10 Td (inventory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (when ) Tj ET Q q 0 0 0 rg BT 75.07 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 90.69 646.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 124.64 646.10 Td (occurs. ) Tj ET Q q 0 0 0 rg BT 156.64 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.80 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 178.76 646.10 Td (new ) Tj ET Q q 0 0 0 rg BT 198.82 646.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 252.77 646.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 292.27 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 311.23 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 324.08 646.10 Td (ef) Tj ET Q q 0 0 0 rg BT 331.67 646.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 362.28 646.10 Td (for ) Tj ET Q q 0 0 0 rg BT 377.34 646.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 417.41 646.10 Td (periods ) Tj ET Q q 0 0 0 rg BT 450.25 646.10 Td (after ) Tj ET Q q 0 0 0 rg BT 471.97 646.10 Td (January ) Tj ET Q q 0 0 0 rg BT 506.48 646.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 517.39 646.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 543.29 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 646.10 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 91.39 634.10 Td (is ) Tj ET Q q 0 0 0 rg BT 100.56 634.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 144.71 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.42 634.10 Td (new ) Tj ET Q q 0 0 0 rg BT 178.58 634.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 217.18 634.10 Td (and ) Tj ET Q q 0 0 0 rg BT 234.12 634.10 Td (its ) Tj ET Q q 0 0 0 rg BT 246.06 634.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 275.78 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 288.28 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 302.99 634.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 350.07 634.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 394.79 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 405.62 634.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 449.77 634.10 Td (or ) Tj ET Q q 0 0 0 rg BT 460.60 634.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 498.08 634.10 Td (condition.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 70.68 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 75.32 610.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 95.43 610.10 Td (350 ) Tj ET Q q 0 0 0 rg BT 113.33 610.10 Td ("Intangibles-Goodwill ) Tj ET Q q 0 0 0 rg BT 205.98 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 223.88 610.10 Td (Other) Tj ET Q q 0 0 0 rg BT 246.10 610.10 Td (." ) Tj ET Q q 0 0 0 rg BT 255.70 610.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.60 610.10 Td (New ) Tj ET Q q 0 0 0 rg BT 280.38 610.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 333.81 610.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 380.58 610.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 419.57 610.10 Td (under ) Tj ET Q q 0 0 0 rg BT 444.60 610.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 466.74 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 472.15 610.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 492.27 610.10 Td (350 ) Tj ET Q q 0 0 0 rg BT 510.16 610.10 Td ("Intangibles-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 89.63 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 105.91 598.10 Td (Other" ) Tj ET Q q 0 0 0 rg BT 134.61 598.10 Td (amends ) Tj ET Q q 0 0 0 rg BT 167.00 598.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 188.29 598.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 226.23 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 235.85 598.10 Td (eliminate ) Tj ET Q q 0 0 0 rg BT 274.91 598.10 Td (Step ) Tj ET Q q 0 0 0 rg BT 294.53 598.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 301.38 598.10 Td (from ) Tj ET Q q 0 0 0 rg BT 322.67 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.73 598.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 374.14 598.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 422.08 598.10 Td (test ) Tj ET Q q 0 0 0 rg BT 437.81 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 454.10 598.10 Td (require ) Tj ET Q q 0 0 0 rg BT 484.26 598.10 Td (an ) Tj ET Q q 0 0 0 rg BT 495.55 598.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 520.17 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.79 598.10 Td (perform ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (its ) Tj ET Q q 0 0 0 rg BT 61.60 586.10 Td (annual, ) Tj ET Q q 0 0 0 rg BT 92.90 586.10 Td (or ) Tj ET Q q 0 0 0 rg BT 103.38 586.10 Td (interim, ) Tj ET Q q 0 0 0 rg BT 136.91 586.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 174.61 586.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 222.86 586.10 Td (test ) Tj ET Q q 0 0 0 rg BT 238.89 586.10 Td (by ) Tj ET Q q 0 0 0 rg BT 251.04 586.10 Td (comparing ) Tj ET Q q 0 0 0 rg BT 295.95 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.31 586.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 326.34 586.10 Td (value ) Tj ET Q q 0 0 0 rg BT 350.14 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 360.62 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 367.20 586.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 406.01 586.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 423.71 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 443.64 586.10 Td (its ) Tj ET Q q 0 0 0 rg BT 455.23 586.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 490.69 586.10 Td (amount. ) Tj ET Q q 0 0 0 rg BT 524.86 586.10 Td (An ) Tj ET Q q 0 0 0 rg BT 539.23 586.10 Td (entity ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (should ) Tj ET Q q 0 0 0 rg BT 79.98 574.10 Td (recognize ) Tj ET Q q 0 0 0 rg BT 122.15 574.10 Td (an ) Tj ET Q q 0 0 0 rg BT 134.90 574.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 184.31 574.10 Td (char) Tj ET Q q 0 0 0 rg BT 201.33 574.10 Td (ge ) Tj ET Q q 0 0 0 rg BT 214.08 574.10 Td (for ) Tj ET Q q 0 0 0 rg BT 229.05 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 244.58 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 277.88 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 291.19 574.10 Td (which ) Tj ET Q q 0 0 0 rg BT 318.94 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.47 574.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 371.09 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 404.40 574.10 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 439.35 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 454.88 574.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 494.84 574.10 Td (unit) Tj ET Q q 0 0 0 rg BT 513.18 574.10 Td (s ) Tj ET Q q 0 0 0 rg BT 520.38 574.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 537.57 574.10 Td (value; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (however) Tj ET Q q 0 0 0 rg BT 84.03 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 89.58 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 104.85 562.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 123.47 562.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 170.39 562.10 Td (should ) Tj ET Q q 0 0 0 rg BT 200.11 562.10 Td (not ) Tj ET Q q 0 0 0 rg BT 215.94 562.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 246.75 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.02 562.10 Td (total ) Tj ET Q q 0 0 0 rg BT 282.85 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 315.90 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.28 562.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 365.89 562.10 Td (allocated ) Tj ET Q q 0 0 0 rg BT 405.04 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.87 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 433.92 562.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 473.63 562.10 Td (unit. ) Tj ET Q q 0 0 0 rg BT 494.74 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.12 562.10 Td (Additionally) Tj ET Q q 0 0 0 rg BT 547.02 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 552.58 562.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (entity ) Tj ET Q q 0 0 0 rg BT 75.79 550.10 Td (should ) Tj ET Q q 0 0 0 rg BT 105.48 550.10 Td (consider ) Tj ET Q q 0 0 0 rg BT 142.37 550.10 Td (income ) Tj ET Q q 0 0 0 rg BT 174.82 550.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 190.06 550.10 Td (ef) Tj ET Q q 0 0 0 rg BT 197.65 550.10 Td (fects ) Tj ET Q q 0 0 0 rg BT 219.54 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 242.00 550.10 Td (any ) Tj ET Q q 0 0 0 rg BT 259.45 550.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 274.69 550.10 Td (deductible ) Tj ET Q q 0 0 0 rg BT 319.36 550.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 357.93 550.10 Td (on ) Tj ET Q q 0 0 0 rg BT 370.95 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.18 550.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 422.51 550.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 455.53 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 466.88 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.11 550.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 521.78 550.10 Td (unit ) Tj ET Q q 0 0 0 rg BT 540.36 550.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 94.75 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.06 538.10 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 148.71 538.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 197.90 538.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 219.05 538.10 Td (if ) Tj ET Q q 0 0 0 rg BT 228.25 538.10 Td (applicable. ) Tj ET Q q 0 0 0 rg BT 274.93 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 277.80 538.10 Td (The ) Tj ET Q q 0 0 0 rg BT 296.44 538.10 Td (new ) Tj ET Q q 0 0 0 rg BT 316.19 538.10 Td (authoritative ) Tj ET Q q 0 0 0 rg BT 369.82 538.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 409.01 538.10 Td (will ) Tj ET Q q 0 0 0 rg BT 427.66 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 440.19 538.10 Td (ef) Tj ET Q q 0 0 0 rg BT 447.78 538.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 478.07 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 492.82 538.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 532.57 538.10 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (after ) Tj ET Q q 0 0 0 rg BT 71.06 526.10 Td (January ) Tj ET Q q 0 0 0 rg BT 104.91 526.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 115.16 526.10 Td (2020. ) Tj ET Q q 0 0 0 rg BT 140.41 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.96 526.10 Td (The ) Tj ET Q q 0 0 0 rg BT 161.26 526.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.89 526.10 Td (is ) Tj ET Q q 0 0 0 rg BT 212.31 526.10 Td (evaluating ) Tj ET Q q 0 0 0 rg BT 256.71 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.68 526.10 Td (new ) Tj ET Q q 0 0 0 rg BT 291.09 526.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 329.93 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 347.12 526.10 Td (its ) Tj ET Q q 0 0 0 rg BT 359.31 526.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 389.27 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 402.02 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.99 526.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 464.32 526.10 Td (statements ) Tj ET Q q 0 0 0 rg BT 509.28 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 520.36 526.10 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 514.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 104.42 514.10 Td (condition.) 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 50 488.7669921875 m 120.537109375 488.7669921875 l s q 0 0 0 rg BT 50.00 490.10 Td (Reclassifications:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.54 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.48 490.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 159.85 490.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 184.23 490.10 Td (period ) Tj ET Q q 0 0 0 rg BT 214.72 490.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 253.55 490.10 Td (have ) Tj ET Q q 0 0 0 rg BT 277.37 490.10 Td (been ) Tj ET Q q 0 0 0 rg BT 301.19 490.10 Td (reclassified ) Tj ET Q q 0 0 0 rg BT 351.66 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 364.38 490.10 Td (conform ) Tj ET Q q 0 0 0 rg BT 403.20 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 415.92 490.10 Td (current ) Tj ET Q q 0 0 0 rg BT 449.18 490.10 Td (period ) Tj ET Q q 0 0 0 rg BT 479.67 490.10 Td (presentation. ) Tj ET Q q 0 0 0 rg BT 538.13 490.10 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (reclassifications ) Tj ET Q q 0 0 0 rg BT 116.92 478.10 Td (did ) Tj ET Q q 0 0 0 rg BT 132.20 478.10 Td (not ) Tj ET Q q 0 0 0 rg BT 147.48 478.10 Td (result ) Tj ET Q q 0 0 0 rg BT 172.19 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 182.47 478.10 Td (any ) Tj ET Q q 0 0 0 rg BT 199.41 478.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 234.12 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 244.39 478.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 289.11 478.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 324.93 478.10 Td (net ) Tj ET Q q 0 0 0 rg BT 339.64 478.10 Td (income ) Tj ET Q q 0 0 0 rg BT 371.58 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 382.41 478.10 Td (stockholders) Tj ET Q q 0 0 0 rg BT 435.54 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 438.04 478.10 Td (equity) Tj ET Q q 0 0 0 rg BT 462.39 478.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td () Tj ET Q endstream endobj 179 0 obj <> endobj 180 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (89) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 2. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Business Combinations) 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 50 716.68505859375 m 164.7998046875 716.68505859375 l s q 0 0 0 rg BT 50.00 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.75 718.25 Td (aylor) Tj ET Q q 0 0 0 rg BT 77.79 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 80.55 718.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 114.99 718.25 Td (Gr) Tj ET Q q 0 0 0 rg BT 127.02 718.25 Td (oup, ) Tj ET Q q 0 0 0 rg BT 148.41 718.25 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 164.80 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 167.56 718.25 Td (On ) Tj ET Q q 0 0 0 rg BT 181.94 718.25 Td (August ) Tj ET Q q 0 0 0 rg BT 213.59 718.25 Td (18, ) Tj ET Q q 0 0 0 rg BT 228.86 718.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 254.12 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 269.10 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 310.75 718.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 347.74 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 353.15 718.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 376.46 718.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 408.11 718.25 Td (Group, ) Tj ET Q q 0 0 0 rg BT 438.92 718.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 456.95 718.25 Td (\(T) Tj ET Q q 0 0 0 rg BT 470.13 718.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 493.44 718.25 Td (Capital\), ) Tj ET Q q 0 0 0 rg BT 535.36 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 542.56 718.25 Td (bank ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (holding ) Tj ET Q q 0 0 0 rg BT 82.62 706.25 Td (company ) Tj ET Q q 0 0 0 rg BT 121.33 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 137.83 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 152.11 706.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 179.16 706.25 Td (company ) Tj ET Q q 0 0 0 rg BT 217.87 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.26 706.25 Td (Cole ) Tj ET Q q 0 0 0 rg BT 249.06 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 254.47 706.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 277.08 706.25 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 302.75 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 309.25 706.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 358.50 706.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 380.00 706.25 Td (headquartered ) Tj ET Q q 0 0 0 rg BT 438.69 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 448.53 706.25 Td (Chicago, ) Tj ET Q q 0 0 0 rg BT 486.42 706.25 Td (through ) Tj ET Q q 0 0 0 rg BT 519.59 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 533.86 706.25 Td (mer) Tj ET Q q 0 0 0 rg BT 549.23 706.25 Td (ger ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 67.93 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 74.59 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 80.00 694.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 102.93 694.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 134.20 694.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 150.68 694.25 Td (ger\) ) Tj ET Q q 0 0 0 rg BT 173.60 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.15 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 189.56 694.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 212.49 694.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 243.76 694.25 Td (with ) Tj ET Q q 0 0 0 rg BT 263.92 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 280.75 694.25 Td (into ) Tj ET Q q 0 0 0 rg BT 298.69 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 313.29 694.25 Td (Company) Tj ET Q q 0 0 0 rg BT 351.53 694.25 Td (, ) Tj ET Q q 0 0 0 rg BT 356.42 694.25 Td (followed ) Tj ET Q q 0 0 0 rg BT 394.35 694.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 446.72 694.25 Td (by ) Tj ET Q q 0 0 0 rg BT 459.11 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.71 694.25 Td (mer) Tj ET Q q 0 0 0 rg BT 489.08 694.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 504.24 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.95 694.25 Td (Cole ) Tj ET Q q 0 0 0 rg BT 536.05 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 541.46 694.25 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 73.49 682.25 Td (with ) Tj ET Q q 0 0 0 rg BT 93.64 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 110.46 682.25 Td (into ) Tj ET Q q 0 0 0 rg BT 128.39 682.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 146.33 682.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 185.92 682.25 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 211.90 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 214.11 682.25 Td (This ) Tj ET Q q 0 0 0 rg BT 234.26 682.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 280.51 682.25 Td (solidifies ) Tj ET Q q 0 0 0 rg BT 319.55 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 334.15 682.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 381.10 682.25 Td (market ) Tj ET Q q 0 0 0 rg BT 411.25 682.25 Td (position ) Tj ET Q q 0 0 0 rg BT 445.85 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 456.00 682.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 491.71 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 508.52 682.25 Td (diversifies ) Tj ET Q q 0 0 0 rg BT 552.55 682.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 84.56 670.25 Td (streams. ) Tj ET Q q 0 0 0 rg BT 120.51 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 122.78 670.25 Td (At ) Tj ET Q q 0 0 0 rg BT 135.69 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.82 670.25 Td (ef) Tj ET Q q 0 0 0 rg BT 158.41 670.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 188.52 670.25 Td (time ) Tj ET Q q 0 0 0 rg BT 209.20 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 220.44 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 235.57 670.25 Td (mer) Tj ET Q q 0 0 0 rg BT 250.94 670.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 266.61 670.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 285.07 670.25 Td (T) Tj ET Q q 0 0 0 rg BT 294.92 670.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 318.38 670.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 350.17 670.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 366.65 670.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 382.33 670.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 391.58 670.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 421.49 670.25 Td (T) Tj ET Q q 0 0 0 rg BT 427.24 670.25 Td (ime\), ) Tj ET Q q 0 0 0 rg BT 455.42 670.25 Td (each ) Tj ET Q q 0 0 0 rg BT 476.64 670.25 Td (share ) Tj ET Q q 0 0 0 rg BT 500.65 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 511.89 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.02 670.25 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 72.94 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 82.97 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 88.38 658.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 110.76 658.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 141.47 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 157.75 658.25 Td (each ) Tj ET Q q 0 0 0 rg BT 177.89 658.25 Td (share ) Tj ET Q q 0 0 0 rg BT 200.82 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.99 658.25 Td (nonvoting ) Tj ET Q q 0 0 0 rg BT 253.38 658.25 Td (convertible ) Tj ET Q q 0 0 0 rg BT 300.19 658.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 338.66 658.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 361.60 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 371.63 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 377.04 658.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 399.42 658.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 430.13 658.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 471.39 658.25 Td (into ) Tj ET Q q 0 0 0 rg BT 488.78 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 502.83 658.25 Td (right ) Tj ET Q q 0 0 0 rg BT 523.55 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 533.16 658.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.79 646.25 Td (0.64318) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.29 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 100.42 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 111.88 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 119.44 646.25 Td (share ) Tj ET Q q 0 0 0 rg BT 143.67 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 155.13 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.48 646.25 Td (common ) Tj ET Q q 0 0 0 rg BT 208.60 646.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 232.84 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.30 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.64 646.25 Td (Company) Tj ET Q q 0 0 0 rg BT 297.88 646.25 Td (, ) Tj ET Q q 0 0 0 rg BT 303.51 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 321.08 646.25 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 335.87 646.25 Td ($4.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.37 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 361.49 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 372.40 646.25 Td (cash. ) Tj ET Q q 0 0 0 rg BT 395.80 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 398.24 646.25 Td (All ) Tj ET Q q 0 0 0 rg BT 414.14 646.25 Td (in-the-money ) Tj ET Q q 0 0 0 rg BT 479.80 646.25 Td (T) Tj ET Q q 0 0 0 rg BT 485.21 646.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 508.88 646.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 540.89 646.25 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (options ) Tj ET Q q 0 0 0 rg BT 82.10 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 99.19 634.25 Td (warrants ) Tj ET Q q 0 0 0 rg BT 136.27 634.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 185.59 634.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 238.23 634.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 260.32 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.75 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 285.43 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 290.84 634.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 314.04 634.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.57 634.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 362.05 634.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 377.48 634.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 386.73 634.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 416.40 634.25 Td (T) Tj ET Q q 0 0 0 rg BT 422.15 634.25 Td (ime ) Tj ET Q q 0 0 0 rg BT 439.80 634.25 Td (were ) Tj ET Q q 0 0 0 rg BT 461.88 634.25 Td (canceled ) Tj ET Q q 0 0 0 rg BT 499.51 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 509.94 634.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 550.34 634.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.35 622.25 Td (right ) Tj ET Q q 0 0 0 rg BT 85.37 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.28 622.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 126.28 622.25 Td (a ) Tj ET Q q 0 0 0 rg BT 132.85 622.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 152.75 622.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 189.31 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 199.78 622.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 237.46 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 247.37 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 261.72 622.25 Td (mer) Tj ET Q q 0 0 0 rg BT 277.08 622.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 291.99 622.25 Td (agreement, ) Tj ET Q q 0 0 0 rg BT 338.26 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 348.72 622.25 Td (were ) Tj ET Q q 0 0 0 rg BT 370.28 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 384.63 622.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 433.43 622.25 Td (unvested ) Tj ET Q q 0 0 0 rg BT 471.11 622.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 510.45 622.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 533.69 622.25 Td (awards ) 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 60.33 610.25 Td (T) Tj ET Q q 0 0 0 rg BT 65.74 610.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 88.44 610.25 Td (Capital; ) Tj ET Q q 0 0 0 rg BT 122.26 610.25 Td (however) Tj ET Q q 0 0 0 rg BT 156.28 610.25 Td (, ) Tj ET Q q 0 0 0 rg BT 160.94 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 175.31 610.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 195.23 610.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 251.26 610.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 284.51 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 298.32 610.25 Td (such ) Tj ET Q q 0 0 0 rg BT 318.81 610.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 358.17 610.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 381.43 610.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 411.90 610.25 Td (will ) Tj ET Q q 0 0 0 rg BT 429.62 610.25 Td (remain ) Tj ET Q q 0 0 0 rg BT 459.53 610.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 490.01 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 499.95 610.25 Td (vesting ) Tj ET Q q 0 0 0 rg BT 530.99 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 541.47 610.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (lapse ) Tj ET Q q 0 0 0 rg BT 73.26 598.25 Td (restrictions. ) Tj ET Q q 0 0 0 rg BT 122.91 598.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 145.61 598.25 Td (share ) Tj ET Q q 0 0 0 rg BT 169.43 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 180.28 598.25 Td (T) Tj ET Q q 0 0 0 rg BT 185.69 598.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 208.95 598.25 Td (Capital) Tj ET Q q 0 0 0 rg BT 240.61 598.25 Td (s ) Tj ET Q q 0 0 0 rg BT 247.22 598.25 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 287.14 598.25 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 352.61 598.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 391.97 598.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 418.29 598.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 444.85 598.25 Td (A, ) Tj ET Q q 0 0 0 rg BT 457.28 598.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 499.42 598.25 Td (into ) Tj ET Q q 0 0 0 rg BT 517.70 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.63 598.25 Td (right ) Tj ET Q q 0 0 0 rg BT 554.23 598.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 81.36 586.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.80 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 98.30 586.25 Td (share ) Tj ET Q q 0 0 0 rg BT 121.90 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 132.73 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.45 586.25 Td (Company) Tj ET Q q 0 0 0 rg BT 189.11 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 195.50 586.25 Td (perpetual ) Tj ET Q q 0 0 0 rg BT 235.21 586.25 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 300.46 586.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 339.60 586.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 365.71 586.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 392.09 586.25 Td (A. ) Tj ET Q q 0 0 0 rg BT 404.32 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 406.82 586.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.19 562.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.73 562.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 137.38 562.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.78 562.25 Td (19.6 ) Tj ET Q q 0 0 0 rg BT 217.93 562.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.82 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 249.47 562.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 277.11 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 288.09 562.25 Td (common ) Tj ET Q q 0 0 0 rg BT 325.73 562.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 349.49 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 366.57 562.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 386.44 562.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.85 562.25 Td ($129.5 ) Tj ET Q q 0 0 0 rg BT 476.99 562.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.88 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 508.53 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.96 562.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.38 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 562.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 550.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 78.92 550.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 110.77 550.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 127.25 550.25 Td (ger) Tj ET Q q 0 0 0 rg BT 139.47 550.25 Td (. ) Tj ET Q q 0 0 0 rg BT 144.93 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.90 550.25 Td (For ) Tj ET Q q 0 0 0 rg BT 164.76 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.94 550.25 Td (in-the-money ) Tj ET Q q 0 0 0 rg BT 245.44 550.25 Td (T) Tj ET Q q 0 0 0 rg BT 250.85 550.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 274.37 550.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 306.21 550.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 330.29 550.25 Td (options ) Tj ET Q q 0 0 0 rg BT 362.70 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.11 550.25 Td (warrants, ) Tj ET Q q 0 0 0 rg BT 420.00 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.19 550.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 477.04 550.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 497.22 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 507.97 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.15 550.25 Td (aggregate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 110.50 538.25 Td ($4.4 ) Tj ET Q q 0 0 0 rg BT 130.74 538.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.63 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 162.38 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 172.90 538.25 Td (cash. ) Tj ET Q q 0 0 0 rg BT 195.91 538.25 Td (For ) Tj ET Q q 0 0 0 rg BT 212.54 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 227.50 538.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 276.90 538.25 Td (unvested ) Tj ET Q q 0 0 0 rg BT 314.99 538.25 Td (T) Tj ET Q q 0 0 0 rg BT 320.40 538.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 343.69 538.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 375.32 538.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 415.26 538.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 439.11 538.25 Td (awards, ) Tj ET Q q 0 0 0 rg BT 472.67 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.63 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 529.26 538.25 Td (will ) Tj ET Q q 0 0 0 rg BT 547.56 538.25 Td (pay ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 526.25 Td (has ) Tj ET Q q 0 0 0 rg BT 76.67 526.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 96.39 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 106.67 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.39 526.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 162.76 526.25 Td (up ) Tj ET Q q 0 0 0 rg BT 175.26 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 185.54 526.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.81 526.25 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 265.81 526.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.70 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 297.21 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 307.49 526.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 330.26 526.25 Td (as ) Tj ET Q q 0 0 0 rg BT 341.09 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.04 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 368.32 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.04 526.25 Td (extent ) Tj ET Q q 0 0 0 rg BT 409.98 526.25 Td (such ) Tj ET Q q 0 0 0 rg BT 430.81 526.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 461.64 526.25 Td (vest. ) Tj ET Q q 0 0 0 rg BT 482.75 526.25 Td ( ) Tj ET Q q 0 0 0 rg BT 485.07 526.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.12 526.25 Td ($129.5 ) Tj ET Q q 0 0 0 rg BT 533.13 526.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.27 514.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 126.64 514.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 162.47 514.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 203.29 514.25 Td (for ) Tj ET Q q 0 0 0 rg BT 217.45 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 231.99 514.25 Td (T) Tj ET Q q 0 0 0 rg BT 237.40 514.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 260.44 514.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 291.83 514.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 315.43 514.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 349.88 514.25 Td (warrants ) Tj ET Q q 0 0 0 rg BT 386.81 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 403.75 514.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 443.45 514.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 467.06 514.25 Td (awards.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.08 490.25 Td (business ) Tj ET Q q 0 0 0 rg BT 106.28 490.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 158.58 490.25 Td (was ) Tj ET Q q 0 0 0 rg BT 176.44 490.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 219.27 490.25 Td (for ) Tj ET Q q 0 0 0 rg BT 233.24 490.25 Td (under ) Tj ET Q q 0 0 0 rg BT 258.32 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 272.84 490.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 319.03 490.25 Td (method ) Tj ET Q q 0 0 0 rg BT 351.33 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 361.96 490.25 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 412.63 490.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 461.97 490.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.78 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 481.30 490.25 Td (results ) Tj ET Q q 0 0 0 rg BT 509.71 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 490.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.51 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.91 478.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 114.52 478.25 Td (company ) Tj ET Q q 0 0 0 rg BT 154.36 478.25 Td (have ) Tj ET Q q 0 0 0 rg BT 176.42 478.25 Td (been ) Tj ET Q q 0 0 0 rg BT 198.48 478.25 Td (included ) Tj ET Q q 0 0 0 rg BT 236.10 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 247.06 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 262.46 478.25 Td (Company) Tj ET Q q 0 0 0 rg BT 304.13 478.25 Td (s ) Tj ET Q q 0 0 0 rg BT 311.20 478.25 Td (results ) Tj ET Q q 0 0 0 rg BT 340.49 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 352.01 478.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 396.85 478.25 Td (since ) Tj ET Q q 0 0 0 rg BT 420.58 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 435.98 478.25 Td (date ) Tj ET Q q 0 0 0 rg BT 455.82 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 467.33 478.25 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 519.39 478.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 547.57 478.25 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (method ) Tj ET Q q 0 0 0 rg BT 82.62 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 93.58 466.25 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 142.58 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.43 466.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 183.39 466.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 222.94 466.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 262.78 466.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 299.85 466.25 Td (and ) Tj ET Q q 0 0 0 rg BT 316.92 466.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 373.42 466.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 393.26 466.25 Td (are ) Tj ET Q q 0 0 0 rg BT 408.10 466.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 445.70 466.25 Td (at ) Tj ET Q q 0 0 0 rg BT 455.55 466.25 Td (their ) Tj ET Q q 0 0 0 rg BT 476.50 466.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 517.45 466.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 533.96 466.25 Td (values. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.58 454.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 95.72 454.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 113.86 454.25 Td (over ) Tj ET Q q 0 0 0 rg BT 133.67 454.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 149.58 454.25 Td (value ) Tj ET Q q 0 0 0 rg BT 173.27 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.64 454.25 Td (net ) Tj ET Q q 0 0 0 rg BT 197.89 454.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 223.26 454.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 259.72 454.25 Td (is ) Tj ET Q q 0 0 0 rg BT 268.42 454.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 305.43 454.25 Td (as ) Tj ET Q q 0 0 0 rg BT 315.80 454.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 358.39 454.25 Td (In ) Tj ET Q q 0 0 0 rg BT 368.76 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.01 454.25 Td (event ) Tj ET Q q 0 0 0 rg BT 406.70 454.25 Td (that ) Tj ET Q q 0 0 0 rg BT 423.74 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.99 454.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 453.90 454.25 Td (value ) Tj ET Q q 0 0 0 rg BT 477.59 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 487.96 454.25 Td (net ) Tj ET Q q 0 0 0 rg BT 502.21 454.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 527.58 454.25 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 84.39 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 99.34 442.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 120.69 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.65 442.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 177.28 442.25 Td (will ) Tj ET Q q 0 0 0 rg BT 195.58 442.25 Td (record ) Tj ET Q q 0 0 0 rg BT 223.85 442.25 Td (a ) Tj ET Q q 0 0 0 rg BT 231.03 442.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 250.99 442.25 Td (on ) Tj ET Q q 0 0 0 rg BT 263.73 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 278.69 442.25 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 327.81 442.25 Td ( ) Tj ET Q q 0 0 0 rg BT 329.95 442.25 Td (As ) Tj ET Q q 0 0 0 rg BT 343.80 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.76 442.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 415.37 442.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 435.33 442.25 Td (for ) Tj ET Q q 0 0 0 rg BT 449.53 442.25 Td (T) Tj ET Q q 0 0 0 rg BT 454.94 442.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 478.23 442.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 509.85 442.25 Td (exceeded ) Tj ET Q q 0 0 0 rg BT 549.78 442.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (net ) Tj ET Q q 0 0 0 rg BT 64.65 430.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 90.42 430.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 129.78 430.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 167.77 430.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.54 430.25 Td ($288.2 ) Tj ET Q q 0 0 0 rg BT 208.48 430.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.37 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 239.80 430.25 Td (was ) Tj ET Q q 0 0 0 rg BT 257.79 430.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 295.21 430.25 Td (on ) Tj ET Q q 0 0 0 rg BT 307.64 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 322.29 430.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 368.61 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 385.49 430.25 Td (allocated ) Tj ET Q q 0 0 0 rg BT 424.01 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 434.23 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 448.88 430.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 483.54 430.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 521.80 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 524.23 430.25 Td (Goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 87.26 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 97.32 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.82 418.25 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 160.47 418.25 Td (which ) Tj ET Q q 0 0 0 rg BT 187.19 418.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 218.90 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.39 418.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 273.43 418.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 309.04 418.25 Td (market ) Tj ET Q q 0 0 0 rg BT 339.08 418.25 Td (share ) Tj ET Q q 0 0 0 rg BT 362.46 418.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.18 418.25 Td (related ) Tj ET Q q 0 0 0 rg BT 408.67 418.25 Td (syner) Tj ET Q q 0 0 0 rg BT 430.15 418.25 Td (gies ) Tj ET Q q 0 0 0 rg BT 448.54 418.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 486.35 418.25 Td (from ) Tj ET Q q 0 0 0 rg BT 508.07 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 418.25 Td (combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 97.28 406.25 Td (is ) Tj ET Q q 0 0 0 rg BT 107.08 406.25 Td (not ) Tj ET Q q 0 0 0 rg BT 122.98 406.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 138.33 406.25 Td (deductible. ) Tj ET Q q 0 0 0 rg BT 185.60 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 188.50 406.25 Td (The ) Tj ET Q q 0 0 0 rg BT 207.18 406.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 244.19 406.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 291.18 406.25 Td (for ) Tj ET Q q 0 0 0 rg BT 305.97 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.31 406.25 Td (business ) Tj ET Q q 0 0 0 rg BT 358.33 406.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 411.44 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 422.35 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.69 406.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 475.80 406.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 521.14 406.25 Td (have ) Tj ET Q q 0 0 0 rg BT 543.14 406.25 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 97.48 394.25 Td (to ) Tj ET Q q 0 0 0 rg BT 107.76 394.25 Td (be ) Tj ET Q q 0 0 0 rg BT 119.70 394.25 Td (final ) Tj ET Q q 0 0 0 rg BT 140.52 394.25 Td (as ) Tj ET Q q 0 0 0 rg BT 151.35 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 162.18 394.25 Td (March ) Tj ET Q q 0 0 0 rg BT 190.78 394.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 205.78 394.25 Td (2015. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td () Tj ET Q endstream endobj 181 0 obj <> endobj 182 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 93.19 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 110.28 742.10 Td (values ) Tj ET Q q 0 0 0 rg BT 139.03 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 150.56 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 165.98 742.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 192.52 742.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 230.15 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.79 742.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 288.21 742.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 325.85 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 336.84 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 352.03 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 357.44 742.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 381.19 742.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 413.27 742.10 Td (Mer) Tj ET Q q 0 0 0 rg BT 429.75 742.10 Td (ger) Tj ET Q q 0 0 0 rg BT 442.12 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 447.83 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 459.36 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 470.90 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 486.32 742.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 518.41 742.10 Td (date ) Tj ET Q q 0 0 0 rg BT 538.27 742.10 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 (transaction ) Tj ET Q q 0 0 0 rg BT 96.37 730.10 Td (were ) Tj ET Q q 0 0 0 rg BT 118.30 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 129.13 730.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 161.63 730.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 175.24 730.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 668.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 668.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 668.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 644.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 644.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 644.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 620.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 620.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 620.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 596.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 596.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 596.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 572.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 572.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 572.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 548.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 548.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 548.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 524.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 524.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 524.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 499.60 448.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 499.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 499.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 474.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 474.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 450.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 450.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 450.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 425.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 425.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 425.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 400.60 448.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 400.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 400.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 374.60 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 374.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 374.60 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 350.60 448.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 350.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 350.60 60.00 -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 502.5 681.6 m 562.5 681.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 512.6 m 562.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 512.6 m 562.5 512.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 500.6 m 562.5 500.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 498.6 m 562.5 498.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 438.6 m 562.5 438.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 438.6 m 562.5 438.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 426.6 m 562.5 426.6 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 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 502.5 424.6 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 502.5 426.6 m 562.5 426.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 414.6 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 502.5 412.6 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 502.5 401.6 m 562.5 401.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 399.6 m 562.5 399.6 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 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 502.5 350.6 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 502.5 338.6 m 562.5 338.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 336.6 m 562.5 336.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.45 699.00 Td (August 18,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 686.00 Td (2014) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 673.00 Td (ASSETS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 659.86 Td (Cash and cash equivalents) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 659.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 659.86 Td (154,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 647.86 Td (Investment securities available for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 647.86 Td (826,691) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 635.86 Td (Investment securities held to maturity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 635.86 Td (22,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 623.86 Td (Non-marketable securities - FRB and FHLB Stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 623.86 Td (50,620) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 611.86 Td (Loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 611.86 Td (670,671) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 599.86 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 599.86 Td (3,532,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 587.86 Td (Leases investments, net) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 587.86 Td (11,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 575.86 Td (Premises and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 575.86 Td (19,701) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 563.86 Td (Goodwill) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 563.86 Td (288,152) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 551.86 Td (Core deposit intangible) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 551.86 Td (20,079) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 539.86 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 539.86 Td (224,453) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 527.86 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 527.86 Td (4,720) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 515.86 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 515.86 Td (130,478) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 504.00 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 503.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 503.86 Td (5,956,944) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 491.00 Td (LIABILITIES) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 477.86 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 477.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 477.86 Td (3,953,213) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 465.86 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 465.86 Td (1,035,800) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 453.86 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 453.86 Td (80,843) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 441.86 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 441.86 Td (123,028) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 430.00 Td (Total liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 429.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 429.86 Td (5,192,884) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 416.86 Td (Series A preferred stock at $28.82 per share at August 15, 2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 416.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 416.86 Td (115,280) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 405.00 Td (Total identifiable net assets less Series A preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 404.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 404.86 Td (648,780) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 379.00 Td (Consideration excluding Series A preferred stock:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 365.86 Td (Market value of common stock at $26.49 per share at August 15, 2014 \(19,602,482 shares of common stock issued\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 365.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 365.86 Td (519,270) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 353.86 Td (Cash paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 353.86 Td (129,510) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 342.00 Td ( Total fair value of consideration, excluding Series A preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 341.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 341.86 Td (648,780) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 326.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 314.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.07 314.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 115.18 314.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 141.59 314.10 Td (A) Tj ET Q q 0 0 0 rg BT 148.26 314.10 Td ( ) Tj ET Q q 0 0 0 rg BT 150.79 314.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 189.95 314.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 213.58 314.10 Td (was ) Tj ET Q q 0 0 0 rg BT 231.66 314.10 Td (valued ) Tj ET Q q 0 0 0 rg BT 260.84 314.10 Td (based ) Tj ET Q q 0 0 0 rg BT 286.14 314.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 308.67 314.10 Td (the ) Tj ET Q q 0 0 0 rg BT 323.41 314.10 Td (closing ) Tj ET Q q 0 0 0 rg BT 354.82 314.10 Td (price ) Tj ET Q q 0 0 0 rg BT 377.34 314.10 Td (of ) Tj ET Q q 0 0 0 rg BT 388.01 314.10 Td (T) Tj ET Q q 0 0 0 rg BT 393.42 314.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 416.49 314.10 Td (Capital's ) Tj ET Q q 0 0 0 rg BT 453.60 314.10 Td (Series ) Tj ET Q q 0 0 0 rg BT 480.00 314.10 Td (A) Tj ET Q q 0 0 0 rg BT 486.67 314.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.20 314.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 528.36 314.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 552.00 314.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 302.10 Td (August ) Tj ET Q q 0 0 0 rg BT 81.39 302.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 96.39 302.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 121.39 302.10 Td (the ) Tj ET Q q 0 0 0 rg BT 136.11 302.10 Td (last ) Tj ET Q q 0 0 0 rg BT 152.50 302.10 Td ( ) Tj ET Q q 0 0 0 rg BT 155.00 302.10 Td (trading ) Tj ET Q q 0 0 0 rg BT 185.82 302.10 Td (day ) Tj ET Q q 0 0 0 rg BT 202.76 302.10 Td (before ) Tj ET Q q 0 0 0 rg BT 230.80 302.10 Td (the ) Tj ET Q q 0 0 0 rg BT 245.51 302.10 Td (mer) Tj ET Q q 0 0 0 rg BT 260.88 302.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 276.15 302.10 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 278.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 93.06 278.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.12 278.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 152.50 278.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.24 278.10 Td (a ) Tj ET Q q 0 0 0 rg BT 168.64 278.10 Td (business ) Tj ET Q q 0 0 0 rg BT 204.49 278.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 256.44 278.10 Td (are ) Tj ET Q q 0 0 0 rg BT 270.60 278.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 307.53 278.10 Td (at ) Tj ET Q q 0 0 0 rg BT 316.71 278.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 356.99 278.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 372.82 278.10 Td (value ) Tj ET Q q 0 0 0 rg BT 396.44 278.10 Td (on ) Tj ET Q q 0 0 0 rg BT 408.39 278.10 Td (their ) Tj ET Q q 0 0 0 rg BT 428.68 278.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 466.17 278.10 Td (date ) Tj ET Q q 0 0 0 rg BT 484.79 278.10 Td (without ) Tj ET Q q 0 0 0 rg BT 517.30 278.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.70 278.10 Td (carryover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 266.10 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 266.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.72 266.10 Td (related ) Tj ET Q q 0 0 0 rg BT 105.51 266.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 148.63 266.10 Td (for ) Tj ET Q q 0 0 0 rg BT 162.88 266.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.68 266.10 Td (and ) Tj ET Q q 0 0 0 rg BT 199.71 266.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 222.28 266.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 251.07 266.10 Td (These ) Tj ET Q q 0 0 0 rg BT 277.53 266.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 314.54 266.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 338.24 266.10 Td (are ) Tj ET Q q 0 0 0 rg BT 353.03 266.10 Td (segregated ) Tj ET Q q 0 0 0 rg BT 398.37 266.10 Td (into ) Tj ET Q q 0 0 0 rg BT 416.52 266.10 Td (three ) Tj ET Q q 0 0 0 rg BT 439.09 266.10 Td (types: ) Tj ET Q q 0 0 0 rg BT 465.56 266.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 485.37 266.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 507.94 266.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 531.64 266.10 Td (with ) Tj ET Q q 0 0 0 rg BT 552.00 266.10 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 254.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 85.92 254.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 133.49 254.10 Td (to ) Tj ET Q q 0 0 0 rg BT 143.30 254.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.10 254.10 Td (quality) Tj ET Q q 0 0 0 rg BT 195.22 254.10 Td (, ) Tj ET Q q 0 0 0 rg BT 199.76 254.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 255.66 254.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 278.81 254.10 Td (with ) Tj ET Q q 0 0 0 rg BT 298.62 254.10 Td (a ) Tj ET Q q 0 0 0 rg BT 305.09 254.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 341.01 254.10 Td (attributable ) Tj ET Q q 0 0 0 rg BT 388.58 254.10 Td (at ) Tj ET Q q 0 0 0 rg BT 397.83 254.10 Td (least ) Tj ET Q q 0 0 0 rg BT 418.19 254.10 Td (in ) Tj ET Q q 0 0 0 rg BT 428.00 254.10 Td (part ) Tj ET Q q 0 0 0 rg BT 445.58 254.10 Td (to ) Tj ET Q q 0 0 0 rg BT 455.40 254.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 480.19 254.10 Td (quality ) Tj ET Q q 0 0 0 rg BT 510.00 254.10 Td (and ) Tj ET Q q 0 0 0 rg BT 526.47 254.10 Td (impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 242.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.61 242.10 Td (with ) Tj ET Q q 0 0 0 rg BT 93.89 242.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 131.92 242.10 Td (of ) Tj ET Q q 0 0 0 rg BT 142.75 242.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 187.46 242.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 212.72 242.10 Td (deterioration. ) Tj ET Q q 0 0 0 rg BT 268.81 242.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 218.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 218.10 Td (Pass ) Tj ET Q q 0 0 0 rg BT 106.50 218.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 129.21 218.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 153.04 218.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 194.08 218.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 241.78 218.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 268.94 218.10 Td (are ) Tj ET Q q 0 0 0 rg BT 283.87 218.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 327.12 218.10 Td (for ) Tj ET Q q 0 0 0 rg BT 341.50 218.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.00 218.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 399.68 218.10 Td (with ) Tj ET Q q 0 0 0 rg BT 419.57 218.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 441.55 218.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.96 218.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 466.90 218.10 Td (310-20 ) Tj ET Q q 0 0 0 rg BT 497.95 218.10 Td ("Nonrefundable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 206.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 106.83 206.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.77 206.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 149.04 206.10 Td (Costs" ) Tj ET Q q 0 0 0 rg BT 177.85 206.10 Td (as ) Tj ET Q q 0 0 0 rg BT 188.68 206.10 Td (these ) Tj ET Q q 0 0 0 rg BT 211.73 206.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 235.34 206.10 Td (do ) Tj ET Q q 0 0 0 rg BT 247.84 206.10 Td (not ) Tj ET Q q 0 0 0 rg BT 263.11 206.10 Td (have ) Tj ET Q q 0 0 0 rg BT 284.49 206.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 322.52 206.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.35 206.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.62 206.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 412.21 206.10 Td (since ) Tj ET Q q 0 0 0 rg BT 435.25 206.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 194.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 194.10 Td (Non-impaired ) Tj ET Q q 0 0 0 rg BT 144.86 194.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 168.74 194.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 209.83 194.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 257.59 194.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 308.13 194.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 335.33 194.10 Td (are ) Tj ET Q q 0 0 0 rg BT 350.31 194.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 393.61 194.10 Td (for ) Tj ET Q q 0 0 0 rg BT 408.04 194.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.59 194.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 466.32 194.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.26 194.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 508.28 194.10 Td (T) Tj ET Q q 0 0 0 rg BT 513.69 194.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 533.68 194.10 Td (310-30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 182.10 Td (if ) Tj ET Q q 0 0 0 rg BT 94.61 182.10 Td (they ) Tj ET Q q 0 0 0 rg BT 114.33 182.10 Td (display ) Tj ET Q q 0 0 0 rg BT 145.71 182.10 Td (at ) Tj ET Q q 0 0 0 rg BT 155.43 182.10 Td (least ) Tj ET Q q 0 0 0 rg BT 176.25 182.10 Td (some ) Tj ET Q q 0 0 0 rg BT 199.86 182.10 Td (level ) Tj ET Q q 0 0 0 rg BT 221.80 182.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.63 182.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.89 182.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 311.48 182.10 Td (since ) Tj ET Q q 0 0 0 rg BT 334.53 182.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 170.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 170.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 125.58 170.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 150.18 170.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 191.99 170.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 243.25 170.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.84 170.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.33 170.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 332.01 170.10 Td (status\) ) Tj ET Q q 0 0 0 rg BT 361.61 170.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.31 170.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 421.33 170.10 Td (for ) Tj ET Q q 0 0 0 rg BT 436.48 170.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.74 170.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 496.19 170.10 Td (with ) Tj ET Q q 0 0 0 rg BT 516.69 170.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 539.38 170.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.79 170.10 Td (opic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 158.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 116.83 158.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.66 158.10 Td (they ) Tj ET Q q 0 0 0 rg BT 147.38 158.10 Td (display ) Tj ET Q q 0 0 0 rg BT 178.76 158.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 223.48 158.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.74 158.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 302.33 158.10 Td (since ) Tj ET Q q 0 0 0 rg BT 325.38 158.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.60 134.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 86.53 134.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 109.23 134.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.05 134.10 Td (\(non-purchased ) Tj ET Q q 0 0 0 rg BT 197.95 134.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 262.30 134.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 291.95 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.88 134.10 Td (dif) Tj ET Q q 0 0 0 rg BT 317.80 134.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 349.93 134.10 Td (between ) Tj ET Q q 0 0 0 rg BT 385.95 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.88 134.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 441.91 134.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 458.50 134.10 Td (value ) Tj ET Q q 0 0 0 rg BT 482.86 134.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.90 134.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.83 134.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 532.65 134.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 134.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.04 122.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 137.21 122.10 Td (is ) Tj ET Q q 0 0 0 rg BT 146.38 122.10 Td (accreted ) Tj ET Q q 0 0 0 rg BT 182.18 122.10 Td (over ) Tj ET Q q 0 0 0 rg BT 202.45 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.16 122.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 260.21 122.10 Td (life ) Tj ET Q q 0 0 0 rg BT 276.03 122.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.86 122.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.58 122.10 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.10 Td (In ) Tj ET Q q 0 0 0 rg BT 61.56 98.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 109.76 98.10 Td (with ) Tj ET Q q 0 0 0 rg BT 130.06 98.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 152.51 98.10 Td (T) Tj ET Q q 0 0 0 rg BT 157.92 98.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 178.38 98.10 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 212.44 98.10 Td (for ) Tj ET Q q 0 0 0 rg BT 227.34 98.10 Td (both ) Tj ET Q q 0 0 0 rg BT 248.35 98.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 292.12 98.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 349.23 98.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 373.57 98.10 Td (\(performing ) Tj ET Q q 0 0 0 rg BT 425.12 98.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 476.13 98.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 503.80 98.10 Td (and ) Tj ET Q q 0 0 0 rg BT 521.47 98.10 Td (purchased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 113.65 86.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 139.28 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 153.52 86.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 176.65 86.10 Td (are ) Tj ET Q q 0 0 0 rg BT 190.87 86.10 Td (pooled ) Tj ET Q q 0 0 0 rg BT 220.11 86.10 Td (by ) Tj ET Q q 0 0 0 rg BT 232.13 86.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 251.36 86.10 Td (type ) Tj ET Q q 0 0 0 rg BT 270.60 86.10 Td (and ) Tj ET Q q 0 0 0 rg BT 287.06 86.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.29 86.10 Td (dif) Tj ET Q q 0 0 0 rg BT 312.22 86.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 343.65 86.10 Td (between ) Tj ET Q q 0 0 0 rg BT 378.99 86.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 433.20 86.10 Td (required ) Tj ET Q q 0 0 0 rg BT 468.54 86.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 508.88 86.10 Td (at ) Tj ET Q q 0 0 0 rg BT 518.12 86.10 Td (acquisition ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.83 74.10 Td (the ) Tj ET Q q 0 0 0 rg BT 83.44 74.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 104.59 74.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 130.21 74.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 169.13 74.10 Td (to ) Tj ET Q q 0 0 0 rg BT 180.30 74.10 Td (be ) Tj ET Q q 0 0 0 rg BT 193.13 74.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 232.60 74.10 Td (is ) Tj ET Q q 0 0 0 rg BT 242.66 74.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 277.69 74.10 Td (to ) Tj ET Q q 0 0 0 rg BT 288.86 74.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.58 74.10 Td (the ) Tj ET Q q 0 0 0 rg BT 316.19 74.10 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 378.42 74.10 Td (dif) Tj ET Q q 0 0 0 rg BT 389.35 74.10 Td (ference. ) Tj ET Q q 0 0 0 rg BT 424.66 74.10 Td (Further) Tj ET Q q 0 0 0 rg BT 453.69 74.10 Td (, ) Tj ET Q q 0 0 0 rg BT 459.58 74.10 Td (any ) Tj ET Q q 0 0 0 rg BT 477.41 74.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 506.90 74.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.62 74.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 539.78 74.10 Td (flows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.28 62.10 Td (at ) Tj ET Q q 0 0 0 rg BT 98.25 62.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 144.88 62.10 Td (over ) Tj ET Q q 0 0 0 rg BT 165.40 62.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.37 62.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 221.44 62.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 238.07 62.10 Td (value ) Tj ET Q q 0 0 0 rg BT 262.47 62.10 Td (is ) Tj ET Q q 0 0 0 rg BT 271.89 62.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 306.28 62.10 Td (to ) Tj ET Q q 0 0 0 rg BT 316.81 62.10 Td (as ) Tj ET Q q 0 0 0 rg BT 327.89 62.10 Td (the ) Tj ET Q q 0 0 0 rg BT 342.86 62.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 386.12 62.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 408.87 62.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.06 62.10 Td (is ) Tj ET Q q 0 0 0 rg BT 435.48 62.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 482.09 62.10 Td (into ) Tj ET Q q 0 0 0 rg BT 500.40 62.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 532.58 62.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 50.10 Td (over ) Tj ET Q q 0 0 0 rg BT 70.18 50.10 Td (the ) Tj ET Q q 0 0 0 rg BT 84.80 50.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 127.75 50.10 Td (life ) Tj ET Q q 0 0 0 rg BT 143.49 50.10 Td (of ) Tj ET Q q 0 0 0 rg BT 154.23 50.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.85 50.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 188.48 50.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 212.56 50.10 Td (when ) Tj ET Q q 0 0 0 rg BT 236.62 50.10 Td (there ) Tj ET Q q 0 0 0 rg BT 259.02 50.10 Td (is ) Tj ET Q q 0 0 0 rg BT 268.10 50.10 Td (a ) Tj ET Q q 0 0 0 rg BT 274.94 50.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 320.11 50.10 Td (expectation ) Tj ET Q q 0 0 0 rg BT 368.60 50.10 Td (about ) Tj ET Q q 0 0 0 rg BT 393.23 50.10 Td (the ) Tj ET Q q 0 0 0 rg BT 407.86 50.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 440.26 50.10 Td (and ) Tj ET Q q 0 0 0 rg BT 457.11 50.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 485.63 50.10 Td (of ) Tj ET Q q 0 0 0 rg BT 496.37 50.10 Td (such ) Tj ET Q q 0 0 0 rg BT 517.11 50.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 537.28 50.10 Td (flows.) Tj ET Q endstream endobj 183 0 obj <> endobj 184 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (91) Tj ET Q 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 (following ) Tj ET Q q 0 0 0 rg BT 109.43 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.64 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 181.35 742.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 218.28 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 241.88 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 252.71 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.54 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.26 742.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 324.64 742.10 Td (date ) Tj ET Q q 0 0 0 rg BT 343.80 742.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 357.41 742.10 Td (thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 678.60 394.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 678.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 678.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 678.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 678.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 654.60 394.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 654.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 654.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 654.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 654.60 55.00 -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 447.5 678.6 m 502.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 678.6 m 561.5 678.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 678.6 m 561.5 678.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.30 710.05 Td (Purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.55 701.05 Td (Credit-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.55 692.05 Td (Impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.70 683.05 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.30 710.05 Td (Purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.05 701.05 Td (Non-Credit-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.55 692.05 Td (Impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.70 683.05 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 669.86 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 669.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 669.86 Td (204,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 669.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 669.86 Td (3,327,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 657.86 Td (Gross contractual amounts receivable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 657.86 Td (244,650) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 657.86 Td (3,707,463) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 645.86 Td (Best estimate of contractual cash flows not expected to be collected ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 297.66 649.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 645.86 Td (34,219) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 645.86 Td (302,329) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 633.86 Td (Best estimate of contractual cash flows expected to be collected) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.75 633.86 Td (210,431) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 633.86 Td (3,405,134) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 624.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 620.30 Td (Includes ) Tj ET Q q 0 0 0 rg BT 118.07 620.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 146.15 620.30 Td (payments ) Tj ET Q q 0 0 0 rg BT 182.22 620.30 Td (not ) Tj ET Q q 0 0 0 rg BT 195.30 620.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 228.87 620.30 Td (to ) Tj ET Q q 0 0 0 rg BT 237.45 620.30 Td (be ) Tj ET Q q 0 0 0 rg BT 247.53 620.30 Td (collected ) Tj ET Q q 0 0 0 rg BT 281.59 620.30 Td (due ) Tj ET Q q 0 0 0 rg BT 296.17 620.30 Td (to ) Tj ET Q q 0 0 0 rg BT 304.75 620.30 Td (loan ) Tj ET Q q 0 0 0 rg BT 321.83 620.30 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 369.40 620.30 Td (as ) Tj ET Q q 0 0 0 rg BT 378.48 620.30 Td (well ) Tj ET Q q 0 0 0 rg BT 395.56 620.30 Td (as ) Tj ET Q q 0 0 0 rg BT 404.64 620.30 Td (principal ) Tj ET Q q 0 0 0 rg BT 438.21 620.30 Td (and ) Tj ET Q q 0 0 0 rg BT 452.78 620.30 Td (interest ) Tj ET Q q 0 0 0 rg BT 480.86 620.30 Td (payments ) Tj ET Q q 0 0 0 rg BT 516.93 620.30 Td (not ) Tj ET Q q 0 0 0 rg BT 530.02 620.30 Td (expected ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 609.50 Td (to ) Tj ET Q q 0 0 0 rg BT 95.25 609.50 Td (be ) Tj ET Q q 0 0 0 rg BT 106.00 609.50 Td (collected ) Tj ET Q q 0 0 0 rg BT 140.73 609.50 Td (due ) Tj ET Q q 0 0 0 rg BT 155.97 609.50 Td (to ) Tj ET Q q 0 0 0 rg BT 165.22 609.50 Td (customer ) Tj ET Q q 0 0 0 rg BT 200.46 609.50 Td (default.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 585.50 Td (The ) Tj ET Q q 0 0 0 rg BT 68.64 585.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.62 585.50 Td (incurred ) Tj ET Q q 0 0 0 rg BT 147.03 585.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 170.13 585.50 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 181.55 585.50 Td ($7.1 ) Tj ET Q q 0 0 0 rg BT 202.15 585.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.04 585.50 Td ( ) Tj ET Q q 0 0 0 rg BT 234.13 585.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.67 585.50 Td ($2.4 ) Tj ET Q q 0 0 0 rg BT 272.26 585.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.15 585.50 Td ( ) Tj ET Q q 0 0 0 rg BT 304.25 585.50 Td (to ) Tj ET Q q 0 0 0 rg BT 315.12 585.50 Td (directly ) Tj ET Q q 0 0 0 rg BT 348.76 585.50 Td (consummate ) Tj ET Q q 0 0 0 rg BT 402.39 585.50 Td (the ) Tj ET Q q 0 0 0 rg BT 417.48 585.50 Td (T) Tj ET Q q 0 0 0 rg BT 422.89 585.50 Td (aylor ) Tj ET Q q 0 0 0 rg BT 446.53 585.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 478.51 585.50 Td (Mer) Tj ET Q q 0 0 0 rg BT 494.99 585.50 Td (ger ) Tj ET Q q 0 0 0 rg BT 510.85 585.50 Td (for ) Tj ET Q q 0 0 0 rg BT 525.61 585.50 Td (the ) Tj ET Q q 0 0 0 rg BT 540.92 585.50 Td (years ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 573.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.07 573.50 Td (December ) Tj ET Q q 0 0 0 rg BT 119.35 573.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 134.05 573.50 Td (2014 ) Tj ET Q q 0 0 0 rg BT 156.24 573.50 Td (and ) Tj ET Q q 0 0 0 rg BT 172.87 573.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 197.57 573.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 245.23 573.50 Td (, ) Tj ET Q q 0 0 0 rg BT 249.92 573.50 Td (which ) Tj ET Q q 0 0 0 rg BT 276.56 573.50 Td (is ) Tj ET Q q 0 0 0 rg BT 285.42 573.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 322.59 573.50 Td (in ) Tj ET Q q 0 0 0 rg BT 332.57 573.50 Td (professional ) Tj ET Q q 0 0 0 rg BT 383.64 573.50 Td (and ) Tj ET Q q 0 0 0 rg BT 400.27 573.50 Td (legal ) Tj ET Q q 0 0 0 rg BT 421.90 573.50 Td (fees ) Tj ET Q q 0 0 0 rg BT 440.19 573.50 Td (on ) Tj ET Q q 0 0 0 rg BT 452.39 573.50 Td (the ) Tj ET Q q 0 0 0 rg BT 466.80 573.50 Td (statement ) Tj ET Q q 0 0 0 rg BT 507.31 573.50 Td (of ) Tj ET Q q 0 0 0 rg BT 517.84 573.50 Td (operations. ) Tj ET Q q 0 0 0 rg BT 564.49 573.50 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 561.50 Td (The ) Tj ET Q q 0 0 0 rg BT 67.67 561.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.69 561.50 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.79 561.50 Td ($34.8 ) Tj ET Q q 0 0 0 rg BT 170.42 561.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 199.31 561.50 Td ( ) Tj ET Q q 0 0 0 rg BT 201.43 561.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.00 561.50 Td ($2.5 ) Tj ET Q q 0 0 0 rg BT 237.62 561.50 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.52 561.50 Td ( ) Tj ET Q q 0 0 0 rg BT 268.64 561.50 Td (in ) Tj ET Q q 0 0 0 rg BT 278.55 561.50 Td (pre-tax ) Tj ET Q q 0 0 0 rg BT 308.99 561.50 Td (mer) Tj ET Q q 0 0 0 rg BT 324.36 561.50 Td (ger ) Tj ET Q q 0 0 0 rg BT 339.25 561.50 Td (related ) Tj ET Q q 0 0 0 rg BT 368.58 561.50 Td (expenses ) Tj ET Q q 0 0 0 rg BT 406.80 561.50 Td (for ) Tj ET Q q 0 0 0 rg BT 420.59 561.50 Td (the ) Tj ET Q q 0 0 0 rg BT 434.93 561.50 Td (years ) Tj ET Q q 0 0 0 rg BT 458.16 561.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 484.16 561.50 Td (December ) Tj ET Q q 0 0 0 rg BT 527.37 561.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 542.00 561.50 Td (2014 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 549.50 Td (and ) Tj ET Q q 0 0 0 rg BT 67.08 549.50 Td (2013, ) Tj ET Q q 0 0 0 rg BT 92.22 549.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 139.88 549.50 Td (. ) Tj ET Q q 0 0 0 rg BT 145.02 549.50 Td ( ) Tj ET Q q 0 0 0 rg BT 147.48 549.50 Td (The ) Tj ET Q q 0 0 0 rg BT 165.66 549.50 Td (remainder ) Tj ET Q q 0 0 0 rg BT 208.84 549.50 Td (of ) Tj ET Q q 0 0 0 rg BT 219.81 549.50 Td (the ) Tj ET Q q 0 0 0 rg BT 234.67 549.50 Td (mer) Tj ET Q q 0 0 0 rg BT 250.03 549.50 Td (ger ) Tj ET Q q 0 0 0 rg BT 265.44 549.50 Td (related ) Tj ET Q q 0 0 0 rg BT 295.29 549.50 Td (expenses ) Tj ET Q q 0 0 0 rg BT 334.03 549.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 373.88 549.50 Td (relate ) Tj ET Q q 0 0 0 rg BT 398.73 549.50 Td (to ) Tj ET Q q 0 0 0 rg BT 409.15 549.50 Td (retention ) Tj ET Q q 0 0 0 rg BT 447.33 549.50 Td (and ) Tj ET Q q 0 0 0 rg BT 464.41 549.50 Td (severance ) Tj ET Q q 0 0 0 rg BT 506.46 549.50 Td (compensation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 537.50 Td (costs ) Tj ET Q q 0 0 0 rg BT 72.50 537.50 Td (and ) Tj ET Q q 0 0 0 rg BT 89.44 537.50 Td (service ) Tj ET Q q 0 0 0 rg BT 120.25 537.50 Td (contract ) Tj ET Q q 0 0 0 rg BT 154.96 537.50 Td (termination ) Tj ET Q q 0 0 0 rg BT 203.55 537.50 Td (costs. ) Tj ET Q q 0 0 0 rg BT 228.55 537.50 Td ( ) Tj ET Q q 0 0 0 rg BT 230.87 537.50 Td (The ) Tj ET Q q 0 0 0 rg BT 248.92 537.50 Td (data ) Tj ET Q q 0 0 0 rg BT 268.08 537.50 Td (processing ) Tj ET Q q 0 0 0 rg BT 313.34 537.50 Td (systems ) Tj ET Q q 0 0 0 rg BT 347.51 537.50 Td (were ) Tj ET Q q 0 0 0 rg BT 369.44 537.50 Td (converted ) Tj ET Q q 0 0 0 rg BT 411.37 537.50 Td (in ) Tj ET Q q 0 0 0 rg BT 421.65 537.50 Td (September ) Tj ET Q q 0 0 0 rg BT 466.91 537.50 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 513.50 Td (The ) Tj ET Q q 0 0 0 rg BT 68.13 513.50 Td (following ) Tj ET Q q 0 0 0 rg BT 109.60 513.50 Td (table ) Tj ET Q q 0 0 0 rg BT 131.62 513.50 Td (provides ) Tj ET Q q 0 0 0 rg BT 168.65 513.50 Td (the ) Tj ET Q q 0 0 0 rg BT 183.45 513.50 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 225.47 513.50 Td (pro ) Tj ET Q q 0 0 0 rg BT 241.38 513.50 Td (forma ) Tj ET Q q 0 0 0 rg BT 267.85 513.50 Td (information ) Tj ET Q q 0 0 0 rg BT 317.64 513.50 Td (for ) Tj ET Q q 0 0 0 rg BT 331.89 513.50 Td (the ) Tj ET Q q 0 0 0 rg BT 346.69 513.50 Td (results ) Tj ET Q q 0 0 0 rg BT 375.39 513.50 Td (of ) Tj ET Q q 0 0 0 rg BT 386.30 513.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 430.54 513.50 Td (for ) Tj ET Q q 0 0 0 rg BT 444.79 513.50 Td (the ) Tj ET Q q 0 0 0 rg BT 459.59 513.50 Td (year ) Tj ET Q q 0 0 0 rg BT 479.38 513.50 Td (ended ) Tj ET Q q 0 0 0 rg BT 505.84 513.50 Td (December ) Tj ET Q q 0 0 0 rg BT 549.51 513.50 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 501.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 75.21 501.50 Td (as ) Tj ET Q q 0 0 0 rg BT 86.25 501.50 Td (if ) Tj ET Q q 0 0 0 rg BT 95.06 501.50 Td (the ) Tj ET Q q 0 0 0 rg BT 109.99 501.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 156.57 501.50 Td (had ) Tj ET Q q 0 0 0 rg BT 173.72 501.50 Td (occurred ) Tj ET Q q 0 0 0 rg BT 211.40 501.50 Td (January ) Tj ET Q q 0 0 0 rg BT 245.21 501.50 Td (1, ) Tj ET Q q 0 0 0 rg BT 255.42 501.50 Td (2013. ) Tj ET Q q 0 0 0 rg BT 280.63 501.50 Td ( ) Tj ET Q q 0 0 0 rg BT 283.14 501.50 Td (The ) Tj ET Q q 0 0 0 rg BT 301.39 501.50 Td (pro ) Tj ET Q q 0 0 0 rg BT 317.43 501.50 Td (forma ) Tj ET Q q 0 0 0 rg BT 344.01 501.50 Td (results ) Tj ET Q q 0 0 0 rg BT 372.83 501.50 Td (combine ) Tj ET Q q 0 0 0 rg BT 409.97 501.50 Td (the ) Tj ET Q q 0 0 0 rg BT 424.89 501.50 Td (historical ) Tj ET Q q 0 0 0 rg BT 464.81 501.50 Td (results ) Tj ET Q q 0 0 0 rg BT 493.63 501.50 Td (of ) Tj ET Q q 0 0 0 rg BT 504.47 501.50 Td (T) Tj ET Q q 0 0 0 rg BT 509.88 501.50 Td (aylor ) Tj ET Q q 0 0 0 rg BT 533.14 501.50 Td (Capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 489.50 Td (into ) Tj ET Q q 0 0 0 rg BT 67.36 489.50 Td (the ) Tj ET Q q 0 0 0 rg BT 81.37 489.50 Td (Company's ) Tj ET Q q 0 0 0 rg BT 127.75 489.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 180.09 489.50 Td (statement ) Tj ET Q q 0 0 0 rg BT 220.21 489.50 Td (of ) Tj ET Q q 0 0 0 rg BT 230.34 489.50 Td (income ) Tj ET Q q 0 0 0 rg BT 261.57 489.50 Td (including ) Tj ET Q q 0 0 0 rg BT 301.15 489.50 Td (the ) Tj ET Q q 0 0 0 rg BT 315.16 489.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 344.17 489.50 Td (of ) Tj ET Q q 0 0 0 rg BT 354.30 489.50 Td (certain ) Tj ET Q q 0 0 0 rg BT 383.31 489.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 428.99 489.50 Td (accounting ) Tj ET Q q 0 0 0 rg BT 474.66 489.50 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 524.23 489.50 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 69.88 477.50 Td (discount ) Tj ET Q q 0 0 0 rg BT 106.44 477.50 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 148.24 477.50 Td (investment ) Tj ET Q q 0 0 0 rg BT 194.79 477.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 235.22 477.50 Td (discount ) Tj ET Q q 0 0 0 rg BT 271.77 477.50 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 313.58 477.50 Td (intangible ) Tj ET Q q 0 0 0 rg BT 356.24 477.50 Td (assets ) Tj ET Q q 0 0 0 rg BT 382.23 477.50 Td (amortization, ) Tj ET Q q 0 0 0 rg BT 437.93 477.50 Td (deposit ) Tj ET Q q 0 0 0 rg BT 469.49 477.50 Td (premium ) Tj ET Q q 0 0 0 rg BT 508.26 477.50 Td (accretion ) Tj ET Q q 0 0 0 rg BT 547.56 477.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 465.50 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 93.64 465.50 Td (discount ) Tj ET Q q 0 0 0 rg BT 129.51 465.50 Td (amortization. ) Tj ET Q q 0 0 0 rg BT 184.39 465.50 Td (The ) Tj ET Q q 0 0 0 rg BT 201.92 465.50 Td (pro ) Tj ET Q q 0 0 0 rg BT 217.24 465.50 Td (forma ) Tj ET Q q 0 0 0 rg BT 243.10 465.50 Td (results ) Tj ET Q q 0 0 0 rg BT 271.19 465.50 Td (have ) Tj ET Q q 0 0 0 rg BT 292.05 465.50 Td (been ) Tj ET Q q 0 0 0 rg BT 312.91 465.50 Td (prepared ) Tj ET Q q 0 0 0 rg BT 349.87 465.50 Td (for ) Tj ET Q q 0 0 0 rg BT 363.52 465.50 Td (comparative ) Tj ET Q q 0 0 0 rg BT 414.92 465.50 Td (purposes ) Tj ET Q q 0 0 0 rg BT 452.45 465.50 Td (only ) Tj ET Q q 0 0 0 rg BT 472.22 465.50 Td (and ) Tj ET Q q 0 0 0 rg BT 488.64 465.50 Td (are ) Tj ET Q q 0 0 0 rg BT 502.83 465.50 Td (not ) Tj ET Q q 0 0 0 rg BT 517.59 465.50 Td (necessarily ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 453.50 Td (indicative ) Tj ET Q q 0 0 0 rg BT 91.62 453.50 Td (of ) Tj ET Q q 0 0 0 rg BT 102.14 453.50 Td (the ) Tj ET Q q 0 0 0 rg BT 116.55 453.50 Td (results ) Tj ET Q q 0 0 0 rg BT 144.84 453.50 Td (that ) Tj ET Q q 0 0 0 rg BT 162.03 453.50 Td (would ) Tj ET Q q 0 0 0 rg BT 189.22 453.50 Td (have ) Tj ET Q q 0 0 0 rg BT 210.29 453.50 Td (been ) Tj ET Q q 0 0 0 rg BT 231.35 453.50 Td (obtained ) Tj ET Q q 0 0 0 rg BT 267.98 453.50 Td (had ) Tj ET Q q 0 0 0 rg BT 284.60 453.50 Td (the ) Tj ET Q q 0 0 0 rg BT 299.01 453.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 345.08 453.50 Td (actually ) Tj ET Q q 0 0 0 rg BT 378.92 453.50 Td (occurred ) Tj ET Q q 0 0 0 rg BT 416.09 453.50 Td (on ) Tj ET Q q 0 0 0 rg BT 428.28 453.50 Td (January ) Tj ET Q q 0 0 0 rg BT 461.57 453.50 Td (1, ) Tj ET Q q 0 0 0 rg BT 471.26 453.50 Td (2013. ) Tj ET Q q 0 0 0 rg BT 495.95 453.50 Td ( ) Tj ET Q q 0 0 0 rg BT 498.14 453.50 Td (No ) Tj ET Q q 0 0 0 rg BT 512.55 453.50 Td (assumptions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 441.50 Td (have ) Tj ET Q q 0 0 0 rg BT 71.88 441.50 Td (been ) Tj ET Q q 0 0 0 rg BT 93.76 441.50 Td (applied ) Tj ET Q q 0 0 0 rg BT 126.20 441.50 Td (to ) Tj ET Q q 0 0 0 rg BT 136.98 441.50 Td (the ) Tj ET Q q 0 0 0 rg BT 152.20 441.50 Td (pro ) Tj ET Q q 0 0 0 rg BT 168.53 441.50 Td (forma ) Tj ET Q q 0 0 0 rg BT 195.41 441.50 Td (results ) Tj ET Q q 0 0 0 rg BT 224.52 441.50 Td (of ) Tj ET Q q 0 0 0 rg BT 235.85 441.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 280.51 441.50 Td (regarding ) Tj ET Q q 0 0 0 rg BT 321.83 441.50 Td (possible ) Tj ET Q q 0 0 0 rg BT 357.61 441.50 Td (revenue ) Tj ET Q q 0 0 0 rg BT 392.26 441.50 Td (enhancements, ) Tj ET Q q 0 0 0 rg BT 454.40 441.50 Td (provision ) Tj ET Q q 0 0 0 rg BT 495.19 441.50 Td (for ) Tj ET Q q 0 0 0 rg BT 509.85 441.50 Td (credit ) Tj ET Q q 0 0 0 rg BT 535.62 441.50 Td (losses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 429.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 84.76 429.50 Td (ef) Tj ET Q q 0 0 0 rg BT 92.35 429.50 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 133.22 429.50 Td (or ) Tj ET Q q 0 0 0 rg BT 144.11 429.50 Td (asset ) Tj ET Q q 0 0 0 rg BT 166.10 429.50 Td (dispositions. ) Tj ET Q q 0 0 0 rg BT 218.95 429.50 Td ( ) Tj ET Q q 0 0 0 rg BT 221.32 429.50 Td (The ) Tj ET Q q 0 0 0 rg BT 239.43 429.50 Td (mer) Tj ET Q q 0 0 0 rg BT 254.79 429.50 Td (ger ) Tj ET Q q 0 0 0 rg BT 270.12 429.50 Td (related ) Tj ET Q q 0 0 0 rg BT 299.88 429.50 Td (expenses ) Tj ET Q q 0 0 0 rg BT 338.54 429.50 Td (that ) Tj ET Q q 0 0 0 rg BT 356.09 429.50 Td (have ) Tj ET Q q 0 0 0 rg BT 377.52 429.50 Td (been ) Tj ET Q q 0 0 0 rg BT 398.96 429.50 Td (recognized ) Tj ET Q q 0 0 0 rg BT 445.38 429.50 Td (are ) Tj ET Q q 0 0 0 rg BT 460.14 429.50 Td (included ) Tj ET Q q 0 0 0 rg BT 497.13 429.50 Td (in ) Tj ET Q q 0 0 0 rg BT 507.47 429.50 Td (net ) Tj ET Q q 0 0 0 rg BT 522.24 429.50 Td (income ) Tj ET Q q 0 0 0 rg BT 554.23 429.50 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 417.50 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 417.50 Td (table ) Tj ET Q q 0 0 0 rg BT 86.65 417.50 Td (below) Tj ET Q q 0 0 0 rg BT 110.44 417.50 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 348.00 438.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 348.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 348.00 70.00 -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 491.5 372 m 561.5 372 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 495.55 397.45 Td (For Year Ended) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 499.80 388.45 Td (December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.00 375.40 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 363.26 Td (\(in thousands\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 351.26 Td (Total revenues \(net interest income plus non-interest income\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 494.00 351.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 351.26 Td (774,778) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 339.26 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 339.26 Td (112,220) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.50 Td (Revenues ) Tj ET Q q 0 0 0 rg BT 90.82 312.50 Td (and ) Tj ET Q q 0 0 0 rg BT 107.20 312.50 Td (earnings ) Tj ET Q q 0 0 0 rg BT 143.02 312.50 Td (of ) Tj ET Q q 0 0 0 rg BT 153.30 312.50 Td (the ) Tj ET Q q 0 0 0 rg BT 167.46 312.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 203.82 312.50 Td (company ) Tj ET Q q 0 0 0 rg BT 242.42 312.50 Td (since ) Tj ET Q q 0 0 0 rg BT 264.91 312.50 Td (the ) Tj ET Q q 0 0 0 rg BT 279.07 312.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 324.90 312.50 Td (date ) Tj ET Q q 0 0 0 rg BT 343.50 312.50 Td (have ) Tj ET Q q 0 0 0 rg BT 364.32 312.50 Td (not ) Tj ET Q q 0 0 0 rg BT 379.04 312.50 Td (been ) Tj ET Q q 0 0 0 rg BT 399.86 312.50 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 439.02 312.50 Td (as ) Tj ET Q q 0 0 0 rg BT 449.29 312.50 Td (it ) Tj ET Q q 0 0 0 rg BT 456.79 312.50 Td (is ) Tj ET Q q 0 0 0 rg BT 465.41 312.50 Td (not ) Tj ET Q q 0 0 0 rg BT 480.13 312.50 Td (practicable ) Tj ET Q q 0 0 0 rg BT 525.93 312.50 Td (as ) Tj ET Q q 0 0 0 rg BT 536.06 312.50 Td (T) Tj ET Q q 0 0 0 rg BT 541.47 312.50 Td (aylor ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 300.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 81.38 300.50 Td (was ) Tj ET Q q 0 0 0 rg BT 99.43 300.50 Td (mer) Tj ET Q q 0 0 0 rg BT 114.80 300.50 Td (ged ) Tj ET Q q 0 0 0 rg BT 131.74 300.50 Td (into ) Tj ET Q q 0 0 0 rg BT 149.79 300.50 Td (the ) Tj ET Q q 0 0 0 rg BT 164.51 300.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 205.90 300.50 Td (and ) Tj ET Q q 0 0 0 rg BT 222.84 300.50 Td (separate ) Tj ET Q q 0 0 0 rg BT 258.09 300.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 295.57 300.50 Td (information ) Tj ET Q q 0 0 0 rg BT 345.28 300.50 Td (is ) Tj ET Q q 0 0 0 rg BT 354.45 300.50 Td (not ) Tj ET Q q 0 0 0 rg BT 369.73 300.50 Td (readily ) Tj ET Q q 0 0 0 rg BT 400.00 300.50 Td (available.) Tj ET Q endstream endobj 185 0 obj <> endobj 186 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (92) 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 50 740.68505859375 m 138.7158203125 740.68505859375 l s q 0 0 0 rg BT 50.00 742.25 Td (MSA, ) Tj ET Q q 0 0 0 rg BT 77.96 742.25 Td (Holding, ) Tj ET Q q 0 0 0 rg BT 118.15 742.25 Td (LLC) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.72 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 141.95 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 145.19 742.25 Td (On ) Tj ET Q q 0 0 0 rg BT 160.65 742.25 Td (December ) Tj ET Q q 0 0 0 rg BT 204.97 742.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 220.71 742.25 Td (2015, ) Tj ET Q q 0 0 0 rg BT 246.45 742.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 265.24 742.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 305.69 742.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 330.04 742.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 367.70 742.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.38 742.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.71 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 401.94 742.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 430.18 742.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 462.85 742.25 Td (in ) Tj ET Q q 0 0 0 rg BT 473.86 742.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 494.99 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 498.22 742.25 Td (Holdings, ) Tj ET Q q 0 0 0 rg BT 540.63 742.25 Td (LLC, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td (\("MSA"\) ) Tj ET Q q 0 0 0 rg BT 89.73 730.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.19 730.25 Td (parent ) Tj ET Q q 0 0 0 rg BT 133.41 730.25 Td (company ) Tj ET Q q 0 0 0 rg BT 173.30 730.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.86 730.25 Td (MainStreet ) Tj ET Q q 0 0 0 rg BT 232.53 730.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 279.48 730.25 Td (Advisors, ) Tj ET Q q 0 0 0 rg BT 321.33 730.25 Td (LLC ) Tj ET Q q 0 0 0 rg BT 343.45 730.25 Td (and ) Tj ET Q q 0 0 0 rg BT 361.13 730.25 Td (Cambium ) Tj ET Q q 0 0 0 rg BT 403.09 730.25 Td (Asset ) Tj ET Q q 0 0 0 rg BT 428.55 730.25 Td (Management, ) Tj ET Q q 0 0 0 rg BT 486.48 730.25 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 511.11 730.25 Td ( ) Tj ET Q q 0 0 0 rg BT 514.34 730.25 Td (Main ) Tj ET Q q 0 0 0 rg BT 538.68 730.25 Td (Street ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Advisors ) Tj ET Q q 0 0 0 rg BT 89.79 718.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 127.90 718.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 175.46 718.25 Td (management ) Tj ET Q q 0 0 0 rg BT 230.23 718.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 270.02 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 281.47 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.37 718.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 320.48 718.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 341.93 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 360.05 718.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 412.60 718.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 434.05 718.25 Td (company ) Tj ET Q q 0 0 0 rg BT 474.38 718.25 Td (markets. ) Tj ET Q q 0 0 0 rg BT 514.45 718.25 Td (Through ) Tj ET Q q 0 0 0 rg BT 552.56 718.25 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (Registered ) Tj ET Q q 0 0 0 rg BT 96.79 706.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 144.37 706.25 Td (Advisor) Tj ET Q q 0 0 0 rg BT 176.19 706.25 Td (, ) Tj ET Q q 0 0 0 rg BT 182.72 706.25 Td (Cambium ) Tj ET Q q 0 0 0 rg BT 226.19 706.25 Td (LLC, ) Tj ET Q q 0 0 0 rg BT 251.61 706.25 Td (MSA) Tj ET Q q 0 0 0 rg BT 272.73 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 276.76 706.25 Td (provides ) Tj ET Q q 0 0 0 rg BT 315.23 706.25 Td (ef) Tj ET Q q 0 0 0 rg BT 322.81 706.25 Td (ficient, ) Tj ET Q q 0 0 0 rg BT 354.89 706.25 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 381.91 706.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 413.14 706.25 Td (account ) Tj ET Q q 0 0 0 rg BT 448.27 706.25 Td (management ) Tj ET Q q 0 0 0 rg BT 503.38 706.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 543.53 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 557.56 706.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 104.42 694.25 Td (basis ) Tj ET Q q 0 0 0 rg BT 126.63 694.25 Td (for ) Tj ET Q q 0 0 0 rg BT 140.50 694.25 Td (high ) Tj ET Q q 0 0 0 rg BT 160.49 694.25 Td (net ) Tj ET Q q 0 0 0 rg BT 174.92 694.25 Td (worth ) Tj ET Q q 0 0 0 rg BT 200.47 694.25 Td (clients, ) Tj ET Q q 0 0 0 rg BT 231.28 694.25 Td (both ) Tj ET Q q 0 0 0 rg BT 251.28 694.25 Td (individuals ) Tj ET Q q 0 0 0 rg BT 297.93 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 314.58 694.25 Td (institutions, ) Tj ET Q q 0 0 0 rg BT 363.75 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 380.40 694.25 Td (small ) Tj ET Q q 0 0 0 rg BT 404.28 694.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 441.48 694.25 Td (through ) Tj ET Q q 0 0 0 rg BT 474.80 694.25 Td (its ) Tj ET Q q 0 0 0 rg BT 486.46 694.25 Td (BluePrint ) Tj ET Q q 0 0 0 rg BT 527.01 694.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (solution.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.24 658.25 Td (business ) Tj ET Q q 0 0 0 rg BT 106.60 658.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 159.05 658.25 Td (was ) Tj ET Q q 0 0 0 rg BT 177.07 658.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 220.07 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.19 658.25 Td (under ) Tj ET Q q 0 0 0 rg BT 259.43 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.11 658.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 320.46 658.25 Td (method ) Tj ET Q q 0 0 0 rg BT 352.92 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 363.71 658.25 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 412.00 658.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 461.34 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.30 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.99 658.25 Td (results ) Tj ET Q q 0 0 0 rg BT 509.56 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 658.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.77 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.42 646.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 112.29 646.25 Td (company ) Tj ET Q q 0 0 0 rg BT 151.38 646.25 Td (will ) Tj ET Q q 0 0 0 rg BT 169.38 646.25 Td (be ) Tj ET Q q 0 0 0 rg BT 181.25 646.25 Td (included ) Tj ET Q q 0 0 0 rg BT 218.13 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 228.34 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.00 646.25 Td (Company) Tj ET Q q 0 0 0 rg BT 284.67 646.25 Td (s ) Tj ET Q q 0 0 0 rg BT 291.00 646.25 Td (results ) Tj ET Q q 0 0 0 rg BT 319.54 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 330.31 646.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 374.41 646.25 Td (starting ) Tj ET Q q 0 0 0 rg BT 406.84 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 419.28 646.25 Td (January ) Tj ET Q q 0 0 0 rg BT 452.82 646.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 462.76 646.25 Td (2016. ) Tj ET Q q 0 0 0 rg BT 487.70 646.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 515.12 646.25 Td (this ) Tj ET Q q 0 0 0 rg BT 532.01 646.25 Td (method ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.82 634.25 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 109.68 634.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 135.50 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 152.43 634.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 192.14 634.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 229.05 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 243.75 634.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 281.22 634.25 Td (at ) Tj ET Q q 0 0 0 rg BT 290.92 634.25 Td (their ) Tj ET Q q 0 0 0 rg BT 311.74 634.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 352.55 634.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 368.92 634.25 Td (values, ) Tj ET Q q 0 0 0 rg BT 399.45 634.25 Td (net ) Tj ET Q q 0 0 0 rg BT 414.16 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 424.98 634.25 Td (applicable ) Tj ET Q q 0 0 0 rg BT 468.56 634.25 Td (income ) Tj ET Q q 0 0 0 rg BT 500.48 634.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 515.19 634.25 Td (ef) Tj ET Q q 0 0 0 rg BT 522.78 634.25 Td (fects. ) Tj ET Q q 0 0 0 rg BT 546.47 634.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 78.97 622.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 97.94 622.25 Td (over ) Tj ET Q q 0 0 0 rg BT 118.58 622.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 135.32 622.25 Td (value ) Tj ET Q q 0 0 0 rg BT 159.85 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 171.04 622.25 Td (net ) Tj ET Q q 0 0 0 rg BT 186.13 622.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 212.33 622.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 249.62 622.25 Td (was ) Tj ET Q q 0 0 0 rg BT 268.04 622.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 305.88 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 317.08 622.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 358.00 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 360.66 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 379.08 622.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 420.83 622.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.67 622.25 Td ($13.5 ) Tj ET Q q 0 0 0 rg BT 484.04 622.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 512.93 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 515.80 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 526.45 622.25 Td (goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 67.14 610.25 Td ($8.8 ) Tj ET Q q 0 0 0 rg BT 87.34 610.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.23 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 118.93 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 129.41 610.25 Td (other ) Tj ET Q q 0 0 0 rg BT 152.65 610.25 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 199.23 610.25 Td (as ) Tj ET Q q 0 0 0 rg BT 210.26 610.25 Td (a ) Tj ET Q q 0 0 0 rg BT 217.40 610.25 Td (result ) Tj ET Q q 0 0 0 rg BT 242.32 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.34 610.25 Td (this ) Tj ET Q q 0 0 0 rg BT 270.49 610.25 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 319.38 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 337.62 610.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 374.21 610.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 420.77 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 435.13 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.05 610.25 Td (business ) Tj ET Q q 0 0 0 rg BT 486.64 610.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 539.33 610.25 Td (in ) Tj ET Q q 0 0 0 rg BT 549.80 610.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.48 598.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 132.19 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 143.02 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 153.85 598.25 Td (June ) Tj ET Q q 0 0 0 rg BT 174.68 598.25 Td (30, ) Tj ET Q q 0 0 0 rg BT 189.68 598.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 212.18 598.25 Td (were ) Tj ET Q q 0 0 0 rg BT 234.11 598.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 281.59 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 291.87 598.25 Td (be ) Tj ET Q q 0 0 0 rg BT 303.81 598.25 Td (final. ) 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 50 572.68505859375 m 197.3486328125 572.68505859375 l s q 0 0 0 rg BT 50.00 574.25 Td (American ) Tj ET Q q 0 0 0 rg BT 93.98 574.25 Td (Charter) Tj ET Q q 0 0 0 rg BT 128.23 574.25 Td (ed ) Tj ET Q q 0 0 0 rg BT 140.01 574.25 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 180.96 574.25 Td (Inc.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.35 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 199.13 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 200.90 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 202.68 574.25 Td (On ) Tj ET Q q 0 0 0 rg BT 216.29 574.25 Td (August ) Tj ET Q q 0 0 0 rg BT 246.96 574.25 Td (24, ) Tj ET Q q 0 0 0 rg BT 261.23 574.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 285.12 574.25 Td (American ) Tj ET Q q 0 0 0 rg BT 326.32 574.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 367.52 574.25 Td (Bancorp, ) Tj ET Q q 0 0 0 rg BT 405.68 574.25 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 422.72 574.25 Td (\("American ) Tj ET Q q 0 0 0 rg BT 471.33 574.25 Td (Chartered"\), ) Tj ET Q q 0 0 0 rg BT 522.45 574.25 Td (an ) Tj ET Q q 0 0 0 rg BT 533.66 574.25 Td (Illinois ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (corporation, ) Tj ET Q q 0 0 0 rg BT 101.00 562.25 Td (was ) Tj ET Q q 0 0 0 rg BT 118.96 562.25 Td (mer) Tj ET Q q 0 0 0 rg BT 134.32 562.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 151.17 562.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 169.12 562.25 Td ("American ) Tj ET Q q 0 0 0 rg BT 215.03 562.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 256.86 562.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 273.34 562.25 Td (ger"\) ) Tj ET Q q 0 0 0 rg BT 295.93 562.25 Td (with ) Tj ET Q q 0 0 0 rg BT 316.12 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 332.96 562.25 Td (into ) Tj ET Q q 0 0 0 rg BT 350.92 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 365.55 562.25 Td (Company) Tj ET Q q 0 0 0 rg BT 403.78 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 408.69 562.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 445.53 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 455.72 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.81 562.25 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 516.64 562.25 Td (and ) Tj ET Q q 0 0 0 rg BT 533.49 562.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 553.67 562.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 66.48 550.25 Td (ger) Tj ET Q q 0 0 0 rg BT 78.85 550.25 Td (, ) Tj ET Q q 0 0 0 rg BT 83.62 550.25 Td (dated ) Tj ET Q q 0 0 0 rg BT 107.55 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 118.15 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.75 550.25 Td (November ) Tj ET Q q 0 0 0 rg BT 173.23 550.25 Td (20, ) Tj ET Q q 0 0 0 rg BT 188.00 550.25 Td (2015 ) Tj ET Q q 0 0 0 rg BT 210.27 550.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 228.09 550.25 Td ("Mer) Tj ET Q q 0 0 0 rg BT 248.65 550.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 263.19 550.25 Td (Agreement"\), ) Tj ET Q q 0 0 0 rg BT 319.80 550.25 Td (by ) Tj ET Q q 0 0 0 rg BT 332.07 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 348.78 550.25 Td (between ) Tj ET Q q 0 0 0 rg BT 384.37 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.86 550.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 440.02 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 456.23 550.25 Td (American ) Tj ET Q q 0 0 0 rg BT 497.92 550.25 Td (Chartered. ) Tj ET Q q 0 0 0 rg BT 542.12 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 544.23 550.25 Td (This ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.46 538.25 Td (continues ) Tj ET Q q 0 0 0 rg BT 137.37 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 147.74 538.25 Td (solidify ) Tj ET Q q 0 0 0 rg BT 180.88 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.68 538.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 242.85 538.25 Td (market ) Tj ET Q q 0 0 0 rg BT 273.20 538.25 Td (position ) Tj ET Q q 0 0 0 rg BT 308.01 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 318.38 538.25 Td (Chicago. ) Tj ET Q q 0 0 0 rg BT 356.79 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.81 538.25 Td (At ) Tj ET Q q 0 0 0 rg BT 371.39 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.20 538.25 Td (ef) Tj ET Q q 0 0 0 rg BT 393.79 538.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 423.58 538.25 Td (time ) Tj ET Q q 0 0 0 rg BT 443.94 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.85 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 469.66 538.25 Td (mer) Tj ET Q q 0 0 0 rg BT 485.02 538.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 500.38 538.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 518.51 538.25 Td ("American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 92.84 526.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 102.10 526.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 132.47 526.25 Td (T) Tj ET Q q 0 0 0 rg BT 138.23 526.25 Td (ime"\), ) Tj ET Q q 0 0 0 rg BT 166.55 526.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 179.41 526.25 Td (each ) Tj ET Q q 0 0 0 rg BT 201.14 526.25 Td (share ) Tj ET Q q 0 0 0 rg BT 225.66 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.40 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.04 526.25 Td (common ) Tj ET Q q 0 0 0 rg BT 291.45 526.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 318.47 526.25 Td (no ) Tj ET Q q 0 0 0 rg BT 331.89 526.25 Td (par ) Tj ET Q q 0 0 0 rg BT 348.08 526.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 375.65 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.64 526.25 Td (American ) Tj ET Q q 0 0 0 rg BT 429.48 526.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 472.32 526.25 Td (\("American ) Tj ET Q q 0 0 0 rg BT 522.58 526.25 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 89.48 514.25 Td (Stock"\) ) Tj ET Q q 0 0 0 rg BT 121.93 514.25 Td (that ) Tj ET Q q 0 0 0 rg BT 139.19 514.25 Td (was ) Tj ET Q q 0 0 0 rg BT 157.00 514.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 184.26 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.95 514.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 249.88 514.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 302.12 514.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 323.82 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 333.85 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 347.83 514.25 Td (American ) Tj ET Q q 0 0 0 rg BT 389.51 514.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 431.19 514.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 440.45 514.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 469.75 514.25 Td (T) Tj ET Q q 0 0 0 rg BT 475.51 514.25 Td (ime, ) Tj ET Q q 0 0 0 rg BT 495.26 514.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 509.73 514.25 Td (each ) Tj ET Q q 0 0 0 rg BT 530.31 514.25 Td (share ) Tj ET Q q 0 0 0 rg BT 553.66 514.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (American ) Tj ET Q q 0 0 0 rg BT 92.55 502.25 Td (Chartered) Tj ET Q q 0 0 0 rg BT 134.75 502.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.77 502.25 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.10 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 158.23 502.25 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 207.79 502.25 Td (V) Tj ET Q q 0 0 0 rg BT 213.72 502.25 Td (oting ) Tj ET Q q 0 0 0 rg BT 237.40 502.25 Td (Convertible ) Tj ET Q q 0 0 0 rg BT 287.74 502.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 328.07 502.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 356.47 502.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 384.04 502.25 Td (D ) Tj ET Q q 0 0 0 rg BT 394.38 502.25 Td (\("American ) Tj ET Q q 0 0 0 rg BT 444.35 502.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 486.90 502.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 514.46 502.25 Td (D ) Tj ET Q q 0 0 0 rg BT 524.81 502.25 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (Stock"\), ) Tj ET Q q 0 0 0 rg BT 84.09 490.25 Td (that ) Tj ET Q q 0 0 0 rg BT 100.48 490.25 Td (was ) Tj ET Q q 0 0 0 rg BT 117.43 490.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 143.82 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 159.66 490.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 207.72 490.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 259.10 490.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 279.94 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 289.11 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.42 490.25 Td (American ) Tj ET Q q 0 0 0 rg BT 343.24 490.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 384.06 490.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 393.31 490.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 421.81 490.25 Td (T) Tj ET Q q 0 0 0 rg BT 427.57 490.25 Td (ime ) Tj ET Q q 0 0 0 rg BT 443.96 490.25 Td (whose ) Tj ET Q q 0 0 0 rg BT 470.91 490.25 Td (holder ) Tj ET Q q 0 0 0 rg BT 497.85 490.25 Td (elected ) Tj ET Q q 0 0 0 rg BT 527.56 490.25 Td (pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.36 478.25 Td (American ) Tj ET Q q 0 0 0 rg BT 103.09 478.25 Td (Chartered) Tj ET Q q 0 0 0 rg BT 145.29 478.25 Td (s ) Tj ET Q q 0 0 0 rg BT 152.49 478.25 Td (charter ) Tj ET Q q 0 0 0 rg BT 183.56 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 194.65 478.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 226.82 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 242.34 478.25 Td (same ) Tj ET Q q 0 0 0 rg BT 266.20 478.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 323.38 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 334.47 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.27 478.25 Td (American ) Tj ET Q q 0 0 0 rg BT 392.00 478.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 434.73 478.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 451.21 478.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 467.29 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 478.93 478.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 511.68 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.59 478.25 Td (American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 90.87 466.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 129.55 466.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 156.27 466.25 Td (based ) Tj ET Q q 0 0 0 rg BT 180.49 466.25 Td (on ) Tj ET Q q 0 0 0 rg BT 191.94 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 205.60 466.25 Td (number ) Tj ET Q q 0 0 0 rg BT 237.60 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 247.37 466.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 273.81 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.27 466.25 Td (American ) Tj ET Q q 0 0 0 rg BT 324.14 466.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 365.01 466.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 403.69 466.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 427.91 466.25 Td (into ) Tj ET Q q 0 0 0 rg BT 444.92 466.25 Td (which ) Tj ET Q q 0 0 0 rg BT 470.80 466.25 Td (such ) Tj ET Q q 0 0 0 rg BT 490.58 466.25 Td (share ) Tj ET Q q 0 0 0 rg BT 513.13 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.59 466.25 Td (American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 91.80 454.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 118.61 454.25 Td (D ) Tj ET Q q 0 0 0 rg BT 128.21 454.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 167.78 454.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 192.94 454.25 Td (would ) Tj ET Q q 0 0 0 rg BT 220.31 454.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 261.56 454.25 Td (then ) Tj ET Q q 0 0 0 rg BT 281.16 454.25 Td (be ) Tj ET Q q 0 0 0 rg BT 292.97 454.25 Td (convertible, ) Tj ET Q q 0 0 0 rg BT 342.83 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 359.64 454.25 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 377.01 454.25 Td (each ) Tj ET Q q 0 0 0 rg BT 397.70 454.25 Td (share ) Tj ET Q q 0 0 0 rg BT 421.18 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 431.36 454.25 Td (American ) Tj ET Q q 0 0 0 rg BT 473.16 454.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 514.96 454.25 Td (Non-V) Tj ET Q q 0 0 0 rg BT 541.44 454.25 Td (oting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 89.89 442.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 129.20 442.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 156.60 442.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 183.16 442.25 Td (F) Tj ET Q q 0 0 0 rg BT 187.92 442.25 Td (, ) Tj ET Q q 0 0 0 rg BT 192.55 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 209.66 442.25 Td (was ) Tj ET Q q 0 0 0 rg BT 227.34 442.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 254.46 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 271.02 442.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 319.80 442.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 371.91 442.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 393.47 442.25 Td (to ) Tj ET Q q 0 0 0 rg BT 403.37 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 417.24 442.25 Td (American ) Tj ET Q q 0 0 0 rg BT 458.79 442.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 500.33 442.25 Td (Ef) Tj ET Q q 0 0 0 rg BT 509.59 442.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 538.76 442.25 Td (T) Tj ET Q q 0 0 0 rg BT 544.52 442.25 Td (ime, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (was ) Tj ET Q q 0 0 0 rg BT 68.33 430.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 110.53 430.25 Td (into ) Tj ET Q q 0 0 0 rg BT 128.86 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 143.85 430.25 Td (right ) Tj ET Q q 0 0 0 rg BT 165.51 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 176.06 430.25 Td (receive, ) Tj ET Q q 0 0 0 rg BT 210.20 430.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 241.30 430.25 Td (to ) Tj ET Q q 0 0 0 rg BT 251.85 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 266.85 430.25 Td (election ) Tj ET Q q 0 0 0 rg BT 301.27 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.48 430.25 Td (proration ) Tj ET Q q 0 0 0 rg BT 357.91 430.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 404.56 430.25 Td (set ) Tj ET Q q 0 0 0 rg BT 418.44 430.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 440.65 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 451.21 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.20 430.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 482.68 430.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 497.61 430.25 Td (Agreement: ) Tj ET Q q 0 0 0 rg BT 547.59 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 550.36 430.25 Td (\(1\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.32 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 80.64 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 95.41 418.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 127.95 418.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.83 418.25 Td ($9.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.33 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 163.88 418.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 181.98 418.25 Td ("Cash ) Tj ET Q q 0 0 0 rg BT 208.61 418.25 Td (Consideration"\) ) Tj ET Q q 0 0 0 rg BT 274.67 418.25 Td (or ) Tj ET Q q 0 0 0 rg BT 285.55 418.25 Td (\(2\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.76 418.25 Td (0.2732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.26 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 329.81 418.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 357.35 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 368.23 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.99 418.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 430.12 418.25 Td (common ) Tj ET Q q 0 0 0 rg BT 467.67 418.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 493.82 418.25 Td (with ) Tj ET Q q 0 0 0 rg BT 514.15 418.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 534.47 418.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 554.23 418.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (lieu ) Tj ET Q q 0 0 0 rg BT 66.84 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 77.01 406.25 Td (fractional ) Tj ET Q q 0 0 0 rg BT 117.16 406.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 157.89 406.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 184.72 406.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 231.55 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 243.39 406.25 Td (multiplying ) Tj ET Q q 0 0 0 rg BT 291.90 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 305.96 406.25 Td (fractional ) Tj ET Q q 0 0 0 rg BT 346.11 406.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 386.84 406.25 Td (share ) Tj ET Q q 0 0 0 rg BT 409.78 406.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 441.62 406.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.46 406.25 Td ($39.01) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.96 406.25 Td ( ) Tj ET Q q 0 0 0 rg BT 482.81 406.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 500.19 406.25 Td (average ) Tj ET Q q 0 0 0 rg BT 533.12 406.25 Td (closing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 67.82 394.25 Td (price ) Tj ET Q q 0 0 0 rg BT 90.07 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 100.67 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 115.16 394.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 162.01 394.25 Td (common ) Tj ET Q q 0 0 0 rg BT 199.28 394.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 222.66 394.25 Td (for ) Tj ET Q q 0 0 0 rg BT 236.59 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 251.07 394.25 Td (five ) Tj ET Q q 0 0 0 rg BT 268.89 394.25 Td (full ) Tj ET Q q 0 0 0 rg BT 285.05 394.25 Td (trading ) Tj ET Q q 0 0 0 rg BT 315.64 394.25 Td (days ) Tj ET Q q 0 0 0 rg BT 336.25 394.25 Td (ending ) Tj ET Q q 0 0 0 rg BT 365.73 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 377.50 394.25 Td (August ) Tj ET Q q 0 0 0 rg BT 408.66 394.25 Td (23, ) Tj ET Q q 0 0 0 rg BT 423.43 394.25 Td (2016\) ) Tj ET Q q 0 0 0 rg BT 449.04 394.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 466.85 394.25 Td ("Stock ) Tj ET Q q 0 0 0 rg BT 495.98 394.25 Td (Consideration"\). ) Tj ET Q q 0 0 0 rg BT 564.50 394.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.96 382.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 99.81 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.56 382.25 Td (such ) Tj ET Q q 0 0 0 rg BT 131.30 382.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 158.70 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.91 382.25 Td (American ) Tj ET Q q 0 0 0 rg BT 210.75 382.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 252.59 382.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 276.11 382.25 Td (also ) Tj ET Q q 0 0 0 rg BT 294.63 382.25 Td (could ) Tj ET Q q 0 0 0 rg BT 319.26 382.25 Td (elect ) Tj ET Q q 0 0 0 rg BT 340.55 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 350.74 382.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 382.02 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 388.87 382.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 441.27 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 452.02 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.65 382.25 Td (Cash ) Tj ET Q q 0 0 0 rg BT 489.06 382.25 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 547.58 382.25 Td (and ) 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 64.64 370.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 89.85 370.25 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 148.38 370.25 Td (for ) Tj ET Q q 0 0 0 rg BT 162.47 370.25 Td (their ) Tj ET Q q 0 0 0 rg BT 183.22 370.25 Td (shares. ) Tj ET Q q 0 0 0 rg BT 213.13 370.25 Td ( ) Tj ET Q q 0 0 0 rg BT 215.56 370.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 237.97 370.25 Td (share ) Tj ET Q q 0 0 0 rg BT 261.50 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 271.72 370.25 Td (American ) Tj ET Q q 0 0 0 rg BT 313.57 370.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 355.42 370.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 382.29 370.25 Td (D ) Tj ET Q q 0 0 0 rg BT 391.94 370.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 431.56 370.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 456.76 370.25 Td (whose ) Tj ET Q q 0 0 0 rg BT 484.74 370.25 Td (holder ) Tj ET Q q 0 0 0 rg BT 512.72 370.25 Td (did ) Tj ET Q q 0 0 0 rg BT 527.92 370.25 Td (not ) Tj ET Q q 0 0 0 rg BT 543.13 370.25 Td (elect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.08 358.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 91.25 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 105.76 358.25 Td (same ) Tj ET Q q 0 0 0 rg BT 128.61 358.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 184.79 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 194.87 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 208.88 358.25 Td (American ) Tj ET Q q 0 0 0 rg BT 250.60 358.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 292.33 358.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 308.81 358.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 323.88 358.25 Td (as ) Tj ET Q q 0 0 0 rg BT 334.51 358.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 366.25 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 376.38 358.25 Td (American ) Tj ET Q q 0 0 0 rg BT 418.10 358.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 459.83 358.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 499.36 358.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 526.94 358.25 Td (based ) Tj ET Q q 0 0 0 rg BT 552.01 358.25 Td (on ) 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 65.28 346.25 Td (number ) Tj ET Q q 0 0 0 rg BT 98.90 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.29 346.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 138.35 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.07 346.25 Td (American ) Tj ET Q q 0 0 0 rg BT 191.56 346.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 234.05 346.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 274.34 346.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 300.19 346.25 Td (into ) Tj ET Q q 0 0 0 rg BT 318.81 346.25 Td (which ) Tj ET Q q 0 0 0 rg BT 346.32 346.25 Td (such ) Tj ET Q q 0 0 0 rg BT 367.71 346.25 Td (share ) Tj ET Q q 0 0 0 rg BT 391.88 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 402.60 346.25 Td (American ) Tj ET Q q 0 0 0 rg BT 445.09 346.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 487.58 346.25 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 524.80 346.25 Td (Preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 75.65 334.25 Td (would ) Tj ET Q q 0 0 0 rg BT 103.52 334.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 145.26 334.25 Td (then ) Tj ET Q q 0 0 0 rg BT 165.35 334.25 Td (be ) Tj ET Q q 0 0 0 rg BT 177.65 334.25 Td (convertible, ) Tj ET Q q 0 0 0 rg BT 228.00 334.25 Td (was ) Tj ET Q q 0 0 0 rg BT 246.42 334.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 288.72 334.25 Td (into ) Tj ET Q q 0 0 0 rg BT 307.14 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 322.23 334.25 Td (right ) Tj ET Q q 0 0 0 rg BT 343.98 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 354.63 334.25 Td (receive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.36 334.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.80 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 403.67 334.25 Td (share ) Tj ET Q q 0 0 0 rg BT 427.63 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 438.83 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.92 334.25 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.37 334.25 Td (8%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.70 334.25 Td ( ) Tj ET Q q 0 0 0 rg BT 517.57 334.25 Td (cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (voting ) Tj ET Q q 0 0 0 rg BT 78.02 322.25 Td (convertible ) Tj ET Q q 0 0 0 rg BT 125.46 322.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 164.55 322.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 190.62 322.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 217.52 322.25 Td (B. ) Tj ET Q q 0 0 0 rg BT 229.15 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 231.61 322.25 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 290.17 322.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 309.85 322.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.86 322.25 Td ($487.4 ) Tj ET Q q 0 0 0 rg BT 357.82 322.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 386.71 322.25 Td (, ) Tj ET Q q 0 0 0 rg BT 391.67 322.25 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.91 322.25 Td ($382.8 ) Tj ET Q q 0 0 0 rg BT 461.87 322.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.76 322.25 Td ( ) Tj ET Q q 0 0 0 rg BT 493.22 322.25 Td (in ) Tj ET Q q 0 0 0 rg BT 503.46 322.25 Td (common ) Tj ET Q q 0 0 0 rg BT 540.91 322.25 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.33 310.25 Td (9.7 ) Tj ET Q q 0 0 0 rg BT 68.91 310.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.80 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 100.87 310.25 Td (shares\), ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.77 310.25 Td ($102.3 ) Tj ET Q q 0 0 0 rg BT 165.35 310.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.24 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 197.31 310.25 Td (in ) Tj ET Q q 0 0 0 rg BT 208.17 310.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 229.01 310.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.53 310.25 Td ($2.3 ) Tj ET Q q 0 0 0 rg BT 267.10 310.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.00 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 299.07 310.25 Td (in ) Tj ET Q q 0 0 0 rg BT 309.93 310.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 349.64 310.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 373.82 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 391.34 310.25 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 441.62 310.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 473.02 310.25 Td (assumed. ) Tj ET Q q 0 0 0 rg BT 513.03 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 515.89 310.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.51 310.25 Td ($102.3 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.73 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 92.34 298.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 112.95 298.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 169.65 298.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 205.82 298.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 246.98 298.25 Td (for ) Tj ET Q q 0 0 0 rg BT 261.47 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 276.53 298.25 Td (value ) Tj ET Q q 0 0 0 rg BT 301.02 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 312.18 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.24 298.25 Td (net ) Tj ET Q q 0 0 0 rg BT 342.29 298.25 Td (option ) Tj ET Q q 0 0 0 rg BT 370.68 298.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 398.51 298.25 Td (of ) Tj ET Q q 0 0 0 rg BT 409.67 298.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.10 298.25 Td (American ) Tj ET Q q 0 0 0 rg BT 466.36 298.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 508.62 298.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 532.56 298.25 Td (options ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 86.94 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 97.22 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.93 286.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 128.41 286.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 143.13 286.25 Td (Agreement.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (This ) Tj ET Q q 0 0 0 rg BT 70.24 262.25 Td (business ) Tj ET Q q 0 0 0 rg BT 106.60 262.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 159.05 262.25 Td (was ) Tj ET Q q 0 0 0 rg BT 177.07 262.25 Td (accounted ) Tj ET Q q 0 0 0 rg BT 220.07 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 234.19 262.25 Td (under ) Tj ET Q q 0 0 0 rg BT 259.43 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 274.11 262.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 320.46 262.25 Td (method ) Tj ET Q q 0 0 0 rg BT 352.92 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 363.71 262.25 Td (accounting. ) Tj ET Q q 0 0 0 rg BT 412.00 262.25 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 461.34 262.25 Td (, ) Tj ET Q q 0 0 0 rg BT 466.30 262.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.99 262.25 Td (results ) Tj ET Q q 0 0 0 rg BT 509.56 262.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.35 262.25 Td (operations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.64 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.18 250.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 114.91 250.25 Td (company ) Tj ET Q q 0 0 0 rg BT 154.88 250.25 Td (have ) Tj ET Q q 0 0 0 rg BT 177.08 250.25 Td (been ) Tj ET Q q 0 0 0 rg BT 199.27 250.25 Td (included ) Tj ET Q q 0 0 0 rg BT 237.01 250.25 Td (in ) Tj ET Q q 0 0 0 rg BT 248.11 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 263.64 250.25 Td (Company) Tj ET Q q 0 0 0 rg BT 305.30 250.25 Td (s ) Tj ET Q q 0 0 0 rg BT 312.51 250.25 Td (results ) Tj ET Q q 0 0 0 rg BT 341.93 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 353.58 250.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 398.55 250.25 Td (since ) Tj ET Q q 0 0 0 rg BT 422.41 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.94 250.25 Td (date ) Tj ET Q q 0 0 0 rg BT 457.91 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.55 250.25 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 519.25 250.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 547.55 250.25 Td (this ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (method ) Tj ET Q q 0 0 0 rg BT 82.62 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 93.58 238.25 Td (accounting, ) Tj ET Q q 0 0 0 rg BT 142.58 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.43 238.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 183.39 238.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 222.94 238.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 262.78 238.25 Td (assumed ) Tj ET Q q 0 0 0 rg BT 299.85 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 316.92 238.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 373.42 238.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 393.26 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 408.10 238.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 445.70 238.25 Td (at ) Tj ET Q q 0 0 0 rg BT 455.55 238.25 Td (their ) Tj ET Q q 0 0 0 rg BT 476.50 238.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 517.45 238.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 533.96 238.25 Td (values. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 226.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 95.93 226.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 114.18 226.25 Td (over ) Tj ET Q q 0 0 0 rg BT 134.09 226.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 150.10 226.25 Td (value ) Tj ET Q q 0 0 0 rg BT 173.90 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 184.37 226.25 Td (net ) Tj ET Q q 0 0 0 rg BT 198.73 226.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 224.20 226.25 Td (acquired ) Tj ET Q q 0 0 0 rg BT 260.77 226.25 Td (is ) Tj ET Q q 0 0 0 rg BT 269.58 226.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 306.69 226.25 Td (as ) Tj ET Q q 0 0 0 rg BT 317.17 226.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 357.36 226.25 Td (In ) Tj ET Q q 0 0 0 rg BT 367.83 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 382.19 226.25 Td (event ) Tj ET Q q 0 0 0 rg BT 405.99 226.25 Td (that ) Tj ET Q q 0 0 0 rg BT 423.13 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.48 226.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 453.50 226.25 Td (value ) Tj ET Q q 0 0 0 rg BT 477.30 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 487.77 226.25 Td (net ) Tj ET Q q 0 0 0 rg BT 502.13 226.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 527.60 226.25 Td (acquired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 84.07 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 98.71 214.25 Td (cost, ) Tj ET Q q 0 0 0 rg BT 119.74 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.38 214.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 175.69 214.25 Td (will ) Tj ET Q q 0 0 0 rg BT 193.67 214.25 Td (record ) Tj ET Q q 0 0 0 rg BT 221.63 214.25 Td (a ) Tj ET Q q 0 0 0 rg BT 228.49 214.25 Td (gain ) Tj ET Q q 0 0 0 rg BT 248.13 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 260.56 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 275.20 214.25 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 323.47 214.25 Td (As ) Tj ET Q q 0 0 0 rg BT 337.00 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 351.64 214.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 407.94 214.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 427.58 214.25 Td (for ) Tj ET Q q 0 0 0 rg BT 441.13 214.25 Td (American ) Tj ET Q q 0 0 0 rg BT 482.97 214.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 524.82 214.25 Td (exceeded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 63.92 202.25 Td (net ) Tj ET Q q 0 0 0 rg BT 77.84 202.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 102.88 202.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 141.50 202.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 178.76 202.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.80 202.25 Td ($276.0 ) Tj ET Q q 0 0 0 rg BT 218.00 202.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.89 202.25 Td ( ) Tj ET Q q 0 0 0 rg BT 248.60 202.25 Td (was ) Tj ET Q q 0 0 0 rg BT 265.85 202.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 302.53 202.25 Td (on ) Tj ET Q q 0 0 0 rg BT 314.24 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 328.16 202.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 373.75 202.25 Td (and ) Tj ET Q q 0 0 0 rg BT 389.89 202.25 Td (allocated ) Tj ET Q q 0 0 0 rg BT 427.68 202.25 Td (to ) Tj ET Q q 0 0 0 rg BT 437.16 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 451.08 202.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 485.00 202.25 Td (segment. ) Tj ET Q q 0 0 0 rg BT 522.53 202.25 Td ( ) Tj ET Q q 0 0 0 rg BT 524.24 202.25 Td (Goodwill ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 87.26 190.25 Td (in ) Tj ET Q q 0 0 0 rg BT 97.32 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 111.82 190.25 Td (transaction, ) Tj ET Q q 0 0 0 rg BT 160.47 190.25 Td (which ) Tj ET Q q 0 0 0 rg BT 187.19 190.25 Td (reflects ) Tj ET Q q 0 0 0 rg BT 218.90 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 233.39 190.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 273.43 190.25 Td (Chicago ) Tj ET Q q 0 0 0 rg BT 309.04 190.25 Td (market ) Tj ET Q q 0 0 0 rg BT 339.08 190.25 Td (share ) Tj ET Q q 0 0 0 rg BT 362.46 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 379.18 190.25 Td (related ) Tj ET Q q 0 0 0 rg BT 408.67 190.25 Td (syner) Tj ET Q q 0 0 0 rg BT 430.15 190.25 Td (gies ) Tj ET Q q 0 0 0 rg BT 448.54 190.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 486.35 190.25 Td (from ) Tj ET Q q 0 0 0 rg BT 508.07 190.25 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 190.25 Td (combined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (operations, ) Tj ET Q q 0 0 0 rg BT 96.06 178.25 Td (is ) Tj ET Q q 0 0 0 rg BT 104.63 178.25 Td (not ) Tj ET Q q 0 0 0 rg BT 119.32 178.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 133.44 178.25 Td (deductible. ) Tj ET Q q 0 0 0 rg BT 179.49 178.25 Td ( ) Tj ET Q q 0 0 0 rg BT 181.26 178.25 Td (The ) Tj ET Q q 0 0 0 rg BT 198.71 178.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 234.50 178.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 280.27 178.25 Td (for ) Tj ET Q q 0 0 0 rg BT 293.83 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 307.95 178.25 Td (business ) Tj ET Q q 0 0 0 rg BT 343.75 178.25 Td (combination ) Tj ET Q q 0 0 0 rg BT 395.64 178.25 Td (in ) Tj ET Q q 0 0 0 rg BT 405.33 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 419.45 178.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 456.33 178.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 500.45 178.25 Td (as ) Tj ET Q q 0 0 0 rg BT 510.68 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 520.92 178.25 Td (December ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 65.00 166.25 Td (2016 ) Tj ET Q q 0 0 0 rg BT 87.50 166.25 Td (have ) Tj ET Q q 0 0 0 rg BT 108.88 166.25 Td (been ) Tj ET Q q 0 0 0 rg BT 130.25 166.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 177.73 166.25 Td (only ) Tj ET Q q 0 0 0 rg BT 198.01 166.25 Td (provisionally ) Tj ET Q q 0 0 0 rg BT 253.29 166.25 Td (for ) Tj ET Q q 0 0 0 rg BT 267.45 166.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 291.05 166.25 Td (as ) Tj ET Q q 0 0 0 rg BT 301.88 166.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 321.60 166.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 339.10 166.25 Td (ratings ) Tj ET Q q 0 0 0 rg BT 368.82 166.25 Td (continue ) Tj ET Q q 0 0 0 rg BT 405.75 166.25 Td (to ) Tj ET Q q 0 0 0 rg BT 416.03 166.25 Td (be ) Tj ET Q q 0 0 0 rg BT 427.97 166.25 Td (assessed. ) Tj ET Q endstream endobj 187 0 obj <> endobj 188 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (93) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 728.70 Td (Estimated ) Tj ET Q q 0 0 0 rg BT 92.78 728.70 Td (fair ) Tj ET Q q 0 0 0 rg BT 109.46 728.70 Td (values ) Tj ET Q q 0 0 0 rg BT 137.80 728.70 Td (of ) Tj ET Q q 0 0 0 rg BT 148.92 728.70 Td (the ) Tj ET Q q 0 0 0 rg BT 163.93 728.70 Td (assets ) Tj ET Q q 0 0 0 rg BT 190.06 728.70 Td (acquired ) Tj ET Q q 0 0 0 rg BT 227.28 728.70 Td (and ) Tj ET Q q 0 0 0 rg BT 244.51 728.70 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 284.52 728.70 Td (assumed ) Tj ET Q q 0 0 0 rg BT 321.75 728.70 Td (in ) Tj ET Q q 0 0 0 rg BT 332.33 728.70 Td (the ) Tj ET Q q 0 0 0 rg BT 346.72 728.70 Td (American ) Tj ET Q q 0 0 0 rg BT 388.94 728.70 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 431.16 728.70 Td (Mer) Tj ET Q q 0 0 0 rg BT 447.64 728.70 Td (ger) Tj ET Q q 0 0 0 rg BT 460.00 728.70 Td (, ) Tj ET Q q 0 0 0 rg BT 465.30 728.70 Td (as ) Tj ET Q q 0 0 0 rg BT 476.42 728.70 Td (of ) Tj ET Q q 0 0 0 rg BT 487.55 728.70 Td (the ) Tj ET Q q 0 0 0 rg BT 502.56 728.70 Td (closing ) Tj ET Q q 0 0 0 rg BT 534.24 728.70 Td (date ) Tj ET Q q 0 0 0 rg BT 553.69 728.70 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 716.70 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 716.70 Td (transaction ) Tj ET Q q 0 0 0 rg BT 111.09 716.70 Td (were ) Tj ET Q q 0 0 0 rg BT 133.02 716.70 Td (as ) Tj ET Q q 0 0 0 rg BT 143.85 716.70 Td (follows ) Tj ET Q q 0 0 0 rg BT 176.35 716.70 Td (\(in ) Tj ET Q q 0 0 0 rg BT 189.96 716.70 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 669.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 669.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 669.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 645.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 645.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 645.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 621.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 621.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 621.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 597.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 597.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 597.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 573.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 573.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 573.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 549.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 549.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 549.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 525.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 525.20 4.00 -12.00 re 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0.9333333333333333 1 rg /GS0 gs 50.50 405.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 405.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 405.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 381.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 381.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 381.20 60.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 357.20 448.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 357.20 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 357.20 60.00 -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 502.5 669.2 m 562.5 669.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 537.2 m 562.5 537.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 537.2 m 562.5 537.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 526.2 m 562.5 526.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 524.2 m 562.5 524.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 453.2 m 562.5 453.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 453.2 m 562.5 453.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 442.2 m 562.5 442.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 440.2 m 562.5 440.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 418.2 m 562.5 418.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 416.2 m 562.5 416.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 345.2 m 562.5 345.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 345.2 m 562.5 345.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 334.2 m 562.5 334.2 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 332.2 m 562.5 332.2 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 511.45 682.65 Td (August 24,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 523.00 673.65 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 660.60 Td (ASSETS) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 648.46 Td (Cash and cash equivalents) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 648.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 648.46 Td (93,307) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 636.46 Td (Investment securities available for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 636.46 Td (505,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 624.46 Td (Non-marketable securities - FRB and FHLB Stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 624.46 Td (16,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 612.46 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 612.46 Td (1,940,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 600.46 Td (Premises and equipment) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 600.46 Td (39,048) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 588.46 Td (Cash surrender value of life insurance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 588.46 Td (59,917) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 576.46 Td (Goodwill) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 576.46 Td (275,998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 564.46 Td (Other intangibles) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 564.46 Td (25,452) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 552.46 Td (Other real estate owned) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 552.46 Td (3,960) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 540.46 Td (Other assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 540.46 Td (32,141) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 528.60 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 528.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 528.46 Td (2,992,089) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 516.60 Td (LIABILITIES) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 504.46 Td (Deposits) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 504.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 504.46 Td (2,389,327) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 492.46 Td (Short-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 492.46 Td (48,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 480.46 Td (Long-term borrowings) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 480.46 Td (16,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 468.46 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 468.46 Td (28,075) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 456.46 Td (Accrued expenses and other liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.90 456.46 Td (22,966) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 71.00 444.60 Td (Total liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 444.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.65 444.46 Td (2,504,673) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 420.60 Td (Total identifiable net assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 420.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 420.46 Td (487,416) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 396.60 Td (Consideration:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 384.46 Td (Market value of common stock at $39.28 per share at August 24, 2016 \(9,744,636 shares of common stock issued\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 384.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 384.46 Td (382,769) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 372.46 Td (Series B preferred stock at $2,337.97 per share at ) Tj ET Q q 0 0 0 rg BT 232.19 372.46 Td (August 24, 2016 \(525 shares of preferred stock issued\) ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 431.65 376.54 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 372.46 Td (1,227) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 360.46 Td (Stock-based compensation attributed to pre-business combination service) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.40 360.46 Td (1,103) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 348.46 Td (Cash paid) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 348.46 Td (102,317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 336.60 Td ( Total fair value of consideration, excluding Series B preferred stock) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 336.46 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.40 336.46 Td (487,416) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 326.98 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 322.90 Td (Per ) Tj ET Q q 0 0 0 rg BT 100.25 322.90 Td (share ) Tj ET Q q 0 0 0 rg BT 121.49 322.90 Td (fair ) Tj ET Q q 0 0 0 rg BT 136.23 322.90 Td (value ) Tj ET Q q 0 0 0 rg BT 157.96 322.90 Td (amount ) Tj ET Q q 0 0 0 rg BT 187.21 322.90 Td (determined ) Tj ET Q q 0 0 0 rg BT 229.94 322.90 Td (as ) Tj ET Q q 0 0 0 rg BT 239.69 322.90 Td (if ) Tj ET Q q 0 0 0 rg BT 247.44 322.90 Td (the ) Tj ET Q q 0 0 0 rg BT 260.68 322.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 285.42 322.90 Td (of ) Tj ET Q q 0 0 0 rg BT 295.17 322.90 Td (Series ) Tj ET Q q 0 0 0 rg BT 319.42 322.90 Td (B ) Tj ET Q q 0 0 0 rg BT 327.67 322.90 Td (were ) Tj ET Q q 0 0 0 rg BT 347.40 322.90 Td (converted ) Tj ET Q q 0 0 0 rg BT 385.14 322.90 Td (into ) Tj ET Q q 0 0 0 rg BT 401.39 322.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 426.13 322.90 Td (common ) Tj ET Q q 0 0 0 rg BT 459.87 322.90 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.90 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.90 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 298.90 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 298.90 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 298.90 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.64 298.90 Td (the ) Tj ET Q q 0 0 0 rg BT 181.35 298.90 Td (acquired ) Tj ET Q q 0 0 0 rg BT 218.28 298.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 241.88 298.90 Td (as ) Tj ET Q q 0 0 0 rg BT 252.71 298.90 Td (of ) Tj ET Q q 0 0 0 rg BT 263.54 298.90 Td (the ) Tj ET Q q 0 0 0 rg BT 278.26 298.90 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 324.64 298.90 Td (date ) Tj ET Q q 0 0 0 rg BT 343.80 298.90 Td (\(in ) Tj ET Q q 0 0 0 rg BT 357.41 298.90 Td (thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 235.40 394.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 235.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 235.40 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 235.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 235.40 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 211.40 394.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 443.50 211.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 447.50 211.40 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 211.40 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 211.40 55.00 -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 447.5 235.39999999999998 m 502.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 235.39999999999998 m 561.5 235.39999999999998 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 235.39999999999998 m 561.5 235.39999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 454.30 266.85 Td (Purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 460.55 257.85 Td (Credit-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 456.55 248.85 Td (Impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 462.70 239.85 Td (Loans) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.30 266.85 Td (Purchased) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 510.05 257.85 Td (Non-Credit-) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 515.55 248.85 Td (Impaired) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.70 239.85 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 226.66 Td (Fair value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 450.00 226.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 226.66 Td (51,916) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 509.00 226.66 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 226.66 Td (1,888,786) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 214.66 Td (Gross contractual amounts receivable) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 214.66 Td (84,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 214.66 Td (2,159,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 202.66 Td (Best estimate of contractual cash flows not expected to be collected ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 297.66 206.74 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 202.66 Td (23,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 202.66 Td (114,660) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 190.66 Td (Best estimate of contractual cash flows expected to be collected) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 474.25 190.66 Td (60,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.00 190.66 Td (2,044,537) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 181.18 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 177.10 Td (Includes ) Tj ET Q q 0 0 0 rg BT 118.07 177.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 146.15 177.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 182.22 177.10 Td (not ) Tj ET Q q 0 0 0 rg BT 195.30 177.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 228.87 177.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.45 177.10 Td (be ) Tj ET Q q 0 0 0 rg BT 247.53 177.10 Td (collected ) Tj ET Q q 0 0 0 rg BT 281.59 177.10 Td (due ) Tj ET Q q 0 0 0 rg BT 296.17 177.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.75 177.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 321.83 177.10 Td (prepayments ) Tj ET Q q 0 0 0 rg BT 369.40 177.10 Td (as ) Tj ET Q q 0 0 0 rg BT 378.48 177.10 Td (well ) Tj ET Q q 0 0 0 rg BT 395.56 177.10 Td (as ) Tj ET Q q 0 0 0 rg BT 404.64 177.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 438.21 177.10 Td (and ) Tj ET Q q 0 0 0 rg BT 452.78 177.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 480.86 177.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 516.93 177.10 Td (not ) Tj ET Q q 0 0 0 rg BT 530.02 177.10 Td (expected ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 166.30 Td (to ) Tj ET Q q 0 0 0 rg BT 95.25 166.30 Td (be ) Tj ET Q q 0 0 0 rg BT 106.00 166.30 Td (collected ) Tj ET Q q 0 0 0 rg BT 140.73 166.30 Td (due ) Tj ET Q q 0 0 0 rg BT 155.97 166.30 Td (to ) Tj ET Q q 0 0 0 rg BT 165.22 166.30 Td (customer ) Tj ET Q q 0 0 0 rg BT 200.46 166.30 Td (default.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.30 Td (The ) Tj ET Q q 0 0 0 rg BT 69.04 142.30 Td (fair ) Tj ET Q q 0 0 0 rg BT 86.41 142.30 Td (value ) Tj ET Q q 0 0 0 rg BT 111.56 142.30 Td (estimates ) Tj ET Q q 0 0 0 rg BT 152.27 142.30 Td (of ) Tj ET Q q 0 0 0 rg BT 164.10 142.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 188.70 142.30 Td (decreased ) Tj ET Q q 0 0 0 rg BT 231.61 142.30 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.10 142.30 Td ($12.1 ) Tj ET Q q 0 0 0 rg BT 271.10 142.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.99 142.30 Td ( ) Tj ET Q q 0 0 0 rg BT 303.49 142.30 Td (compared ) Tj ET Q q 0 0 0 rg BT 346.41 142.30 Td (to ) Tj ET Q q 0 0 0 rg BT 357.68 142.30 Td (previously ) Tj ET Q q 0 0 0 rg BT 403.39 142.30 Td (reported ) Tj ET Q q 0 0 0 rg BT 440.20 142.30 Td (balances, ) Tj ET Q q 0 0 0 rg BT 480.62 142.30 Td (which ) Tj ET Q q 0 0 0 rg BT 508.55 142.30 Td (increased ) Tj ET Q q 0 0 0 rg BT 549.80 142.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.30 Td (deferred ) Tj ET Q q 0 0 0 rg BT 85.95 130.30 Td (tax ) Tj ET Q q 0 0 0 rg BT 100.82 130.30 Td (asset ) Tj ET Q q 0 0 0 rg BT 122.90 130.30 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.55 130.30 Td ($4.7 ) Tj ET Q q 0 0 0 rg BT 155.69 130.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 184.58 130.30 Td ( ) Tj ET Q q 0 0 0 rg BT 187.23 130.30 Td (and ) Tj ET Q q 0 0 0 rg BT 204.32 130.30 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 242.52 130.30 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.17 130.30 Td ($7.2 ) Tj ET Q q 0 0 0 rg BT 275.31 130.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.20 130.30 Td (. ) Tj ET Q q 0 0 0 rg BT 309.35 130.30 Td ( ) Tj ET Q q 0 0 0 rg BT 311.81 130.30 Td (The ) Tj ET Q q 0 0 0 rg BT 330.00 130.30 Td (accretable ) Tj ET Q q 0 0 0 rg BT 373.16 130.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 409.70 130.30 Td (for ) Tj ET Q q 0 0 0 rg BT 424.00 130.30 Td (the ) Tj ET Q q 0 0 0 rg BT 438.87 130.30 Td (non-purchased ) Tj ET Q q 0 0 0 rg BT 500.38 130.30 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 74.01 118.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 92.46 118.30 Td ($21.1 ) Tj ET Q q 0 0 0 rg BT 117.85 118.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.75 118.30 Td ( ) Tj ET Q q 0 0 0 rg BT 149.64 118.30 Td (as ) Tj ET Q q 0 0 0 rg BT 160.87 118.30 Td (of ) Tj ET Q q 0 0 0 rg BT 172.10 118.30 Td (the ) Tj ET Q q 0 0 0 rg BT 187.21 118.30 Td (date ) Tj ET Q q 0 0 0 rg BT 206.77 118.30 Td (of ) Tj ET Q q 0 0 0 rg BT 218.00 118.30 Td (the ) Tj ET Q q 0 0 0 rg BT 233.11 118.30 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 282.39 118.30 Td ( ) Tj ET Q q 0 0 0 rg BT 285.08 118.30 Td (The ) Tj ET Q q 0 0 0 rg BT 303.52 118.30 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 365.27 118.30 Td (and ) Tj ET Q q 0 0 0 rg BT 382.61 118.30 Td (accretable ) Tj ET Q q 0 0 0 rg BT 426.02 118.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 462.81 118.30 Td (for ) Tj ET Q q 0 0 0 rg BT 477.36 118.30 Td (the ) Tj ET Q q 0 0 0 rg BT 492.48 118.30 Td (purchased ) Tj ET Q q 0 0 0 rg BT 535.91 118.30 Td (credit-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.30 Td (impaired ) Tj ET Q q 0 0 0 rg BT 88.04 106.30 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.65 106.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.70 106.30 Td ($20.0 ) Tj ET Q q 0 0 0 rg BT 154.70 106.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.59 106.30 Td ( ) Tj ET Q q 0 0 0 rg BT 186.09 106.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.03 106.30 Td ($5.1 ) Tj ET Q q 0 0 0 rg BT 223.03 106.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.92 106.30 Td (, ) Tj ET Q q 0 0 0 rg BT 256.92 106.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 304.58 106.30 Td (, ) Tj ET Q q 0 0 0 rg BT 309.58 106.30 Td (as ) Tj ET Q q 0 0 0 rg BT 320.42 106.30 Td (of ) Tj ET Q q 0 0 0 rg BT 331.25 106.30 Td (the ) Tj ET Q q 0 0 0 rg BT 345.96 106.30 Td (date ) Tj ET Q q 0 0 0 rg BT 365.12 106.30 Td (of ) Tj ET Q q 0 0 0 rg BT 375.95 106.30 Td (the ) Tj ET Q q 0 0 0 rg BT 390.66 106.30 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 439.55 106.30 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.85 82.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.03 82.30 Td (incurred ) Tj ET Q q 0 0 0 rg BT 144.65 82.30 Td (costs ) Tj ET Q q 0 0 0 rg BT 166.95 82.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.58 82.30 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 197.38 82.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.27 82.30 Td ( ) Tj ET Q q 0 0 0 rg BT 228.57 82.30 Td (directly ) Tj ET Q q 0 0 0 rg BT 261.41 82.30 Td (related ) Tj ET Q q 0 0 0 rg BT 290.91 82.30 Td (to ) Tj ET Q q 0 0 0 rg BT 300.99 82.30 Td (the ) Tj ET Q q 0 0 0 rg BT 315.51 82.30 Td (consummation ) Tj ET Q q 0 0 0 rg BT 376.69 82.30 Td (of ) Tj ET Q q 0 0 0 rg BT 387.32 82.30 Td (the ) Tj ET Q q 0 0 0 rg BT 401.33 82.30 Td (American ) Tj ET Q q 0 0 0 rg BT 443.05 82.30 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 484.78 82.30 Td (Mer) Tj ET Q q 0 0 0 rg BT 501.25 82.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 516.32 82.30 Td (for ) Tj ET Q q 0 0 0 rg BT 530.28 82.30 Td (the ) Tj ET Q q 0 0 0 rg BT 544.80 82.30 Td (year ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 76.45 70.30 Td (December ) Tj ET Q q 0 0 0 rg BT 120.12 70.30 Td (31, ) Tj ET Q q 0 0 0 rg BT 135.19 70.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 160.27 70.30 Td (which ) Tj ET Q q 0 0 0 rg BT 187.29 70.30 Td (is ) Tj ET Q q 0 0 0 rg BT 196.53 70.30 Td (recorded ) Tj ET Q q 0 0 0 rg BT 234.08 70.30 Td (in ) Tj ET Q q 0 0 0 rg BT 244.44 70.30 Td (professional ) Tj ET Q q 0 0 0 rg BT 295.89 70.30 Td (and ) Tj ET Q q 0 0 0 rg BT 312.91 70.30 Td (legal ) Tj ET Q q 0 0 0 rg BT 334.92 70.30 Td (fees ) Tj ET Q q 0 0 0 rg BT 353.60 70.30 Td (on ) Tj ET Q q 0 0 0 rg BT 366.17 70.30 Td (the ) Tj ET Q q 0 0 0 rg BT 380.97 70.30 Td (statement ) Tj ET Q q 0 0 0 rg BT 421.87 70.30 Td (of ) Tj ET Q q 0 0 0 rg BT 432.77 70.30 Td (operations. ) Tj ET Q q 0 0 0 rg BT 479.50 70.30 Td ( ) Tj ET Q q 0 0 0 rg BT 481.90 70.30 Td (The ) Tj ET Q q 0 0 0 rg BT 500.02 70.30 Td (data ) Tj ET Q q 0 0 0 rg BT 519.25 70.30 Td (processing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.30 Td (systems ) Tj ET Q q 0 0 0 rg BT 84.17 58.30 Td (were ) Tj ET Q q 0 0 0 rg BT 106.10 58.30 Td (converted ) Tj ET Q q 0 0 0 rg BT 148.02 58.30 Td (in ) Tj ET Q q 0 0 0 rg BT 158.30 58.30 Td (September ) Tj ET Q q 0 0 0 rg BT 203.56 58.30 Td (2016. ) Tj ET Q endstream endobj 189 0 obj <> endobj 190 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (94) Tj ET Q 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 67.93 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.19 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 131.01 742.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 167.83 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.42 742.10 Td (unaudited ) Tj ET Q q 0 0 0 rg BT 224.24 742.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 239.95 742.10 Td (forma ) Tj ET Q q 0 0 0 rg BT 266.21 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 315.80 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 329.84 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.44 742.10 Td (results ) Tj ET Q q 0 0 0 rg BT 372.92 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 383.64 742.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 427.67 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 441.71 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.31 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 479.79 742.10 Td (ended ) Tj ET Q q 0 0 0 rg BT 506.04 742.10 Td (December ) Tj ET Q q 0 0 0 rg BT 549.51 742.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 71.73 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.89 730.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 112.11 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 122.17 730.10 Td (if ) Tj ET Q q 0 0 0 rg BT 130.00 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.94 730.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 189.55 730.10 Td (had ) Tj ET Q q 0 0 0 rg BT 205.71 730.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 242.42 730.10 Td (January ) Tj ET Q q 0 0 0 rg BT 275.24 730.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 284.46 730.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 308.69 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 310.29 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 327.56 730.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 342.62 730.10 Td (forma ) Tj ET Q q 0 0 0 rg BT 368.22 730.10 Td (results ) Tj ET Q q 0 0 0 rg BT 396.05 730.10 Td (combine ) Tj ET Q q 0 0 0 rg BT 432.21 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.15 730.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 485.09 730.10 Td (results ) Tj ET Q q 0 0 0 rg BT 512.92 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 522.60 730.10 Td (American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 93.77 718.10 Td (into ) Tj ET Q q 0 0 0 rg BT 113.68 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.24 718.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 179.17 718.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 234.06 718.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 276.73 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.41 718.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 335.42 718.10 Td (including ) Tj ET Q q 0 0 0 rg BT 377.54 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.11 718.10 Td (impact ) Tj ET Q q 0 0 0 rg BT 425.67 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.35 718.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 469.90 718.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 518.13 718.10 Td (accounting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 100.80 706.10 Td (including ) Tj ET Q q 0 0 0 rg BT 141.60 706.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 161.84 706.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 198.75 706.10 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 240.92 706.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 287.82 706.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 328.61 706.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 365.52 706.10 Td (accretion, ) Tj ET Q q 0 0 0 rg BT 407.69 706.10 Td (intangible ) Tj ET Q q 0 0 0 rg BT 450.70 706.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 477.06 706.10 Td (amortization, ) Tj ET Q q 0 0 0 rg BT 533.12 706.10 Td (deposit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (premium ) Tj ET Q q 0 0 0 rg BT 89.12 694.10 Td (accretion ) Tj ET Q q 0 0 0 rg BT 128.77 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 146.23 694.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 190.90 694.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 227.81 694.10 Td (amortization. ) Tj ET Q q 0 0 0 rg BT 283.86 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.65 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 305.22 694.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 321.56 694.10 Td (forma ) Tj ET Q q 0 0 0 rg BT 348.45 694.10 Td (results ) Tj ET Q q 0 0 0 rg BT 377.58 694.10 Td (have ) Tj ET Q q 0 0 0 rg BT 399.47 694.10 Td (been ) Tj ET Q q 0 0 0 rg BT 421.36 694.10 Td (prepared ) Tj ET Q q 0 0 0 rg BT 459.35 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 474.03 694.10 Td (comparative ) Tj ET Q q 0 0 0 rg BT 526.46 694.10 Td (purposes ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (only ) Tj ET Q q 0 0 0 rg BT 69.47 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 85.60 682.10 Td (are ) Tj ET Q q 0 0 0 rg BT 99.50 682.10 Td (not ) Tj ET Q q 0 0 0 rg BT 113.98 682.10 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 160.09 682.10 Td (indicative ) Tj ET Q q 0 0 0 rg BT 201.21 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 211.24 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 225.15 682.10 Td (results ) Tj ET Q q 0 0 0 rg BT 252.95 682.10 Td (that ) Tj ET Q q 0 0 0 rg BT 269.64 682.10 Td (would ) Tj ET Q q 0 0 0 rg BT 296.33 682.10 Td (have ) Tj ET Q q 0 0 0 rg BT 316.90 682.10 Td (been ) Tj ET Q q 0 0 0 rg BT 337.47 682.10 Td (obtained ) Tj ET Q q 0 0 0 rg BT 373.60 682.10 Td (had ) Tj ET Q q 0 0 0 rg BT 389.73 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.64 682.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 449.22 682.10 Td (actually ) Tj ET Q q 0 0 0 rg BT 482.56 682.10 Td (occurred ) Tj ET Q q 0 0 0 rg BT 519.23 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 530.92 682.10 Td (January ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 60.72 670.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 86.44 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 89.66 670.10 Td (No ) Tj ET Q q 0 0 0 rg BT 105.10 670.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 157.77 670.10 Td (have ) Tj ET Q q 0 0 0 rg BT 179.87 670.10 Td (been ) Tj ET Q q 0 0 0 rg BT 201.97 670.10 Td (applied ) Tj ET Q q 0 0 0 rg BT 234.62 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 245.62 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 261.05 670.10 Td (pro ) Tj ET Q q 0 0 0 rg BT 277.60 670.10 Td (forma ) Tj ET Q q 0 0 0 rg BT 304.70 670.10 Td (results ) Tj ET Q q 0 0 0 rg BT 334.03 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.58 670.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 390.46 670.10 Td (regarding ) Tj ET Q q 0 0 0 rg BT 431.99 670.10 Td (possible ) Tj ET Q q 0 0 0 rg BT 467.99 670.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 502.86 670.10 Td (enhancements, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 90.23 658.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.34 658.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.55 658.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 158.39 658.10 Td (expense ) Tj ET Q q 0 0 0 rg BT 193.04 658.10 Td (ef) Tj ET Q q 0 0 0 rg BT 200.63 658.10 Td (ficiencies ) Tj ET Q q 0 0 0 rg BT 241.39 658.10 Td (or ) Tj ET Q q 0 0 0 rg BT 252.17 658.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 274.06 658.10 Td (dispositions. ) Tj ET Q q 0 0 0 rg BT 326.62 658.10 Td (The ) Tj ET Q q 0 0 0 rg BT 344.61 658.10 Td (mer) Tj ET Q q 0 0 0 rg BT 359.98 658.10 Td (ger ) Tj ET Q q 0 0 0 rg BT 375.20 658.10 Td (related ) Tj ET Q q 0 0 0 rg BT 404.85 658.10 Td (expenses ) Tj ET Q q 0 0 0 rg BT 443.40 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 460.84 658.10 Td (have ) Tj ET Q q 0 0 0 rg BT 482.16 658.10 Td (been ) Tj ET Q q 0 0 0 rg BT 503.49 658.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 549.80 658.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (included ) Tj ET Q q 0 0 0 rg BT 86.93 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 97.21 646.10 Td (net ) Tj ET Q q 0 0 0 rg BT 111.93 646.10 Td (income ) Tj ET Q q 0 0 0 rg BT 143.86 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 154.14 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 168.86 646.10 Td (table ) Tj ET Q q 0 0 0 rg BT 190.79 646.10 Td (below) Tj ET Q q 0 0 0 rg BT 214.58 646.10 Td (. ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 575.60 394.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 575.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 575.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 575.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 575.60 55.00 -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 448.5 611.6 m 503.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 611.6 m 507.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 611.6 m 562.5 611.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 599.6 m 503.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 599.6 m 562.5 599.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 453.30 615.00 Td (Years Ended December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 603.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.50 603.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 590.86 Td (\(in thousands\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 578.86 Td (Total revenues \(net interest income plus non-interest income\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 578.86 Td (971,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 578.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 578.86 Td (909,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 566.86 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 566.86 Td (195,335) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 566.86 Td (193,898) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td (Revenues ) Tj ET Q q 0 0 0 rg BT 92.21 540.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.98 540.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 147.19 540.10 Td (of ) Tj ET Q q 0 0 0 rg BT 158.85 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 174.40 540.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 212.15 540.10 Td (company ) Tj ET Q q 0 0 0 rg BT 252.14 540.10 Td (since ) Tj ET Q q 0 0 0 rg BT 276.02 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 291.57 540.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 338.78 540.10 Td (date ) Tj ET Q q 0 0 0 rg BT 358.77 540.10 Td (have ) Tj ET Q q 0 0 0 rg BT 380.97 540.10 Td (not ) Tj ET Q q 0 0 0 rg BT 397.08 540.10 Td (been ) Tj ET Q q 0 0 0 rg BT 419.29 540.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 459.84 540.10 Td (as ) Tj ET Q q 0 0 0 rg BT 471.50 540.10 Td (it ) Tj ET Q q 0 0 0 rg BT 480.39 540.10 Td (is ) Tj ET Q q 0 0 0 rg BT 490.39 540.10 Td (not ) Tj ET Q q 0 0 0 rg BT 506.50 540.10 Td (practicable ) Tj ET Q q 0 0 0 rg BT 553.69 540.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (American ) Tj ET Q q 0 0 0 rg BT 91.92 528.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 133.85 528.10 Td (was ) Tj ET Q q 0 0 0 rg BT 151.90 528.10 Td (mer) Tj ET Q q 0 0 0 rg BT 167.27 528.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 184.20 528.10 Td (into ) Tj ET Q q 0 0 0 rg BT 202.26 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 216.98 528.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 258.36 528.10 Td (and ) Tj ET Q q 0 0 0 rg BT 275.30 528.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 310.56 528.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 348.04 528.10 Td (information ) Tj ET Q q 0 0 0 rg BT 397.75 528.10 Td (is ) Tj ET Q q 0 0 0 rg BT 406.92 528.10 Td (not ) Tj ET Q q 0 0 0 rg BT 422.20 528.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 452.46 528.10 Td (available.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 492.10 Td (Note 3. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 492.10 Td ( Restrictions on Cash and Due Fr) Tj ET Q q 0 0 0 rg BT 269.05 492.10 Td (om Banks) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 68.72 468.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 109.09 468.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 133.36 468.10 Td (is ) Tj ET Q q 0 0 0 rg BT 143.18 468.10 Td (required ) Tj ET Q q 0 0 0 rg BT 179.66 468.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.59 468.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 228.74 468.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 260.77 468.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 298.35 468.10 Td (in ) Tj ET Q q 0 0 0 rg BT 309.29 468.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 330.21 468.10 Td (or ) Tj ET Q q 0 0 0 rg BT 341.70 468.10 Td (on ) Tj ET Q q 0 0 0 rg BT 354.86 468.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 386.91 468.10 Td (with ) Tj ET Q q 0 0 0 rg BT 407.84 468.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.22 468.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 456.36 468.10 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 491.73 468.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 518.49 468.10 Td (based ) Tj ET Q q 0 0 0 rg BT 544.42 468.10 Td (on ) Tj ET Q q 0 0 0 rg BT 557.58 468.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 456.10 Td (percentage ) Tj ET Q q 0 0 0 rg BT 96.58 456.10 Td (of ) Tj ET Q q 0 0 0 rg BT 108.19 456.10 Td (deposits. ) Tj ET Q q 0 0 0 rg BT 149.01 456.10 Td (The ) Tj ET Q q 0 0 0 rg BT 167.83 456.10 Td (total ) Tj ET Q q 0 0 0 rg BT 188.88 456.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.49 456.10 Td (those ) Tj ET Q q 0 0 0 rg BT 224.88 456.10 Td (required ) Tj ET Q q 0 0 0 rg BT 261.47 456.10 Td (reserve ) Tj ET Q q 0 0 0 rg BT 293.61 456.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 331.32 456.10 Td (was ) Tj ET Q q 0 0 0 rg BT 350.15 456.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.18 456.10 Td ($204.8) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.68 456.10 Td ( ) Tj ET Q q 0 0 0 rg BT 441.96 456.10 Td (million ) Tj ET Q q 0 0 0 rg BT 474.13 456.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.85 456.10 Td ($148.0) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.35 456.10 Td ( ) Tj ET Q q 0 0 0 rg BT 522.62 456.10 Td (million ) Tj ET Q q 0 0 0 rg BT 554.79 456.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 444.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 444.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 444.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.02 444.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.02 444.10 Td (, ) Tj ET Q q 0 0 0 rg BT 173.02 444.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 220.68 444.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 420.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.15 420.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 95.75 420.10 Td (of ) Tj ET Q q 0 0 0 rg BT 106.68 420.10 Td (the ) Tj ET Q q 0 0 0 rg BT 121.50 420.10 Td (Company) Tj ET Q q 0 0 0 rg BT 163.17 420.10 Td (s ) Tj ET Q q 0 0 0 rg BT 169.67 420.10 Td (business ) Tj ET Q q 0 0 0 rg BT 206.17 420.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 240.98 420.10 Td (that ) Tj ET Q q 0 0 0 rg BT 258.58 420.10 Td (it ) Tj ET Q q 0 0 0 rg BT 266.74 420.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 304.34 420.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 340.83 420.10 Td (with ) Tj ET Q q 0 0 0 rg BT 361.22 420.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 387.16 420.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.20 420.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 434.56 420.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 459.39 420.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 478.67 420.10 Td (which, ) Tj ET Q q 0 0 0 rg BT 508.21 420.10 Td (at ) Tj ET Q q 0 0 0 rg BT 518.03 420.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 544.80 420.10 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 408.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 80.29 408.10 Td (federally ) Tj ET Q q 0 0 0 rg BT 118.36 408.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 150.33 408.10 Td (limits. ) Tj ET Q q 0 0 0 rg BT 180.65 408.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 235.39 408.10 Td (monitors ) Tj ET Q q 0 0 0 rg BT 273.48 408.10 Td (these ) Tj ET Q q 0 0 0 rg BT 296.56 408.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 355.74 408.10 Td (relationships ) Tj ET Q q 0 0 0 rg BT 409.38 408.10 Td (and ) Tj ET Q q 0 0 0 rg BT 426.36 408.10 Td (the ) Tj ET Q q 0 0 0 rg BT 441.11 408.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 482.53 408.10 Td (has ) Tj ET Q q 0 0 0 rg BT 498.40 408.10 Td (not ) Tj ET Q q 0 0 0 rg BT 513.71 408.10 Td (experienced ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 396.10 Td (any ) Tj ET Q q 0 0 0 rg BT 66.94 396.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 93.33 396.10 Td (in ) Tj ET Q q 0 0 0 rg BT 103.61 396.10 Td (such ) Tj ET Q q 0 0 0 rg BT 124.44 396.10 Td (accounts.) Tj ET Q endstream endobj 191 0 obj <> endobj 192 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (95) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 4. ) Tj ET Q BT /F2 3.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.75 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 131.25 742.25 Td (Investment Securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Amortized costs and fair values of investment securities were as follows \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 667.75 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 667.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 667.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 667.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 667.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 667.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 667.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 667.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 667.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 641.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 641.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 641.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 613.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 613.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 613.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 585.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 585.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 585.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 585.75 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 557.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 530.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 530.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 530.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 530.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 530.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 530.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 530.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 530.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 530.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 502.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 502.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 502.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 502.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 502.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 502.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 502.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 502.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 502.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.75 240.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 474.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 474.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 474.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 474.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 474.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 448.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 448.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 448.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 448.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 448.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 448.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 448.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 448.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 448.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 420.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 420.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 420.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 420.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 420.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 420.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 420.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 420.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 420.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 392.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 392.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 392.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 392.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 392.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 392.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 392.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 392.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 392.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 364.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 364.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 364.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 364.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 364.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 364.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 364.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 364.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 364.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 336.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 336.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 336.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 336.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 336.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 336.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 336.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 336.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 336.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 308.75 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 308.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 308.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 358.50 308.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 308.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 308.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 308.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 308.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 308.75 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 294.5 667.75 m 358.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 667.75 m 426.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 667.75 m 494.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 667.75 m 562.5 667.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 557.75 m 358.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 557.75 m 426.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 557.75 m 494.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 557.75 m 562.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 557.75 m 426.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 557.75 m 494.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 557.75 m 562.5 557.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 502.75 m 358.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 502.75 m 426.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 502.75 m 494.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 502.75 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 362.5 502.75 m 426.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 488.75 m 426.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 502.75 m 494.5 502.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 488.75 m 494.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 502.75 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 498.5 488.75 m 562.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 488.75 m 358.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 475.75 m 358.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 473.75 m 358.5 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 488.75 m 426.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 475.75 m 426.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 473.75 m 426.5 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 488.75 m 494.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 475.75 m 494.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 473.75 m 494.5 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 488.75 m 562.5 488.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 475.75 m 562.5 475.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 473.75 m 562.5 473.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 364.75 m 562.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 364.75 m 358.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 364.75 m 426.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 364.75 m 494.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 364.75 m 562.5 364.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 308.75 m 358.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 308.75 m 426.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 308.75 m 494.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 308.75 m 562.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 308.75 m 426.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 294.75 m 426.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 308.75 m 494.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 294.75 m 494.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 308.75 m 562.5 308.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 294.75 m 562.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 294.75 m 358.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 281.75 m 358.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 279.75 m 358.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 294.75 m 426.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 281.75 m 426.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 362.5 279.75 m 426.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 294.75 m 494.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 281.75 m 494.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 279.75 m 494.5 279.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 294.75 m 562.5 294.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 281.75 m 562.5 281.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 279.75 m 562.5 279.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.50 681.20 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 317.25 672.20 Td (Cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.80 687.15 Td (Gr) Tj ET Q q 0 0 0 rg BT 393.63 687.15 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.05 678.15 Td (Unr) Tj ET Q q 0 0 0 rg BT 388.39 678.15 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 382.70 669.20 Td (Gains) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 450.80 687.15 Td (Gr) Tj ET Q q 0 0 0 rg BT 461.63 687.15 Td (oss) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 441.05 678.15 Td (Unr) Tj ET Q q 0 0 0 rg BT 456.39 678.15 Td (ealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.45 669.20 Td (Losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 521.80 681.20 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 519.15 672.20 Td (V) Tj ET Q q 0 0 0 rg BT 524.82 672.20 Td (alue) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 658.48 Td (December31, 2016) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 355.00 657.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 657.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 657.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 657.51 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 645.48 Td (Available for Sale) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 355.00 644.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 644.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 644.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 644.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 632.32 Td (U.S. Government sponsored agencies and enterprises) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.00 632.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 632.32 Td (23,267) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.00 632.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 632.32 Td (148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 632.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 632.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 632.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 632.32 Td (23,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 618.32 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 618.32 Td (376,541) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 618.32 Td (15,669) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 618.37 Td (\(845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 618.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 618.32 Td (391,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 604.32 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 604.32 Td (988,744) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 604.32 Td (5,741) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 604.37 Td (\(10,801) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 604.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 604.32 Td (983,684) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 590.32 Td (Commercial mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 590.32 Td (91,949) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 590.32 Td (1,221) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 590.37 Td (\(162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 590.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 590.32 Td (93,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 576.32 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 576.32 Td (193,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 576.32 Td (1,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 576.37 Td (\(695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 576.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 576.32 Td (193,895) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 562.32 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 562.32 Td (11,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 562.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 562.37 Td (\(172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 562.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 562.32 Td (10,828) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 548.43 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 548.32 Td (1,684,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 548.32 Td (24,205) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 548.37 Td (\(12,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 548.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 548.32 Td (1,696,195) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 534.48 Td (Held to Maturity) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 355.00 533.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 533.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 533.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 533.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 521.32 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 521.32 Td (910,608) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 521.32 Td (21,609) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 521.37 Td (\(3,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 521.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 521.32 Td (929,178) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 507.32 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 507.32 Td (159,142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 507.32 Td (5,420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 507.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 507.32 Td (164,562) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 493.43 Td ( Total Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 493.32 Td (1,069,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 493.32 Td (27,029) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 493.37 Td (\(3,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 493.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 493.32 Td (1,093,740) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 479.48 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.00 479.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 479.32 Td (2,754,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.00 479.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 479.32 Td (51,234) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 479.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 479.37 Td (\(15,714) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 479.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 479.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 479.32 Td (2,789,935) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 465.48 Td (December31, 2015) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 355.00 464.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 464.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 464.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 464.51 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 452.48 Td (Available for Sale) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 355.00 451.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 451.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 451.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 451.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 439.32 Td (U.S. Government sponsored agencies and enterprises) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.00 439.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 439.32 Td (63,805) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.00 439.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 439.32 Td (806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 439.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 439.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 439.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 439.32 Td (64,611) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 425.32 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 425.32 Td (373,285) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 425.32 Td (23,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.30 425.37 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 425.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 425.32 Td (396,367) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 411.32 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 411.32 Td (759,816) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 411.32 Td (7,363) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 411.37 Td (\(3,630) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 411.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 411.32 Td (763,549) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 397.32 Td (Commercial mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 397.32 Td (128,509) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 397.32 Td (1,839) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 397.37 Td (\(241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 397.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 397.32 Td (130,107) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 383.32 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 383.32 Td (222,784) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 407.65 383.32 Td (815) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 383.37 Td (\(3,971) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 383.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 383.32 Td (219,628) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 369.32 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.15 369.32 Td (10,757) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 417.65 369.32 Td (4) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 369.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 369.32 Td (10,761) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 355.43 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 355.32 Td (1,558,956) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 355.32 Td (33,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 355.37 Td (\(7,843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 355.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 355.32 Td (1,585,023) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 341.48 Td (Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 327.32 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 327.32 Td (1,016,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 327.32 Td (36,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 327.37 Td (\(638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 327.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 327.32 Td (1,052,755) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 313.32 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.15 313.32 Td (214,291) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 313.32 Td (7,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 313.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 313.32 Td (222,012) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 299.43 Td ( Total Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 299.32 Td (1,230,810) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 299.32 Td (44,595) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.30 299.37 Td (\(638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 299.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 299.32 Td (1,274,767) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 285.48 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.00 285.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.65 285.32 Td (2,789,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.00 285.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 285.32 Td (78,505) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 285.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 285.37 Td (\(8,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 285.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 285.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 285.32 Td (2,859,790) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 257.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.36 257.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.06 257.25 Td (has ) Tj ET Q q 0 0 0 rg BT 123.21 257.25 Td (no ) Tj ET Q q 0 0 0 rg BT 135.02 257.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 159.60 257.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 197.51 257.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.10 257.25 Td (the ) Tj ET Q q 0 0 0 rg BT 221.13 257.25 Td (State ) Tj ET Q q 0 0 0 rg BT 242.94 257.25 Td (of ) Tj ET Q q 0 0 0 rg BT 253.09 257.25 Td (Illinois, ) Tj ET Q q 0 0 0 rg BT 285.73 257.25 Td (but ) Tj ET Q q 0 0 0 rg BT 300.33 257.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.90 257.25 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 378.23 257.25 Td ( ) Tj ET Q q 0 0 0 rg BT 380.04 257.25 Td (of ) Tj ET Q q 0 0 0 rg BT 390.19 257.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.22 257.25 Td (state ) Tj ET Q q 0 0 0 rg BT 424.36 257.25 Td (and ) Tj ET Q q 0 0 0 rg BT 440.61 257.25 Td (political ) Tj ET Q q 0 0 0 rg BT 475.19 257.25 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 527.02 257.25 Td (portfolio ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 83.87 245.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.39 245.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 134.36 245.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 161.55 245.25 Td (by ) Tj ET Q q 0 0 0 rg BT 173.75 245.25 Td (municipalities ) Tj ET Q q 0 0 0 rg BT 232.60 245.25 Td (located ) Tj ET Q q 0 0 0 rg BT 263.67 245.25 Td (in ) Tj ET Q q 0 0 0 rg BT 273.65 245.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 304.18 245.25 Td (as ) Tj ET Q q 0 0 0 rg BT 314.71 245.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.23 245.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 383.52 245.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.52 245.25 Td (. ) Tj ET Q q 0 0 0 rg BT 408.21 245.25 Td ( ) Tj ET Q q 0 0 0 rg BT 409.93 245.25 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.66 245.25 Td (95%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.99 245.25 Td ( ) Tj ET Q q 0 0 0 rg BT 493.19 245.25 Td (of ) Tj ET Q q 0 0 0 rg BT 503.72 245.25 Td (such ) Tj ET Q q 0 0 0 rg BT 524.25 245.25 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 233.25 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 233.25 Td (general ) Tj ET Q q 0 0 0 rg BT 103.85 233.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 146.90 233.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 173.30 233.25 Td (as ) Tj ET Q q 0 0 0 rg BT 184.13 233.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.96 233.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 253.54 233.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 273.54 233.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.25 Td (During ) Tj ET Q q 0 0 0 rg BT 81.18 209.25 Td (the ) Tj ET Q q 0 0 0 rg BT 96.24 209.25 Td (third ) Tj ET Q q 0 0 0 rg BT 117.97 209.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 149.13 209.25 Td (of ) Tj ET Q q 0 0 0 rg BT 160.31 209.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 185.65 209.25 Td (the ) Tj ET Q q 0 0 0 rg BT 200.72 209.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 242.45 209.25 Td (repositioned ) Tj ET Q q 0 0 0 rg BT 294.73 209.25 Td (its ) Tj ET Q q 0 0 0 rg BT 307.02 209.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 340.40 209.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 363.79 209.25 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 411.08 209.25 Td (to ) Tj ET Q q 0 0 0 rg BT 421.70 209.25 Td (the ) Tj ET Q q 0 0 0 rg BT 436.56 209.25 Td (T) Tj ET Q q 0 0 0 rg BT 441.97 209.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 465.36 209.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 497.09 209.25 Td (mer) Tj ET Q q 0 0 0 rg BT 512.45 209.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 528.07 209.25 Td (and ) Tj ET Q q 0 0 0 rg BT 545.35 209.25 Td (sold ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 80.87 197.25 Td (longer) Tj ET Q q 0 0 0 rg BT 106.22 197.25 Td (-term ) Tj ET Q q 0 0 0 rg BT 131.54 197.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.65 197.25 Td (lower) Tj ET Q q 0 0 0 rg BT 172.22 197.25 Td (-coupon ) Tj ET Q q 0 0 0 rg BT 208.66 197.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 256.21 197.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 297.64 197.25 Td (with ) Tj ET Q q 0 0 0 rg BT 319.09 197.25 Td (an ) Tj ET Q q 0 0 0 rg BT 332.20 197.25 Td (approximate ) Tj ET Q q 0 0 0 rg BT 385.85 197.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 422.83 197.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 456.50 197.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.50 197.25 Td ($451.6 ) Tj ET Q q 0 0 0 rg BT 499.67 197.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 528.56 197.25 Td (. ) Tj ET Q q 0 0 0 rg BT 534.73 197.25 Td ( ) Tj ET Q q 0 0 0 rg BT 538.13 197.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.15 185.25 Td (security ) Tj ET Q q 0 0 0 rg BT 130.08 185.25 Td (sales ) Tj ET Q q 0 0 0 rg BT 151.78 185.25 Td (shortened ) Tj ET Q q 0 0 0 rg BT 192.93 185.25 Td (the ) Tj ET Q q 0 0 0 rg BT 207.42 185.25 Td (overall ) Tj ET Q q 0 0 0 rg BT 237.45 185.25 Td (duration ) Tj ET Q q 0 0 0 rg BT 273.04 185.25 Td (of ) Tj ET Q q 0 0 0 rg BT 283.64 185.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.13 185.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 344.28 185.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 384.32 185.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 421.58 185.25 Td (to ) Tj ET Q q 0 0 0 rg BT 431.63 185.25 Td (pre-mer) Tj ET Q q 0 0 0 rg BT 463.09 185.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 478.13 185.25 Td (levels. ) Tj ET Q q 0 0 0 rg BT 506.23 185.25 Td ( ) Tj ET Q q 0 0 0 rg BT 507.99 185.25 Td (Also ) Tj ET Q q 0 0 0 rg BT 529.16 185.25 Td (as ) Tj ET Q q 0 0 0 rg BT 539.75 185.25 Td (a ) Tj ET Q q 0 0 0 rg BT 546.46 185.25 Td (part ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.67 173.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.23 173.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 108.10 173.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 130.99 173.25 Td (repositioning, ) Tj ET Q q 0 0 0 rg BT 188.60 173.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 228.71 173.25 Td (of ) Tj ET Q q 0 0 0 rg BT 239.38 173.25 Td (states ) Tj ET Q q 0 0 0 rg BT 263.93 173.25 Td (and ) Tj ET Q q 0 0 0 rg BT 280.71 173.25 Td (political ) Tj ET Q q 0 0 0 rg BT 315.82 173.25 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 368.17 173.25 Td (with ) Tj ET Q q 0 0 0 rg BT 388.29 173.25 Td (an ) Tj ET Q q 0 0 0 rg BT 400.07 173.25 Td (approximate ) Tj ET Q q 0 0 0 rg BT 452.39 173.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 468.61 173.25 Td (value ) Tj ET Q q 0 0 0 rg BT 492.60 173.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.27 173.25 Td ($291.2 ) Tj ET Q q 0 0 0 rg BT 533.11 173.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.74 161.25 Td (amortized ) Tj ET Q q 0 0 0 rg BT 109.02 161.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 127.42 161.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.05 161.25 Td ($273.5 ) Tj ET Q q 0 0 0 rg BT 167.85 161.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.74 161.25 Td ( ) Tj ET Q q 0 0 0 rg BT 199.04 161.25 Td (were ) Tj ET Q q 0 0 0 rg BT 220.77 161.25 Td (transferred ) Tj ET Q q 0 0 0 rg BT 266.37 161.25 Td (from ) Tj ET Q q 0 0 0 rg BT 288.11 161.25 Td (held ) Tj ET Q q 0 0 0 rg BT 307.63 161.25 Td (to ) Tj ET Q q 0 0 0 rg BT 317.70 161.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 353.88 161.25 Td (to ) Tj ET Q q 0 0 0 rg BT 363.96 161.25 Td (available ) Tj ET Q q 0 0 0 rg BT 402.35 161.25 Td (for ) Tj ET Q q 0 0 0 rg BT 416.31 161.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 434.15 161.25 Td (during ) Tj ET Q q 0 0 0 rg BT 462.56 161.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.08 161.25 Td (third ) Tj ET Q q 0 0 0 rg BT 498.26 161.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 528.88 161.25 Td (of ) Tj ET Q q 0 0 0 rg BT 539.51 161.25 Td (2014. ) Tj ET Q q 0 0 0 rg BT 564.51 161.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 149.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.61 149.25 Td (a ) Tj ET Q q 0 0 0 rg BT 70.55 149.25 Td (result ) Tj ET Q q 0 0 0 rg BT 95.27 149.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.10 149.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.82 149.25 Td (repositioning, ) Tj ET Q q 0 0 0 rg BT 178.59 149.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.31 149.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 234.69 149.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 281.05 149.25 Td (a ) Tj ET Q q 0 0 0 rg BT 287.99 149.25 Td (net ) Tj ET Q q 0 0 0 rg BT 302.71 149.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 320.77 149.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.60 149.25 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 351.60 149.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.49 149.25 Td ( ) Tj ET Q q 0 0 0 rg BT 382.99 149.25 Td (in ) Tj ET Q q 0 0 0 rg BT 393.27 149.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.99 149.25 Td (third ) Tj ET Q q 0 0 0 rg BT 429.38 149.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 460.19 149.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.02 149.25 Td (2014. ) Tj ET Q endstream endobj 193 0 obj <> endobj 194 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (96) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Unrealized ) Tj ET Q q 0 0 0 rg BT 96.64 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 123.31 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 136.08 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 182.74 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 223.28 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.49 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.49 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 272.14 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 296.57 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.68 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.67 742.10 Td (related ) Tj ET Q q 0 0 0 rg BT 352.65 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.19 742.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.18 742.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 462.04 742.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.04 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.81 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 507.02 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.13 742.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 550.90 742.10 Td (\(in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 164.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 644.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 605.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 605.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 605.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 577.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 577.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 577.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 550.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 550.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 550.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 550.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 550.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 550.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 550.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 550.60 54.00 -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 218.5 695.6 m 272.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 695.6 m 276.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 695.6 m 330.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 695.6 m 388.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 695.6 m 392.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 695.6 m 446.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 695.6 m 504.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 695.6 m 508.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 695.6 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 276.5 695.6 m 330.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 695.6 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 218.5 671.6 m 272.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 671.6 m 330.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 671.6 m 388.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 671.6 m 446.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 671.6 m 504.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 577.6 m 504.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 577.6 m 562.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 577.6 m 272.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 577.6 m 330.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 577.6 m 388.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 577.6 m 446.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 577.6 m 504.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 577.6 m 562.5 577.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 536.6 m 272.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 523.6 m 272.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 521.6 m 272.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 536.6 m 330.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 523.6 m 330.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 521.6 m 330.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 536.6 m 388.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 523.6 m 388.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 521.6 m 388.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 536.6 m 446.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 523.6 m 446.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 521.6 m 446.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 536.6 m 504.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 523.6 m 504.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 521.6 m 504.5 521.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 536.6 m 562.5 536.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 523.6 m 562.5 523.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 521.6 m 562.5 521.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 698.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.65 699.00 Td (LessThan12Months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 699.00 Td (12MonthsorMore) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.15 699.00 Td (Total) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.80 687.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.05 687.00 Td (Unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.80 687.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.05 687.00 Td (Unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.80 687.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.05 687.00 Td (Unrealized) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.15 675.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.45 675.00 Td (Losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 675.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.45 675.00 Td (Losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.15 675.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.45 675.00 Td (Losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 662.33 Td (Available for Sale) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 269.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 327.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 385.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 443.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 501.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 661.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 649.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.15 649.17 Td (42,806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 649.22 Td (\(845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 649.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 649.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 649.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 649.17 Td (42,806) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 649.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 649.22 Td (\(845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 649.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 635.17 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 635.17 Td (623,732) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.80 635.22 Td (\(10,084) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 635.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 635.17 Td (54,990) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 635.22 Td (\(717) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 635.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 635.17 Td (678,722) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 635.22 Td (\(10,801) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 635.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 620.27 Td (Commercial mortgage-backed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.27 Td (securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.15 610.27 Td (7,062) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.30 610.32 Td (\(9) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 610.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 610.27 Td (11,612) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 610.32 Td (\(153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 610.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 610.27 Td (18,674) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 610.32 Td (\(162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 610.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.15 596.17 Td (21,028) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 596.22 Td (\(204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 596.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 596.17 Td (20,088) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 596.22 Td (\(491) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 596.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 596.17 Td (41,116) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 596.22 Td (\(695) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 596.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 582.17 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.15 582.17 Td (10,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 582.22 Td (\(172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 582.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 582.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 582.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 582.17 Td (10,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 582.22 Td (\(172) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 582.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 568.28 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 568.17 Td (705,456) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.80 568.22 Td (\(11,314) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 568.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 568.17 Td (86,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 568.22 Td (\(1,361) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 568.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 568.17 Td (792,146) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 568.22 Td (\(12,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 568.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 554.33 Td (Held to Maturity) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 269.00 553.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 327.00 553.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 385.00 553.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 443.00 553.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 501.00 553.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 553.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 541.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 541.17 Td (243,568) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.80 541.22 Td (\(2,999) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 541.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 541.17 Td (2,988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.30 541.22 Td (\(40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 541.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 541.17 Td (246,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 541.22 Td (\(3,039) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 541.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 527.33 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 527.17 Td (949,024) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.80 527.22 Td (\(14,313) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 527.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 527.17 Td (89,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 527.22 Td (\(1,401) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 527.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.60 527.17 Td (1,038,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 527.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 527.22 Td (\(15,714) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 527.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 511.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 499.10 Td (Unrealized ) Tj ET Q q 0 0 0 rg BT 96.64 499.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 123.31 499.10 Td (on ) Tj ET Q q 0 0 0 rg BT 136.08 499.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 182.74 499.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 223.28 499.10 Td (and ) Tj ET Q q 0 0 0 rg BT 240.49 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.49 499.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 272.14 499.10 Td (value ) Tj ET Q q 0 0 0 rg BT 296.57 499.10 Td (of ) Tj ET Q q 0 0 0 rg BT 307.68 499.10 Td (the ) Tj ET Q q 0 0 0 rg BT 322.67 499.10 Td (related ) Tj ET Q q 0 0 0 rg BT 352.65 499.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 393.19 499.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.18 499.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 462.04 499.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.04 499.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.81 499.10 Td (were ) Tj ET Q q 0 0 0 rg BT 507.02 499.10 Td (as ) Tj ET Q q 0 0 0 rg BT 518.13 499.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 550.90 499.10 Td (\(in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 487.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 475.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 428.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 428.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 428.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 400.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 400.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 400.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 361.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 361.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 361.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 333.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 333.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 333.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 305.60 164.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 214.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 218.50 305.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 272.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 305.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 305.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 305.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 305.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 305.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 305.60 54.00 -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 218.5 452.6 m 272.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 272.5 452.6 m 276.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 452.6 m 330.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 452.6 m 388.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 388.5 452.6 m 392.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 452.6 m 446.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 452.6 m 504.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 452.6 m 508.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 452.6 m 562.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 452.6 m 330.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 452.6 m 562.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 428.6 m 272.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 428.6 m 330.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 428.6 m 388.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 428.6 m 446.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 428.6 m 504.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 428.6 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 218.5 347.6 m 272.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 347.6 m 330.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 347.6 m 388.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 347.6 m 446.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 347.6 m 504.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 347.6 m 562.5 347.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 305.6 m 272.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 305.6 m 330.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 305.6 m 388.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 305.6 m 446.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 305.6 m 504.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 305.6 m 562.5 305.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 292.6 m 272.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 218.5 290.6 m 272.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 292.6 m 330.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 276.5 290.6 m 330.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 292.6 m 388.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 290.6 m 388.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 292.6 m 446.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 290.6 m 446.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 292.6 m 504.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 290.6 m 504.5 290.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 292.6 m 562.5 292.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 290.6 m 562.5 290.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 455.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 232.65 456.00 Td (LessThan12Months) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.75 456.00 Td (12MonthsorMore) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.15 456.00 Td (Total) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 443.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 236.80 444.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.05 444.00 Td (Unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.80 444.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.05 444.00 Td (Unrealized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 468.80 444.00 Td (Fair) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.05 444.00 Td (Unrealized) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 431.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 234.15 432.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 290.45 432.00 Td (Losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 350.15 432.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.45 432.00 Td (Losses) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.15 432.00 Td (Value) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 522.45 432.00 Td (Losses) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 419.33 Td (Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 405.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.65 405.17 Td (219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.30 405.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 405.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.65 405.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.65 405.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.65 405.17 Td (219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 405.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 550.30 405.22 Td (\(1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 405.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 391.17 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 391.17 Td (357,877) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.80 391.22 Td (\(2,835) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 391.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 391.17 Td (43,566) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 391.22 Td (\(795) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 391.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 391.17 Td (401,443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 391.22 Td (\(3,630) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 391.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 377.17 Td (Commercial mortgage-backed) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 367.17 Td (securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.15 366.27 Td (2,324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 318.30 366.32 Td (\(5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 366.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 366.27 Td (11,809) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 366.32 Td (\(236) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 366.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 366.27 Td (14,133) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 366.32 Td (\(241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 366.27 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 352.17 Td (Corporate bonds) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.15 352.17 Td (73,774) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.80 352.22 Td (\(1,164) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 352.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 352.17 Td (18,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 352.22 Td (\(2,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 352.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 352.17 Td (92,060) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 352.22 Td (\(3,971) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 352.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 338.28 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 338.17 Td (434,194) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.80 338.22 Td (\(4,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 338.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 338.17 Td (73,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 338.22 Td (\(3,838) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 338.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 338.17 Td (507,855) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 338.22 Td (\(7,843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 338.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 324.33 Td (Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 269.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 327.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 324.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 310.17 Td (States and political subdivisions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.15 310.17 Td (66,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.30 310.22 Td (\(519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 310.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.15 310.17 Td (6,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.30 310.22 Td (\(119) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 310.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 310.17 Td (72,342) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 310.22 Td (\(638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 310.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 296.33 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.15 296.17 Td (500,346) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.80 296.22 Td (\(4,524) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.65 296.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.15 296.17 Td (79,851) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.80 296.22 Td (\(3,957) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.65 296.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 296.17 Td (580,197) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 296.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 296.22 Td (\(8,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 296.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 280.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 268.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 268.10 Td (total ) Tj ET Q q 0 0 0 rg BT 88.87 268.10 Td (number ) Tj ET Q q 0 0 0 rg BT 122.18 268.10 Td (of ) Tj ET Q q 0 0 0 rg BT 133.29 268.10 Td (security ) Tj ET Q q 0 0 0 rg BT 167.71 268.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 206.61 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 217.16 268.10 Td (the ) Tj ET Q q 0 0 0 rg BT 232.15 268.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 278.80 268.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 316.57 268.10 Td (in ) Tj ET Q q 0 0 0 rg BT 327.12 268.10 Td (an ) Tj ET Q q 0 0 0 rg BT 339.33 268.10 Td (unrealized ) Tj ET Q q 0 0 0 rg BT 383.74 268.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 402.08 268.10 Td (position ) Tj ET Q q 0 0 0 rg BT 437.08 268.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.06 268.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 505.92 268.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.92 268.10 Td ( ) Tj ET Q q 0 0 0 rg BT 528.69 268.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 547.02 268.10 Td (615) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 256.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 91.65 256.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.65 256.10 Td (193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.65 256.10 Td ( ) Tj ET Q q 0 0 0 rg BT 118.87 256.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.31 256.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 186.61 256.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.61 256.10 Td (.Declines ) Tj ET Q q 0 0 0 rg BT 248.82 256.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.82 256.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.26 256.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 289.36 256.10 Td (value ) Tj ET Q q 0 0 0 rg BT 313.23 256.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.78 256.10 Td (available ) Tj ET Q q 0 0 0 rg BT 362.09 256.10 Td (for ) Tj ET Q q 0 0 0 rg BT 375.98 256.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 393.75 256.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 433.73 256.10 Td (below ) Tj ET Q q 0 0 0 rg BT 460.39 256.10 Td (their ) Tj ET Q q 0 0 0 rg BT 480.94 256.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 499.27 256.10 Td (that ) Tj ET Q q 0 0 0 rg BT 516.48 256.10 Td (are ) Tj ET Q q 0 0 0 rg BT 530.91 256.10 Td (deemed ) 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 60.25 244.10 Td (be ) Tj ET Q q 0 0 0 rg BT 72.16 244.10 Td (other ) Tj ET Q q 0 0 0 rg BT 95.17 244.10 Td (than ) Tj ET Q q 0 0 0 rg BT 114.86 244.10 Td (temporary ) Tj ET Q q 0 0 0 rg BT 158.42 244.10 Td (are ) Tj ET Q q 0 0 0 rg BT 173.10 244.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 210.54 244.10 Td (in ) Tj ET Q q 0 0 0 rg BT 220.79 244.10 Td (earnings ) Tj ET Q q 0 0 0 rg BT 257.13 244.10 Td (as ) Tj ET Q q 0 0 0 rg BT 267.93 244.10 Td (realized ) Tj ET Q q 0 0 0 rg BT 302.04 244.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 328.41 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 338.65 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 353.34 244.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 380.24 244.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.93 244.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 443.50 244.10 Td (is ) Tj ET Q q 0 0 0 rg BT 452.64 244.10 Td (related ) Tj ET Q q 0 0 0 rg BT 482.31 244.10 Td (to ) Tj ET Q q 0 0 0 rg BT 492.56 244.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 517.79 244.10 Td (losses. ) Tj ET Q q 0 0 0 rg BT 546.47 244.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 232.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 81.62 232.10 Td (of ) Tj ET Q q 0 0 0 rg BT 91.58 232.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.42 232.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 153.14 232.10 Td (related ) Tj ET Q q 0 0 0 rg BT 181.97 232.10 Td (to ) Tj ET Q q 0 0 0 rg BT 191.37 232.10 Td (other ) Tj ET Q q 0 0 0 rg BT 213.54 232.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 242.38 232.10 Td (is ) Tj ET Q q 0 0 0 rg BT 250.67 232.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 296.16 232.10 Td (in ) Tj ET Q q 0 0 0 rg BT 305.56 232.10 Td (other ) Tj ET Q q 0 0 0 rg BT 327.73 232.10 Td (comprehensive ) Tj ET Q q 0 0 0 rg BT 389.89 232.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 423.45 232.10 Td (In ) Tj ET Q q 0 0 0 rg BT 433.40 232.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 476.69 232.10 Td (other) Tj ET Q q 0 0 0 rg BT 497.04 232.10 Td (-than-temporary ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 220.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 98.93 220.10 Td (losses, ) Tj ET Q q 0 0 0 rg BT 128.15 220.10 Td (management ) Tj ET Q q 0 0 0 rg BT 182.08 220.10 Td (considers, ) Tj ET Q q 0 0 0 rg BT 225.18 220.10 Td (among ) Tj ET Q q 0 0 0 rg BT 255.22 220.10 Td (other ) Tj ET Q q 0 0 0 rg BT 278.60 220.10 Td (things, ) Tj ET Q q 0 0 0 rg BT 308.38 220.10 Td (\(i\)the ) Tj ET Q q 0 0 0 rg BT 335.37 220.10 Td (length ) Tj ET Q q 0 0 0 rg BT 363.20 220.10 Td (of ) Tj ET Q q 0 0 0 rg BT 374.36 220.10 Td (time ) Tj ET Q q 0 0 0 rg BT 394.97 220.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.24 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.29 220.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 454.55 220.10 Td (to ) Tj ET Q q 0 0 0 rg BT 465.16 220.10 Td (which ) Tj ET Q q 0 0 0 rg BT 492.43 220.10 Td (the ) Tj ET Q q 0 0 0 rg BT 507.48 220.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 524.19 220.10 Td (value ) Tj ET Q q 0 0 0 rg BT 548.68 220.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 208.10 Td (been ) Tj ET Q q 0 0 0 rg BT 70.99 208.10 Td (less ) Tj ET Q q 0 0 0 rg BT 88.10 208.10 Td (than ) Tj ET Q q 0 0 0 rg BT 107.43 208.10 Td (cost, ) Tj ET Q q 0 0 0 rg BT 128.15 208.10 Td (\(ii\)the ) Tj ET Q q 0 0 0 rg BT 157.19 208.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 194.28 208.10 Td (condition ) Tj ET Q q 0 0 0 rg BT 234.17 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 250.71 208.10 Td (near) Tj ET Q q 0 0 0 rg BT 267.72 208.10 Td (-term ) Tj ET Q q 0 0 0 rg BT 291.49 208.10 Td (prospects ) Tj ET Q q 0 0 0 rg BT 331.37 208.10 Td (of ) Tj ET Q q 0 0 0 rg BT 341.81 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.14 208.10 Td (issuer) Tj ET Q q 0 0 0 rg BT 379.07 208.10 Td (, ) Tj ET Q q 0 0 0 rg BT 383.68 208.10 Td (and ) Tj ET Q q 0 0 0 rg BT 400.23 208.10 Td (\(iii\)whether ) Tj ET Q q 0 0 0 rg BT 452.04 208.10 Td (or ) Tj ET Q q 0 0 0 rg BT 462.48 208.10 Td (not ) Tj ET Q q 0 0 0 rg BT 477.37 208.10 Td (the ) Tj ET Q q 0 0 0 rg BT 491.70 208.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 532.69 208.10 Td (is ) Tj ET Q q 0 0 0 rg BT 541.47 208.10 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 75.27 196.10 Td (than ) Tj ET Q q 0 0 0 rg BT 94.99 196.10 Td (not ) Tj ET Q q 0 0 0 rg BT 110.27 196.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.55 196.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 136.93 196.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.65 196.10 Td (security ) Tj ET Q q 0 0 0 rg BT 185.81 196.10 Td (before ) Tj ET Q q 0 0 0 rg BT 213.84 196.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 251.32 196.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.15 196.10 Td (its ) Tj ET Q q 0 0 0 rg BT 274.10 196.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 292.71 196.10 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 184.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 172.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.75 172.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.72 172.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 133.44 172.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.44 172.10 Td (, ) Tj ET Q q 0 0 0 rg BT 158.57 172.10 Td (management ) Tj ET Q q 0 0 0 rg BT 212.30 172.10 Td (does ) Tj ET Q q 0 0 0 rg BT 233.27 172.10 Td (not ) Tj ET Q q 0 0 0 rg BT 248.68 172.10 Td (have ) Tj ET Q q 0 0 0 rg BT 270.20 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 285.05 172.10 Td (intent ) Tj ET Q q 0 0 0 rg BT 310.46 172.10 Td (to ) Tj ET Q q 0 0 0 rg BT 320.87 172.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 337.40 172.10 Td (any ) Tj ET Q q 0 0 0 rg BT 354.47 172.10 Td (of ) Tj ET Q q 0 0 0 rg BT 365.44 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 380.29 172.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 420.69 172.10 Td (in ) Tj ET Q q 0 0 0 rg BT 431.11 172.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.96 172.10 Td (table ) Tj ET Q q 0 0 0 rg BT 468.03 172.10 Td (above ) Tj ET Q q 0 0 0 rg BT 494.55 172.10 Td (and ) Tj ET Q q 0 0 0 rg BT 511.62 172.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 547.02 172.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 160.10 Td (it ) Tj ET Q q 0 0 0 rg BT 58.31 160.10 Td (is ) Tj ET Q q 0 0 0 rg BT 67.73 160.10 Td (more ) Tj ET Q q 0 0 0 rg BT 91.02 160.10 Td (likely ) Tj ET Q q 0 0 0 rg BT 116.55 160.10 Td (than ) Tj ET Q q 0 0 0 rg BT 136.52 160.10 Td (not ) Tj ET Q q 0 0 0 rg BT 152.04 160.10 Td (that ) Tj ET Q q 0 0 0 rg BT 169.79 160.10 Td (the ) Tj ET Q q 0 0 0 rg BT 184.76 160.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.40 160.10 Td (will ) Tj ET Q q 0 0 0 rg BT 244.70 160.10 Td (not ) Tj ET Q q 0 0 0 rg BT 260.23 160.10 Td (have ) Tj ET Q q 0 0 0 rg BT 281.86 160.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.39 160.10 Td (sell ) Tj ET Q q 0 0 0 rg BT 309.02 160.10 Td (any ) Tj ET Q q 0 0 0 rg BT 326.21 160.10 Td (such ) Tj ET Q q 0 0 0 rg BT 347.29 160.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 387.81 160.10 Td (before ) Tj ET Q q 0 0 0 rg BT 416.10 160.10 Td (a ) Tj ET Q q 0 0 0 rg BT 423.28 160.10 Td (recovery ) Tj ET Q q 0 0 0 rg BT 461.01 160.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.09 160.10 Td (cost. ) Tj ET Q q 0 0 0 rg BT 493.45 160.10 Td ( ) Tj ET Q q 0 0 0 rg BT 496.00 160.10 Td (The ) Tj ET Q q 0 0 0 rg BT 514.30 160.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 530.93 160.10 Td (value ) Tj ET Q q 0 0 0 rg BT 555.33 160.10 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 148.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 88.16 148.10 Td (to ) Tj ET Q q 0 0 0 rg BT 98.56 148.10 Td (recover ) Tj ET Q q 0 0 0 rg BT 131.16 148.10 Td (as ) Tj ET Q q 0 0 0 rg BT 142.11 148.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.95 148.10 Td (bonds ) Tj ET Q q 0 0 0 rg BT 183.47 148.10 Td (approach ) Tj ET Q q 0 0 0 rg BT 222.73 148.10 Td (their ) Tj ET Q q 0 0 0 rg BT 243.68 148.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 280.19 148.10 Td (date ) Tj ET Q q 0 0 0 rg BT 299.47 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 310.42 148.10 Td (repricing ) Tj ET Q q 0 0 0 rg BT 349.14 148.10 Td (date ) Tj ET Q q 0 0 0 rg BT 368.42 148.10 Td (or ) Tj ET Q q 0 0 0 rg BT 379.37 148.10 Td (if ) Tj ET Q q 0 0 0 rg BT 388.10 148.10 Td (market ) Tj ET Q q 0 0 0 rg BT 418.49 148.10 Td (yields ) Tj ET Q q 0 0 0 rg BT 445.00 148.10 Td (for ) Tj ET Q q 0 0 0 rg BT 459.28 148.10 Td (such ) Tj ET Q q 0 0 0 rg BT 480.24 148.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 530.63 148.10 Td (decline. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 136.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 99.34 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 104.34 136.10 Td (as ) Tj ET Q q 0 0 0 rg BT 115.17 136.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.00 136.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 184.58 136.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 204.58 136.10 Td (, ) Tj ET Q q 0 0 0 rg BT 209.58 136.10 Td (management ) Tj ET Q q 0 0 0 rg BT 263.17 136.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 298.43 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.15 136.10 Td (impairments ) Tj ET Q q 0 0 0 rg BT 365.64 136.10 Td (detailed ) Tj ET Q q 0 0 0 rg BT 399.79 136.10 Td (in ) Tj ET Q q 0 0 0 rg BT 410.07 136.10 Td (the ) Tj ET Q q 0 0 0 rg BT 424.79 136.10 Td (table ) Tj ET Q q 0 0 0 rg BT 446.72 136.10 Td (above ) Tj ET Q q 0 0 0 rg BT 473.10 136.10 Td (are ) Tj ET Q q 0 0 0 rg BT 487.80 136.10 Td (temporary) Tj ET Q q 0 0 0 rg BT 528.25 136.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 86.17 107.10 Td (in ) Tj ET Q q 0 0 0 rg BT 95.69 107.10 Td (market ) Tj ET Q q 0 0 0 rg BT 125.19 107.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 156.35 107.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 176.97 107.10 Td (can ) Tj ET Q q 0 0 0 rg BT 192.58 107.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 244.30 107.10 Td (influence ) Tj ET Q q 0 0 0 rg BT 283.24 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 297.19 107.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 312.80 107.10 Td (value ) Tj ET Q q 0 0 0 rg BT 336.19 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 346.26 107.10 Td (securities, ) Tj ET Q q 0 0 0 rg BT 388.26 107.10 Td (and ) Tj ET Q q 0 0 0 rg BT 404.43 107.10 Td (the ) Tj ET Q q 0 0 0 rg BT 418.38 107.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 433.99 107.10 Td (value ) Tj ET Q q 0 0 0 rg BT 457.38 107.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.45 107.10 Td (our ) Tj ET Q q 0 0 0 rg BT 482.51 107.10 Td (municipal ) Tj ET Q q 0 0 0 rg BT 524.24 107.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.10 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 87.50 95.10 Td (would ) Tj ET Q q 0 0 0 rg BT 115.00 95.10 Td (decline ) Tj ET Q q 0 0 0 rg BT 146.37 95.10 Td (substantially ) Tj ET Q q 0 0 0 rg BT 199.42 95.10 Td (if ) Tj ET Q q 0 0 0 rg BT 208.03 95.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 239.96 95.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 261.34 95.10 Td (increase ) Tj ET Q q 0 0 0 rg BT 296.59 95.10 Td (materially) Tj ET Q q 0 0 0 rg BT 336.48 95.10 Td (.) Tj ET Q endstream endobj 195 0 obj <> endobj 196 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (97) Tj ET Q 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 66.94 742.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 93.33 742.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 139.69 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 152.19 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 198.57 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 238.84 742.10 Td (available ) Tj ET Q q 0 0 0 rg BT 277.43 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 291.59 742.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 309.63 742.10 Td (were ) Tj ET Q q 0 0 0 rg BT 331.56 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 342.39 742.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 374.89 742.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 388.50 742.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 695.60 287.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 695.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 695.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 695.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 695.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 667.60 287.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 337.50 667.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 667.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 667.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 667.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 667.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 667.60 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 341.5 707.6 m 412.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 707.6 m 416.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 707.6 m 487.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 707.6 m 491.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 707.6 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 341.5 707.6 m 412.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 695.6 m 412.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 707.6 m 487.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 695.6 m 487.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 707.6 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 491.5 695.6 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 341.5 695.6 m 412.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 695.6 m 487.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 695.6 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 341.5 653.6 m 412.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 653.6 m 487.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 653.6 m 562.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 653.6 m 412.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 640.6 m 412.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 638.6 m 412.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 653.6 m 487.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 640.6 m 487.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 638.6 m 487.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 653.6 m 562.5 653.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 640.6 m 562.5 640.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 638.6 m 562.5 638.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 710.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 384.80 711.00 Td (FortheYearsEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 698.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.50 699.00 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 442.50 699.00 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 517.50 699.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 686.17 Td (Realized gains) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 686.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.65 686.17 Td (614) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 686.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 686.17 Td (1,470) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 686.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 686.17 Td (2,045) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 672.17 Td (Realized losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.30 672.22 Td (\(167) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 672.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 672.22 Td (\(1,646) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 672.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 672.22 Td (\(4,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 672.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 658.17 Td (Impairment charges) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.65 658.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 658.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 658.22 Td (\(92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 658.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 59.00 644.33 Td (Net losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.00 644.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.65 644.17 Td (447) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 644.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 465.30 644.22 Td (\(176) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 644.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 644.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 644.22 Td (\(2,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 644.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 628.10 Td () 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 68.59 616.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 111.61 616.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 130.77 616.10 Td (and ) Tj ET Q q 0 0 0 rg BT 148.25 616.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 165.17 616.10 Td (value ) Tj ET Q q 0 0 0 rg BT 189.87 616.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.24 616.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 248.17 616.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 288.97 616.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.35 616.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.72 616.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 370.85 616.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.85 616.10 Td ( ) Tj ET Q q 0 0 0 rg BT 393.89 616.10 Td (by ) Tj ET Q q 0 0 0 rg BT 406.93 616.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 454.40 616.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 491.32 616.10 Td (are ) Tj ET Q q 0 0 0 rg BT 506.57 616.10 Td (shown ) Tj ET Q q 0 0 0 rg BT 535.73 616.10 Td (below) Tj ET Q q 0 0 0 rg BT 559.52 616.10 Td (. ) Tj ET Q q 0 0 0 rg BT 564.52 616.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 604.10 Td (Maturities ) Tj ET Q q 0 0 0 rg BT 93.54 604.10 Td (may ) Tj ET Q q 0 0 0 rg BT 113.18 604.10 Td (dif) Tj ET Q q 0 0 0 rg BT 124.11 604.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 137.64 604.10 Td (from ) Tj ET Q q 0 0 0 rg BT 159.51 604.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 206.36 604.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 248.78 604.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.99 604.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 330.83 604.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 371.03 604.10 Td (because ) Tj ET Q q 0 0 0 rg BT 405.11 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.76 604.10 Td (mortgages ) Tj ET Q q 0 0 0 rg BT 463.84 604.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 509.60 604.10 Td (the ) Tj ET Q q 0 0 0 rg BT 524.25 604.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 592.10 Td (may ) Tj ET Q q 0 0 0 rg BT 69.57 592.10 Td (be ) Tj ET Q q 0 0 0 rg BT 81.37 592.10 Td (called ) Tj ET Q q 0 0 0 rg BT 107.59 592.10 Td (or ) Tj ET Q q 0 0 0 rg BT 118.28 592.10 Td (repaid ) Tj ET Q q 0 0 0 rg BT 145.62 592.10 Td (without ) Tj ET Q q 0 0 0 rg BT 178.53 592.10 Td (any ) Tj ET Q q 0 0 0 rg BT 195.32 592.10 Td (penalties. ) Tj ET Q q 0 0 0 rg BT 235.72 592.10 Td ( ) Tj ET Q q 0 0 0 rg BT 237.90 592.10 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 282.17 592.10 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 353.94 592.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 394.06 592.10 Td (are ) Tj ET Q q 0 0 0 rg BT 408.62 592.10 Td (not ) Tj ET Q q 0 0 0 rg BT 423.75 592.10 Td (included ) Tj ET Q q 0 0 0 rg BT 460.54 592.10 Td (in ) Tj ET Q q 0 0 0 rg BT 470.67 592.10 Td (the ) Tj ET Q q 0 0 0 rg BT 485.25 592.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 521.48 592.10 Td (categories ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 580.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 580.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 580.10 Td (following ) Tj ET Q q 0 0 0 rg BT 116.38 580.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 152.76 580.10 Td (summary) Tj ET Q q 0 0 0 rg BT 189.33 580.10 Td (.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 533.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 533.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 533.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 533.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 533.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 505.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 505.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 505.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 505.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 505.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 477.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 477.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 477.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 477.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 477.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 449.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 449.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 449.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 449.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 449.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 421.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 421.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 421.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 421.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 421.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 393.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 393.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 393.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 393.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 393.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 365.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 365.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 365.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 365.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 365.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 337.60 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 337.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 337.60 83.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 337.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 337.60 83.00 -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 392.5 533.6 m 475.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 533.6 m 562.5 533.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 435.6 m 475.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 435.6 m 562.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 435.6 m 562.5 435.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 337.6 m 475.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 337.6 m 562.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 337.6 m 562.5 337.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 323.6 m 562.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 323.6 m 475.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 310.6 m 475.5 310.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 308.6 m 475.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 323.6 m 562.5 323.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 310.6 m 562.5 310.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 479.5 308.6 m 562.5 308.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 548.32 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 413.00 549.00 Td (Amortized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 512.30 549.00 Td (Fair) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 537.68 Td (\(Inthousands\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 424.75 537.00 Td (Cost) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.65 537.00 Td (Value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 524.17 Td (Available for sale:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 472.00 522.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 522.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 510.17 Td (Due in one year or less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 510.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 510.17 Td (67,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.00 510.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 510.17 Td (67,424) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 496.17 Td (Due after one year through five years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 496.17 Td (231,930) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 496.17 Td (235,275) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 482.17 Td (Due after five years through ten years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 482.17 Td (44,364) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 482.17 Td (44,873) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 468.17 Td (Due after ten years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 468.17 Td (249,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 468.17 Td (261,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 454.17 Td (Equity securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 454.17 Td (11,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 454.17 Td (10,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 440.17 Td (Residential and commercial mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 440.17 Td (1,080,693) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 440.17 Td (1,076,692) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 426.17 Td ( Total Available for Sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 426.17 Td (1,684,665) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 426.17 Td (1,696,195) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 412.17 Td (Held to maturity:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 472.00 410.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 410.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 398.17 Td (Due in one year or less) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.15 398.17 Td (69,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 398.17 Td (69,332) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 384.17 Td (Due after one year through five years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 384.17 Td (136,426) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 384.17 Td (139,892) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 370.17 Td (Due after five years through ten years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 370.17 Td (166,101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 370.17 Td (171,937) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 356.17 Td (Due after ten years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 356.17 Td (538,792) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 356.17 Td (548,017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 342.17 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.15 342.17 Td (159,142) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 342.17 Td (164,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 328.17 Td ( Total Held to Maturity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 328.17 Td (1,069,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 328.17 Td (1,093,740) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 314.17 Td ( Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 314.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.65 314.17 Td (2,754,415) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.00 314.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 314.17 Td (2,789,935) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 96.93 286.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 137.20 286.10 Td (with ) Tj ET Q q 0 0 0 rg BT 157.48 286.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 193.29 286.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 229.68 286.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.51 286.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 260.51 286.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 286.62 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 289.12 286.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.06 286.10 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 326.06 286.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.17 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 354.67 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 357.17 286.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.89 286.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 425.47 286.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.47 286.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.97 286.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.91 286.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.91 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 489.91 286.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 537.57 286.10 Td (, ) Tj ET Q q 0 0 0 rg BT 542.57 286.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 84.63 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 95.93 274.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 136.10 274.10 Td (on ) Tj ET Q q 0 0 0 rg BT 149.07 274.10 Td (public ) Tj ET Q q 0 0 0 rg BT 177.04 274.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 212.79 274.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.20 274.10 Td (for ) Tj ET Q q 0 0 0 rg BT 244.84 274.10 Td (other ) Tj ET Q q 0 0 0 rg BT 268.36 274.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 306.88 274.10 Td (as ) Tj ET Q q 0 0 0 rg BT 318.18 274.10 Td (required ) Tj ET Q q 0 0 0 rg BT 354.47 274.10 Td (or ) Tj ET Q q 0 0 0 rg BT 365.77 274.10 Td (permitted ) Tj ET Q q 0 0 0 rg BT 407.07 274.10 Td (by ) Tj ET Q q 0 0 0 rg BT 420.04 274.10 Td (law) Tj ET Q q 0 0 0 rg BT 433.83 274.10 Td (, ) Tj ET Q q 0 0 0 rg BT 439.30 274.10 Td (while ) Tj ET Q q 0 0 0 rg BT 464.49 274.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.24 274.10 Td ($756.5 ) Tj ET Q q 0 0 0 rg BT 515.71 274.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.61 274.10 Td ( ) Tj ET Q q 0 0 0 rg BT 547.58 274.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.10 Td ($878.2 ) Tj ET Q q 0 0 0 rg BT 80.11 262.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.00 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.62 262.10 Td (were ) Tj ET Q q 0 0 0 rg BT 133.66 262.10 Td (required ) Tj ET Q q 0 0 0 rg BT 169.58 262.10 Td (to ) Tj ET Q q 0 0 0 rg BT 179.98 262.10 Td (be ) Tj ET Q q 0 0 0 rg BT 192.03 262.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 226.29 262.10 Td (at ) Tj ET Q q 0 0 0 rg BT 236.12 262.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.74 262.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 297.43 262.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.43 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.04 262.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.09 262.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.09 262.10 Td (, ) Tj ET Q q 0 0 0 rg BT 362.21 262.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 409.87 262.10 Td (. ) Tj ET Q q 0 0 0 rg BT 414.98 262.10 Td ( ) Tj ET Q q 0 0 0 rg BT 417.59 262.10 Td (Of ) Tj ET Q q 0 0 0 rg BT 430.76 262.10 Td (those ) Tj ET Q q 0 0 0 rg BT 454.48 262.10 Td (pledged, ) Tj ET Q q 0 0 0 rg BT 491.25 262.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.07 262.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 547.57 262.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 96.61 250.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 137.10 250.10 Td (available ) Tj ET Q q 0 0 0 rg BT 175.92 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 190.31 250.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 208.58 250.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 242.97 250.10 Td (as ) Tj ET Q q 0 0 0 rg BT 254.03 250.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 293.95 250.10 Td (for ) Tj ET Q q 0 0 0 rg BT 308.34 250.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 347.71 250.10 Td (from ) Tj ET Q q 0 0 0 rg BT 369.88 250.10 Td (the ) Tj ET Q q 0 0 0 rg BT 384.83 250.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 417.54 250.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 444.71 250.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 467.98 250.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 491.82 250.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.88 250.10 Td ($108.8 ) Tj ET Q q 0 0 0 rg BT 533.11 250.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 250.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.72 238.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 118.30 238.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.30 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.80 238.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.74 238.10 Td (none) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.18 238.10 Td ( ) Tj ET Q q 0 0 0 rg BT 179.68 238.10 Td (were ) Tj ET Q q 0 0 0 rg BT 201.61 238.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 235.76 238.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 245.48 238.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 304.06 238.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.06 238.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td () Tj ET Q endstream endobj 197 0 obj <> endobj 198 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (98) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 5. ) Tj ET Q BT /F2 3.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.25 742.25 Td ( ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 129.75 742.25 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.94 718.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 107.22 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.05 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 132.76 718.25 Td (following ) Tj ET Q q 0 0 0 rg BT 174.15 718.25 Td (at ) Tj ET Q q 0 0 0 rg BT 183.87 718.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 197.48 718.25 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 671.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 671.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 671.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 671.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 643.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 643.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 643.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 643.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 615.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 615.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 615.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 615.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 615.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 587.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 587.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 587.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 587.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 587.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 559.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 559.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 559.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 559.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 559.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 531.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 531.75 4.00 -14.00 re f 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531.75 m 487.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 518.75 m 487.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 516.75 m 487.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 531.75 m 562.5 531.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 518.75 m 562.5 518.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 516.75 m 562.5 516.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.90 686.48 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.50 674.48 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.50 674.48 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 662.32 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 662.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 662.32 Td (4,346,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 662.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 662.32 Td (3,616,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 648.32 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 648.32 Td (2,002,976) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 648.32 Td (1,779,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 634.32 Td (Commercial real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 634.32 Td (3,788,016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 634.32 Td (2,695,676) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 620.32 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.65 620.32 Td (1,060,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 620.32 Td (628,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 606.32 Td (Construction real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 606.32 Td (518,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 606.32 Td (252,060) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 592.32 Td (Indirect vehicle) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 592.32 Td (541,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 592.32 Td (384,095) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 578.32 Td (Home equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 578.32 Td (266,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 578.32 Td (216,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 564.32 Td (Other consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 564.32 Td (80,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 564.32 Td (80,661) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 550.32 Td (Gross loans, excluding purchased credit-impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 550.32 Td (12,605,726) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 550.32 Td (9,652,592) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 536.32 Td (Purchased credit-impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 536.32 Td (163,077) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 536.32 Td (141,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.00 522.32 Td (Total loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 522.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.65 522.32 Td (12,768,803) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 522.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 522.32 Td (9,793,998) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 506.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.04 494.25 Td (are ) Tj ET Q q 0 0 0 rg BT 89.85 494.25 Td (made ) Tj ET Q q 0 0 0 rg BT 113.11 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 122.49 494.25 Td (individuals ) Tj ET Q q 0 0 0 rg BT 168.53 494.25 Td (as ) Tj ET Q q 0 0 0 rg BT 178.46 494.25 Td (well ) Tj ET Q q 0 0 0 rg BT 197.28 494.25 Td (as ) Tj ET Q q 0 0 0 rg BT 207.21 494.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 256.01 494.25 Td (and ) Tj ET Q q 0 0 0 rg BT 272.05 494.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 285.87 494.25 Td (exempt ) Tj ET Q q 0 0 0 rg BT 316.90 494.25 Td (entities. ) Tj ET Q q 0 0 0 rg BT 349.89 494.25 Td ( ) Tj ET Q q 0 0 0 rg BT 351.49 494.25 Td (Specific ) Tj ET Q q 0 0 0 rg BT 385.85 494.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 404.67 494.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 428.49 494.25 Td (vary ) Tj ET Q q 0 0 0 rg BT 447.86 494.25 Td (as ) Tj ET Q q 0 0 0 rg BT 457.79 494.25 Td (to ) Tj ET Q q 0 0 0 rg BT 467.17 494.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 498.21 494.25 Td (rate, ) Tj ET Q q 0 0 0 rg BT 517.29 494.25 Td (repayment, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.67 482.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 106.11 482.25 Td (requirements ) Tj ET Q q 0 0 0 rg BT 160.54 482.25 Td (based ) Tj ET Q q 0 0 0 rg BT 185.55 482.25 Td (on ) Tj ET Q q 0 0 0 rg BT 197.78 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.24 482.25 Td (type ) Tj ET Q q 0 0 0 rg BT 231.69 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 242.25 482.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 261.71 482.25 Td (requested ) Tj ET Q q 0 0 0 rg BT 302.26 482.25 Td (and ) Tj ET Q q 0 0 0 rg BT 318.93 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.38 482.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.38 482.25 Td (worthiness ) Tj ET Q q 0 0 0 rg BT 403.95 482.25 Td (of ) Tj ET Q q 0 0 0 rg BT 414.51 482.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.96 482.25 Td (prospective ) Tj ET Q q 0 0 0 rg BT 477.29 482.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 513.39 482.25 Td (. ) Tj ET Q q 0 0 0 rg BT 518.13 482.25 Td ( ) Tj ET Q q 0 0 0 rg BT 520.36 482.25 Td (Except ) Tj ET Q q 0 0 0 rg BT 550.36 482.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.60 470.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 125.12 470.25 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 182.37 470.25 Td (by ) Tj ET Q q 0 0 0 rg BT 195.78 470.25 Td (assignment ) Tj ET Q q 0 0 0 rg BT 244.18 470.25 Td (of ) Tj ET Q q 0 0 0 rg BT 255.91 470.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 279.30 470.25 Td (payments, ) Tj ET Q q 0 0 0 rg BT 323.53 470.25 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 372.47 470.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 399.49 470.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 444.54 470.25 Td (real ) Tj ET Q q 0 0 0 rg BT 462.93 470.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 489.10 470.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 513.61 470.25 Td (and ) Tj ET Q q 0 0 0 rg BT 531.46 470.25 Td (indirect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.25 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 80.82 458.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 106.37 458.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 131.07 458.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 148.02 458.25 Td (tends ) Tj ET Q q 0 0 0 rg BT 171.07 458.25 Td (to ) Tj ET Q q 0 0 0 rg BT 180.79 458.25 Td (be ) Tj ET Q q 0 0 0 rg BT 192.17 458.25 Td (geographically ) Tj ET Q q 0 0 0 rg BT 253.54 458.25 Td (concentrated ) Tj ET Q q 0 0 0 rg BT 306.56 458.25 Td (in ) Tj ET Q q 0 0 0 rg BT 316.28 458.25 Td (that ) Tj ET Q q 0 0 0 rg BT 333.22 458.25 Td (a ) Tj ET Q q 0 0 0 rg BT 339.60 458.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 375.42 458.25 Td (of ) Tj ET Q q 0 0 0 rg BT 385.70 458.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.86 458.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 419.02 458.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 461.51 458.25 Td (are ) Tj ET Q q 0 0 0 rg BT 475.66 458.25 Td (located ) Tj ET Q q 0 0 0 rg BT 506.47 458.25 Td (in ) Tj ET Q q 0 0 0 rg BT 516.20 458.25 Td (the ) Tj ET Q q 0 0 0 rg BT 530.36 458.25 Td (markets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.25 Td (serviced ) Tj ET Q q 0 0 0 rg BT 85.82 446.25 Td (by ) Tj ET Q q 0 0 0 rg BT 98.32 446.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 116.38 446.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 156.09 446.25 Td (Bank.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.91 422.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 116.86 422.25 Td (extension ) Tj ET Q q 0 0 0 rg BT 158.55 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 170.25 422.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 196.38 422.25 Td (is ) Tj ET Q q 0 0 0 rg BT 206.42 422.25 Td (governed ) Tj ET Q q 0 0 0 rg BT 246.99 422.25 Td (by ) Tj ET Q q 0 0 0 rg BT 260.36 422.25 Td (its ) Tj ET Q q 0 0 0 rg BT 273.17 422.25 Td (Credit ) Tj ET Q q 0 0 0 rg BT 301.53 422.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 323.24 422.25 Td (Policy) Tj ET Q q 0 0 0 rg BT 348.15 422.25 Td (, ) Tj ET Q q 0 0 0 rg BT 354.01 422.25 Td (which ) Tj ET Q q 0 0 0 rg BT 381.82 422.25 Td (was ) Tj ET Q q 0 0 0 rg BT 400.74 422.25 Td (established ) Tj ET Q q 0 0 0 rg BT 448.54 422.25 Td (to ) Tj ET Q q 0 0 0 rg BT 459.68 422.25 Td (control ) Tj ET Q q 0 0 0 rg BT 491.37 422.25 Td (the ) Tj ET Q q 0 0 0 rg BT 506.96 422.25 Td (quality ) Tj ET Q q 0 0 0 rg BT 538.10 422.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 422.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.95 410.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 122.93 410.25 Td ( ) Tj ET Q q 0 0 0 rg BT 125.13 410.25 Td (This ) Tj ET Q q 0 0 0 rg BT 145.28 410.25 Td (policy ) Tj ET Q q 0 0 0 rg BT 172.65 410.25 Td (is ) Tj ET Q q 0 0 0 rg BT 181.69 410.25 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 220.71 410.25 Td (and ) Tj ET Q q 0 0 0 rg BT 237.52 410.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 277.10 410.25 Td (by ) Tj ET Q q 0 0 0 rg BT 289.47 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 304.06 410.25 Td (Enterprise ) Tj ET Q q 0 0 0 rg BT 347.53 410.25 Td (Risk ) Tj ET Q q 0 0 0 rg BT 368.24 410.25 Td (Committee ) Tj ET Q q 0 0 0 rg BT 415.05 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.75 410.25 Td (the ) Tj ET Q q 0 0 0 rg BT 440.34 410.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 487.29 410.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 514.10 410.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.80 410.25 Td (Directors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 398.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 398.25 Td (an ) Tj ET Q q 0 0 0 rg BT 74.44 398.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 103.59 398.25 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 374.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 102.34 374.25 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 132.20 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 135.11 374.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 187.46 374.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 213.13 374.25 Td (is ) Tj ET Q q 0 0 0 rg BT 222.72 374.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 261.73 374.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 301.86 374.25 Td (to ) Tj ET Q q 0 0 0 rg BT 312.55 374.25 Td (emer) Tj ET Q q 0 0 0 rg BT 332.35 374.25 Td (ging ) Tj ET Q q 0 0 0 rg BT 353.05 374.25 Td (middle ) Tj ET Q q 0 0 0 rg BT 383.74 374.25 Td (market ) Tj ET Q q 0 0 0 rg BT 414.41 374.25 Td (and ) Tj ET Q q 0 0 0 rg BT 431.77 374.25 Td (middle ) Tj ET Q q 0 0 0 rg BT 462.46 374.25 Td (market ) Tj ET Q q 0 0 0 rg BT 493.13 374.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 539.10 374.25 Td ( ) Tj ET Q q 0 0 0 rg BT 542.01 374.25 Td (Such ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 79.98 362.25 Td (are ) Tj ET Q q 0 0 0 rg BT 95.52 362.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 133.84 362.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 178.82 362.25 Td (of ) Tj ET Q q 0 0 0 rg BT 190.48 362.25 Td (working ) Tj ET Q q 0 0 0 rg BT 227.14 362.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 257.12 362.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 284.06 362.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 308.50 362.25 Td (for ) Tj ET Q q 0 0 0 rg BT 323.49 362.25 Td (physical ) Tj ET Q q 0 0 0 rg BT 360.14 362.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 382.91 362.25 Td (expansion, ) Tj ET Q q 0 0 0 rg BT 429.28 362.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 452.05 362.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 499.26 362.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 523.70 362.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.47 362.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.25 Td (business ) Tj ET Q q 0 0 0 rg BT 85.98 350.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 111.68 350.25 Td ( ) Tj ET Q q 0 0 0 rg BT 113.78 350.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 140.31 350.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.18 350.25 Td (closely ) Tj ET Q q 0 0 0 rg BT 180.60 350.25 Td (held ) Tj ET Q q 0 0 0 rg BT 199.90 350.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 244.22 350.25 Td (will ) Tj ET Q q 0 0 0 rg BT 261.87 350.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 301.16 350.25 Td (be ) Tj ET Q q 0 0 0 rg BT 312.69 350.25 Td (guaranteed ) Tj ET Q q 0 0 0 rg BT 358.65 350.25 Td (in ) Tj ET Q q 0 0 0 rg BT 368.52 350.25 Td (full ) Tj ET Q q 0 0 0 rg BT 384.50 350.25 Td (or ) Tj ET Q q 0 0 0 rg BT 394.92 350.25 Td (for ) Tj ET Q q 0 0 0 rg BT 408.67 350.25 Td (a ) Tj ET Q q 0 0 0 rg BT 415.20 350.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 459.51 350.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 491.59 350.25 Td (by ) Tj ET Q q 0 0 0 rg BT 503.69 350.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.00 350.25 Td (businesses' ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.80 338.25 Td (owners. ) Tj ET Q q 0 0 0 rg BT 123.44 338.25 Td ( ) Tj ET Q q 0 0 0 rg BT 126.70 338.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 179.39 338.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 203.75 338.25 Td (are ) Tj ET Q q 0 0 0 rg BT 219.22 338.25 Td (made ) Tj ET Q q 0 0 0 rg BT 244.13 338.25 Td (based ) Tj ET Q q 0 0 0 rg BT 270.16 338.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 310.63 338.25 Td (on ) Tj ET Q q 0 0 0 rg BT 323.89 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 339.36 338.25 Td (historical ) Tj ET Q q 0 0 0 rg BT 379.83 338.25 Td (and ) Tj ET Q q 0 0 0 rg BT 397.53 338.25 Td (projected ) Tj ET Q q 0 0 0 rg BT 437.99 338.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 459.02 338.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 480.60 338.25 Td (of ) Tj ET Q q 0 0 0 rg BT 492.19 338.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.67 338.25 Td (borrower ) Tj ET Q q 0 0 0 rg BT 547.58 338.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 326.25 Td (secondarily ) Tj ET Q q 0 0 0 rg BT 99.09 326.25 Td (on ) Tj ET Q q 0 0 0 rg BT 112.09 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.30 326.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 173.62 326.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 213.82 326.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 252.36 326.25 Td (by ) Tj ET Q q 0 0 0 rg BT 265.36 326.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.57 326.25 Td (borrower) Tj ET Q q 0 0 0 rg BT 316.67 326.25 Td (. ) Tj ET Q q 0 0 0 rg BT 322.17 326.25 Td ( ) Tj ET Q q 0 0 0 rg BT 324.95 326.25 Td (The ) Tj ET Q q 0 0 0 rg BT 343.49 326.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 364.26 326.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 389.48 326.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.80 326.25 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 446.84 326.25 Td (however) Tj ET Q q 0 0 0 rg BT 480.87 326.25 Td (, ) Tj ET Q q 0 0 0 rg BT 486.37 326.25 Td (may ) Tj ET Q q 0 0 0 rg BT 506.58 326.25 Td (not ) Tj ET Q q 0 0 0 rg BT 522.36 326.25 Td (behave ) Tj ET Q q 0 0 0 rg BT 553.67 326.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 314.25 Td (forecasted ) Tj ET Q q 0 0 0 rg BT 94.17 314.25 Td (and ) Tj ET Q q 0 0 0 rg BT 111.69 314.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 151.98 314.25 Td (securing ) Tj ET Q q 0 0 0 rg BT 188.94 314.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 213.13 314.25 Td (may ) Tj ET Q q 0 0 0 rg BT 233.44 314.25 Td (fluctuate ) Tj ET Q q 0 0 0 rg BT 271.50 314.25 Td (in ) Tj ET Q q 0 0 0 rg BT 282.37 314.25 Td (value ) Tj ET Q q 0 0 0 rg BT 307.11 314.25 Td (due ) Tj ET Q q 0 0 0 rg BT 324.63 314.25 Td (to ) Tj ET Q q 0 0 0 rg BT 335.50 314.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 377.46 314.25 Td (or ) Tj ET Q q 0 0 0 rg BT 388.87 314.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 432.51 314.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 486.12 314.25 Td (factors. ) Tj ET Q q 0 0 0 rg BT 518.91 314.25 Td ( ) Tj ET Q q 0 0 0 rg BT 522.00 314.25 Td (Minimum ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 302.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 90.45 302.25 Td (and ) Tj ET Q q 0 0 0 rg BT 107.56 302.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 161.89 302.25 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 205.67 302.25 Td (have ) Tj ET Q q 0 0 0 rg BT 227.23 302.25 Td (been ) Tj ET Q q 0 0 0 rg BT 248.78 302.25 Td (established ) Tj ET Q q 0 0 0 rg BT 295.89 302.25 Td (for ) Tj ET Q q 0 0 0 rg BT 310.23 302.25 Td (all ) Tj ET Q q 0 0 0 rg BT 322.90 302.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 372.78 302.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 392.67 302.25 Td (types. ) Tj ET Q q 0 0 0 rg BT 418.96 302.25 Td ( ) Tj ET Q q 0 0 0 rg BT 421.04 302.25 Td (Asset-based ) Tj ET Q q 0 0 0 rg BT 472.04 302.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 498.33 302.25 Td (also ) Tj ET Q q 0 0 0 rg BT 517.11 302.25 Td (included ) Tj ET Q q 0 0 0 rg BT 554.22 302.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 290.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 100.45 290.25 Td (loans, ) Tj ET Q q 0 0 0 rg BT 127.31 290.25 Td (are ) Tj ET Q q 0 0 0 rg BT 142.77 290.25 Td (made ) Tj ET Q q 0 0 0 rg BT 167.68 290.25 Td (to ) Tj ET Q q 0 0 0 rg BT 178.71 290.25 Td (businesses ) Tj ET Q q 0 0 0 rg BT 224.19 290.25 Td (with ) Tj ET Q q 0 0 0 rg BT 245.22 290.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.69 290.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 295.60 290.25 Td (source ) Tj ET Q q 0 0 0 rg BT 324.95 290.25 Td (of ) Tj ET Q q 0 0 0 rg BT 336.53 290.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 381.99 290.25 Td (derived ) Tj ET Q q 0 0 0 rg BT 415.23 290.25 Td (from ) Tj ET Q q 0 0 0 rg BT 437.92 290.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 479.50 290.25 Td (on ) Tj ET Q q 0 0 0 rg BT 492.75 290.25 Td (the ) Tj ET Q q 0 0 0 rg BT 508.22 290.25 Td (related ) Tj ET Q q 0 0 0 rg BT 538.68 290.25 Td (assets ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 278.25 Td (securing ) Tj ET Q q 0 0 0 rg BT 85.68 278.25 Td (the ) Tj ET Q q 0 0 0 rg BT 99.70 278.25 Td (loan. ) Tj ET Q q 0 0 0 rg BT 121.22 278.25 Td ( ) Tj ET Q q 0 0 0 rg BT 123.02 278.25 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 164.26 278.25 Td (for ) Tj ET Q q 0 0 0 rg BT 177.72 278.25 Td (these ) Tj ET Q q 0 0 0 rg BT 200.07 278.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 222.98 278.25 Td (may ) Tj ET Q q 0 0 0 rg BT 242.00 278.25 Td (include ) Tj ET Q q 0 0 0 rg BT 273.24 278.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 310.03 278.25 Td (receivable, ) Tj ET Q q 0 0 0 rg BT 355.41 278.25 Td (inventory ) Tj ET Q q 0 0 0 rg BT 395.54 278.25 Td (and ) Tj ET Q q 0 0 0 rg BT 411.78 278.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 458.29 278.25 Td (and ) Tj ET Q q 0 0 0 rg BT 474.54 278.25 Td (is ) Tj ET Q q 0 0 0 rg BT 483.01 278.25 Td (monitored ) Tj ET Q q 0 0 0 rg BT 525.92 278.25 Td (regularly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 266.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.34 266.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 87.01 266.25 Td (ongoing ) Tj ET Q q 0 0 0 rg BT 121.35 266.25 Td (suf) Tj ET Q q 0 0 0 rg BT 133.39 266.25 Td (ficiency ) Tj ET Q q 0 0 0 rg BT 167.16 266.25 Td (of ) Tj ET Q q 0 0 0 rg BT 177.05 266.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 215.82 266.25 Td (coverage ) Tj ET Q q 0 0 0 rg BT 253.46 266.25 Td (and ) Tj ET Q q 0 0 0 rg BT 269.47 266.25 Td (quality) Tj ET Q q 0 0 0 rg BT 296.59 266.25 Td (. ) Tj ET Q q 0 0 0 rg BT 300.66 266.25 Td ( ) Tj ET Q q 0 0 0 rg BT 302.11 266.25 Td (The ) Tj ET Q q 0 0 0 rg BT 319.22 266.25 Td (primary ) Tj ET Q q 0 0 0 rg BT 352.44 266.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 369.01 266.25 Td (for ) Tj ET Q q 0 0 0 rg BT 382.23 266.25 Td (these ) Tj ET Q q 0 0 0 rg BT 404.34 266.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.02 266.25 Td (is ) Tj ET Q q 0 0 0 rg BT 435.25 266.25 Td (a ) Tj ET Q q 0 0 0 rg BT 441.25 266.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 485.03 266.25 Td (decline ) Tj ET Q q 0 0 0 rg BT 515.47 266.25 Td (in ) Tj ET Q q 0 0 0 rg BT 524.81 266.25 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 254.25 Td (values ) Tj ET Q q 0 0 0 rg BT 78.58 254.25 Td (due ) Tj ET Q q 0 0 0 rg BT 96.05 254.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.87 254.25 Td (general ) Tj ET Q q 0 0 0 rg BT 139.33 254.25 Td (market ) Tj ET Q q 0 0 0 rg BT 170.12 254.25 Td (conditions. ) Tj ET Q q 0 0 0 rg BT 217.32 254.25 Td ( ) Tj ET Q q 0 0 0 rg BT 220.36 254.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 243.94 254.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 269.19 254.25 Td (that ) Tj ET Q q 0 0 0 rg BT 287.22 254.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 323.02 254.25 Td (these ) Tj ET Q q 0 0 0 rg BT 346.61 254.25 Td (risks ) Tj ET Q q 0 0 0 rg BT 368.53 254.25 Td (include ) Tj ET Q q 0 0 0 rg BT 401.00 254.25 Td (typical ) Tj ET Q q 0 0 0 rg BT 431.25 254.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 467.06 254.25 Td (amortization ) Tj ET Q q 0 0 0 rg BT 520.63 254.25 Td (schedules, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 242.25 Td (percentage ) Tj ET Q q 0 0 0 rg BT 95.65 242.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.34 242.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 145.89 242.25 Td (advances, ) Tj ET Q q 0 0 0 rg BT 187.39 242.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 240.27 242.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.95 242.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 271.07 242.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 310.63 242.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 347.96 242.25 Td (and ) Tj ET Q q 0 0 0 rg BT 364.76 242.25 Td (regular ) Tj ET Q q 0 0 0 rg BT 395.42 242.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 417.22 242.25 Td (monitoring. ) Tj ET Q q 0 0 0 rg BT 466.51 242.25 Td ( ) Tj ET Q q 0 0 0 rg BT 468.87 242.25 Td (Because ) Tj ET Q q 0 0 0 rg BT 504.54 242.25 Td (of ) Tj ET Q q 0 0 0 rg BT 515.22 242.25 Td (the ) Tj ET Q q 0 0 0 rg BT 529.79 242.25 Td (national ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 230.25 Td (scope ) Tj ET Q q 0 0 0 rg BT 75.27 230.25 Td (of ) Tj ET Q q 0 0 0 rg BT 86.10 230.25 Td (our ) Tj ET Q q 0 0 0 rg BT 101.93 230.25 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 149.97 230.25 Td (lending, ) Tj ET Q q 0 0 0 rg BT 184.96 230.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.68 230.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 217.18 230.25 Td (of ) Tj ET Q q 0 0 0 rg BT 228.01 230.25 Td (these ) Tj ET Q q 0 0 0 rg BT 251.05 230.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 274.66 230.25 Td (is ) Tj ET Q q 0 0 0 rg BT 283.83 230.25 Td (also ) Tj ET Q q 0 0 0 rg BT 302.44 230.25 Td (diversified ) Tj ET Q q 0 0 0 rg BT 347.71 230.25 Td (by ) Tj ET Q q 0 0 0 rg BT 360.21 230.25 Td (geography) Tj ET Q q 0 0 0 rg BT 401.76 230.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 101.38 206.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 127.77 206.25 Td (Collateralized ) Tj ET Q q 0 0 0 rg BT 185.80 206.25 Td (by ) Tj ET Q q 0 0 0 rg BT 197.32 206.25 Td (Assignment ) Tj ET Q q 0 0 0 rg BT 247.05 206.25 Td (of ) Tj ET Q q 0 0 0 rg BT 257.33 206.25 Td (Lease ) Tj ET Q q 0 0 0 rg BT 282.60 206.25 Td (Payments ) Tj ET Q q 0 0 0 rg BT 323.44 206.25 Td (\("Lease ) Tj ET Q q 0 0 0 rg BT 356.11 206.25 Td (Loans"\). ) Tj ET Q q 0 0 0 rg BT 392.42 206.25 Td ( ) Tj ET Q q 0 0 0 rg BT 394.23 206.25 Td (The ) Tj ET Q q 0 0 0 rg BT 411.72 206.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.56 206.25 Td (makes ) Tj ET Q q 0 0 0 rg BT 480.06 206.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 501.99 206.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 525.05 206.25 Td (to ) Tj ET Q q 0 0 0 rg BT 534.78 206.25 Td (lessors ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.25 Td (where ) Tj ET Q q 0 0 0 rg BT 76.99 194.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.77 194.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 137.66 194.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 164.10 194.25 Td (are ) Tj ET Q q 0 0 0 rg BT 178.87 194.25 Td (with ) Tj ET Q q 0 0 0 rg BT 199.21 194.25 Td (both ) Tj ET Q q 0 0 0 rg BT 219.55 194.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 265.99 194.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 290.76 194.25 Td (and ) Tj ET Q q 0 0 0 rg BT 307.76 194.25 Td (non-investment ) Tj ET Q q 0 0 0 rg BT 372.54 194.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 397.31 194.25 Td (companies. ) Tj ET Q q 0 0 0 rg BT 445.13 194.25 Td ( ) Tj ET Q q 0 0 0 rg BT 447.70 194.25 Td (Investment ) Tj ET Q q 0 0 0 rg BT 494.69 194.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 519.46 194.25 Td (lessees ) Tj ET Q q 0 0 0 rg BT 549.79 194.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 95.47 182.25 Td (rated ) Tj ET Q q 0 0 0 rg BT 118.17 182.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.66 182.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.10 182.25 Td ( ) Tj ET Q q 0 0 0 rg BT 145.81 182.25 Td (of ) Tj ET Q q 0 0 0 rg BT 156.85 182.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.77 182.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 188.43 182.25 Td ( ) Tj ET Q q 0 0 0 rg BT 191.14 182.25 Td (highest ) Tj ET Q q 0 0 0 rg BT 222.74 182.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 265.98 182.25 Td (by ) Tj ET Q q 0 0 0 rg BT 278.69 182.25 Td (Moody's ) Tj ET Q q 0 0 0 rg BT 315.99 182.25 Td (Investor ) Tj ET Q q 0 0 0 rg BT 351.46 182.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 388.05 182.25 Td (or ) Tj ET Q q 0 0 0 rg BT 399.09 182.25 Td (Standard ) Tj ET Q q 0 0 0 rg BT 437.35 182.25 Td (& ) Tj ET Q q 0 0 0 rg BT 447.84 182.25 Td (Poor's ) Tj ET Q q 0 0 0 rg BT 475.13 182.25 Td (Rating ) Tj ET Q q 0 0 0 rg BT 504.51 182.25 Td (Services ) Tj ET Q q 0 0 0 rg BT 541.09 182.25 Td (or) Tj ET Q q 0 0 0 rg BT 549.02 182.25 Td (, ) Tj ET Q q 0 0 0 rg BT 554.23 182.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.15 170.25 Td (event ) Tj ET Q q 0 0 0 rg BT 89.73 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.88 170.25 Td (related ) Tj ET Q q 0 0 0 rg BT 135.01 170.25 Td (lessee ) Tj ET Q q 0 0 0 rg BT 161.82 170.25 Td (has ) Tj ET Q q 0 0 0 rg BT 178.08 170.25 Td (not ) Tj ET Q q 0 0 0 rg BT 193.78 170.25 Td (received ) Tj ET Q q 0 0 0 rg BT 230.58 170.25 Td (any ) Tj ET Q q 0 0 0 rg BT 247.94 170.25 Td (such ) Tj ET Q q 0 0 0 rg BT 269.20 170.25 Td (rating, ) Tj ET Q q 0 0 0 rg BT 297.96 170.25 Td (where ) Tj ET Q q 0 0 0 rg BT 325.32 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.46 170.25 Td (related ) Tj ET Q q 0 0 0 rg BT 370.60 170.25 Td (lessee ) Tj ET Q q 0 0 0 rg BT 397.40 170.25 Td (would ) Tj ET Q q 0 0 0 rg BT 425.33 170.25 Td (be ) Tj ET Q q 0 0 0 rg BT 437.70 170.25 Td (viewed ) Tj ET Q q 0 0 0 rg BT 469.51 170.25 Td (under ) Tj ET Q q 0 0 0 rg BT 495.21 170.25 Td (the ) Tj ET Q q 0 0 0 rg BT 510.35 170.25 Td (underwriting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 84.06 158.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.36 158.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.53 158.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 152.38 158.25 Td (as ) Tj ET Q q 0 0 0 rg BT 163.67 158.25 Td (an ) Tj ET Q q 0 0 0 rg BT 176.07 158.25 Td (investment ) Tj ET Q q 0 0 0 rg BT 222.92 158.25 Td (grade ) Tj ET Q q 0 0 0 rg BT 248.09 158.25 Td (company) Tj ET Q q 0 0 0 rg BT 284.09 158.25 Td (. ) Tj ET Q q 0 0 0 rg BT 289.34 158.25 Td (Whether ) Tj ET Q q 0 0 0 rg BT 326.72 158.25 Td (or ) Tj ET Q q 0 0 0 rg BT 338.02 158.25 Td (not ) Tj ET Q q 0 0 0 rg BT 353.76 158.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 399.48 158.25 Td (fall ) Tj ET Q q 0 0 0 rg BT 415.77 158.25 Td (into ) Tj ET Q q 0 0 0 rg BT 434.29 158.25 Td (this ) Tj ET Q q 0 0 0 rg BT 451.70 158.25 Td (category) Tj ET Q q 0 0 0 rg BT 485.47 158.25 Td (, ) Tj ET Q q 0 0 0 rg BT 490.93 158.25 Td (each ) Tj ET Q q 0 0 0 rg BT 512.21 158.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 535.15 158.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 555.33 158.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 96.34 146.25 Td (on ) Tj ET Q q 0 0 0 rg BT 109.36 146.25 Td (its ) Tj ET Q q 0 0 0 rg BT 121.83 146.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 165.40 146.25 Td (merit ) Tj ET Q q 0 0 0 rg BT 189.53 146.25 Td (based ) Tj ET Q q 0 0 0 rg BT 215.32 146.25 Td (on ) Tj ET Q q 0 0 0 rg BT 228.34 146.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.58 146.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 281.58 146.25 Td (wherewithal ) Tj ET Q q 0 0 0 rg BT 334.02 146.25 Td (of ) Tj ET Q q 0 0 0 rg BT 345.38 146.25 Td (the ) Tj ET Q q 0 0 0 rg BT 360.61 146.25 Td (lessee ) Tj ET Q q 0 0 0 rg BT 387.51 146.25 Td (using ) Tj ET Q q 0 0 0 rg BT 412.20 146.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 450.21 146.25 Td (information ) Tj ET Q q 0 0 0 rg BT 500.44 146.25 Td (available ) Tj ET Q q 0 0 0 rg BT 539.55 146.25 Td (at ) Tj ET Q q 0 0 0 rg BT 549.79 146.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.25 Td (time ) Tj ET Q q 0 0 0 rg BT 70.27 134.25 Td (of ) Tj ET Q q 0 0 0 rg BT 81.10 134.25 Td (underwriting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 102.87 110.25 Td (Real ) Tj ET Q q 0 0 0 rg BT 124.64 110.25 Td (Estate ) Tj ET Q q 0 0 0 rg BT 152.52 110.25 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 182.90 110.25 Td ( ) Tj ET Q q 0 0 0 rg BT 186.35 110.25 Td (Commercial ) Tj ET Q q 0 0 0 rg BT 239.22 110.25 Td (real ) Tj ET Q q 0 0 0 rg BT 257.65 110.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 283.85 110.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 308.41 110.25 Td (are ) Tj ET Q q 0 0 0 rg BT 324.06 110.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 355.83 110.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.05 110.25 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 422.15 110.25 Td (standards ) Tj ET Q q 0 0 0 rg BT 463.36 110.25 Td (and ) Tj ET Q q 0 0 0 rg BT 481.24 110.25 Td (processes ) Tj ET Q q 0 0 0 rg BT 523.01 110.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 554.22 110.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 98.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 99.50 98.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 125.41 98.25 Td ( ) Tj ET Q q 0 0 0 rg BT 127.55 98.25 Td (These ) Tj ET Q q 0 0 0 rg BT 153.73 98.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 177.14 98.25 Td (are ) Tj ET Q q 0 0 0 rg BT 191.65 98.25 Td (viewed ) Tj ET Q q 0 0 0 rg BT 222.82 98.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 262.34 98.25 Td (as ) Tj ET Q q 0 0 0 rg BT 272.97 98.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 293.04 98.25 Td (flow ) Tj ET Q q 0 0 0 rg BT 313.67 98.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 337.08 98.25 Td (and ) Tj ET Q q 0 0 0 rg BT 353.83 98.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.34 98.25 Td (repayment ) Tj ET Q q 0 0 0 rg BT 412.85 98.25 Td (of ) Tj ET Q q 0 0 0 rg BT 423.48 98.25 Td (these ) Tj ET Q q 0 0 0 rg BT 446.33 98.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 469.74 98.25 Td (is ) Tj ET Q q 0 0 0 rg BT 478.71 98.25 Td (lar) Tj ET Q q 0 0 0 rg BT 489.08 98.25 Td (gely ) Tj ET Q q 0 0 0 rg BT 508.60 98.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 551.99 98.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 86.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.50 86.25 Td (successful ) Tj ET Q q 0 0 0 rg BT 107.88 86.25 Td (operation ) Tj ET Q q 0 0 0 rg BT 147.93 86.25 Td (of ) Tj ET Q q 0 0 0 rg BT 158.55 86.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.05 86.25 Td (property) Tj ET Q q 0 0 0 rg BT 206.27 86.25 Td (. ) Tj ET Q q 0 0 0 rg BT 211.06 86.25 Td ( ) Tj ET Q q 0 0 0 rg BT 213.34 86.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 236.17 86.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 288.98 86.25 Td (may ) Tj ET Q q 0 0 0 rg BT 308.48 86.25 Td (be ) Tj ET Q q 0 0 0 rg BT 320.20 86.25 Td (adversely ) Tj ET Q q 0 0 0 rg BT 360.80 86.25 Td (af) Tj ET Q q 0 0 0 rg BT 368.39 86.25 Td (fected ) Tj ET Q q 0 0 0 rg BT 395.10 86.25 Td (by ) Tj ET Q q 0 0 0 rg BT 407.38 86.25 Td (factors ) Tj ET Q q 0 0 0 rg BT 436.88 86.25 Td (impacting ) Tj ET Q q 0 0 0 rg BT 479.15 86.25 Td (the ) Tj ET Q q 0 0 0 rg BT 493.65 86.25 Td (general ) Tj ET Q q 0 0 0 rg BT 525.36 86.25 Td (economy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 74.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.83 74.25 Td (conditions ) Tj ET Q q 0 0 0 rg BT 105.00 74.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 138.59 74.25 Td (to ) Tj ET Q q 0 0 0 rg BT 148.87 74.25 Td (the ) Tj ET Q q 0 0 0 rg BT 163.58 74.25 Td (real ) Tj ET Q q 0 0 0 rg BT 181.07 74.25 Td (estate ) Tj ET Q q 0 0 0 rg BT 206.33 74.25 Td (market ) Tj ET Q q 0 0 0 rg BT 236.60 74.25 Td (such ) Tj ET Q q 0 0 0 rg BT 257.43 74.25 Td (as ) Tj ET Q q 0 0 0 rg BT 268.26 74.25 Td (geographic ) Tj ET Q q 0 0 0 rg BT 315.18 74.25 Td (location ) Tj ET Q q 0 0 0 rg BT 349.89 74.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 377.94 74.25 Td (property ) Tj ET Q q 0 0 0 rg BT 414.32 74.25 Td (type.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 62.25 Td () Tj ET Q endstream endobj 199 0 obj <> endobj 200 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.00 31.60 Td (99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Construction ) Tj ET Q q 0 0 0 rg BT 103.94 742.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 124.53 742.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 151.24 742.10 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 180.45 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 182.56 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 200.38 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 241.54 742.10 Td (defines ) Tj ET Q q 0 0 0 rg BT 272.68 742.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 324.39 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 347.77 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 358.37 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 381.75 742.10 Td (where ) Tj ET Q q 0 0 0 rg BT 408.45 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.94 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 442.43 742.10 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 480.24 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 494.72 742.10 Td (controlled ) Tj ET Q q 0 0 0 rg BT 537.53 742.10 Td (by ) 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 91.38 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.32 730.10 Td (used ) Tj ET Q q 0 0 0 rg BT 129.15 730.10 Td (exclusively ) Tj ET Q q 0 0 0 rg BT 177.18 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 191.34 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 206.05 730.10 Td (improvement ) Tj ET Q q 0 0 0 rg BT 261.87 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.70 730.10 Td (real ) Tj ET Q q 0 0 0 rg BT 290.18 730.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 315.44 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 325.71 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 352.65 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.36 730.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 408.75 730.10 Td (holds ) Tj ET Q q 0 0 0 rg BT 432.91 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 439.85 730.10 Td (mortgage. ) Tj ET Q q 0 0 0 rg BT 482.61 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.10 730.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 504.26 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.54 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 529.25 730.10 Td (inherent ) 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 67.30 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 77.38 718.10 Td (this ) Tj ET Q q 0 0 0 rg BT 94.13 718.10 Td (type ) Tj ET Q q 0 0 0 rg BT 113.65 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.28 718.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 146.30 718.10 Td (these ) Tj ET Q q 0 0 0 rg BT 169.15 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 192.56 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 207.07 718.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 237.70 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 247.78 718.10 Td (other ) Tj ET Q q 0 0 0 rg BT 270.63 718.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 305.71 718.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 339.11 718.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 366.40 718.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 409.81 718.10 Td (outlined ) Tj ET Q q 0 0 0 rg BT 444.89 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 454.97 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 469.48 718.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 516.37 718.10 Td (Credit ) Tj ET Q q 0 0 0 rg BT 543.66 718.10 Td (Risk ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Policy) Tj ET Q q 0 0 0 rg BT 74.91 706.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 93.14 682.10 Td (Related ) Tj ET Q q 0 0 0 rg BT 125.72 682.10 Td (Loans. ) Tj ET Q q 0 0 0 rg BT 154.70 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 156.59 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 174.17 682.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 215.09 682.10 Td (originates ) Tj ET Q q 0 0 0 rg BT 256.56 682.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 281.36 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 297.84 682.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 330.41 682.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 371.33 682.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 396.97 682.10 Td (including ) Tj ET Q q 0 0 0 rg BT 436.78 682.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 476.03 682.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 519.72 682.10 Td (real ) Tj ET Q q 0 0 0 rg BT 536.74 682.10 Td (estate, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (home ) Tj ET Q q 0 0 0 rg BT 74.49 670.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 101.76 670.10 Td (lines ) Tj ET Q q 0 0 0 rg BT 122.92 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.63 670.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 165.51 670.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 190.55 670.10 Td (cards, ) Tj ET Q q 0 0 0 rg BT 216.42 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 233.13 670.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 265.94 670.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 297.09 670.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 320.47 670.10 Td (\(motorcycle, ) Tj ET Q q 0 0 0 rg BT 373.55 670.10 Td (marine, ) Tj ET Q q 0 0 0 rg BT 406.09 670.10 Td (recreational ) Tj ET Q q 0 0 0 rg BT 455.55 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.26 670.10 Td (powersports ) Tj ET Q q 0 0 0 rg BT 523.42 670.10 Td (vehicles\). ) Tj ET Q q 0 0 0 rg BT 564.51 670.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (Each ) Tj ET Q q 0 0 0 rg BT 72.15 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 91.53 658.10 Td (type ) Tj ET Q q 0 0 0 rg BT 110.92 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 119.75 658.10 Td (underwritten ) Tj ET Q q 0 0 0 rg BT 173.01 658.10 Td (based ) Tj ET Q q 0 0 0 rg BT 197.94 658.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 220.11 658.10 Td (several ) Tj ET Q q 0 0 0 rg BT 250.59 658.10 Td (factors ) Tj ET Q q 0 0 0 rg BT 279.96 658.10 Td (including ) Tj ET Q q 0 0 0 rg BT 319.90 658.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 339.28 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 349.23 658.10 Td (income, ) Tj ET Q q 0 0 0 rg BT 383.33 658.10 Td (type ) Tj ET Q q 0 0 0 rg BT 402.71 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.21 658.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 452.57 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 469.17 658.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 488.55 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 498.50 658.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 537.86 658.10 Td (value, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 75.52 646.10 Td (history ) Tj ET Q q 0 0 0 rg BT 106.04 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.23 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.20 646.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 185.53 646.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 235.50 646.10 Td (with ) Tj ET Q q 0 0 0 rg BT 256.03 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.00 646.10 Td (borrower) Tj ET Q q 0 0 0 rg BT 307.09 646.10 Td (. ) Tj ET Q q 0 0 0 rg BT 312.35 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 315.10 646.10 Td (Indirect ) Tj ET Q q 0 0 0 rg BT 348.94 646.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 368.91 646.10 Td (and ) Tj ET Q q 0 0 0 rg BT 386.10 646.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 411.62 646.10 Td (card ) Tj ET Q q 0 0 0 rg BT 431.57 646.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 485.98 646.10 Td (involves ) Tj ET Q q 0 0 0 rg BT 522.62 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.59 646.10 Td (use ) 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 (risk-based ) Tj ET Q q 0 0 0 rg BT 93.60 634.10 Td (pricing ) Tj ET Q q 0 0 0 rg BT 124.42 634.10 Td (in ) Tj ET Q q 0 0 0 rg BT 134.70 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.42 634.10 Td (underwriting ) Tj ET Q q 0 0 0 rg BT 203.57 634.10 Td (process.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 94.35 610.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 159.24 610.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 186.11 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 189.36 610.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 233.71 610.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 298.60 610.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 322.97 610.10 Td (are ) Tj ET Q q 0 0 0 rg BT 338.43 610.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 382.21 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 397.13 610.10 Td (under ) Tj ET Q q 0 0 0 rg BT 422.43 610.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 444.91 610.10 Td (T) Tj ET Q q 0 0 0 rg BT 450.32 610.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 470.79 610.10 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 504.87 610.10 Td (which ) Tj ET Q q 0 0 0 rg BT 532.56 610.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 92.27 598.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 155.64 598.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 178.49 598.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 214.65 598.10 Td (through ) Tj ET Q q 0 0 0 rg BT 247.49 598.10 Td (business ) Tj ET Q q 0 0 0 rg BT 283.12 598.10 Td (combinations, ) Tj ET Q q 0 0 0 rg BT 341.24 598.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 400.20 598.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 449.69 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 465.87 598.10 Td (re-purchase ) Tj ET Q q 0 0 0 rg BT 514.24 598.10 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.38 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.20 586.10 Td (Government ) Tj ET Q q 0 0 0 rg BT 137.79 586.10 Td (National ) Tj ET Q q 0 0 0 rg BT 174.83 586.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 215.74 586.10 Td (Association ) Tj ET Q q 0 0 0 rg BT 265.56 586.10 Td (\("GNMA"\). ) Tj ET Q q 0 0 0 rg BT 316.04 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 318.46 586.10 Td (The ) Tj ET Q q 0 0 0 rg BT 336.61 586.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 360.32 586.10 Td (re-purchased ) Tj ET Q q 0 0 0 rg BT 414.56 586.10 Td (from ) Tj ET Q q 0 0 0 rg BT 436.60 586.10 Td (GNMA) Tj ET Q q 0 0 0 rg BT 466.61 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 469.21 586.10 Td (were ) Tj ET Q q 0 0 0 rg BT 491.24 586.10 Td (originally ) Tj ET Q q 0 0 0 rg BT 532.73 586.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 552.00 586.10 Td (by ) 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 64.65 574.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 105.96 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.17 574.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 165.25 574.10 Td (retained ) Tj ET Q q 0 0 0 rg BT 199.88 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 216.75 574.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 271.39 574.10 Td (became ) Tj ET Q q 0 0 0 rg BT 304.35 574.10 Td (delinquent. ) Tj ET Q q 0 0 0 rg BT 351.49 574.10 Td ( ) Tj ET Q q 0 0 0 rg BT 353.75 574.10 Td (These ) Tj ET Q q 0 0 0 rg BT 380.05 574.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 403.59 574.10 Td (are ) Tj ET Q q 0 0 0 rg BT 418.22 574.10 Td (also ) Tj ET Q q 0 0 0 rg BT 436.76 574.10 Td (insured ) Tj ET Q q 0 0 0 rg BT 468.63 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 481.05 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.70 574.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 528.11 574.10 Td (Housing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (Administration ) Tj ET Q q 0 0 0 rg BT 113.62 562.10 Td (\(commonly ) Tj ET Q q 0 0 0 rg BT 162.78 562.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 197.48 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.33 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 219.72 562.10 Td ("FHA"\) ) Tj ET Q q 0 0 0 rg BT 254.28 562.10 Td (or ) Tj ET Q q 0 0 0 rg BT 265.68 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 280.96 562.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 301.80 562.10 Td (Department ) Tj ET Q q 0 0 0 rg BT 352.07 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 363.24 562.10 Td (V) Tj ET Q q 0 0 0 rg BT 369.36 562.10 Td (eterans ) Tj ET Q q 0 0 0 rg BT 400.06 562.10 Td (Af) Tj ET Q q 0 0 0 rg BT 410.43 562.10 Td (fairs ) Tj ET Q q 0 0 0 rg BT 431.26 562.10 Td (\(commonly ) Tj ET Q q 0 0 0 rg BT 480.43 562.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 515.13 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 525.97 562.10 Td (as ) Tj ET Q q 0 0 0 rg BT 537.37 562.10 Td ("V) Tj ET Q q 0 0 0 rg BT 547.38 562.10 Td (A"\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (where ) Tj ET Q q 0 0 0 rg BT 77.92 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 93.62 550.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 136.00 550.10 Td (would ) Tj ET Q q 0 0 0 rg BT 164.48 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 177.41 550.10 Td (able ) Tj ET Q q 0 0 0 rg BT 197.55 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 208.82 550.10 Td (recover ) Tj ET Q q 0 0 0 rg BT 242.28 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 257.99 550.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 297.02 550.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 331.04 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 342.85 550.10 Td (these ) Tj ET Q q 0 0 0 rg BT 366.89 550.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 393.99 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 396.70 550.10 Td (All ) Tj ET Q q 0 0 0 rg BT 412.97 550.10 Td (re-purchases ) Tj ET Q q 0 0 0 rg BT 466.98 550.10 Td (from ) Tj ET Q q 0 0 0 rg BT 489.91 550.10 Td (GNMA) Tj ET Q q 0 0 0 rg BT 519.92 550.10 Td ( ) Tj ET Q q 0 0 0 rg BT 523.40 550.10 Td (are ) Tj ET Q q 0 0 0 rg BT 539.10 550.10 Td (at ) Tj ET Q q 0 0 0 rg BT 549.80 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 97.08 538.10 Td (discretion.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.50 514.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 127.22 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 138.06 514.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 179.43 514.10 Td (of) Tj ET Q q 0 0 0 rg BT 187.58 514.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 212.85 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 230.35 514.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 268.40 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 279.79 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.06 514.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 337.01 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 354.51 514.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 373.13 514.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 413.41 514.10 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 440.07 514.10 Td (including ) Tj ET Q q 0 0 0 rg BT 480.91 514.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 526.73 514.10 Td (in ) Tj ET Q q 0 0 0 rg BT 537.57 514.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (they ) Tj ET Q q 0 0 0 rg BT 69.94 502.10 Td (have ) Tj ET Q q 0 0 0 rg BT 91.53 502.10 Td (management ) Tj ET Q q 0 0 0 rg BT 145.34 502.10 Td (control ) Tj ET Q q 0 0 0 rg BT 176.38 502.10 Td (or ) Tj ET Q q 0 0 0 rg BT 187.43 502.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 234.03 502.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 276.17 502.10 Td (ownership, ) Tj ET Q q 0 0 0 rg BT 323.05 502.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 332.98 502.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 391.79 502.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.79 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 414.51 502.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.66 502.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.66 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 456.88 502.10 Td (were ) Tj ET Q q 0 0 0 rg BT 479.03 502.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 502.10 Td ($72.2 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 82.89 490.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 101.32 490.10 Td ($75.0 ) Tj ET Q q 0 0 0 rg BT 127.82 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.71 490.10 Td (, ) Tj ET Q q 0 0 0 rg BT 163.21 490.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 210.87 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 217.36 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 221.07 490.10 Td (T) Tj ET Q q 0 0 0 rg BT 226.48 490.10 Td (otal ) Tj ET Q q 0 0 0 rg BT 245.47 490.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 286.11 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 300.11 490.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 325.21 490.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 375.88 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.65 490.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 429.96 490.10 Td (of) Tj ET Q q 0 0 0 rg BT 438.11 490.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 464.31 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 482.74 490.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 524.23 490.10 Td (including ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 94.87 478.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.76 478.10 Td (which ) Tj ET Q q 0 0 0 rg BT 131.30 478.10 Td (they ) Tj ET Q q 0 0 0 rg BT 150.63 478.10 Td (have ) Tj ET Q q 0 0 0 rg BT 171.61 478.10 Td (management ) Tj ET Q q 0 0 0 rg BT 224.80 478.10 Td (control ) Tj ET Q q 0 0 0 rg BT 255.24 478.10 Td (or ) Tj ET Q q 0 0 0 rg BT 265.67 478.10 Td (controlling ) Tj ET Q q 0 0 0 rg BT 311.66 478.10 Td (beneficial ) Tj ET Q q 0 0 0 rg BT 353.19 478.10 Td (ownership, ) Tj ET Q q 0 0 0 rg BT 399.46 478.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.99 478.10 Td ($30.1 ) Tj ET Q q 0 0 0 rg BT 445.60 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.49 478.10 Td (,and ) Tj ET Q q 0 0 0 rg BT 496.04 478.10 Td (total ) Tj ET Q q 0 0 0 rg BT 515.92 478.10 Td (repayments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (were 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499.06 466.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 529.43 466.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 554.24 466.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (other ) Tj ET Q q 0 0 0 rg BT 73.05 454.10 Td (customer ) Tj ET Q q 0 0 0 rg BT 112.20 454.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 135.81 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.75 454.10 Td (do ) Tj ET Q q 0 0 0 rg BT 165.25 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 180.53 454.10 Td (present ) Tj ET Q q 0 0 0 rg BT 211.90 454.10 Td (more ) Tj ET Q q 0 0 0 rg BT 234.95 454.10 Td (than ) Tj ET Q q 0 0 0 rg BT 254.67 454.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 285.49 454.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 302.99 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.82 454.10 Td (collection.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td () Tj ET Q q 0 0 0 rg BT 51.95 430.10 Td (A) Tj ET Q q 0 0 0 rg BT 58.62 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 61.22 430.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 101.02 430.10 Td (pledge ) Tj ET Q q 0 0 0 rg BT 130.28 430.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 174.52 430.10 Td (exists ) Tj ET Q q 0 0 0 rg BT 199.90 430.10 Td (whereby ) Tj ET Q q 0 0 0 rg BT 236.93 430.10 Td (at ) Tj ET Q q 0 0 0 rg BT 246.75 430.10 Td (all ) Tj ET Q q 0 0 0 rg BT 259.35 430.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 286.12 430.10 Td (the ) Tj ET Q q 0 0 0 rg BT 300.94 430.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 342.43 430.10 Td (must ) Tj ET Q q 0 0 0 rg BT 364.48 430.10 Td (keep ) Tj ET Q q 0 0 0 rg BT 385.96 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 398.56 430.10 Td (hand, ) Tj ET Q q 0 0 0 rg BT 423.10 430.10 Td (free ) Tj ET Q q 0 0 0 rg BT 441.24 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 452.17 430.10 Td (all ) Tj ET Q q 0 0 0 rg BT 464.77 430.10 Td (other ) Tj ET Q q 0 0 0 rg BT 487.92 430.10 Td (pledges, ) Tj ET Q q 0 0 0 rg BT 523.57 430.10 Td (liens, ) Tj ET Q q 0 0 0 rg BT 547.56 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (encumbrances, ) Tj ET Q q 0 0 0 rg BT 111.86 418.10 Td (first ) Tj ET Q q 0 0 0 rg BT 130.14 418.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 170.08 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 193.36 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 209.97 418.10 Td (home ) Tj ET Q q 0 0 0 rg BT 234.36 418.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 261.53 418.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 284.81 418.10 Td (with ) Tj ET Q q 0 0 0 rg BT 304.76 418.10 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 334.15 418.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 371.86 418.10 Td (balances ) Tj ET Q q 0 0 0 rg BT 408.46 418.10 Td (aggregating ) Tj ET Q q 0 0 0 rg BT 457.83 418.10 Td (no ) Tj ET Q q 0 0 0 rg BT 470.00 418.10 Td (less ) Tj ET Q q 0 0 0 rg BT 487.17 418.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.56 418.10 Td (133%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 529.89 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 532.06 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 545.90 418.10 Td (first ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 91.99 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 117.32 406.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 135.99 406.10 Td (250%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.32 406.10 Td ( ) Tj ET Q q 0 0 0 rg BT 163.54 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.43 406.10 Td (home ) Tj ET Q q 0 0 0 rg BT 205.87 406.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 235.09 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 260.42 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.98 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.42 406.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 340.31 406.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 381.18 406.10 Td (from ) Tj ET Q q 0 0 0 rg BT 404.84 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.29 406.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 455.50 406.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 484.16 406.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 508.93 406.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 538.33 406.10 Td (As ) Tj ET Q q 0 0 0 rg BT 553.67 406.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 109.46 394.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 129.46 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 132.84 394.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.66 394.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.66 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 176.54 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 192.14 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 234.41 394.10 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 252.23 394.10 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 273.11 394.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.22 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.60 394.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.42 394.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 341.30 394.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.41 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 373.29 394.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 420.96 394.10 Td (, ) Tj ET Q q 0 0 0 rg BT 426.84 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.55 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 463.03 394.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 498.07 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 509.78 394.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 550.36 394.10 Td (for ) Tj ET Q q 0 0 0 rg BT 564.52 394.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (Federal ) Tj ET Q q 0 0 0 rg BT 82.64 382.10 Td (Home ) Tj ET Q q 0 0 0 rg BT 109.73 382.10 Td (Loan ) Tj ET Q q 0 0 0 rg BT 132.94 382.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 156.70 382.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 196.00 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.09 382.10 Td (third ) Tj ET Q q 0 0 0 rg BT 234.64 382.10 Td (party ) Tj ET Q q 0 0 0 rg BT 257.84 382.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 284.93 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 295.91 382.10 Td (credit, ) Tj ET Q q 0 0 0 rg BT 323.83 382.10 Td (while ) Tj ET Q q 0 0 0 rg BT 348.70 382.10 Td (only ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.14 382.10 Td ($3.2 ) Tj ET Q q 0 0 0 rg BT 389.29 382.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.41 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 418.06 382.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.16 382.10 Td ($2.2 ) Tj ET Q q 0 0 0 rg BT 455.31 382.10 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.42 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.08 382.10 Td (were ) Tj ET Q q 0 0 0 rg BT 506.16 382.10 Td (required ) Tj ET Q q 0 0 0 rg BT 542.13 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 552.57 382.10 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 84.16 370.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 93.87 370.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 152.46 370.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.46 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 174.96 370.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.89 370.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.89 370.10 Td (, ) Tj ET Q q 0 0 0 rg BT 216.89 370.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 264.56 370.10 Td (. ) Tj ET Q endstream endobj 201 0 obj <> endobj 202 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (100) Tj ET Q 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 67.26 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 107.87 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 129.02 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 163.51 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.44 742.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 223.58 742.10 Td (aging ) Tj ET Q q 0 0 0 rg BT 247.51 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 257.56 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 271.50 742.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 308.19 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 353.79 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 363.28 742.10 Td (past ) Tj ET Q q 0 0 0 rg BT 381.11 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 397.27 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 420.09 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 431.81 742.10 Td (class ) Tj ET Q q 0 0 0 rg BT 452.97 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 463.01 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 485.84 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.89 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.94 742.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.94 730.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 125.55 730.10 Td (thousands\):) Tj ET Q BT /F1 5.00 Tf ET q 0 0 0 rg BT 50.00 724.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 693.60 193.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 693.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 693.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 693.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 693.60 65.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 693.60 45.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 693.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 693.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 669.60 193.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 669.60 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 669.60 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 669.60 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 669.60 65.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 669.60 45.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 669.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 669.60 50.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 637.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 637.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 637.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 637.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 637.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 637.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 637.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 637.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 615.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 615.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 615.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 615.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 615.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 615.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 615.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 615.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 593.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 593.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 593.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 593.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 593.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 593.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 593.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 593.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 571.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 571.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 571.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 571.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 571.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 571.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 571.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 571.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 549.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 549.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 549.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 549.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 549.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 549.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 549.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 549.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 527.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 527.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 527.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 527.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 527.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 527.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 527.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 527.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 495.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 495.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 495.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 495.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 495.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 495.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 495.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 495.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 470.60 193.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 470.60 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 470.60 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 470.60 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 470.60 65.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 470.60 45.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 470.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 470.60 50.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 441.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 441.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 441.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 441.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 441.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 441.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 441.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 441.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 410.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 410.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 410.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 410.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 410.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 410.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 410.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 410.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 388.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 388.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 388.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 388.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 388.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 388.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 388.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 388.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 366.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 366.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 366.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 366.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 366.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 366.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 366.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 366.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 344.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 344.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 344.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 344.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 344.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 344.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 344.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 344.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 322.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 322.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 322.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 322.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 390.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 394.50 322.60 65.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 459.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 322.60 45.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 322.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 322.60 50.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 300.60 193.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 243.50 300.60 4.00 -11.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 247.50 300.60 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218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 216.60000000000002 m 562.5 216.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 255.55 697.83 Td (Current) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.70 705.68 Td (30-59Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 303.25 697.68 Td (PastDue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 348.70 705.68 Td (60-89Days) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.25 697.68 Td (PastDue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 399.80 705.68 Td (LoansPastDue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.05 697.68 Td (90DaysorMore) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.75 705.68 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.25 697.68 Td (PastDue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.25 697.83 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 114.25 684.83 Td (December 31, 2016) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 684.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 672.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 672.55 Td (4,337,348) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 672.55 Td (2,515) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 672.55 Td (156) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 672.55 Td (6,487) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 672.55 Td (9,158) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 672.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 672.55 Td (4,346,506) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 661.55 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 653.55 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 653.85 Td (1,989,934) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 653.85 Td (9,229) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 653.85 Td (1,869) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 653.85 Td (1,944) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 653.85 Td (13,042) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 653.85 Td (2,002,976) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 641.55 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 641.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 629.55 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 629.55 Td (582,450) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 629.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 629.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 629.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 629.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 629.55 Td (582,450) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 618.55 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 618.55 Td (825,715) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 618.55 Td (3,045) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 618.55 Td (3,293) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 618.55 Td (1,340) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 618.55 Td (7,678) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 618.55 Td (833,393) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 607.55 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 607.55 Td (547,107) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 607.55 Td (458) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 607.55 Td (53) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 607.55 Td (379) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 607.55 Td (890) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 607.55 Td (547,997) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 596.55 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 596.55 Td (506,789) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 596.55 Td (568) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 596.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 596.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 596.55 Td (568) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 596.55 Td (507,357) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 585.55 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 585.55 Td (405,992) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 585.55 Td (350) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 585.55 Td (475) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 585.55 Td (6,381) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 585.55 Td (7,206) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 585.55 Td (413,198) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 574.55 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 574.55 Td (899,950) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 574.55 Td (2,385) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 574.55 Td (1,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 574.55 Td (131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 574.55 Td (3,671) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 574.55 Td (903,621) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 563.55 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 563.55 Td (1,041,189) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 563.55 Td (8,248) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 563.55 Td (3,409) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 563.55 Td (7,982) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 563.55 Td (19,639) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 563.55 Td (1,060,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 552.55 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 552.55 Td (518,171) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 552.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 552.55 Td (391) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 552.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 552.55 Td (391) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 552.55 Td (518,562) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 541.55 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 541.55 Td (537,221) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 541.55 Td (2,836) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 541.55 Td (1,062) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 541.55 Td (561) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 541.55 Td (4,459) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 541.55 Td (541,680) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 530.55 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 530.55 Td (261,765) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 530.55 Td (1,219) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 530.55 Td (815) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 530.55 Td (2,578) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 530.55 Td (4,612) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 530.55 Td (266,377) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 519.55 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.25 519.55 Td (80,443) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 519.55 Td (152) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 519.55 Td (120) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 519.55 Td (66) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 519.55 Td (338) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 519.55 Td (80,781) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 507.85 Td (Gross loans, excluding purchased credit-impaired) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 499.85 Td (loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.25 499.85 Td (12,534,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 499.85 Td (31,005) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 499.85 Td (12,798) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 499.85 Td (27,849) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 499.85 Td (71,652) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 499.85 Td (12,605,726) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 487.55 Td (Purchased credit-impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.25 487.55 Td (86,169) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 487.55 Td (6,546) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 487.55 Td (6,600) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 487.55 Td (63,762) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 487.55 Td (76,908) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 487.55 Td (163,077) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 474.85 Td (Total loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.25 474.85 Td (12,620,243) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 474.85 Td (37,551) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 365.25 474.85 Td (19,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 474.85 Td (91,611) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 474.85 Td (148,560) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 474.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.25 474.85 Td (12,768,803) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 458.85 Td (Non-performing loan aging) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 267.25 458.85 Td (28,364) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 458.85 Td (2,308) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.30 458.85 Td (978) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 458.85 Td (27,702) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 458.85 Td (30,988) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 458.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.25 458.85 Td (59,352) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 114.25 445.83 Td (December31, 2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 445.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 433.55 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 250.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 433.55 Td (3,586,372) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 433.55 Td (22,956) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 433.55 Td (97) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 433.55 Td (6,861) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 466.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 433.55 Td (29,914) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 433.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 433.55 Td (3,616,286) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 422.55 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 414.55 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 414.85 Td (1,758,839) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 414.85 Td (3,399) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 414.85 Td (5,902) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.30 414.85 Td (10,932) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 414.85 Td (20,233) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.25 414.85 Td (1,779,072) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 402.55 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 402.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 402.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.00 402.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.00 402.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 391.55 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 391.55 Td (476,939) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 391.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 391.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 448.30 391.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 391.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 391.55 Td (476,939) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 380.55 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 380.55 Td (400,182) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 380.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 380.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 380.55 Td (757) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 380.55 Td (757) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 380.55 Td (400,939) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 369.55 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 369.55 Td (399,333) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 369.55 Td (622) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 369.55 Td (88) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 369.55 Td (934) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 369.55 Td (1,644) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 369.55 Td (400,977) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 358.55 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 358.55 Td (410,958) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 358.55 Td (6,189) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 369.25 358.55 Td (7,411) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.30 358.55 Td (180) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 358.55 Td (13,780) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 358.55 Td (424,738) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 347.55 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 347.55 Td (223,935) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 347.55 Td (58) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 347.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 347.55 Td (5,189) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 347.55 Td (5,247) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 347.55 Td (229,182) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 336.55 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 336.55 Td (760,530) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 336.55 Td (622) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.30 336.55 Td (82) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.30 336.55 Td (1,667) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 336.55 Td (2,371) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 336.55 Td (762,901) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 325.55 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 263.25 325.55 Td (612,573) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 325.55 Td (5,193) Tj ET Q BT /F1 8.00 Tf 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 467.6 m 425.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 454.6 m 425.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 452.6 m 425.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 467.6 m 489.5 467.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 454.6 m 489.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 429.5 452.6 m 489.5 452.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 467.6 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 493.5 454.6 m 562.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 452.6 m 562.5 452.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 698.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 348.50 698.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 485.50 698.33 Td (2015) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 322.00 686.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.70 687.68 Td (Loanspastdue) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 459.00 686.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 501.70 687.68 Td (Loanspastdue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 300.85 667.83 Td (Non-accrual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 363.20 675.68 Td (90daysor) Tj ET Q q 0 0 0 rg BT 398.17 675.68 Td (mor) Tj ET Q q 0 0 0 rg BT 414.24 675.68 Td (e) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.90 667.68 Td (andstillaccruing) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.85 667.83 Td (Non-accrual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 500.20 675.68 Td (90daysor) Tj ET Q q 0 0 0 rg BT 535.17 675.68 Td (mor) Tj ET Q q 0 0 0 rg BT 551.24 675.68 Td (e) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.90 667.68 Td (andstillaccruing) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 654.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 654.06 Td (11,222) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 654.06 Td (1,406) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 654.06 Td (24,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 654.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 654.06 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 640.06 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 640.06 Td (1,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 640.06 Td (1,197) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 640.06 Td (7,027) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 640.06 Td (5,318) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 626.06 Td (Commercial real estate:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 349.00 626.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 422.00 626.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.00 626.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 626.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 612.06 Td (Healthcare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 612.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 612.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 612.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 612.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 598.06 Td (Industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 598.06 Td (276) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 598.06 Td (1,064) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 598.06 Td (1,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 598.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 584.06 Td (Multifamily) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 584.06 Td (2,662) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 584.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 584.06 Td (3,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 584.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 570.06 Td (Office) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 570.06 Td (896) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 570.06 Td (6,381) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 570.06 Td (4,496) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 570.06 Td (693) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 556.06 Td (Retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 335.50 556.06 Td (384) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 556.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 556.06 Td (17,594) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 556.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 542.06 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 542.06 Td (83) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 542.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 542.06 Td (1,544) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 542.06 Td (195) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 528.06 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 528.06 Td (16,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 408.50 528.06 Td (235) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 528.06 Td (17,951) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 528.06 Td (253) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 514.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 340.00 514.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 514.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 514.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 514.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 500.06 Td (Indirect vehicle) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.75 500.06 Td (2,355) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 500.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.75 500.06 Td (2,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 500.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 486.06 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 486.06 Td (13,187) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 486.06 Td (18,156) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 486.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 472.06 Td (Other consumer) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 344.50 472.06 Td (7) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 413.00 472.06 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 472.06 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 472.06 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 458.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 295.00 458.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.25 458.06 Td (48,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 458.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 458.06 Td (10,378) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 458.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.25 458.06 Td (98,065) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 458.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 458.06 Td (6,596) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.29 430.10 Td (reduction ) Tj ET Q q 0 0 0 rg BT 108.79 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 119.31 430.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 151.48 430.10 Td (income ) Tj ET Q q 0 0 0 rg BT 183.65 430.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 227.49 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 248.00 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 271.85 430.10 Td (on ) Tj ET Q q 0 0 0 rg BT 284.59 430.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 334.52 430.10 Td (status ) Tj ET Q q 0 0 0 rg BT 360.04 430.10 Td (was ) Tj ET Q q 0 0 0 rg BT 378.33 430.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.83 430.10 Td ($3.0 ) Tj ET Q q 0 0 0 rg BT 459.07 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.96 430.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.20 430.10 Td ($3.7 ) Tj ET Q q 0 0 0 rg BT 513.44 430.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.33 430.10 Td (, ) Tj ET Q q 0 0 0 rg BT 547.57 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td ($4.3 ) Tj ET Q q 0 0 0 rg BT 70.00 418.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.89 418.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.39 418.10 Td (for ) Tj ET Q q 0 0 0 rg BT 115.55 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.27 418.10 Td (years ) Tj ET Q q 0 0 0 rg BT 153.87 418.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.24 418.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 238.83 418.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.83 418.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.83 418.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 283.83 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 288.83 418.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 305.77 418.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.77 418.10 Td (, ) Tj ET Q q 0 0 0 rg BT 330.77 418.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 378.43 418.10 Td (. ) Tj ET Q q 0 0 0 rg BT 383.43 418.10 Td ( ) 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 67.69 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.72 394.10 Td (utilizes ) Tj ET Q q 0 0 0 rg BT 139.75 394.10 Td (an ) Tj ET Q q 0 0 0 rg BT 151.33 394.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 184.02 394.10 Td (asset ) Tj ET Q q 0 0 0 rg BT 205.60 394.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 260.51 394.10 Td (system ) Tj ET Q q 0 0 0 rg BT 290.43 394.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.91 394.10 Td (a ) Tj ET Q q 0 0 0 rg BT 307.49 394.10 Td (means ) Tj ET Q q 0 0 0 rg BT 335.18 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 345.66 394.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 384.46 394.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 419.93 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 436.51 394.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 473.65 394.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 509.12 394.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 534.87 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 537.02 394.10 Td (Under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 67.46 382.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 117.28 382.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 137.52 382.10 Td (rating ) Tj ET Q q 0 0 0 rg BT 166.09 382.10 Td (system, ) Tj ET Q q 0 0 0 rg BT 201.61 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 219.07 382.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 263.20 382.10 Td (classifies ) Tj ET Q q 0 0 0 rg BT 305.09 382.10 Td (potential ) Tj ET Q q 0 0 0 rg BT 345.32 382.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 383.89 382.10 Td (and ) Tj ET Q q 0 0 0 rg BT 403.57 382.10 Td (problem ) Tj ET Q q 0 0 0 rg BT 442.14 382.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 468.49 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 482.06 382.10 Td (Special ) Tj ET Q q 0 0 0 rg BT 521.17 382.10 Td (Mention, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (Substandard, ) Tj ET Q q 0 0 0 rg BT 113.31 370.10 Td (and ) Tj ET Q q 0 0 0 rg BT 130.24 370.10 Td (Doubtful. ) Tj ET Q q 0 0 0 rg BT 180.22 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 182.72 370.10 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 234.65 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 258.25 370.10 Td (include ) Tj ET Q q 0 0 0 rg BT 290.18 370.10 Td (those ) Tj ET Q q 0 0 0 rg BT 313.78 370.10 Td (characterized ) Tj ET Q q 0 0 0 rg BT 369.56 370.10 Td (by ) Tj ET Q q 0 0 0 rg BT 382.06 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 396.77 370.10 Td (distinct ) Tj ET Q q 0 0 0 rg BT 428.70 370.10 Td (possibility ) Tj ET Q q 0 0 0 rg BT 472.87 370.10 Td (that ) Tj ET Q q 0 0 0 rg BT 490.36 370.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.07 370.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 546.45 370.10 Td (will ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (sustain ) Tj ET Q q 0 0 0 rg BT 80.82 358.10 Td (some ) Tj ET Q q 0 0 0 rg BT 104.96 358.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 123.56 358.10 Td (if ) Tj ET Q q 0 0 0 rg BT 132.71 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 147.97 358.10 Td (deficiencies ) Tj ET Q q 0 0 0 rg BT 198.75 358.10 Td (are ) Tj ET Q q 0 0 0 rg BT 214.00 358.10 Td (not ) Tj ET Q q 0 0 0 rg BT 229.82 358.10 Td (corrected. ) Tj ET Q q 0 0 0 rg BT 272.55 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 275.59 358.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 303.06 358.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 343.87 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 355.23 358.10 Td (Doubtful ) Tj ET Q q 0 0 0 rg BT 394.38 358.10 Td (have ) Tj ET Q q 0 0 0 rg BT 416.30 358.10 Td (all ) Tj ET Q q 0 0 0 rg BT 429.33 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 444.59 358.10 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 494.27 358.10 Td (inherent ) Tj ET Q q 0 0 0 rg BT 530.08 358.10 Td (in ) Tj ET Q q 0 0 0 rg BT 540.89 358.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 90.40 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 101.37 346.10 Td (Substandard ) Tj ET Q q 0 0 0 rg BT 153.44 346.10 Td (with ) Tj ET Q q 0 0 0 rg BT 173.85 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.71 346.10 Td (added ) Tj ET Q q 0 0 0 rg BT 215.22 346.10 Td (characteristic ) Tj ET Q q 0 0 0 rg BT 271.15 346.10 Td (that ) Tj ET Q q 0 0 0 rg BT 288.78 346.10 Td (the ) Tj ET Q q 0 0 0 rg BT 303.63 346.10 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 352.92 346.10 Td (present ) Tj ET Q q 0 0 0 rg BT 384.43 346.10 Td (make ) Tj ET Q q 0 0 0 rg BT 408.72 346.10 Td (collection ) Tj ET Q q 0 0 0 rg BT 450.79 346.10 Td (or ) Tj ET Q q 0 0 0 rg BT 461.75 346.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 507.72 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.13 346.10 Td (full, ) Tj ET Q q 0 0 0 rg BT 537.16 346.10 Td (on ) 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 (basis ) Tj ET Q q 0 0 0 rg BT 72.54 334.10 Td (of ) Tj ET Q q 0 0 0 rg BT 83.41 334.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 122.05 334.10 Td (existing ) Tj ET Q q 0 0 0 rg BT 156.25 334.10 Td (facts, ) Tj ET Q q 0 0 0 rg BT 180.17 334.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 224.37 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 241.35 334.10 Td (values, ) Tj ET Q q 0 0 0 rg BT 271.94 334.10 Td (highly ) Tj ET Q q 0 0 0 rg BT 300.04 334.10 Td (questionable ) Tj ET Q q 0 0 0 rg BT 353.12 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 370.10 334.10 Td (improbable. ) Tj ET Q q 0 0 0 rg BT 420.68 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 423.22 334.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 450.20 334.10 Td (that ) Tj ET Q q 0 0 0 rg BT 467.74 334.10 Td (do ) Tj ET Q q 0 0 0 rg BT 480.28 334.10 Td (not ) Tj ET Q q 0 0 0 rg BT 495.60 334.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 534.23 334.10 Td (expose ) 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 63.80 322.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 104.27 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 113.63 322.10 Td (suf) Tj ET Q q 0 0 0 rg BT 125.67 322.10 Td (ficient ) Tj ET Q q 0 0 0 rg BT 152.79 322.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 169.37 322.10 Td (to ) Tj ET Q q 0 0 0 rg BT 178.73 322.10 Td (warrant ) Tj ET Q q 0 0 0 rg BT 210.85 322.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 265.19 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.55 322.10 Td (one ) Tj ET Q q 0 0 0 rg BT 290.57 322.10 Td (of ) Tj ET Q q 0 0 0 rg BT 300.48 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 314.28 322.10 Td (aforementioned ) Tj ET Q q 0 0 0 rg BT 378.61 322.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 420.72 322.10 Td (but ) Tj ET Q q 0 0 0 rg BT 435.08 322.10 Td (possess ) Tj ET Q q 0 0 0 rg BT 466.66 322.10 Td (weaknesses ) Tj ET Q q 0 0 0 rg BT 514.90 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 531.47 322.10 Td (deserve ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (management's ) Tj ET Q q 0 0 0 rg BT 109.11 310.10 Td (close ) Tj ET Q q 0 0 0 rg BT 131.98 310.10 Td (attention ) Tj ET Q q 0 0 0 rg BT 169.29 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 183.82 310.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 217.24 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.34 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 239.11 310.10 Td (Special ) Tj ET Q q 0 0 0 rg BT 270.86 310.10 Td (Mention. ) Tj ET Q q 0 0 0 rg BT 309.58 310.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.90 310.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 338.66 310.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 360.97 310.10 Td (but ) Tj ET Q q 0 0 0 rg BT 376.07 310.10 Td (not ) Tj ET Q q 0 0 0 rg BT 391.18 310.10 Td (adversely ) Tj ET Q q 0 0 0 rg BT 431.82 310.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 471.90 310.10 Td (are ) Tj ET Q q 0 0 0 rg BT 486.44 310.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 519.85 310.10 Td (to ) Tj ET Q q 0 0 0 rg BT 529.96 310.10 Td (be ) Tj ET Q q 0 0 0 rg BT 541.72 310.10 Td (Pass. ) Tj ET Q q 0 0 0 rg BT 564.50 310.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.10 Td (Risk ) Tj ET Q q 0 0 0 rg BT 70.84 298.10 Td (ratings ) Tj ET Q q 0 0 0 rg BT 100.56 298.10 Td (are ) Tj ET Q q 0 0 0 rg BT 115.26 298.10 Td (updated ) Tj ET Q q 0 0 0 rg BT 149.42 298.10 Td (any ) Tj ET Q q 0 0 0 rg BT 166.36 298.10 Td (time ) Tj ET Q q 0 0 0 rg BT 186.63 298.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.35 298.10 Td (situation ) Tj ET Q q 0 0 0 rg BT 238.29 298.10 Td (warrants ) Tj ET Q q 0 0 0 rg BT 275.22 298.10 Td (and ) Tj ET Q q 0 0 0 rg BT 292.16 298.10 Td (at ) Tj ET Q q 0 0 0 rg BT 301.88 298.10 Td (least ) Tj ET Q q 0 0 0 rg BT 322.70 298.10 Td (annually) Tj ET Q q 0 0 0 rg BT 356.48 298.10 Td (. ) Tj ET Q endstream endobj 205 0 obj <> endobj 206 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (102) Tj ET Q 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 76.66 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 91.65 742.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 113.86 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 128.28 742.10 Td (included ) Tj ET Q q 0 0 0 rg BT 164.93 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 174.93 742.10 Td (groups ) Tj ET Q q 0 0 0 rg BT 204.37 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 214.92 742.10 Td (homogeneous ) Tj ET Q q 0 0 0 rg BT 272.68 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 296.01 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 316.01 742.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 346.00 742.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 363.22 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 379.87 742.10 Td (loss ) Tj ET Q q 0 0 0 rg BT 397.65 742.10 Td (characteristics ) Tj ET Q q 0 0 0 rg BT 457.06 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 473.72 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 488.14 742.10 Td (not ) Tj ET Q q 0 0 0 rg BT 503.14 742.10 Td (included ) Tj ET Q q 0 0 0 rg BT 539.79 742.10 Td (in ) 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 (table ) Tj ET Q q 0 0 0 rg BT 71.46 730.10 Td (below) Tj ET Q q 0 0 0 rg BT 95.25 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 99.78 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.66 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 119.23 730.10 Td (following ) Tj ET Q q 0 0 0 rg BT 160.15 730.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 185.50 730.10 Td (present ) Tj ET Q q 0 0 0 rg BT 216.41 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.65 730.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 247.68 730.10 Td (category ) Tj ET Q q 0 0 0 rg BT 284.13 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.49 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 317.62 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 329.65 730.10 Td (class ) Tj ET Q q 0 0 0 rg BT 351.12 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 361.48 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 384.61 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 409.41 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 421.44 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 435.68 730.10 Td (most ) Tj ET Q q 0 0 0 rg BT 457.16 730.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 483.61 730.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 517.85 730.10 Td (performed, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 91.93 718.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 134.97 718.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 199.11 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 225.21 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 236.04 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 246.88 718.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 305.46 718.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.46 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 327.96 718.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.90 718.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.90 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 367.40 718.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 381.01 718.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td () 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 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 675.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 675.60 52.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 675.60 50.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 675.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 675.60 50.00 -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 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 648.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 648.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 648.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 648.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 648.60 50.00 -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 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 620.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 620.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 620.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 620.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 620.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 592.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 592.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 592.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 592.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 592.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 592.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 592.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 592.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 592.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 592.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 592.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 564.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 564.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 564.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 564.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 564.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 564.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 564.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 564.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 564.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 564.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 564.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 536.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 536.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 536.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 536.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 536.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 536.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 536.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 536.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 536.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 536.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 536.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 508.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 508.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 508.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 508.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 508.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 508.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 508.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 508.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 508.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 508.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 508.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 480.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 480.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 480.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 480.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 480.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 480.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 480.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 480.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 480.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 480.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 480.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 452.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 452.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 452.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 452.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 452.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 452.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 452.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 452.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 452.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 452.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 452.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 424.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 424.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 424.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 424.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 424.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 424.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 424.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 396.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 396.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 396.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 396.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 396.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 396.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 396.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 368.60 240.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 290.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 294.50 368.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 344.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 368.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 398.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 402.50 368.60 52.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 368.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 368.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 368.60 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 294.5 675.6 m 344.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 675.6 m 398.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 675.6 m 454.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 675.6 m 508.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 675.6 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 512.5 522.6 m 562.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 522.6 m 344.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 509.6 m 344.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 507.6 m 344.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 522.6 m 398.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 509.6 m 398.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 507.6 m 398.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 522.6 m 454.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 509.6 m 454.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 507.6 m 454.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 522.6 m 508.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 509.6 m 508.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 507.6 m 508.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 522.6 m 562.5 522.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 509.6 m 562.5 509.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 507.6 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 294.5 354.6 m 344.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 354.6 m 398.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 354.6 m 454.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 354.6 m 508.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 354.6 m 562.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 354.6 m 344.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 341.6 m 344.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 294.5 339.6 m 344.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 354.6 m 398.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 341.6 m 398.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 348.5 339.6 m 398.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 354.6 m 454.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 341.6 m 454.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 402.5 339.6 m 454.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 354.6 m 508.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 341.6 m 508.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 339.6 m 508.5 339.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 354.6 m 562.5 354.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 341.6 m 562.5 341.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 339.6 m 562.5 339.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 311.40 679.83 Td (Pass) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 360.75 687.68 Td (Special) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.55 679.68 Td (Mention) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 405.95 679.83 Td (Substandard) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 467.65 679.83 Td (Doubtful) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 528.25 679.83 Td (Total) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.70 667.00 Td (December 31, 2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 666.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 666.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 666.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 666.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 666.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 653.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 653.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 653.06 Td (4,127,397) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 653.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 653.06 Td (113,838) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 653.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 653.06 Td (105,271) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 653.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 653.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 653.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 653.06 Td (4,346,506) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 639.06 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 639.06 Td (1,981,689) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 639.06 Td (16,010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 639.06 Td (5,277) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 639.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 639.06 Td (2,002,976) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 625.06 Td (Commercial real estate:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 625.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 625.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 625.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 625.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 625.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 611.06 Td (Healthcare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 611.06 Td (545,663) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 611.06 Td (32,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 611.06 Td (4,536) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 611.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 611.06 Td (582,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 597.06 Td (Industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 597.06 Td (814,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 597.06 Td (17,962) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 597.06 Td (763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 597.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 597.06 Td (833,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 583.06 Td (Multifamily) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 583.06 Td (544,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 583.06 Td (312) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 583.06 Td (3,614) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 583.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 583.06 Td (547,997) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 569.06 Td (Retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 569.06 Td (498,458) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 569.06 Td (8,350) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.50 569.06 Td (549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 569.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 569.06 Td (507,357) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 555.06 Td (Office) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 555.06 Td (404,811) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 555.06 Td (5,299) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 555.06 Td (3,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 555.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 555.06 Td (413,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 541.06 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 541.06 Td (820,229) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 541.06 Td (44,629) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 541.06 Td (38,763) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 541.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 541.06 Td (903,621) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 527.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 527.06 Td (518,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 527.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 527.06 Td (518,562) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 513.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.50 513.06 Td (10,255,548) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 513.06 Td (238,651) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 513.06 Td (161,861) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 513.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 513.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 518.50 513.06 Td (10,656,060) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 133.70 499.05 Td (December31, 2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 499.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 485.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 485.06 Td (3,373,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 485.06 Td (115,548) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 485.06 Td (126,795) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 485.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 485.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 485.06 Td (3,616,286) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 471.06 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 471.06 Td (1,760,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 471.06 Td (4,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 471.06 Td (14,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 471.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 471.06 Td (1,779,072) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 457.06 Td (Commercial real estate:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 341.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 505.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 457.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 443.06 Td (Healthcare) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 443.06 Td (472,599) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 443.06 Td (4,340) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 443.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 443.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 443.06 Td (476,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 429.06 Td (Industrial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 429.06 Td (380,200) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 429.06 Td (19,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 429.06 Td (1,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 429.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 429.06 Td (400,939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 415.06 Td (Multifamily) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 415.06 Td (396,117) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.50 415.06 Td (595) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 415.06 Td (4,265) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 415.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 415.06 Td (400,977) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 401.06 Td (Retail) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 401.06 Td (393,543) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 370.25 401.06 Td (13,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 401.06 Td (17,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 401.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 401.06 Td (424,738) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 387.06 Td (Office) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 387.06 Td (216,584) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 387.06 Td (3,797) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 430.75 387.06 Td (8,801) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 387.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 387.06 Td (229,182) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 373.06 Td (Other) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 373.06 Td (730,713) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 374.75 373.06 Td (6,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.25 373.06 Td (25,995) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 373.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 373.06 Td (762,901) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 359.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 311.75 359.06 Td (252,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.00 359.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 442.00 359.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 359.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 359.06 Td (252,060) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 345.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 297.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.00 345.06 Td (7,976,433) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 351.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 365.75 345.06 Td (167,161) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 421.75 345.06 Td (199,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.00 345.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 515.00 345.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 345.06 Td (8,343,094) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.10 Td (Approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.10 317.10 Td ($17.3 ) Tj ET Q q 0 0 0 rg BT 138.17 317.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 167.06 317.10 Td ( ) Tj ET Q q 0 0 0 rg BT 169.62 317.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.62 317.10 Td ($59.6 ) Tj ET Q q 0 0 0 rg BT 211.68 317.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.58 317.10 Td ( ) Tj ET Q q 0 0 0 rg BT 243.14 317.10 Td (of ) Tj ET Q q 0 0 0 rg BT 254.03 317.10 Td (the ) Tj ET Q q 0 0 0 rg BT 268.81 317.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 319.14 317.10 Td (and ) Tj ET Q q 0 0 0 rg BT 336.14 317.10 Td (doubtful ) Tj ET Q q 0 0 0 rg BT 372.59 317.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 396.26 317.10 Td (were ) Tj ET Q q 0 0 0 rg BT 418.25 317.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 484.13 317.10 Td (as ) Tj ET Q q 0 0 0 rg BT 495.02 317.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 317.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 305.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 305.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 305.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 305.10 Td (, ) Tj ET Q q 0 0 0 rg BT 114.44 305.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 162.10 305.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 293.10 Td () Tj ET Q endstream endobj 207 0 obj <> endobj 208 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (For ) Tj ET Q q 0 0 0 rg BT 65.64 742.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 109.04 742.10 Td (real ) Tj ET Q q 0 0 0 rg BT 125.77 742.10 Td (estate, ) Tj ET Q q 0 0 0 rg BT 152.78 742.10 Td (home ) Tj ET Q q 0 0 0 rg BT 176.74 742.10 Td (equity) Tj ET Q q 0 0 0 rg BT 201.09 742.10 Td (, ) Tj ET Q q 0 0 0 rg BT 205.34 742.10 Td (indirect ) Tj ET Q q 0 0 0 rg BT 237.63 742.10 Td (vehicle ) Tj ET Q q 0 0 0 rg BT 268.24 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 284.43 742.10 Td (other ) Tj ET Q q 0 0 0 rg BT 306.72 742.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 347.35 742.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 366.31 742.10 Td (classes, ) Tj ET Q q 0 0 0 rg BT 398.33 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 412.29 742.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 452.92 742.10 Td (also ) Tj ET Q q 0 0 0 rg BT 470.78 742.10 Td (evaluates ) Tj ET Q q 0 0 0 rg BT 509.73 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 534.24 742.10 Td (quality ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.12 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.47 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.04 730.10 Td (aging ) Tj ET Q q 0 0 0 rg BT 126.60 730.10 Td (status ) Tj ET Q q 0 0 0 rg BT 151.73 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 162.41 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 176.98 730.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 199.04 730.10 Td (which ) Tj ET Q q 0 0 0 rg BT 225.83 730.10 Td (was ) Tj ET Q q 0 0 0 rg BT 243.74 730.10 Td (previously ) Tj ET Q q 0 0 0 rg BT 288.30 730.10 Td (presented, ) Tj ET Q q 0 0 0 rg BT 331.47 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.26 730.10 Td (by ) Tj ET Q q 0 0 0 rg BT 360.61 730.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 397.39 730.10 Td (activity) Tj ET Q q 0 0 0 rg BT 426.73 730.10 Td (. ) Tj ET Q q 0 0 0 rg BT 431.58 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 433.76 730.10 Td (The ) Tj ET Q q 0 0 0 rg BT 451.66 730.10 Td (following ) Tj ET Q q 0 0 0 rg BT 492.90 730.10 Td (table ) Tj ET Q q 0 0 0 rg BT 514.68 730.10 Td (presents ) 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 (recorded ) Tj ET Q q 0 0 0 rg BT 86.29 718.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 131.48 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 140.57 718.10 Td (those ) Tj ET Q q 0 0 0 rg BT 162.98 718.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 181.51 718.10 Td (classes ) Tj ET Q q 0 0 0 rg BT 210.59 718.10 Td (based ) Tj ET Q q 0 0 0 rg BT 234.67 718.10 Td (on ) Tj ET Q q 0 0 0 rg BT 245.98 718.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 281.72 718.10 Td (activity) Tj ET Q q 0 0 0 rg BT 311.06 718.10 Td (, ) Tj ET Q q 0 0 0 rg BT 314.87 718.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 355.62 718.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 397.46 718.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 460.41 718.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 485.33 718.10 Td ( ) Tj ET Q q 0 0 0 rg BT 486.64 718.10 Td (as ) Tj ET Q q 0 0 0 rg BT 496.28 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.92 718.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 72.50 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 706.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.94 706.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 125.55 706.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 281.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 671.60 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 671.60 4.00 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Tf ET q 0 0 0 rg BT 53.00 635.17 Td (Indirect vehicle) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.15 635.17 Td (539,315) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.15 635.17 Td (2,365) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 635.17 Td (541,680) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 621.17 Td (Home equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.15 621.17 Td (253,190) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 621.17 Td (13,187) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 621.17 Td (266,377) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 607.17 Td (Other consumer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.15 607.17 Td (80,710) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.65 607.17 Td (71) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 607.17 Td (80,781) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 593.17 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.00 593.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.65 593.17 Td (1,917,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.00 593.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 593.17 Td (32,396) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.00 593.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 593.17 Td (1,949,666) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 150.15 579.33 Td (December31, 2015) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 405.00 578.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.00 578.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 578.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 566.17 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.15 566.17 Td (609,965) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 566.17 Td (18,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 566.17 Td (628,169) Tj ET Q BT 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(1,270,986) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.00 510.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 510.17 Td (38,512) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.00 510.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 510.17 Td (1,309,498) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 477.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.32 477.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 106.07 477.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 152.73 477.10 Td (in ) Tj ET Q q 0 0 0 rg BT 163.29 477.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 207.71 477.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 248.25 477.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 272.14 477.10 Td (secured ) Tj ET Q q 0 0 0 rg BT 305.45 477.10 Td (by ) Tj ET Q q 0 0 0 rg BT 318.23 477.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 362.65 477.10 Td (real ) Tj ET Q q 0 0 0 rg BT 380.41 477.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 405.95 477.10 Td (properties ) Tj ET Q q 0 0 0 rg BT 448.71 477.10 Td 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0 rg BT 470.78 465.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.43 465.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.29 465.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 465.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 453.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 453.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.94 453.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.94 453.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 139.60 453.10 Td (.) Tj ET Q endstream endobj 209 0 obj <> endobj 210 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (104) Tj ET Q 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 68.01 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.35 742.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 135.13 742.10 Td (present ) Tj ET Q q 0 0 0 rg BT 166.47 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 190.04 742.10 Td (individually ) Tj ET Q q 0 0 0 rg BT 240.83 742.10 Td (evaluated ) Tj ET Q q 0 0 0 rg BT 281.59 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 295.71 742.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 344.27 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 356.73 742.10 Td (class ) Tj ET Q q 0 0 0 rg BT 378.63 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 389.41 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 415.48 742.10 Td (excluding ) Tj ET Q q 0 0 0 rg BT 457.37 742.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 500.37 742.10 Td (credit-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 76.11 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 86.94 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 97.77 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 156.35 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.35 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 178.85 730.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.79 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.79 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 218.29 730.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 231.90 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 646.60 183.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 646.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 646.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 646.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 646.60 50.00 -14.00 re f /GS0 gs 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 354.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 354.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 354.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 354.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 354.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 354.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 326.60 183.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 326.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 326.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 326.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 326.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 326.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 326.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 326.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 298.60 183.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 298.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 298.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 298.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 395.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 298.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 298.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 298.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 298.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 270.60 183.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 233.50 270.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 270.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 287.50 270.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 270.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 341.50 270.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 270.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 214.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 214.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 214.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 214.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 214.60 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 237.5 695.6 m 287.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 695.6 m 291.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 695.6 m 341.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 695.6 m 345.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 695.6 m 395.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 695.6 m 399.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 695.6 m 454.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 695.6 m 458.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 695.6 m 508.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 695.6 m 512.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 695.6 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 237.5 646.6 m 287.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 646.6 m 341.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 646.6 m 395.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 646.6 m 454.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 646.6 m 508.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 646.6 m 562.5 646.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 214.60000000000002 m 287.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 214.60000000000002 m 341.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 214.60000000000002 m 395.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 214.60000000000002 m 454.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 214.60000000000002 m 508.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 214.60000000000002 m 562.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 214.60000000000002 m 287.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 201.60000000000002 m 287.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 199.60000000000002 m 287.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 214.60000000000002 m 341.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 201.60000000000002 m 341.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 199.60000000000002 m 341.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 214.60000000000002 m 395.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 201.60000000000002 m 395.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 199.60000000000002 m 395.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 214.60000000000002 m 454.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 201.60000000000002 m 454.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 199.60000000000002 m 454.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 214.60000000000002 m 508.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 201.60000000000002 m 508.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 199.60000000000002 m 508.5 199.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 214.60000000000002 m 562.5 214.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 201.60000000000002 m 562.5 201.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 199.60000000000002 m 562.5 199.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 699.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.25 699.68 Td (December 31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 666.83 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 246.20 658.83 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.40 650.83 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.55 658.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.85 650.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.20 658.83 Td (Partial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 349.75 650.83 Td (Charge-offs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.65 674.83 Td (Allowancefor) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.15 666.83 Td (Loan and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.60 658.83 Td (LeaseLosses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.25 650.83 Td (Allocated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.05 666.83 Td (Average) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.55 658.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.85 650.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.70 666.83 Td (Interest) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.30 658.83 Td (Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 517.40 650.83 Td (Recognized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 636.85 Td (With no related allowance recorded:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 636.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 622.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 622.85 Td (9,056) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 622.85 Td (9,056) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 622.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 622.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 622.85 Td (5,944) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 622.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 622.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 610.55 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 602.55 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 602.85 Td (1,129) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 602.85 Td (747) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 602.85 Td (382) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 602.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 602.85 Td (1,045) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 602.85 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 588.85 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 588.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 574.85 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 574.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 560.85 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 560.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 560.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 560.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 560.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 560.85 Td (402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 560.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 546.85 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 546.85 Td (1,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 546.85 Td (1,922) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 546.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 546.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 546.85 Td (2,348) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 546.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 532.85 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 532.85 Td (2,670) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 532.85 Td (929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 532.85 Td (1,741) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 532.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 532.85 Td (2,165) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 532.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 518.85 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 518.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 518.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 518.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 518.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 518.85 Td (256) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 518.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 504.85 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 504.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 504.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 504.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 504.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 504.85 Td (60) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 504.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 490.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 490.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 476.85 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 476.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 462.85 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 462.85 Td (223) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 462.85 Td (122) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 462.85 Td (101) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 462.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 462.85 Td (252) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 462.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 448.85 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 448.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 448.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 448.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 448.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 448.85 Td (143) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 448.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 434.85 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 434.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 420.85 Td (With an allowance recorded:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 420.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 406.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 406.85 Td (14,403) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 406.85 Td (14,403) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 406.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 406.85 Td (2,889) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 406.85 Td (22,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 406.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 394.55 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 386.55 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 386.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 386.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 386.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 386.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 386.85 Td (2,397) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 386.85 Td (18) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 372.85 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 372.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 358.85 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 358.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 344.85 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 344.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 330.85 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 330.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 316.85 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 316.85 Td (3,592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 316.85 Td (3,592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 316.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 316.85 Td (354) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 316.85 Td (6,827) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 316.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 302.85 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 302.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 302.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 302.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 302.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 302.85 Td (745) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 302.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 288.85 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 288.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 288.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 288.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 288.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 288.85 Td (235) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 288.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 274.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 274.85 Td (16,257) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 274.85 Td (14,353) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 274.85 Td (1,904) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 274.85 Td (2,163) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 274.85 Td (13,412) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 274.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 260.85 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 260.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 246.85 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 246.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 232.85 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 232.85 Td (31,104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 232.85 Td (28,790) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 232.85 Td (2,314) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 232.85 Td (2,930) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 232.85 Td (28,677) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 232.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 218.85 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 218.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 204.85 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.00 204.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 204.85 Td (80,356) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.00 204.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 204.85 Td (73,914) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 204.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 204.85 Td (6,442) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.00 204.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 204.85 Td (8,336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 204.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 204.85 Td (87,645) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 204.85 Td ($) Tj ET Q BT 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/GS0 gs 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 736.5 m 287.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 287.5 736.5 m 291.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 736.5 m 341.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 341.5 736.5 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 345.5 736.5 m 395.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 395.5 736.5 m 399.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 736.5 m 454.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 736.5 m 458.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 736.5 m 508.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 736.5 m 512.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 736.5 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 237.5 697.5 m 287.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 697.5 m 341.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 697.5 m 395.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 697.5 m 454.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 736.5 m 508.5 736.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 697.5 m 508.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 736.5 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 512.5 697.5 m 562.5 697.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 265.5 m 287.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 265.5 m 287.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 252.5 m 287.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 237.5 250.5 m 287.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 265.5 m 341.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 252.5 m 341.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 291.5 250.5 m 341.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 265.5 m 395.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 252.5 m 395.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 345.5 250.5 m 395.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 265.5 m 454.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 252.5 m 454.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 399.5 250.5 m 454.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 265.5 m 508.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 252.5 m 508.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 458.5 250.5 m 508.5 250.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 265.5 m 562.5 265.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 252.5 m 562.5 252.5 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 250.5 m 562.5 250.5 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 740.58 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.25 740.58 Td (December31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 249.30 717.73 Td (Unpaid) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 246.20 709.73 Td (Principal) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 248.40 701.73 Td (Balance) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 299.55 709.73 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 296.85 701.73 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 358.20 709.73 Td (Partial) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 349.75 701.73 Td (Charge-offs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 402.65 725.73 Td (Allowancefor) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.15 717.73 Td (Loan and) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.60 709.73 Td (LeaseLosses) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 410.25 701.73 Td (Allocated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.05 717.73 Td (Average) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.55 709.73 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 463.85 701.73 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 523.70 717.73 Td (Interest) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 524.30 709.73 Td (Income) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 517.40 701.73 Td (Recognized) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 687.75 Td (With no related allowance recorded:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 687.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 687.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 687.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 687.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 673.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 673.75 Td (11,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 673.75 Td (11,253) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 673.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 673.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 673.75 Td (6,628) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 673.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 673.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 661.45 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 653.45 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 653.75 Td (3,453) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 653.75 Td (2,949) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 653.75 Td (504) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 653.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 653.75 Td (1,035) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 653.75 Td (54) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 639.75 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 639.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 625.75 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 625.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 611.75 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 611.75 Td (820) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 611.75 Td (757) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 611.75 Td (63) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 611.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 611.75 Td (3,467) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 611.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 597.75 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 597.75 Td (575) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 597.75 Td (575) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 597.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 597.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 597.75 Td (1,540) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 597.75 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 583.75 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 583.75 Td (7,872) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 583.75 Td (6,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 583.75 Td (1,741) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 583.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 583.75 Td (2,768) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 583.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 569.75 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 569.75 Td (1,608) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 569.75 Td (1,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 569.75 Td (577) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 569.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 569.75 Td (1,663) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 569.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 555.75 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 555.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 555.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 555.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 555.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 555.75 Td (965) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 555.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 541.75 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 541.75 Td (970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 541.75 Td (970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 541.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 541.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 541.75 Td (717) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 541.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 527.75 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 527.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 513.75 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 513.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 499.75 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 499.75 Td (927) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 499.75 Td (927) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 499.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 499.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 499.75 Td (1,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 499.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 485.75 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 485.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 471.75 Td (With an allowance recorded:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 471.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 457.75 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 457.75 Td (23,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 457.75 Td (23,394) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 457.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 457.75 Td (7,523) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 457.75 Td (18,820) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 457.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 445.45 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 437.45 Td (payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 437.75 Td (3,297) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 437.75 Td (3,297) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 437.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 437.75 Td (1,790) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 437.75 Td (4,013) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 437.75 Td (104) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 423.75 Td (Commercial real estate:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 284.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 392.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 423.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 409.75 Td (Healthcare) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 409.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 395.75 Td (Industrial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 395.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 395.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 395.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 395.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 395.75 Td (228) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 395.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 381.75 Td (Multifamily) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 381.75 Td (2,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 381.75 Td (2,155) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 381.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 381.75 Td (17) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 381.75 Td (3,307) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 381.75 Td (27) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 367.75 Td (Retail) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 367.75 Td (16,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 367.75 Td (16,034) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 367.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 367.75 Td (4,926) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 367.75 Td (8,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 367.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 353.75 Td (Office) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 266.25 353.75 Td (2,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.25 353.75 Td (2,929) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 353.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 353.75 Td (1,717) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 353.75 Td (2,457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 353.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 339.75 Td (Other) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 339.75 Td (592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 339.75 Td (592) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 339.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 339.75 Td (199) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 339.75 Td (9,629) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 339.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 325.75 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 325.75 Td (12,950) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 325.75 Td (12,769) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 325.75 Td (181) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 325.75 Td (2,634) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 325.75 Td (13,484) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 325.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 311.75 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 311.75 Td (214) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 311.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 297.75 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 272.30 297.75 Td (119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 326.30 297.75 Td (119) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 297.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 297.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 297.75 Td (287) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 297.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 283.75 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 283.75 Td (28,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 283.75 Td (28,583) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 380.30 283.75 Td (113) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 433.30 283.75 Td (3,131) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 483.25 283.75 Td (27,747) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 283.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 269.75 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 276.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 330.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 384.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 269.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 83.00 255.75 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 240.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.25 255.75 Td (117,644) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.25 255.75 Td (114,465) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 374.25 255.75 Td (3,179) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 402.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.30 255.75 Td (21,937) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 255.75 Td (108,854) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 255.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 255.75 Td (202) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 240.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.00 Td (A) Tj ET Q q 0 0 0 rg BT 56.48 228.00 Td (verage ) Tj ET Q q 0 0 0 rg BT 85.84 228.00 Td (impaired ) Tj ET Q q 0 0 0 rg BT 124.10 228.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 147.93 228.00 Td (for ) Tj ET Q q 0 0 0 rg BT 162.31 228.00 Td (the ) Tj ET Q q 0 0 0 rg BT 177.25 228.00 Td (years ) Tj ET Q q 0 0 0 rg BT 201.06 228.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.66 228.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 286.46 228.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.46 228.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.68 228.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.68 228.00 Td ( ) Tj ET Q q 0 0 0 rg BT 334.40 228.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.56 228.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.56 228.00 Td ( ) Tj ET Q q 0 0 0 rg BT 374.28 228.00 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.42 228.00 Td ($87.6million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.31 228.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 455.53 228.00 Td ($108.9 ) Tj ET Q q 0 0 0 rg BT 485.75 228.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.64 228.00 Td ( ) Tj ET Q q 0 0 0 rg BT 517.36 228.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 534.52 228.00 Td ($126.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 216.00 Td (, ) Tj ET Q q 0 0 0 rg BT 83.65 216.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 131.31 216.00 Td (. ) Tj ET Q q 0 0 0 rg BT 138.56 216.00 Td (Interest ) Tj ET Q q 0 0 0 rg BT 170.80 216.00 Td (income ) Tj ET Q q 0 0 0 rg BT 202.49 216.00 Td (recognized ) Tj ET Q q 0 0 0 rg BT 248.61 216.00 Td (on ) Tj ET Q q 0 0 0 rg BT 260.86 216.00 Td (impaired ) Tj ET Q q 0 0 0 rg BT 298.66 216.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 322.02 216.00 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.83 216.00 Td ($52 ) Tj ET Q q 0 0 0 rg BT 357.08 216.00 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.19 216.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 397.95 216.00 Td ($202 ) Tj ET Q q 0 0 0 rg BT 420.20 216.00 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.31 216.00 Td ( ) Tj ET Q q 0 0 0 rg BT 458.57 216.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.26 216.00 Td ($407 ) Tj ET Q q 0 0 0 rg BT 497.51 216.00 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.62 216.00 Td ( ) Tj ET Q q 0 0 0 rg BT 535.88 216.00 Td (for ) Tj ET Q q 0 0 0 rg BT 549.79 216.00 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 204.00 Td (years ) Tj ET Q q 0 0 0 rg BT 73.60 204.00 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.98 204.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 158.56 204.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.56 204.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 183.56 204.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.56 204.00 Td ( ) Tj ET Q q 0 0 0 rg BT 206.06 204.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.00 204.00 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.00 204.00 Td (, ) Tj ET Q q 0 0 0 rg BT 248.00 204.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 295.66 204.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 192.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 180.00 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 89.73 180.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 114.48 180.00 Td (as ) Tj ET Q q 0 0 0 rg BT 126.45 180.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.41 180.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 198.13 180.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.13 180.00 Td ( ) Tj ET Q q 0 0 0 rg BT 221.77 180.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.85 180.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 259.85 180.00 Td ( ) Tj ET Q q 0 0 0 rg BT 263.49 180.00 Td (included ) Tj ET Q q 0 0 0 rg BT 301.56 180.00 Td (accruing ) Tj ET Q q 0 0 0 rg BT 339.62 180.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 391.01 180.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 415.76 180.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.72 180.00 Td ($32.7 ) Tj ET Q q 0 0 0 rg BT 453.86 180.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.75 180.00 Td ( ) Tj ET Q q 0 0 0 rg BT 486.39 180.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.47 180.00 Td ($27.0 ) Tj ET Q q 0 0 0 rg BT 530.61 180.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.50 180.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 168.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 168.00 Td (, ) Tj ET Q q 0 0 0 rg BT 102.27 168.00 Td (that ) Tj ET Q q 0 0 0 rg BT 119.37 168.00 Td (have ) Tj ET Q q 0 0 0 rg BT 140.36 168.00 Td (been ) Tj ET Q q 0 0 0 rg BT 161.34 168.00 Td (modified ) Tj ET Q q 0 0 0 rg BT 199.56 168.00 Td (and ) Tj ET Q q 0 0 0 rg BT 216.10 168.00 Td (were ) Tj ET Q q 0 0 0 rg BT 237.64 168.00 Td (performing ) Tj ET Q q 0 0 0 rg BT 284.73 168.00 Td (in ) Tj ET Q q 0 0 0 rg BT 294.62 168.00 Td (accordance ) Tj ET Q q 0 0 0 rg BT 341.69 168.00 Td (with ) Tj ET Q q 0 0 0 rg BT 361.58 168.00 Td (their ) Tj ET Q q 0 0 0 rg BT 382.01 168.00 Td (modified ) Tj ET Q q 0 0 0 rg BT 420.22 168.00 Td (terms ) Tj ET Q q 0 0 0 rg BT 444.55 168.00 Td (as ) Tj ET Q q 0 0 0 rg BT 454.99 168.00 Td (of ) Tj ET Q q 0 0 0 rg BT 465.42 168.00 Td (those ) Tj ET Q q 0 0 0 rg BT 488.64 168.00 Td (dates. ) Tj ET Q q 0 0 0 rg BT 516.30 168.00 Td (In ) Tj ET Q q 0 0 0 rg BT 526.73 168.00 Td (addition, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 156.00 Td (impaired ) Tj ET Q q 0 0 0 rg BT 87.51 156.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 110.59 156.00 Td (as ) Tj ET Q q 0 0 0 rg BT 120.90 156.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.20 156.00 Td (December31, ) Tj ET Q q 0 0 0 rg BT 189.25 156.00 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.25 156.00 Td ( ) Tj ET Q q 0 0 0 rg BT 211.22 156.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 227.63 156.00 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.63 156.00 Td ( ) Tj ET Q q 0 0 0 rg BT 249.61 156.00 Td (included ) Tj ET Q q 0 0 0 rg BT 286.01 156.00 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 351.30 156.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 401.02 156.00 Td (loans ) Tj ET Q q 0 0 0 rg BT 424.10 156.00 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.41 156.00 Td ($27.1 ) Tj ET Q q 0 0 0 rg BT 458.88 156.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.77 156.00 Td ( ) Tj ET Q q 0 0 0 rg BT 489.74 156.00 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.15 156.00 Td ($23.6 ) Tj ET Q q 0 0 0 rg BT 530.62 156.00 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.51 156.00 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 144.00 Td (respectively) Tj ET Q q 0 0 0 rg BT 97.66 144.00 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.00 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.00 Td (Loans ) Tj ET Q q 0 0 0 rg BT 76.21 120.00 Td (may ) Tj ET Q q 0 0 0 rg BT 95.20 120.00 Td (be ) Tj ET Q q 0 0 0 rg BT 106.41 120.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 155.94 120.00 Td (in ) Tj ET Q q 0 0 0 rg BT 165.49 120.00 Td (an ) Tj ET Q q 0 0 0 rg BT 176.70 120.00 Td (ef) Tj ET Q q 0 0 0 rg BT 184.29 120.00 Td (fort ) Tj ET Q q 0 0 0 rg BT 200.50 120.00 Td (to ) Tj ET Q q 0 0 0 rg BT 210.05 120.00 Td (maximize ) Tj ET Q q 0 0 0 rg BT 251.25 120.00 Td (collections ) Tj ET Q q 0 0 0 rg BT 296.34 120.00 Td (from ) Tj ET Q q 0 0 0 rg BT 317.55 120.00 Td (financially ) Tj ET Q q 0 0 0 rg BT 362.08 120.00 Td (distressed ) Tj ET Q q 0 0 0 rg BT 403.30 120.00 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 448.11 120.00 Td ( ) Tj ET Q q 0 0 0 rg BT 449.75 120.00 Td (W) Tj ET Q q 0 0 0 rg BT 458.39 120.00 Td (e ) Tj ET Q q 0 0 0 rg BT 464.60 120.00 Td (use ) Tj ET Q q 0 0 0 rg BT 479.71 120.00 Td (various ) Tj ET Q q 0 0 0 rg BT 510.92 120.00 Td (restructuring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.00 Td (techniques, ) Tj ET Q q 0 0 0 rg BT 97.69 108.00 Td (including, ) Tj ET Q q 0 0 0 rg BT 140.39 108.00 Td (but ) Tj ET Q q 0 0 0 rg BT 155.60 108.00 Td (not ) Tj ET Q q 0 0 0 rg BT 170.81 108.00 Td (limited ) Tj ET Q q 0 0 0 rg BT 201.56 108.00 Td (to, ) Tj ET Q q 0 0 0 rg BT 214.27 108.00 Td (deferring ) Tj ET Q q 0 0 0 rg BT 253.35 108.00 Td (past ) Tj ET Q q 0 0 0 rg BT 271.88 108.00 Td (due ) Tj ET Q q 0 0 0 rg BT 288.75 108.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 320.61 108.00 Td (or ) Tj ET Q q 0 0 0 rg BT 331.37 108.00 Td (principal, ) Tj ET Q q 0 0 0 rg BT 371.84 108.00 Td (implementing ) Tj ET Q q 0 0 0 rg BT 429.81 108.00 Td (an ) Tj ET Q q 0 0 0 rg BT 441.14 108.00 Td (A/B ) Tj ET Q q 0 0 0 rg BT 460.24 108.00 Td (note ) Tj ET Q q 0 0 0 rg BT 479.89 108.00 Td (structure, ) Tj ET Q q 0 0 0 rg BT 519.80 108.00 Td (redeeming ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 96.00 Td (past ) Tj ET Q q 0 0 0 rg BT 68.86 96.00 Td (due ) Tj ET Q q 0 0 0 rg BT 86.06 96.00 Td (taxes, ) Tj ET Q q 0 0 0 rg BT 111.86 96.00 Td (reducing ) Tj ET Q q 0 0 0 rg BT 149.60 96.00 Td (interest ) Tj ET Q q 0 0 0 rg BT 181.79 96.00 Td (rates, ) Tj ET Q q 0 0 0 rg BT 205.92 96.00 Td (extending ) Tj ET Q q 0 0 0 rg BT 248.11 96.00 Td (maturities ) Tj ET Q q 0 0 0 rg BT 290.86 96.00 Td (and ) Tj ET Q q 0 0 0 rg BT 308.05 96.00 Td (modifying ) Tj ET Q q 0 0 0 rg BT 352.47 96.00 Td (amortization ) Tj ET Q q 0 0 0 rg BT 405.76 96.00 Td (schedules. ) Tj ET Q q 0 0 0 rg BT 449.90 96.00 Td (Residential ) Tj ET Q q 0 0 0 rg BT 497.64 96.00 Td (real ) Tj ET Q q 0 0 0 rg BT 515.38 96.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 540.90 96.00 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 84.00 Td (are ) Tj ET Q q 0 0 0 rg BT 65.19 84.00 Td (restructured ) Tj ET Q q 0 0 0 rg BT 115.93 84.00 Td (in ) Tj ET Q q 0 0 0 rg BT 126.69 84.00 Td (an ) Tj ET Q q 0 0 0 rg BT 139.12 84.00 Td (ef) Tj ET Q q 0 0 0 rg BT 146.71 84.00 Td (fort ) Tj ET Q q 0 0 0 rg BT 164.13 84.00 Td (to ) Tj ET Q q 0 0 0 rg BT 174.89 84.00 Td (minimize ) Tj ET Q q 0 0 0 rg BT 215.65 84.00 Td (losses ) Tj ET Q q 0 0 0 rg BT 242.52 84.00 Td (while ) Tj ET Q q 0 0 0 rg BT 267.72 84.00 Td (allowing ) Tj ET Q q 0 0 0 rg BT 305.70 84.00 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 349.23 84.00 Td (to ) Tj ET Q q 0 0 0 rg BT 359.99 84.00 Td (remain ) Tj ET Q q 0 0 0 rg BT 390.74 84.00 Td (in ) Tj ET Q q 0 0 0 rg BT 401.50 84.00 Td (their ) Tj ET Q q 0 0 0 rg BT 422.81 84.00 Td (primary ) Tj ET Q q 0 0 0 rg BT 457.46 84.00 Td (residences ) Tj ET Q q 0 0 0 rg BT 502.09 84.00 Td (when ) Tj ET Q q 0 0 0 rg BT 526.73 84.00 Td (possible. ) Tj ET Q q 0 0 0 rg BT 564.51 84.00 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 72.00 Td (Programs ) Tj ET Q q 0 0 0 rg BT 92.52 72.00 Td (that ) Tj ET Q q 0 0 0 rg BT 111.71 72.00 Td (we ) Tj ET Q q 0 0 0 rg BT 127.56 72.00 Td (of) Tj ET Q q 0 0 0 rg BT 135.71 72.00 Td (fer ) Tj ET Q q 0 0 0 rg BT 151.00 72.00 Td (to ) Tj ET Q q 0 0 0 rg BT 162.97 72.00 Td (residential ) Tj ET Q q 0 0 0 rg BT 208.82 72.00 Td (real ) Tj ET Q q 0 0 0 rg BT 227.99 72.00 Td (estate ) Tj ET Q q 0 0 0 rg BT 254.95 72.00 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 299.68 72.00 Td (include ) Tj ET Q q 0 0 0 rg BT 333.31 72.00 Td (the ) Tj ET Q q 0 0 0 rg BT 349.72 72.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 377.43 72.00 Td (Af) Tj ET Q q 0 0 0 rg BT 387.80 72.00 Td (fordable ) Tj ET Q q 0 0 0 rg BT 425.30 72.00 Td (Refinance ) Tj ET Q q 0 0 0 rg BT 470.03 72.00 Td (Program ) Tj ET Q q 0 0 0 rg BT 508.66 72.00 Td (\(HARP\), ) Tj ET Q q 0 0 0 rg BT 557.56 72.00 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 60.00 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 103.11 60.00 Td (program ) Tj ET Q q 0 0 0 rg BT 139.01 60.00 Td (similar ) Tj ET Q q 0 0 0 rg BT 168.80 60.00 Td (to ) Tj ET Q q 0 0 0 rg BT 178.59 60.00 Td (the ) Tj ET Q q 0 0 0 rg BT 192.83 60.00 Td (Home ) Tj ET Q q 0 0 0 rg BT 218.84 60.00 Td (Af) Tj ET Q q 0 0 0 rg BT 229.21 60.00 Td (fordable ) Tj ET Q q 0 0 0 rg BT 264.54 60.00 Td (Modification ) Tj ET Q q 0 0 0 rg BT 318.77 60.00 Td (Program ) Tj ET Q q 0 0 0 rg BT 355.23 60.00 Td (\(HAMP\) ) Tj ET Q q 0 0 0 rg BT 401.68 60.00 Td (for ) Tj ET Q q 0 0 0 rg BT 415.36 60.00 Td (first ) Tj ET Q q 0 0 0 rg BT 433.49 60.00 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 473.27 60.00 Td (borrowers, ) Tj ET Q q 0 0 0 rg BT 518.33 60.00 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 60.00 Td (Second ) Tj ET Q endstream endobj 213 0 obj <> endobj 214 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Lien ) Tj ET Q q 0 0 0 rg BT 70.16 742.10 Td (Modification ) Tj ET Q q 0 0 0 rg BT 124.21 742.10 Td (Program ) Tj ET Q q 0 0 0 rg BT 160.48 742.10 Td (\(2MP\) ) Tj ET Q q 0 0 0 rg BT 197.31 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 213.58 742.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 243.19 742.10 Td (programs ) Tj ET Q q 0 0 0 rg BT 282.79 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 296.29 742.10 Td (home ) Tj ET Q q 0 0 0 rg BT 320.34 742.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 347.17 742.10 Td (borrowers ) Tj ET Q q 0 0 0 rg BT 389.54 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 399.16 742.10 Td (keeping ) Tj ET Q q 0 0 0 rg BT 432.65 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 452.26 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 466.31 742.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 519.24 742.10 Td (techniques ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 90.83 730.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Periodically) Tj ET Q q 0 0 0 rg BT 97.67 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 102.58 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.21 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 158.50 706.10 Td (will ) Tj ET Q q 0 0 0 rg BT 176.47 706.10 Td (restructure ) Tj ET Q q 0 0 0 rg BT 221.63 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 228.48 706.10 Td (note ) Tj ET Q q 0 0 0 rg BT 248.10 706.10 Td (into ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 266.07 706.10 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.07 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 283.48 706.10 Td (separate ) Tj ET Q q 0 0 0 rg BT 318.64 706.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 342.15 706.10 Td (\(A/B ) Tj ET Q q 0 0 0 rg BT 364.56 706.10 Td (structure\), ) Tj ET Q q 0 0 0 rg BT 407.79 706.10 Td (char) Tj ET Q q 0 0 0 rg BT 424.81 706.10 Td (ging ) Tj ET Q q 0 0 0 rg BT 445.00 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 453.15 706.10 Td (f ) Tj ET Q q 0 0 0 rg BT 458.89 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.51 706.10 Td (entire ) Tj ET Q q 0 0 0 rg BT 498.69 706.10 Td (B ) Tj ET Q q 0 0 0 rg BT 507.77 706.10 Td (portion ) Tj ET Q q 0 0 0 rg BT 539.06 706.10 Td (of ) 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 (note. ) Tj ET Q q 0 0 0 rg BT 72.25 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 74.60 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 92.12 694.10 Td (A) Tj ET Q q 0 0 0 rg BT 98.79 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.32 694.10 Td (note ) Tj ET Q q 0 0 0 rg BT 121.07 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 130.28 694.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 172.80 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 193.11 694.10 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 241.17 694.10 Td (loan-to-value ) Tj ET Q q 0 0 0 rg BT 297.02 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 313.99 694.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 334.29 694.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 355.15 694.10 Td (coverage ) Tj ET Q q 0 0 0 rg BT 393.77 694.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 418.52 694.10 Td (that ) Tj ET Q q 0 0 0 rg BT 436.05 694.10 Td (provide ) Tj ET Q q 0 0 0 rg BT 469.13 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 483.32 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 490.29 694.10 Td (high ) Tj ET Q q 0 0 0 rg BT 510.61 694.10 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 553.69 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (repayment. ) Tj ET Q q 0 0 0 rg BT 97.09 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 99.31 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 116.71 682.10 Td (A) Tj ET Q q 0 0 0 rg BT 123.38 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 125.77 682.10 Td (note ) Tj ET Q q 0 0 0 rg BT 145.38 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 154.43 682.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 194.58 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 205.30 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 212.13 682.10 Td (non-performing ) Tj ET Q q 0 0 0 rg BT 277.83 682.10 Td (note ) Tj ET Q q 0 0 0 rg BT 297.44 682.10 Td (until ) Tj ET Q q 0 0 0 rg BT 318.16 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 332.76 682.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 371.80 682.10 Td (has ) Tj ET Q q 0 0 0 rg BT 387.52 682.10 Td (displayed ) Tj ET Q q 0 0 0 rg BT 428.23 682.10 Td (a ) Tj ET Q q 0 0 0 rg BT 435.06 682.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 474.66 682.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 511.48 682.10 Td (performance ) 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 63.51 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 69.79 670.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 114.39 670.10 Td (time ) Tj ET Q q 0 0 0 rg BT 134.01 670.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 155.29 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 164.92 670.10 Td (and ) Tj ET Q q 0 0 0 rg BT 181.20 670.10 Td (subsequent ) Tj ET Q q 0 0 0 rg BT 227.49 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 237.11 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 251.17 670.10 Td (restructuring. ) Tj ET Q q 0 0 0 rg BT 306.61 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 308.05 670.10 Td (A) Tj ET Q q 0 0 0 rg BT 314.72 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 316.57 670.10 Td (period ) Tj ET Q q 0 0 0 rg BT 343.96 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 354.13 670.10 Td (sustained ) Tj ET Q q 0 0 0 rg BT 393.20 670.10 Td (repayment ) Tj ET Q q 0 0 0 rg BT 437.24 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 450.75 670.10 Td (at ) Tj ET Q q 0 0 0 rg BT 459.81 670.10 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.98 670.10 Td (six) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.65 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 493.50 670.10 Td (months ) Tj ET Q q 0 0 0 rg BT 524.79 670.10 Td (generally ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 58.16 658.10 Td (required ) Tj ET Q q 0 0 0 rg BT 92.97 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.24 658.10 Td (return ) Tj ET Q q 0 0 0 rg BT 127.60 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 141.31 658.10 Td (note ) Tj ET Q q 0 0 0 rg BT 160.02 658.10 Td (to ) Tj ET Q q 0 0 0 rg BT 169.29 658.10 Td (accrual ) Tj ET Q q 0 0 0 rg BT 199.64 658.10 Td (status ) Tj ET Q q 0 0 0 rg BT 223.91 658.10 Td (provided ) Tj ET Q q 0 0 0 rg BT 260.95 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 277.43 658.10 Td (management ) Tj ET Q q 0 0 0 rg BT 330.01 658.10 Td (has ) Tj ET Q q 0 0 0 rg BT 344.83 658.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 391.30 658.10 Td (that ) Tj ET Q q 0 0 0 rg BT 407.79 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.50 658.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 473.51 658.10 Td (is ) Tj ET Q q 0 0 0 rg BT 481.67 658.10 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 526.48 658.10 Td (expected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.16 646.10 Td (continue. ) Tj ET Q q 0 0 0 rg BT 99.47 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.68 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 119.08 646.10 Td (A) Tj ET Q q 0 0 0 rg BT 125.75 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 128.13 646.10 Td (note ) Tj ET Q q 0 0 0 rg BT 147.73 646.10 Td (will ) Tj ET Q q 0 0 0 rg BT 165.67 646.10 Td (be ) Tj ET Q q 0 0 0 rg BT 177.49 646.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 217.63 646.10 Td (as ) Tj ET Q q 0 0 0 rg BT 228.34 646.10 Td (a ) Tj ET Q q 0 0 0 rg BT 235.16 646.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 285.29 646.10 Td (note ) Tj ET Q q 0 0 0 rg BT 304.89 646.10 Td (\(either ) Tj ET Q q 0 0 0 rg BT 333.37 646.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 380.73 646.10 Td (or ) Tj ET Q q 0 0 0 rg BT 391.44 646.10 Td (non-performing\) ) Tj ET Q q 0 0 0 rg BT 460.47 646.10 Td (through ) Tj ET Q q 0 0 0 rg BT 493.96 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.55 646.10 Td (calendar ) Tj ET Q q 0 0 0 rg BT 544.80 646.10 Td (year ) 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 60.66 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.21 634.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 128.64 634.10 Td (that ) Tj ET Q q 0 0 0 rg BT 145.97 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.52 634.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 200.07 634.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 236.84 634.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 289.69 634.10 Td (has ) Tj ET Q q 0 0 0 rg BT 305.36 634.10 Td (been ) Tj ET Q q 0 0 0 rg BT 326.57 634.10 Td (established. ) Tj ET Q q 0 0 0 rg BT 375.83 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.65 634.10 Td (As ) Tj ET Q q 0 0 0 rg BT 391.10 634.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.77 634.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 460.18 634.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.18 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 482.52 634.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.29 634.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.29 634.10 Td (, ) Tj ET Q q 0 0 0 rg BT 524.12 634.10 Td (there ) Tj ET Q q 0 0 0 rg BT 546.44 634.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.44 622.10 Td ( ) Tj ET Q q 0 0 0 rg BT 66.95 622.10 Td (A/B ) Tj ET Q q 0 0 0 rg BT 86.83 622.10 Td (structure ) Tj ET Q q 0 0 0 rg BT 125.04 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 146.03 622.10 Td (a ) Tj ET Q q 0 0 0 rg BT 153.69 622.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 191.88 622.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 238.98 622.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 250.53 622.10 Td ($929 ) Tj ET Q q 0 0 0 rg BT 273.75 622.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.86 622.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 330.01 622.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 350.73 622.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.62 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 385.34 622.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 433.00 622.10 Td (, ) Tj ET Q q 0 0 0 rg BT 438.72 622.10 Td (which ) Tj ET Q q 0 0 0 rg BT 466.38 622.10 Td (is ) Tj ET Q q 0 0 0 rg BT 476.26 622.10 Td (included ) Tj ET Q q 0 0 0 rg BT 513.91 622.10 Td (above ) Tj ET Q q 0 0 0 rg BT 541.01 622.10 Td (as ) Tj ET Q q 0 0 0 rg BT 552.56 622.10 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 86.92 610.10 Td (restructured ) Tj ET Q q 0 0 0 rg BT 137.18 610.10 Td (loan.) 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 56.67 586.10 Td ( ) Tj ET Q q 0 0 0 rg BT 59.42 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 79.38 586.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 119.89 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 130.96 586.10 Td (a ) Tj ET Q q 0 0 0 rg BT 138.15 586.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 174.22 586.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 194.18 586.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 248.02 586.10 Td (will ) Tj ET Q q 0 0 0 rg BT 266.32 586.10 Td (no ) Tj ET Q q 0 0 0 rg BT 279.07 586.10 Td (longer ) Tj ET Q q 0 0 0 rg BT 307.36 586.10 Td (be ) Tj ET Q q 0 0 0 rg BT 319.54 586.10 Td (included ) Tj ET Q q 0 0 0 rg BT 356.72 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 367.25 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.21 586.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 418.28 586.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 438.24 586.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 492.08 586.10 Td (disclosures ) Tj ET Q q 0 0 0 rg BT 539.27 586.10 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 586.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (years ) Tj ET Q q 0 0 0 rg BT 73.99 574.10 Td (after ) Tj ET Q q 0 0 0 rg BT 95.20 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.31 574.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 164.30 574.10 Td (if ) Tj ET Q q 0 0 0 rg BT 173.31 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.42 574.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 208.53 574.10 Td (performs ) Tj ET Q q 0 0 0 rg BT 247.52 574.10 Td (in ) Tj ET Q q 0 0 0 rg BT 258.19 574.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 306.05 574.10 Td (with ) Tj ET Q q 0 0 0 rg BT 326.72 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 341.83 574.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 366.95 574.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 405.93 574.10 Td (by ) Tj ET Q q 0 0 0 rg BT 418.83 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 433.94 574.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 487.93 574.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 532.46 574.10 Td (and ) 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 (interest ) Tj ET Q q 0 0 0 rg BT 82.12 562.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.79 562.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 138.57 562.10 Td (in ) Tj ET Q q 0 0 0 rg BT 149.03 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.94 562.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 217.71 562.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 262.04 562.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 305.26 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 312.39 562.10 Td (market ) Tj ET Q q 0 0 0 rg BT 342.84 562.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 360.51 562.10 Td (at ) Tj ET Q q 0 0 0 rg BT 370.41 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 385.31 562.10 Td (time ) Tj ET Q q 0 0 0 rg BT 405.77 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 416.79 562.10 Td (modification. ) Tj ET Q q 0 0 0 rg BT 473.07 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 475.56 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 493.80 562.10 Td (specified ) Tj ET Q q 0 0 0 rg BT 532.57 562.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.63 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 76.94 550.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 122.90 550.10 Td (a ) Tj ET Q q 0 0 0 rg BT 129.99 550.10 Td (market ) Tj ET Q q 0 0 0 rg BT 160.39 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 178.02 550.10 Td (when ) Tj ET Q q 0 0 0 rg BT 202.33 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.19 550.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 249.27 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 266.89 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 276.21 550.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 300.51 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 310.93 550.10 Td (or ) Tj ET Q q 0 0 0 rg BT 321.90 550.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 352.30 550.10 Td (than ) Tj ET Q q 0 0 0 rg BT 372.16 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 387.02 550.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 404.65 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 419.51 550.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 461.04 550.10 Td (is ) Tj ET Q q 0 0 0 rg BT 470.36 550.10 Td (willing ) Tj ET Q q 0 0 0 rg BT 501.34 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 511.76 550.10 Td (accept ) Tj ET Q q 0 0 0 rg BT 539.94 550.10 Td (at ) Tj ET Q q 0 0 0 rg BT 549.80 550.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (time ) Tj ET Q q 0 0 0 rg BT 70.72 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.00 538.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 136.05 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.66 538.10 Td (a ) Tj ET Q q 0 0 0 rg BT 158.05 538.10 Td (new ) Tj ET Q q 0 0 0 rg BT 177.66 538.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 197.83 538.10 Td (with ) Tj ET Q q 0 0 0 rg BT 218.56 538.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 268.15 538.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 288.60 538.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.55 538.10 Td (If ) Tj ET Q q 0 0 0 rg BT 301.16 538.10 Td (there ) Tj ET Q q 0 0 0 rg BT 324.10 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 339.25 538.10 Td (concerns ) Tj ET Q q 0 0 0 rg BT 377.74 538.10 Td (that ) Tj ET Q q 0 0 0 rg BT 395.69 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.85 538.10 Td (borrower ) Tj ET Q q 0 0 0 rg BT 450.46 538.10 Td (will ) Tj ET Q q 0 0 0 rg BT 468.96 538.10 Td (not ) Tj ET Q q 0 0 0 rg BT 484.69 538.10 Td (be ) Tj ET Q q 0 0 0 rg BT 497.08 538.10 Td (able ) Tj ET Q q 0 0 0 rg BT 516.69 538.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.42 538.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 549.80 538.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (modified ) Tj ET Q q 0 0 0 rg BT 88.60 526.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 113.32 526.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.15 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.87 526.10 Td (loan, ) Tj ET Q q 0 0 0 rg BT 161.08 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.80 526.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 195.52 526.10 Td (will ) Tj ET Q q 0 0 0 rg BT 213.57 526.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 250.51 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 260.79 526.10 Td (be ) Tj ET Q q 0 0 0 rg BT 272.72 526.10 Td (included ) Tj ET Q q 0 0 0 rg BT 309.66 526.10 Td (in ) Tj ET Q q 0 0 0 rg BT 319.94 526.10 Td (the ) Tj ET Q q 0 0 0 rg BT 334.65 526.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 370.48 526.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 390.20 526.10 Td (restructuring ) Tj ET Q q 0 0 0 rg BT 443.79 526.10 Td (disclosures.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (Impairment ) Tj ET Q q 0 0 0 rg BT 98.80 502.10 Td (analyses ) Tj ET Q q 0 0 0 rg BT 134.82 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 146.96 502.10 Td (commercial-related ) Tj ET Q q 0 0 0 rg BT 226.84 502.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 250.09 502.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 290.00 502.10 Td (as ) Tj ET Q q 0 0 0 rg BT 300.47 502.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 335.94 502.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 355.31 502.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 412.44 502.10 Td (are ) Tj ET Q q 0 0 0 rg BT 426.79 502.10 Td (performed ) Tj ET Q q 0 0 0 rg BT 470.58 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 480.50 502.10 Td (conjunction ) Tj ET Q q 0 0 0 rg BT 529.86 502.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.78 502.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 80.87 490.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 123.94 490.10 Td (for ) Tj ET Q q 0 0 0 rg BT 138.15 490.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 157.91 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 174.89 490.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 197.42 490.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 223.85 490.10 Td (process. ) Tj ET Q q 0 0 0 rg BT 258.88 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 261.43 490.10 Td (Consumer ) Tj ET Q q 0 0 0 rg BT 305.08 490.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 328.73 490.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 369.04 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 379.91 490.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 415.78 490.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 435.54 490.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 493.07 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 507.82 490.10 Td (aggregated ) Tj ET Q q 0 0 0 rg BT 554.22 490.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (two ) Tj ET Q q 0 0 0 rg BT 67.68 478.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 92.03 478.10 Td (that ) Tj ET Q q 0 0 0 rg BT 109.71 478.10 Td (share ) Tj ET Q q 0 0 0 rg BT 133.49 478.10 Td (common ) Tj ET Q q 0 0 0 rg BT 171.17 478.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 188.85 478.10 Td (characteristics, ) Tj ET Q q 0 0 0 rg BT 251.22 478.10 Td (home ) Tj ET Q q 0 0 0 rg BT 276.12 478.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 303.80 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 320.92 478.10 Td (residential ) Tj ET Q q 0 0 0 rg BT 365.25 478.10 Td (real ) Tj ET Q q 0 0 0 rg BT 382.92 478.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 408.36 478.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 434.65 478.10 Td (with ) Tj ET Q q 0 0 0 rg BT 455.11 478.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 503.90 478.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 544.89 478.10 Td (on ) Tj ET Q q 0 0 0 rg BT 557.58 478.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 88.59 466.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 111.09 466.10 Td (based ) Tj ET Q q 0 0 0 rg BT 136.36 466.10 Td (on ) Tj ET Q q 0 0 0 rg BT 148.86 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 163.58 466.10 Td (present ) Tj ET Q q 0 0 0 rg BT 194.96 466.10 Td (value ) Tj ET Q q 0 0 0 rg BT 219.11 466.10 Td (of ) Tj ET Q q 0 0 0 rg BT 229.94 466.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 267.97 466.10 Td (future ) Tj ET Q q 0 0 0 rg BT 294.35 466.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 314.62 466.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 339.34 466.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 385.17 466.10 Td (at ) Tj ET Q q 0 0 0 rg BT 394.88 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.60 466.10 Td (loan's ) Tj ET Q q 0 0 0 rg BT 435.01 466.10 Td (ef) Tj ET Q q 0 0 0 rg BT 442.60 466.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 472.30 466.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 504.23 466.10 Td (rate.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (The following table presents loans that were restructured during the year ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.33 442.10 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 447.92 442.10 Td ( \(dollars in thousands\): ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 376.60 217.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 376.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 376.60 60.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 376.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 376.60 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 376.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 376.60 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 376.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 376.60 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 349.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 349.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 349.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 349.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 349.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 349.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 349.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 349.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 349.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 321.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 321.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 321.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 321.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 321.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 294.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 294.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 294.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 294.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 294.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 294.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 294.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 294.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 294.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 260.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 260.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 260.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 260.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 260.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 260.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 260.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 260.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 260.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 232.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 232.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 232.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 232.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 232.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 232.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 232.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 232.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 232.60 73.00 -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 271.5 410.6 m 331.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 331.5 410.6 m 335.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 410.6 m 408.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 408.5 410.6 m 412.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 410.6 m 485.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 410.6 m 489.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 410.6 m 562.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 376.6 m 331.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 376.6 m 408.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 376.6 m 485.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 376.6 m 562.5 376.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 321.6 m 331.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 308.6 m 331.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 306.6 m 331.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 321.6 m 408.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 308.6 m 408.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 306.6 m 408.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 321.6 m 485.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 308.6 m 485.5 308.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 306.6 m 485.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 321.6 m 562.5 321.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 308.6 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 489.5 306.6 m 562.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 218.60000000000002 m 331.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 205.60000000000002 m 331.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 271.5 203.60000000000002 m 331.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 218.60000000000002 m 408.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 205.60000000000002 m 408.5 205.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 335.5 203.60000000000002 m 408.5 203.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 218.60000000000002 m 485.5 218.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 412.5 205.60000000000002 m 485.5 205.60000000000002 l s 0 0 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0 0 rg BT 429.35 380.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.80 388.83 Td (Charge-offsand) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.05 380.83 Td (SpecificReserves) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 368.00 Td (Performing:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 328.00 366.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 405.00 366.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.00 366.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 366.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 354.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 354.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 354.06 Td (4,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 354.06 Td (4,388) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 354.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 354.06 Td (412) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 340.06 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 340.06 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 340.06 Td (939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 340.06 Td (939) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 340.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 340.06 Td (143) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 326.06 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 326.06 Td (13) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 326.06 Td (2,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 326.06 Td (2,113) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 326.06 Td (172) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 312.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 312.06 Td (21) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 312.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 312.06 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 312.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 312.06 Td (7,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 312.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 312.06 Td (727) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 299.00 Td (Non-Performing:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 298.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 298.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 298.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 298.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 285.06 Td (Commercial) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 285.06 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 285.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 285.06 Td (17,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 285.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 285.06 Td (17,472) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 285.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 285.06 Td (5,784) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 271.86 Td (Commercial collateralized by assignment of lease) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 262.91 Td (payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 323.50 265.06 Td (2) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 265.06 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 265.06 Td (794) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 265.06 Td (382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 251.06 Td (Residential real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 251.06 Td (10) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 251.06 Td (1,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 251.06 Td (1,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 251.06 Td (245) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 237.06 Td (Indirect vehicle) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 237.06 Td (33) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 237.06 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 237.06 Td (220) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 237.06 Td (75) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 223.06 Td (Home equity) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 223.06 Td (42) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 223.06 Td (4,933) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 223.06 Td (4,933) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 223.06 Td (293) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 209.06 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 319.00 209.06 Td (95) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 209.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 209.06 Td (24,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 209.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 209.06 Td (24,729) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 209.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 209.06 Td (6,779) Tj ET Q BT /F1 10.00 Tf ET 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1 rg /GS0 gs 412.50 582.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 582.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 582.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 554.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 554.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 554.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 554.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 554.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 554.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 554.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 554.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 554.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 526.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 526.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 526.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 526.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 526.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 526.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 526.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 526.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 526.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 498.60 217.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 267.50 498.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 271.50 498.60 60.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 331.50 498.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 335.50 498.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 408.50 498.60 4.00 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(December31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 282.50 676.83 Td (Number of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 290.55 668.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 342.20 684.83 Td (Pre-Modification) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.05 676.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 352.35 668.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 417.80 684.83 Td (Post-Modification) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.05 676.83 Td (Recorded) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.35 668.83 Td (Investment) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 497.80 676.83 Td (Charge-offsand) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 496.05 668.83 Td (SpecificReserves) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 656.00 Td (Performing:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 328.00 654.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 405.00 654.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 482.00 654.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 654.36 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 642.06 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 642.17 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 642.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 642.06 Td (11,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 642.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 642.06 Td (11,074) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 642.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 642.06 Td (2,810) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 628.06 Td (Home equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 628.17 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 628.06 Td (4,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 628.06 Td (4,809) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 628.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 614.06 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 614.17 Td (23) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 614.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.25 614.06 Td (15,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 614.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.25 614.06 Td (15,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 614.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 614.06 Td (2,810) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 601.00 Td (Non-Performing:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 328.00 600.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 600.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 600.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 600.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 587.06 Td (Commercial real estate:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 274.00 587.17 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 405.00 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 482.00 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 587.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 573.06 Td (Industrial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 573.17 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 573.06 Td (414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 573.06 Td (414) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 573.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 573.06 Td (9) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 559.06 Td (Multifamily) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 559.17 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 559.06 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 559.06 Td (334) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 559.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 545.06 Td (Office) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 545.17 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 545.06 Td (815) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 545.06 Td (815) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 545.06 Td (191) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 531.06 Td (Residential real estate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 322.65 531.17 Td (1) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.50 531.06 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.50 531.06 Td (140) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 531.06 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 517.06 Td (Indirect vehicle) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 517.17 Td (16) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 396.00 517.06 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.00 517.06 Td (88) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 517.06 Td (32) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 503.06 Td (Home equity) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 503.17 Td (17) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 503.06 Td (2,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 503.06 Td (2,959) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 503.06 Td (306) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 83.00 489.06 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.65 489.17 Td (37) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 338.00 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 384.75 489.06 Td (4,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 415.00 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 461.75 489.06 Td (4,750) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 492.00 489.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 489.06 Td (555) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 461.10 Td (Of ) Tj ET Q q 0 0 0 rg BT 62.75 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 77.17 461.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 112.70 461.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 132.12 461.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 189.30 461.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 220.93 461.10 Td (into ) Tj ET Q q 0 0 0 rg BT 238.68 461.10 Td (during ) Tj ET Q q 0 0 0 rg BT 266.99 461.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.41 461.10 Td (year ) Tj ET Q q 0 0 0 rg BT 300.82 461.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.90 461.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 385.18 461.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.18 461.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.88 461.10 Td ($224 ) Tj ET Q q 0 0 0 rg BT 432.09 461.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.19 461.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.40 461.10 Td (subsequently ) Tj ET Q q 0 0 0 rg BT 524.81 461.10 Td (defaulted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.10 Td (during ) Tj ET Q q 0 0 0 rg BT 78.12 449.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.36 449.10 Td (year) Tj ET Q q 0 0 0 rg BT 109.01 449.10 Td (. ) Tj ET Q q 0 0 0 rg BT 116.03 449.10 Td (Performing ) Tj ET Q q 0 0 0 rg BT 163.59 449.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 198.93 449.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 218.16 449.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 275.16 449.10 Td (are ) Tj ET Q q 0 0 0 rg BT 289.39 449.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 334.72 449.10 Td (to ) Tj ET Q q 0 0 0 rg BT 344.51 449.10 Td (have ) Tj ET Q q 0 0 0 rg BT 365.40 449.10 Td (defaulted ) Tj ET Q q 0 0 0 rg BT 404.62 449.10 Td (when ) Tj ET Q q 0 0 0 rg BT 428.30 449.10 Td (they ) Tj ET Q q 0 0 0 rg BT 447.53 449.10 Td (become ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.64 449.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.64 449.10 Td ( ) Tj ET Q q 0 0 0 rg BT 492.66 449.10 Td (days ) Tj ET Q q 0 0 0 rg BT 513.00 449.10 Td (or ) Tj ET Q q 0 0 0 rg BT 523.35 449.10 Td (more ) Tj ET Q q 0 0 0 rg BT 545.91 449.10 Td (past ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.10 Td (due ) Tj ET Q q 0 0 0 rg BT 66.94 437.10 Td (post-restructuring ) Tj ET Q q 0 0 0 rg BT 140.53 437.10 Td (or ) Tj ET Q q 0 0 0 rg BT 151.36 437.10 Td (are ) Tj ET Q q 0 0 0 rg BT 166.07 437.10 Td (placed ) Tj ET Q q 0 0 0 rg BT 194.66 437.10 Td (on ) Tj ET Q q 0 0 0 rg BT 207.16 437.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 256.86 437.10 Td (status.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.10 Td (The ) Tj ET Q q 0 0 0 rg BT 69.54 413.10 Td (following ) Tj ET Q q 0 0 0 rg BT 112.41 413.10 Td (tables ) Tj ET Q q 0 0 0 rg BT 139.72 413.10 Td (present ) Tj ET Q q 0 0 0 rg BT 172.59 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 188.79 413.10 Td (troubled ) Tj ET Q q 0 0 0 rg BT 226.11 413.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 247.31 413.10 Td (restructurings ) Tj ET Q q 0 0 0 rg BT 306.29 413.10 Td (activity ) Tj ET Q q 0 0 0 rg BT 340.26 413.10 Td (during ) Tj ET Q q 0 0 0 rg BT 370.36 413.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.57 413.10 Td (year ) Tj ET Q q 0 0 0 rg BT 407.76 413.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.63 413.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 495.70 413.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.70 413.10 Td ( ) Tj ET Q q 0 0 0 rg BT 519.69 413.10 Td (\(dollars ) Tj ET Q q 0 0 0 rg BT 554.22 413.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 375.60 304.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 375.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 375.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 375.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 375.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 345.60 304.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 345.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 345.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 345.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 345.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 315.60 304.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 315.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 315.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 315.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 315.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 285.60 304.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 285.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 285.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 285.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 285.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 255.60 304.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 255.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 357.50 255.60 100.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 255.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 461.50 255.60 100.00 -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 357.5 375.6 m 457.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 375.6 m 561.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 255.60000000000002 m 457.5 255.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 241.60000000000002 m 457.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 357.5 239.60000000000002 m 457.5 239.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 255.60000000000002 m 561.5 255.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 241.60000000000002 m 561.5 241.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 461.5 239.60000000000002 m 561.5 239.60000000000002 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 382.25 380.28 Td (Performing) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 476.00 380.28 Td (Non-performing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 52.00 365.27 Td (Beginning balance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.00 365.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 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506.50 258.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 230.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 230.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 230.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 230.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 230.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 230.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 230.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 202.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 202.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 202.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 202.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 202.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 202.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 202.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 174.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 174.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 174.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 174.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 174.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 174.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 174.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 146.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 146.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 146.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 146.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 146.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 146.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 146.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 118.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 118.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 118.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 118.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 118.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 118.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 118.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 90.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 90.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 90.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 442.50 90.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 90.60 56.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 502.50 90.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 506.50 90.60 56.00 -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 386.5 466.6 m 442.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 466.6 m 446.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 466.6 m 502.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 466.6 m 506.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 466.6 m 562.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 466.6 m 442.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 454.6 m 442.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 442.5 466.6 m 446.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 454.6 m 502.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 502.5 466.6 m 506.5 466.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 454.6 m 562.5 454.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 272.6 m 442.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 272.6 m 502.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 272.6 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 386.5 272.6 m 442.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 258.6 m 442.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 272.6 m 502.5 272.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 258.6 m 502.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 258.6 m 562.5 258.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 132.60000000000002 m 442.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 118.60000000000002 m 442.5 118.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 132.60000000000002 m 502.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 118.60000000000002 m 502.5 118.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 132.60000000000002 m 562.5 132.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 118.60000000000002 m 562.5 118.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 104.60000000000002 m 442.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 118.60000000000002 m 502.5 118.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 104.60000000000002 m 502.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 118.60000000000002 m 562.5 118.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 104.60000000000002 m 562.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 104.60000000000002 m 442.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 104.60000000000002 m 502.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 104.60000000000002 m 562.5 104.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 76.60000000000002 m 442.5 76.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 63.60000000000002 m 442.5 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 61.60000000000002 m 442.5 61.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 76.60000000000002 m 502.5 76.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 63.60000000000002 m 502.5 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 61.60000000000002 m 502.5 61.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 76.60000000000002 m 562.5 76.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 63.60000000000002 m 562.5 63.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 506.5 61.60000000000002 m 562.5 61.60000000000002 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 470.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.70 470.68 Td (YearEndedDecember31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 458.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.00 458.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.00 458.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 526.00 458.68 Td (2014) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 444.85 Td (Balance at beginning of year) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 444.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 444.85 Td (131,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 444.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 444.85 Td (114,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 444.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 444.85 Td (113,462) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 430.85 Td (Allowance for unfunded credit commitments acquired through business combination) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 430.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 430.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 430.85 Td (1,261) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 416.85 Td (Utilization of allowance for unfunded credit commitments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 431.30 416.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 416.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.60 416.85 Td (\(637) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 416.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 402.85 Td (Provision for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 402.85 Td (19,563) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 402.85 Td (21,386) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 402.85 Td (12,052) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 388.85 Td (Charge-offs:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 388.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.00 388.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 388.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 374.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 374.85 Td (2,126) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 374.85 Td (2,993) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 374.85 Td (1,339) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 360.85 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 360.85 Td (6,740) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 360.85 Td (2,765) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 360.85 Td (925) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 346.85 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 346.85 Td (2,851) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 346.85 Td (3,563) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 346.85 Td (11,438) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 332.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 332.85 Td (1,356) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 332.85 Td (1,450) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 332.85 Td (1,718) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 318.85 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 318.85 Td (593) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 491.30 318.85 Td (34) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 318.85 Td (79) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 304.85 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 304.85 Td (3,505) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 304.85 Td (2,980) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 304.85 Td (3,735) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 290.85 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 290.85 Td (1,662) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 290.85 Td (1,485) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 290.85 Td (3,383) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 276.85 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 276.85 Td (1,778) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 276.85 Td (1,941) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 276.85 Td (2,128) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 262.85 Td (Total charge-offs) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 262.85 Td (20,611) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 262.85 Td (17,211) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 262.85 Td (24,745) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 248.85 Td (Recoveries:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.00 248.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.00 248.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 248.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 234.85 Td (Commercial) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 234.85 Td (2,434) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 234.85 Td (1,749) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 234.85 Td (3,757) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 220.85 Td (Commercial collateralized by assignment of lease payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 220.85 Td (550) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 220.85 Td (1,112) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 220.85 Td (939) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 206.85 Td (Commercial real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 206.85 Td (3,729) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 206.85 Td (6,723) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 206.85 Td (4,020) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 192.85 Td (Residential real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 192.85 Td (1,210) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 192.85 Td (515) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 192.85 Td (1,190) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 178.85 Td (Construction real estate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 178.85 Td (142) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 178.85 Td (272) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 178.85 Td (252) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 164.85 Td (Indirect vehicle) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 164.85 Td (1,837) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 164.85 Td (1,853) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 164.85 Td (1,736) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 150.85 Td (Home equity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 150.85 Td (756) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 150.85 Td (579) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 150.85 Td (482) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 71.00 136.85 Td (Other consumer) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 427.30 136.85 Td (724) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.30 136.85 Td (473) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 136.85 Td (288) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 122.85 Td (Total recoveries) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 417.30 122.85 Td (11,382) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.30 122.85 Td (13,276) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 122.85 Td (12,664) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 108.85 Td (Net charge-offs) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.30 108.85 Td (9,229) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 481.30 108.85 Td (3,935) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 537.30 108.85 Td (12,081) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 94.85 Td (Allowance for credit losses) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 94.85 Td (141,842) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 94.85 Td (131,508) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 94.85 Td (114,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 80.85 Td (Allowance for unfunded credit commitments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 418.60 80.85 Td (\(2,476) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 80.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 478.60 80.85 Td (\(3,368) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 80.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 80.85 Td (\(4,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 80.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 66.85 Td (Balance at December31,) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.00 66.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 413.25 66.85 Td (139,366) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 449.00 66.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 473.25 66.85 Td (128,140) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.00 66.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.25 66.85 Td (110,026) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 219 0 obj <> endobj 220 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (109) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The following table presents the activity in the allowance for credit losses, balance in allowance for credit losses and recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (investment in loans by portfolio segment and based on impairment method as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 373.55 730.10 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.13 730.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.57 730.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 491.57 730.10 Td ( \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 668.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 668.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 668.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 668.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 668.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 668.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 668.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 668.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 668.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 668.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 668.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 668.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 648.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 648.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 648.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 648.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 648.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 648.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 648.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 648.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 648.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 648.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 648.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 648.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 628.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 628.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 628.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 628.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 628.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 628.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 628.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 628.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 628.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 628.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 628.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 628.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 608.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 608.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 608.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 608.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 608.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 608.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 608.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 608.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 608.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 608.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 608.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 608.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 578.60 95.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 578.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 578.60 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 578.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 578.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 578.60 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 578.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 578.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 578.60 34.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 578.60 44.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 578.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 578.60 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 542.60 95.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 542.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 542.60 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 542.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 542.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 542.60 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 542.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 542.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 542.60 34.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 542.60 44.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 542.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 542.60 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 504.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 504.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 504.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 504.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 504.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 504.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 504.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 504.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 504.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 504.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 504.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 504.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 474.60 95.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 474.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 474.60 46.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 474.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 474.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 474.60 40.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 474.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 474.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 474.60 34.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 474.60 44.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 474.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 474.60 35.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 434.60 95.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 434.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 434.60 46.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 434.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 434.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 434.60 40.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 434.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 434.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 434.60 34.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 434.60 44.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 434.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 434.60 35.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 404.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 404.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 404.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 404.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 404.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 404.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 404.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 404.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 404.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 404.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 404.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 404.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 384.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 384.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 384.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 384.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 384.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 384.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 384.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 384.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 384.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 384.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 384.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 384.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 364.60 95.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 364.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 364.60 46.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 364.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 364.60 38.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 364.60 40.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 364.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 364.60 32.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 364.60 34.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 364.60 44.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 364.60 4.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 364.60 35.00 -10.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 344.60 95.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 344.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 344.60 46.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 344.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 344.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 344.60 40.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 344.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 344.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 344.60 34.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 344.60 44.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 344.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 344.60 35.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 306.60 95.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 306.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 306.60 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 306.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 306.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 306.60 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 306.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 306.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 306.60 34.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 306.60 44.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 306.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 306.60 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 270.60 95.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 270.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 270.60 46.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 270.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 283.50 270.60 38.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 321.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 325.50 270.60 40.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 270.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 270.60 32.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 270.60 34.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 270.60 44.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 270.60 4.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 270.60 35.00 -18.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 242.60 95.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 145.50 242.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 242.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 187.50 242.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 191.50 242.60 46.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 242.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 242.60 38.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 279.50 242.60 4.00 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0.9333333333333333 1 rg /GS0 gs 401.50 202.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 202.60 32.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 437.50 202.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 202.60 34.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 202.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 479.50 202.60 44.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 202.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 527.50 202.60 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 149.5 668.6 m 187.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 191.5 668.6 m 237.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 668.6 m 279.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 668.6 m 321.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 668.6 m 365.5 668.6 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 241.5 599.6 m 279.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 597.6 m 279.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 608.6 m 321.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 599.6 m 321.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 283.5 597.6 m 321.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 608.6 m 365.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 599.6 m 365.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 325.5 597.6 m 365.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 608.6 m 401.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 599.6 m 401.5 599.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 597.6 m 401.5 597.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 608.6 m 437.5 608.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 599.6 m 437.5 599.6 l s 0 0 0 RG /GS0 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362.00 661.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 661.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 661.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 661.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 661.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 661.94 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 652.04 Td (Allowance for credit losses:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 651.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 641.94 Td (Beginning balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 641.94 Td (39,316) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 641.94 Td (10,434) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 641.94 Td (45,475) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 641.94 Td (5,734) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 641.94 Td (15,113) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 641.94 Td (2,418) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 641.94 Td (7,374) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 641.94 Td (2,276) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 641.94 Td (3,368) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 641.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 641.94 Td (131,508) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 631.94 Td (Charge-offs) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 631.94 Td (2,126) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 631.94 Td (6,740) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 631.94 Td (2,851) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 631.94 Td (1,356) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 354.00 631.94 Td (593) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 631.94 Td (3,505) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 631.94 Td (1,662) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 631.94 Td (1,778) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 631.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 631.94 Td (20,611) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 621.94 Td (Recoveries) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 621.94 Td (2,434) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 226.00 621.94 Td (550) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 621.94 Td (3,729) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 621.94 Td (1,210) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 354.00 621.94 Td (142) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 621.94 Td (1,837) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 621.94 Td (756) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 621.94 Td (724) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 621.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 621.94 Td (11,382) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 611.94 Td (Provision) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 611.94 Td (5,037) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 611.94 Td (7,994) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 611.94 Td (5,454) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 310.00 611.94 Td (383) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 611.94 Td (96) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 611.94 Td (2,671) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 424.00 611.94 Td (\(999) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 435.00 611.94 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 462.00 611.94 Td (\(181) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 473.00 611.94 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 510.00 611.94 Td (\(892) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 521.00 611.94 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 611.94 Td (19,563) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 601.94 Td (Ending balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 601.94 Td (44,661) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 601.94 Td (12,238) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 601.94 Td (51,807) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 601.94 Td (5,971) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 601.94 Td (14,758) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 601.94 Td (3,421) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 601.94 Td (5,469) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 601.94 Td (1,041) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 601.94 Td (2,476) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 601.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 601.94 Td (141,842) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 588.44 Td (Ending allowance balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 582.44 Td (attributable to loans:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 582.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 570.44 Td (Individually evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 564.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 564.44 Td (2,889) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 229.00 564.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 268.00 564.44 Td (354) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 564.44 Td (2,163) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 564.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 564.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 564.44 Td (2,930) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 564.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 512.00 564.44 Td (617) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 564.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 546.50 564.44 Td (8,953) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 552.44 Td (Collectively evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 546.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 546.44 Td (41,594) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 546.44 Td (12,238) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 546.44 Td (50,811) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 546.44 Td (3,808) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 546.44 Td (14,712) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 546.44 Td (3,421) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 546.44 Td (2,539) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 546.44 Td (1,041) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 546.44 Td (1,859) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 546.44 Td (132,023) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 534.44 Td (Acquired and accounted for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 528.44 Td (under ASC Topic 310-30 \(1\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 176.00 528.44 Td (178) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 229.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 268.00 528.44 Td (642) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 313.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 528.44 Td (46) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 429.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 528.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 551.00 528.44 Td (866) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 514.44 Td (Total ending allowance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 508.44 Td (balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 508.44 Td (44,661) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 508.44 Td (12,238) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 508.44 Td (51,807) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 508.44 Td (5,971) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 508.44 Td (14,758) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 508.44 Td (3,421) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 508.44 Td (5,469) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 508.44 Td (1,041) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 508.44 Td (2,476) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 508.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 508.44 Td (141,842) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 498.04 Td (Loans:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 497.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 484.44 Td (Individually evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 478.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 478.44 Td (23,459) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 226.00 478.44 Td (747) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 478.44 Td (6,443) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 302.50 478.44 Td (14,353) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 478.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 390.00 478.44 Td (122) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 418.50 478.44 Td (28,790) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 478.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 478.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 478.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 478.44 Td (73,914) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 464.44 Td (Collectively evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 458.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 161.00 458.44 Td (4,323,047) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 211.00 458.44 Td (2,002,229) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 253.00 458.44 Td (3,781,573) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 295.00 458.44 Td (1,046,475) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 343.50 458.44 Td (518,562) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 379.50 458.44 Td (541,558) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 415.50 458.44 Td (237,587) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 458.44 Td (80,781) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 458.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 533.00 458.44 Td (12,531,812) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 444.44 Td (Acquired and accounted for ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 438.44 Td (under ) Tj ET Q q 0 0 0 rg BT 85.83 438.44 Td (ASC ) Tj ET Q q 0 0 0 rg BT 98.89 438.44 Td (T) Tj ET Q q 0 0 0 rg BT 102.14 438.44 Td (opic 310-30 ) Tj ET Q BT /F1 6.00 Tf ET BT /F1 3.90 Tf ET q 0 0 0 rg BT 132.47 441.16 Td (\(1\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 438.44 Td (22,257) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 229.00 438.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 438.44 Td (46,994) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 302.50 438.44 Td (72,184) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 349.50 438.44 Td (4,832) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 438.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 418.50 438.44 Td (14,549) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 438.44 Td (2,261) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 438.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 438.44 Td (163,077) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 424.44 Td (Total ending loans) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 418.44 Td (balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 161.00 418.44 Td (4,368,763) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 211.00 418.44 Td (2,002,976) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 253.00 418.44 Td (3,835,010) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 295.00 418.44 Td (1,133,012) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 343.50 418.44 Td (523,394) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 379.50 418.44 Td (541,680) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 415.50 418.44 Td (280,926) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 418.44 Td (83,042) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 418.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 418.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 533.00 418.44 Td (12,768,803) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 408.04 Td (December31, 2015) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 407.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 407.94 Td () Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 398.04 Td (Allowance for credit losses:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 397.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 387.94 Td (Beginning balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 387.94 Td (29,571) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 387.94 Td (9,962) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 387.94 Td (41,826) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 387.94 Td (6,646) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 349.50 387.94 Td (8,918) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 387.94 Td (1,687) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 387.94 Td (9,456) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 387.94 Td (1,960) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 387.94 Td (4,031) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 387.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 387.94 Td (114,057) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 377.94 Td (Charge-offs) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 377.94 Td (2,993) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 377.94 Td (2,765) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 377.94 Td (3,563) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 377.94 Td (1,450) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 377.94 Td (34) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 377.94 Td (2,980) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 377.94 Td (1,485) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 377.94 Td (1,941) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 377.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 377.94 Td (17,211) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 367.94 Td (Recoveries) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 367.94 Td (1,749) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 367.94 Td (1,112) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 367.94 Td (6,723) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 310.00 367.94 Td (515) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 354.00 367.94 Td (272) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 367.94 Td (1,853) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 426.00 367.94 Td (579) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 464.00 367.94 Td (473) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 367.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 367.94 Td (13,276) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 357.94 Td (Provision) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 357.94 Td (10,989) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 357.94 Td (2,125) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 268.00 357.94 Td (489) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 313.00 357.94 Td (23) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 349.50 357.94 Td (5,957) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 357.94 Td (1,858) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 419.50 357.94 Td (\(1,176) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 435.00 357.94 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 357.94 Td (1,784) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 510.00 357.94 Td (\(663) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 521.00 357.94 Td (\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 357.94 Td (21,386) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 53.00 347.94 Td (Ending balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 347.94 Td (39,316) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 347.94 Td (10,434) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 347.94 Td (45,475) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 347.94 Td (5,734) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 347.94 Td (15,113) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 347.94 Td (2,418) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 347.94 Td (7,374) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 347.94 Td (2,276) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 347.94 Td (3,368) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 347.94 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 347.94 Td (131,508) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 334.44 Td (Ending allowance balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 59.00 328.44 Td (attributable to loans:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 328.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 316.44 Td (Individually evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 310.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 171.50 310.44 Td (7,523) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 310.44 Td (1,790) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 310.44 Td (6,859) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 310.44 Td (2,634) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 310.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 310.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 310.44 Td (3,131) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 310.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 310.44 Td (1,392) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 310.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 543.50 310.44 Td (23,329) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 298.44 Td (Collectively evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 292.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 292.44 Td (31,228) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 292.44 Td (8,644) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 292.44 Td (37,198) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 292.44 Td (3,100) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 292.44 Td (15,019) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 292.44 Td (2,418) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 292.44 Td (4,243) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 292.44 Td (2,276) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 292.44 Td (1,976) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 292.44 Td (106,102) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 280.44 Td (Acquired and accounted for ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 274.44 Td (under ) Tj ET Q q 0 0 0 rg BT 85.83 274.44 Td (ASC ) Tj ET Q q 0 0 0 rg BT 98.89 274.44 Td (T) Tj ET Q q 0 0 0 rg BT 102.14 274.44 Td (opic 310-30 ) Tj ET Q BT /F1 6.00 Tf ET BT /F1 3.90 Tf ET q 0 0 0 rg BT 132.47 277.16 Td (\(1\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 176.00 274.44 Td (565) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 229.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 263.50 274.44 Td (1,418) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 313.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 274.44 Td (94) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 429.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 274.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 546.50 274.44 Td (2,077) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 262.44 Td (Total ending allowance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 256.44 Td (balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 256.44 Td (39,316) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 218.50 256.44 Td (10,434) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 256.44 Td (45,475) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 305.50 256.44 Td (5,734) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 256.44 Td (15,113) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 385.50 256.44 Td (2,418) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 421.50 256.44 Td (7,374) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 256.44 Td (2,276) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 507.50 256.44 Td (3,368) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 256.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 256.44 Td (131,508) Tj ET Q BT /F2 6.00 Tf ET q 0 0 0 rg BT 53.00 246.04 Td (Loans:) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 184.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 234.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 276.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 318.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 362.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 398.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 434.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 472.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 520.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 559.00 245.94 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 232.44 Td (Individually evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 226.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 226.44 Td (34,647) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 221.50 226.44 Td (6,246) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 226.44 Td (30,204) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 302.50 226.44 Td (13,739) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 357.00 226.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 390.00 226.44 Td (119) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 418.50 226.44 Td (29,510) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 467.00 226.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 226.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 226.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 226.44 Td (114,465) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 212.44 Td (Collectively evaluated for) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 206.44 Td (impairment) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 161.00 206.44 Td (3,581,639) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 211.00 206.44 Td (1,772,826) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 253.00 206.44 Td (2,665,472) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 299.50 206.44 Td (614,430) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 343.50 206.44 Td (252,060) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 379.50 206.44 Td (383,976) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 415.50 206.44 Td (187,063) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 206.44 Td (80,661) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 206.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 536.00 206.44 Td (9,538,127) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 192.44 Td (Acquired and accounted for ) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 71.00 186.44 Td (under ) Tj ET Q q 0 0 0 rg BT 85.83 186.44 Td (ASC ) Tj ET Q q 0 0 0 rg BT 98.89 186.44 Td (T) Tj ET Q q 0 0 0 rg BT 102.14 186.44 Td (opic 310-30 ) Tj ET Q BT /F1 6.00 Tf ET BT /F1 3.90 Tf ET q 0 0 0 rg BT 132.47 189.16 Td (\(1\)) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 168.50 186.44 Td (24,284) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 229.00 186.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 260.50 186.44 Td (36,362) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 302.50 186.44 Td (53,156) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 346.50 186.44 Td (10,891) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 393.00 186.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 418.50 186.44 Td (14,004) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 459.50 186.44 Td (2,709) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 186.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 540.50 186.44 Td (141,406) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 172.44 Td (Total ending loans) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 83.00 166.44 Td (balance) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 152.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 161.00 166.44 Td (3,640,570) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 194.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 211.00 166.44 Td (1,779,072) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 244.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 253.00 166.44 Td (2,732,038) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 286.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 299.50 166.44 Td (681,325) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 328.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 343.50 166.44 Td (262,951) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 372.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 379.50 166.44 Td (384,095) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 408.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 415.50 166.44 Td (230,577) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 444.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 456.50 166.44 Td (83,370) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 482.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 515.00 166.44 Td () Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 530.00 166.44 Td ($) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 536.00 166.44 Td (9,793,998) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 68.00 145.13 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 141.50 Td (Loans ) Tj ET Q q 0 0 0 rg BT 108.38 141.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 138.74 141.50 Td (in ) Tj ET Q q 0 0 0 rg BT 147.79 141.50 Td (business ) Tj ET Q q 0 0 0 rg BT 177.73 141.50 Td (combinations ) Tj ET Q q 0 0 0 rg BT 223.66 141.50 Td (and ) Tj ET Q q 0 0 0 rg BT 238.04 141.50 Td (accounted ) Tj ET Q q 0 0 0 rg BT 273.29 141.50 Td (for ) Tj ET Q q 0 0 0 rg BT 285.45 141.50 Td (under ) Tj ET Q q 0 0 0 rg BT 305.86 141.50 Td (ASC ) Tj ET Q q 0 0 0 rg BT 324.05 141.50 Td (T) Tj ET Q q 0 0 0 rg BT 328.38 141.50 Td (opic ) Tj ET Q q 0 0 0 rg BT 344.98 141.50 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 370.47 141.50 Td (Receivables ) Tj ET Q q 0 0 0 rg BT 415.49 141.50 Td ( ) Tj ET Q q 0 0 0 rg BT 426.32 141.50 Td (Loans ) Tj ET Q q 0 0 0 rg BT 448.69 141.50 Td (and ) Tj ET Q q 0 0 0 rg BT 463.07 141.50 Td (Debt ) Tj ET Q q 0 0 0 rg BT 481.45 141.50 Td (Securities ) Tj ET Q q 0 0 0 rg BT 515.20 141.50 Td (Acquired ) Tj ET Q q 0 0 0 rg BT 547.79 141.50 Td (with ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 131.90 Td (Deteriorated ) Tj ET Q q 0 0 0 rg BT 127.98 131.90 Td (Credit ) Tj ET Q q 0 0 0 rg BT 149.97 131.90 Td (Quality) Tj ET Q q 0 0 0 rg BT 173.45 131.90 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 119.90 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 107.90 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 93.06 107.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 116.12 107.90 Td (acquired ) Tj ET Q q 0 0 0 rg BT 152.50 107.90 Td (in ) Tj ET Q q 0 0 0 rg BT 162.24 107.90 Td (a ) Tj ET Q q 0 0 0 rg BT 168.64 107.90 Td (business ) Tj ET Q q 0 0 0 rg BT 204.49 107.90 Td (combination ) Tj ET Q q 0 0 0 rg BT 256.44 107.90 Td (are ) Tj ET Q q 0 0 0 rg BT 270.60 107.90 Td (recorded ) Tj ET Q q 0 0 0 rg BT 307.53 107.90 Td (at ) Tj ET Q q 0 0 0 rg BT 316.71 107.90 Td (estimated ) Tj ET Q q 0 0 0 rg BT 356.99 107.90 Td (fair ) Tj ET Q q 0 0 0 rg BT 372.82 107.90 Td (value ) Tj ET Q q 0 0 0 rg BT 396.44 107.90 Td (on ) Tj ET Q q 0 0 0 rg BT 408.39 107.90 Td (their ) Tj ET Q q 0 0 0 rg BT 428.68 107.90 Td (purchase ) Tj ET Q q 0 0 0 rg BT 466.17 107.90 Td (date ) Tj ET Q q 0 0 0 rg BT 484.79 107.90 Td (without ) Tj ET Q q 0 0 0 rg BT 517.30 107.90 Td (a ) Tj ET Q q 0 0 0 rg BT 523.70 107.90 Td (carryover ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 95.90 Td (of ) Tj ET Q q 0 0 0 rg BT 60.92 95.90 Td (the ) Tj ET Q q 0 0 0 rg BT 75.72 95.90 Td (related ) Tj ET Q q 0 0 0 rg BT 105.51 95.90 Td (allowance ) Tj ET Q q 0 0 0 rg BT 148.63 95.90 Td (for ) Tj ET Q q 0 0 0 rg BT 162.88 95.90 Td (loan ) Tj ET Q q 0 0 0 rg BT 182.68 95.90 Td (and ) Tj ET Q q 0 0 0 rg BT 199.71 95.90 Td (lease ) Tj ET Q q 0 0 0 rg BT 222.28 95.90 Td (losses. ) Tj ET Q q 0 0 0 rg BT 251.07 95.90 Td (These ) Tj ET Q q 0 0 0 rg BT 277.53 95.90 Td (acquired ) Tj ET Q q 0 0 0 rg BT 314.54 95.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 338.24 95.90 Td (are ) Tj ET Q q 0 0 0 rg BT 353.03 95.90 Td (segregated ) Tj ET Q q 0 0 0 rg BT 398.37 95.90 Td (into ) Tj ET Q q 0 0 0 rg BT 416.52 95.90 Td (three ) Tj ET Q q 0 0 0 rg BT 439.09 95.90 Td (types: ) Tj ET Q q 0 0 0 rg BT 465.56 95.90 Td (pass ) Tj ET Q q 0 0 0 rg BT 485.37 95.90 Td (rated ) Tj ET Q q 0 0 0 rg BT 507.94 95.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 531.64 95.90 Td (with ) Tj ET Q q 0 0 0 rg BT 552.00 95.90 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 83.90 Td (discount ) Tj ET Q q 0 0 0 rg BT 85.92 83.90 Td (attributable ) Tj ET Q q 0 0 0 rg BT 133.49 83.90 Td (to ) Tj ET Q q 0 0 0 rg BT 143.30 83.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.10 83.90 Td (quality) Tj ET Q q 0 0 0 rg BT 195.22 83.90 Td (, ) Tj ET Q q 0 0 0 rg BT 199.76 83.90 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 255.66 83.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 278.81 83.90 Td (with ) Tj ET Q q 0 0 0 rg BT 298.62 83.90 Td (a ) Tj ET Q q 0 0 0 rg BT 305.09 83.90 Td (discount ) Tj ET Q q 0 0 0 rg BT 341.01 83.90 Td (attributable ) Tj ET Q q 0 0 0 rg BT 388.58 83.90 Td (at ) Tj ET Q q 0 0 0 rg BT 397.83 83.90 Td (least ) Tj ET Q q 0 0 0 rg BT 418.19 83.90 Td (in ) Tj ET Q q 0 0 0 rg BT 428.00 83.90 Td (part ) Tj ET Q q 0 0 0 rg BT 445.58 83.90 Td (to ) Tj ET Q q 0 0 0 rg BT 455.40 83.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 480.19 83.90 Td (quality ) Tj ET Q q 0 0 0 rg BT 510.00 83.90 Td (and ) Tj ET Q q 0 0 0 rg BT 526.47 83.90 Td (impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 71.90 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.61 71.90 Td (with ) Tj ET Q q 0 0 0 rg BT 93.89 71.90 Td (evidence ) Tj ET Q q 0 0 0 rg BT 131.92 71.90 Td (of ) Tj ET Q q 0 0 0 rg BT 142.75 71.90 Td (significant ) Tj ET Q q 0 0 0 rg BT 187.46 71.90 Td (credit ) Tj ET Q q 0 0 0 rg BT 212.72 71.90 Td (deterioration. ) Tj ET Q q 0 0 0 rg BT 268.81 71.90 Td ( ) Tj ET Q endstream endobj 221 0 obj <> endobj 222 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 742.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 742.10 Td (Pass ) Tj ET Q q 0 0 0 rg BT 106.50 742.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 129.21 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 153.04 742.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 194.08 742.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 241.78 742.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 268.94 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 283.87 742.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 327.12 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 341.50 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 352.00 742.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 399.68 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 419.57 742.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 441.55 742.10 Td (T) Tj ET Q q 0 0 0 rg BT 446.96 742.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 466.90 742.10 Td (310-20 ) Tj ET Q q 0 0 0 rg BT 497.95 742.10 Td ("Nonrefundable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 730.10 Td (Fees ) Tj ET Q q 0 0 0 rg BT 106.83 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 123.77 730.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 149.04 730.10 Td (Costs" ) Tj ET Q q 0 0 0 rg BT 177.85 730.10 Td (as ) Tj ET Q q 0 0 0 rg BT 188.68 730.10 Td (these ) Tj ET Q q 0 0 0 rg BT 211.73 730.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 235.34 730.10 Td (do ) Tj ET Q q 0 0 0 rg BT 247.84 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 263.11 730.10 Td (have ) Tj ET Q q 0 0 0 rg BT 284.49 730.10 Td (evidence ) Tj ET Q q 0 0 0 rg BT 322.52 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 333.35 730.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 358.62 730.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 412.21 730.10 Td (since ) Tj ET Q q 0 0 0 rg BT 435.25 730.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 718.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 718.10 Td (Non-impaired ) Tj ET Q q 0 0 0 rg BT 144.86 718.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 168.74 718.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 209.83 718.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 257.59 718.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 308.13 718.10 Td (loans\) ) Tj ET Q q 0 0 0 rg BT 335.33 718.10 Td (are ) Tj ET Q q 0 0 0 rg BT 350.31 718.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 393.61 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 408.04 718.10 Td (in ) Tj ET Q q 0 0 0 rg BT 418.59 718.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 466.32 718.10 Td (with ) Tj ET Q q 0 0 0 rg BT 486.26 718.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 508.28 718.10 Td (T) Tj ET Q q 0 0 0 rg BT 513.69 718.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 533.68 718.10 Td (310-30 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 706.10 Td (if ) Tj ET Q q 0 0 0 rg BT 94.61 706.10 Td (they ) Tj ET Q q 0 0 0 rg BT 114.33 706.10 Td (display ) Tj ET Q q 0 0 0 rg BT 145.71 706.10 Td (at ) Tj ET Q q 0 0 0 rg BT 155.43 706.10 Td (least ) Tj ET Q q 0 0 0 rg BT 176.25 706.10 Td (some ) Tj ET Q q 0 0 0 rg BT 199.86 706.10 Td (level ) Tj ET Q q 0 0 0 rg BT 221.80 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 232.63 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 257.89 706.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 311.48 706.10 Td (since ) Tj ET Q q 0 0 0 rg BT 334.53 706.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 694.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 694.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 125.58 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 150.18 694.10 Td (\(typically ) Tj ET Q q 0 0 0 rg BT 191.99 694.10 Td (substandard ) Tj ET Q q 0 0 0 rg BT 243.25 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 267.84 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 281.33 694.10 Td (non-accrual ) Tj ET Q q 0 0 0 rg BT 332.01 694.10 Td (status\) ) Tj ET Q q 0 0 0 rg BT 361.61 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 377.31 694.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 421.33 694.10 Td (for ) Tj ET Q q 0 0 0 rg BT 436.48 694.10 Td (in ) Tj ET Q q 0 0 0 rg BT 447.74 694.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 496.19 694.10 Td (with ) Tj ET Q q 0 0 0 rg BT 516.69 694.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 539.38 694.10 Td (T) Tj ET Q q 0 0 0 rg BT 544.79 694.10 Td (opic ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 682.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 116.83 682.10 Td (as ) Tj ET Q q 0 0 0 rg BT 127.66 682.10 Td (they ) Tj ET Q q 0 0 0 rg BT 147.38 682.10 Td (display ) Tj ET Q q 0 0 0 rg BT 178.76 682.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 223.48 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 248.74 682.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 302.33 682.10 Td (since ) Tj ET Q q 0 0 0 rg BT 325.38 682.10 Td (origination.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (For ) Tj ET Q q 0 0 0 rg BT 66.60 658.10 Td (pass ) Tj ET Q q 0 0 0 rg BT 86.53 658.10 Td (rated ) Tj ET Q q 0 0 0 rg BT 109.23 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 133.05 658.10 Td (\(non-purchased ) Tj ET Q q 0 0 0 rg BT 197.95 658.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 262.30 658.10 Td (loans\), ) Tj ET Q q 0 0 0 rg BT 291.95 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 306.88 658.10 Td (dif) Tj ET Q q 0 0 0 rg BT 317.80 658.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 349.93 658.10 Td (between ) Tj ET Q q 0 0 0 rg BT 385.95 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 400.88 658.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 441.91 658.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 458.50 658.10 Td (value ) Tj ET Q q 0 0 0 rg BT 482.86 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 493.90 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 508.83 658.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 532.65 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.79 658.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.04 646.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 137.21 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 146.38 646.10 Td (accreted ) Tj ET Q q 0 0 0 rg BT 182.18 646.10 Td (over ) Tj ET Q q 0 0 0 rg BT 202.45 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 217.16 646.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 260.21 646.10 Td (life ) Tj ET Q q 0 0 0 rg BT 276.03 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 286.86 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.58 646.10 Td (loans. ) 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 60.28 622.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 107.19 622.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.49 622.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 147.89 622.10 Td (310-30, ) Tj ET Q q 0 0 0 rg BT 180.68 622.10 Td (for ) Tj ET Q q 0 0 0 rg BT 194.29 622.10 Td (both ) Tj ET Q q 0 0 0 rg BT 214.02 622.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 256.50 622.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 312.33 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 335.38 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 351.77 622.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 394.26 622.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 457.85 622.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 483.41 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 497.57 622.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 520.63 622.10 Td (are ) Tj ET Q q 0 0 0 rg BT 534.79 622.10 Td (pooled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.94 610.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 81.09 610.10 Td (type ) Tj ET Q q 0 0 0 rg BT 100.25 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 116.63 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.78 610.10 Td (dif) Tj ET Q q 0 0 0 rg BT 141.71 610.10 Td (ference ) Tj ET Q q 0 0 0 rg BT 173.06 610.10 Td (between ) Tj ET Q q 0 0 0 rg BT 208.32 610.10 Td (contractually ) Tj ET Q q 0 0 0 rg BT 262.45 610.10 Td (required ) Tj ET Q q 0 0 0 rg BT 297.71 610.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 337.97 610.10 Td (at ) Tj ET Q q 0 0 0 rg BT 347.12 610.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 392.94 610.10 Td (and ) Tj ET Q q 0 0 0 rg BT 409.32 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 423.48 610.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 443.18 610.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 467.34 610.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 504.81 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 514.53 610.10 Td (be ) Tj ET Q q 0 0 0 rg BT 525.91 610.10 Td (collected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.54 598.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 94.04 598.10 Td (to ) Tj ET Q q 0 0 0 rg BT 104.69 598.10 Td (as ) Tj ET Q q 0 0 0 rg BT 115.88 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 130.97 598.10 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 192.68 598.10 Td (dif) Tj ET Q q 0 0 0 rg BT 203.61 598.10 Td (ference. ) Tj ET Q q 0 0 0 rg BT 238.39 598.10 Td (Further) Tj ET Q q 0 0 0 rg BT 267.43 598.10 Td (, ) Tj ET Q q 0 0 0 rg BT 272.80 598.10 Td (any ) Tj ET Q q 0 0 0 rg BT 290.11 598.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 319.07 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 330.27 598.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 350.91 598.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 376.00 598.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 414.40 598.10 Td (at ) Tj ET Q q 0 0 0 rg BT 424.48 598.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 471.23 598.10 Td (over ) Tj ET Q q 0 0 0 rg BT 491.87 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 506.95 598.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 548.14 598.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.33 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 83.68 586.10 Td (referred ) Tj ET Q q 0 0 0 rg BT 117.99 586.10 Td (to ) Tj ET Q q 0 0 0 rg BT 128.44 586.10 Td (as ) Tj ET Q q 0 0 0 rg BT 139.45 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.34 586.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 197.53 586.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 220.21 586.10 Td (and ) Tj ET Q q 0 0 0 rg BT 237.32 586.10 Td (is ) Tj ET Q q 0 0 0 rg BT 246.67 586.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 293.20 586.10 Td (into ) Tj ET Q q 0 0 0 rg BT 311.44 586.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 343.54 586.10 Td (income ) Tj ET Q q 0 0 0 rg BT 375.65 586.10 Td (over ) Tj ET Q q 0 0 0 rg BT 396.10 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 410.99 586.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 454.21 586.10 Td (life ) Tj ET Q q 0 0 0 rg BT 470.21 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 481.22 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 496.11 586.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 516.00 586.10 Td (pools ) Tj ET Q q 0 0 0 rg BT 540.35 586.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.10 Td (there ) Tj ET Q q 0 0 0 rg BT 72.49 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 81.66 574.10 Td (a ) Tj ET Q q 0 0 0 rg BT 88.59 574.10 Td (reasonable ) Tj ET Q q 0 0 0 rg BT 133.85 574.10 Td (expectation ) Tj ET Q q 0 0 0 rg BT 182.44 574.10 Td (about ) Tj ET Q q 0 0 0 rg BT 207.15 574.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.87 574.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 254.37 574.10 Td (and ) Tj ET Q q 0 0 0 rg BT 271.30 574.10 Td (timing ) Tj ET Q q 0 0 0 rg BT 299.92 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 310.75 574.10 Td (such ) Tj ET Q q 0 0 0 rg BT 331.58 574.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 351.85 574.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (Substantially ) Tj ET Q q 0 0 0 rg BT 105.02 550.10 Td (all ) Tj ET Q q 0 0 0 rg BT 117.82 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.95 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.97 550.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 167.88 550.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 205.11 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 215.69 550.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 266.25 550.10 Td (with ) Tj ET Q q 0 0 0 rg BT 286.83 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 301.85 550.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 327.44 550.10 Td (displayed ) Tj ET Q q 0 0 0 rg BT 368.56 550.10 Td (at ) Tj ET Q q 0 0 0 rg BT 378.58 550.10 Td (least ) Tj ET Q q 0 0 0 rg BT 399.71 550.10 Td (some ) Tj ET Q q 0 0 0 rg BT 423.62 550.10 Td (level ) Tj ET Q q 0 0 0 rg BT 445.85 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 456.99 550.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 482.55 550.10 Td (deterioration ) Tj ET Q q 0 0 0 rg BT 536.44 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 553.68 550.10 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 538.10 Td (are ) Tj ET Q q 0 0 0 rg BT 85.54 538.10 Td (included ) Tj ET Q q 0 0 0 rg BT 122.47 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 133.30 538.10 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 189.67 538.10 Td (and ) Tj ET Q q 0 0 0 rg BT 206.61 538.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 244.65 538.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 268.26 538.10 Td (as ) Tj ET Q q 0 0 0 rg BT 279.09 538.10 Td (described ) Tj ET Q q 0 0 0 rg BT 319.91 538.10 Td (immediately ) Tj ET Q q 0 0 0 rg BT 372.39 538.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (During ) Tj ET Q q 0 0 0 rg BT 81.10 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.09 514.10 Td (year ) Tj ET Q q 0 0 0 rg BT 116.07 514.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.71 514.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 201.57 514.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 221.57 514.10 Td (, ) Tj ET Q q 0 0 0 rg BT 226.84 514.10 Td (there ) Tj ET Q q 0 0 0 rg BT 249.60 514.10 Td (was ) Tj ET Q q 0 0 0 rg BT 267.92 514.10 Td (a ) Tj ET Q q 0 0 0 rg BT 275.13 514.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 315.68 514.10 Td (for ) Tj ET Q q 0 0 0 rg BT 330.11 514.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 355.64 514.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 382.31 514.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.41 514.10 Td ($144 ) Tj ET Q q 0 0 0 rg BT 416.18 514.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.29 514.10 Td ( ) Tj ET Q q 0 0 0 rg BT 455.06 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.27 514.10 Td (there ) Tj ET Q q 0 0 0 rg BT 495.02 514.10 Td (were ) Tj ET Q q 0 0 0 rg BT 517.22 514.10 Td (net ) Tj ET Q q 0 0 0 rg BT 532.21 514.10 Td (char) Tj ET Q q 0 0 0 rg BT 549.24 514.10 Td (ge-) 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 58.15 502.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 68.19 502.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 79.35 502.10 Td ($1.4 ) Tj ET Q q 0 0 0 rg BT 99.67 502.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.56 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.38 502.10 Td (in ) Tj ET Q q 0 0 0 rg BT 141.98 502.10 Td (relation ) Tj ET Q q 0 0 0 rg BT 175.35 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.95 502.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 229.31 502.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 255.74 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 258.56 502.10 Td (During ) Tj ET Q q 0 0 0 rg BT 289.71 502.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.75 502.10 Td (year ) Tj ET Q q 0 0 0 rg BT 324.78 502.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.48 502.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 410.39 502.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 430.39 502.10 Td (, ) Tj ET Q q 0 0 0 rg BT 435.71 502.10 Td (there ) Tj ET Q q 0 0 0 rg BT 458.52 502.10 Td (was ) Tj ET Q q 0 0 0 rg BT 476.89 502.10 Td (a ) Tj ET Q q 0 0 0 rg BT 484.15 502.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 524.75 502.10 Td (for ) Tj ET Q q 0 0 0 rg BT 539.23 502.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.65 490.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.73 490.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 107.99 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.88 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 139.63 490.10 Td (and ) Tj ET Q q 0 0 0 rg BT 156.83 490.10 Td (net ) Tj ET Q q 0 0 0 rg BT 171.80 490.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 215.64 490.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.73 490.10 Td ($2.8 ) Tj ET Q q 0 0 0 rg BT 246.98 490.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 275.87 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 278.63 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 289.16 490.10 Td (relation ) Tj ET Q q 0 0 0 rg BT 322.46 490.10 Td (to ) Tj ET Q q 0 0 0 rg BT 332.99 490.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 376.29 490.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 404.95 490.10 Td (There ) Tj ET Q q 0 0 0 rg BT 431.02 490.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.33 490.10 Td ($866 ) Tj ET Q q 0 0 0 rg BT 472.08 490.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 508.19 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 510.95 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 521.48 490.10 Td (allowance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.81 478.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 85.18 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 102.77 478.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 125.91 478.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 152.95 478.10 Td (related ) Tj ET Q q 0 0 0 rg BT 183.31 478.10 Td (to ) Tj ET Q q 0 0 0 rg BT 194.24 478.10 Td (these ) Tj ET Q q 0 0 0 rg BT 217.93 478.10 Td (purchased ) Tj ET Q q 0 0 0 rg BT 261.62 478.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 285.88 478.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 296.25 478.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 355.49 478.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 375.49 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 378.64 478.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.23 478.10 Td ($2.1 ) Tj ET Q q 0 0 0 rg BT 416.88 478.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.77 478.10 Td ( ) Tj ET Q q 0 0 0 rg BT 448.93 478.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.29 478.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 518.53 478.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.53 478.10 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 (provision ) Tj ET Q q 0 0 0 rg BT 90.28 466.10 Td (for ) Tj ET Q q 0 0 0 rg BT 104.44 466.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 129.70 466.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 156.09 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 173.03 466.10 Td (accompanying ) Tj ET Q q 0 0 0 rg BT 233.84 466.10 Td (char) Tj ET Q q 0 0 0 rg BT 250.87 466.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 271.79 466.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 281.51 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 296.22 466.10 Td (included ) Tj ET Q q 0 0 0 rg BT 333.15 466.10 Td (in ) Tj ET Q q 0 0 0 rg BT 343.43 466.10 Td (the ) Tj ET Q q 0 0 0 rg BT 358.14 466.10 Td (table ) Tj ET Q q 0 0 0 rg BT 380.08 466.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (Changes ) Tj ET Q q 0 0 0 rg BT 86.54 442.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.41 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 110.73 442.10 Td (accretable ) Tj ET Q q 0 0 0 rg BT 153.35 442.10 Td (yield ) Tj ET Q q 0 0 0 rg BT 175.44 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 189.20 442.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 212.41 442.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 248.93 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 265.46 442.10 Td (accounted ) Tj ET Q q 0 0 0 rg BT 308.10 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 321.85 442.10 Td (under ) Tj ET Q q 0 0 0 rg BT 346.26 442.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 367.66 442.10 Td (T) Tj ET Q q 0 0 0 rg BT 373.07 442.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 392.38 442.10 Td (310-30 ) Tj ET Q q 0 0 0 rg BT 422.81 442.10 Td (were ) Tj ET Q q 0 0 0 rg BT 444.34 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 454.77 442.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 486.87 442.10 Td (for ) Tj ET Q q 0 0 0 rg BT 500.63 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 514.94 442.10 Td (years ) Tj ET Q q 0 0 0 rg BT 538.14 442.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 430.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 430.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.02 430.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.02 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 170.52 430.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 184.13 430.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 375.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 375.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 375.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 375.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 375.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 347.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 347.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 347.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 347.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 347.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 319.60 332.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 382.50 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 386.50 319.60 86.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 319.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 319.60 86.00 -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 386.5 387.6 m 472.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 387.6 m 476.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 387.6 m 562.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 375.6 m 472.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 375.6 m 562.5 375.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 319.6 m 472.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 319.6 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 386.5 319.6 m 472.5 319.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 306.6 m 472.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 386.5 304.6 m 472.5 304.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 319.6 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 476.5 306.6 m 562.5 306.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 304.6 m 562.5 304.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.60 392.28 Td (YearEnded December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 378.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 419.00 378.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 509.00 378.33 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 366.17 Td (Balance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.00 366.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.15 366.17 Td (12,596) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.00 366.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 366.17 Td (7,434) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 352.17 Td (Purchases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 352.17 Td (5,086) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 352.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 338.17 Td (Accretion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 442.80 338.22 Td (\(9,585) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 338.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 338.22 Td (\(9,637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 338.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 324.17 Td (Other ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 78.27 328.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.15 324.17 Td (7,953) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 324.17 Td (14,799) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 310.17 Td (Balance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.00 310.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.15 310.17 Td (16,050) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.00 310.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 310.17 Td (12,596) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.10 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 287.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 283.30 Td (Primarily ) Tj ET Q q 0 0 0 rg BT 122.16 283.30 Td (includes ) Tj ET Q q 0 0 0 rg BT 154.32 283.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 186.99 283.30 Td (transfers ) Tj ET Q q 0 0 0 rg BT 220.14 283.30 Td (from ) Tj ET Q q 0 0 0 rg BT 239.80 283.30 Td (non-accretable ) Tj ET Q q 0 0 0 rg BT 294.94 283.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 327.60 283.30 Td (to ) Tj ET Q q 0 0 0 rg BT 336.77 283.30 Td (accretable ) Tj ET Q q 0 0 0 rg BT 375.40 283.30 Td (discount ) Tj ET Q q 0 0 0 rg BT 408.07 283.30 Td (due ) Tj ET Q q 0 0 0 rg BT 423.23 283.30 Td (to ) Tj ET Q q 0 0 0 rg BT 432.40 283.30 Td (better ) Tj ET Q q 0 0 0 rg BT 455.05 283.30 Td (than ) Tj ET Q q 0 0 0 rg BT 472.71 283.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 506.86 283.30 Td (performance ) Tj ET Q q 0 0 0 rg BT 554.50 283.30 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 272.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 103.75 272.50 Td (pools ) Tj ET Q q 0 0 0 rg BT 125.50 272.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 158.73 272.50 Td (and ) Tj ET Q q 0 0 0 rg BT 173.97 272.50 Td (accounted ) Tj ET Q q 0 0 0 rg BT 212.70 272.50 Td (for ) Tj ET Q q 0 0 0 rg BT 225.45 272.50 Td (under ) Tj ET Q q 0 0 0 rg BT 247.69 272.50 Td (ASC ) Tj ET Q q 0 0 0 rg BT 267.29 272.50 Td (T) Tj ET Q q 0 0 0 rg BT 272.16 272.50 Td (opic ) Tj ET Q q 0 0 0 rg BT 289.90 272.50 Td (310-30.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.50 Td (In ) Tj ET Q q 0 0 0 rg BT 60.24 248.50 Td (our ) Tj ET Q q 0 0 0 rg BT 75.48 248.50 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 134.61 248.50 Td (transactions, ) Tj ET Q q 0 0 0 rg BT 186.78 248.50 Td (the ) Tj ET Q q 0 0 0 rg BT 200.90 248.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 216.69 248.50 Td (value ) Tj ET Q q 0 0 0 rg BT 240.25 248.50 Td (of ) Tj ET Q q 0 0 0 rg BT 250.49 248.50 Td (purchased ) Tj ET Q q 0 0 0 rg BT 292.94 248.50 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 356.48 248.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 382.00 248.50 Td (on ) Tj ET Q q 0 0 0 rg BT 393.90 248.50 Td (the ) Tj ET Q q 0 0 0 rg BT 408.03 248.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 453.82 248.50 Td (date, ) Tj ET Q q 0 0 0 rg BT 474.88 248.50 Td (was ) Tj ET Q q 0 0 0 rg BT 492.34 248.50 Td (determined ) Tj ET Q q 0 0 0 rg BT 539.23 248.50 Td (based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.50 Td (on ) Tj ET Q q 0 0 0 rg BT 62.33 236.50 Td (assigned ) Tj ET Q q 0 0 0 rg BT 99.10 236.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 116.43 236.50 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 148.47 236.50 Td (expected ) Tj ET Q q 0 0 0 rg BT 186.33 236.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 206.43 236.50 Td (flows ) Tj ET Q q 0 0 0 rg BT 230.98 236.50 Td (and ) Tj ET Q q 0 0 0 rg BT 247.75 236.50 Td (the ) Tj ET Q q 0 0 0 rg BT 262.29 236.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 278.50 236.50 Td (value ) Tj ET Q q 0 0 0 rg BT 302.49 236.50 Td (of ) Tj ET Q q 0 0 0 rg BT 313.14 236.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 332.69 236.50 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 374.72 236.50 Td ( ) Tj ET Q q 0 0 0 rg BT 376.88 236.50 Td (The ) Tj ET Q q 0 0 0 rg BT 394.75 236.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 410.96 236.50 Td (value ) Tj ET Q q 0 0 0 rg BT 434.94 236.50 Td (of ) Tj ET Q q 0 0 0 rg BT 445.60 236.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 469.04 236.50 Td (that ) Tj ET Q q 0 0 0 rg BT 486.36 236.50 Td (were ) Tj ET Q q 0 0 0 rg BT 508.12 236.50 Td (non-impaired ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.50 Td (was ) Tj ET Q q 0 0 0 rg BT 68.70 224.50 Td (determined ) Tj ET Q q 0 0 0 rg BT 116.83 224.50 Td (based ) Tj ET Q q 0 0 0 rg BT 142.75 224.50 Td (on ) Tj ET Q q 0 0 0 rg BT 155.90 224.50 Td (estimates ) Tj ET Q q 0 0 0 rg BT 196.26 224.50 Td (of ) Tj ET Q q 0 0 0 rg BT 207.74 224.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 234.78 224.50 Td (on ) Tj ET Q q 0 0 0 rg BT 247.93 224.50 Td (defaults ) Tj ET Q q 0 0 0 rg BT 282.73 224.50 Td (and ) Tj ET Q q 0 0 0 rg BT 300.32 224.50 Td (other ) Tj ET Q q 0 0 0 rg BT 324.02 224.50 Td (market ) Tj ET Q q 0 0 0 rg BT 354.93 224.50 Td (factors. ) Tj ET Q q 0 0 0 rg BT 387.79 224.50 Td ( ) Tj ET Q q 0 0 0 rg BT 390.94 224.50 Td (Due ) Tj ET Q q 0 0 0 rg BT 410.75 224.50 Td (to ) Tj ET Q q 0 0 0 rg BT 421.67 224.50 Td (the ) Tj ET Q q 0 0 0 rg BT 437.04 224.50 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 480.18 224.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 528.86 224.50 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 224.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.50 Td (FDIC, ) Tj ET Q q 0 0 0 rg BT 78.50 212.50 Td (we ) Tj ET Q q 0 0 0 rg BT 93.39 212.50 Td (recorded ) Tj ET Q q 0 0 0 rg BT 131.58 212.50 Td (a ) Tj ET Q q 0 0 0 rg BT 139.24 212.50 Td (receivable ) Tj ET Q q 0 0 0 rg BT 183.54 212.50 Td (\(FDIC ) Tj ET Q q 0 0 0 rg BT 212.88 212.50 Td (indemnification ) Tj ET Q q 0 0 0 rg BT 279.42 212.50 Td (asset\) ) Tj ET Q q 0 0 0 rg BT 305.41 212.50 Td (from ) Tj ET Q q 0 0 0 rg BT 328.07 212.50 Td (the ) Tj ET Q q 0 0 0 rg BT 343.51 212.50 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 369.51 212.50 Td (equal ) Tj ET Q q 0 0 0 rg BT 394.39 212.50 Td (to ) Tj ET Q q 0 0 0 rg BT 405.39 212.50 Td (the ) Tj ET Q q 0 0 0 rg BT 420.83 212.50 Td (present ) Tj ET Q q 0 0 0 rg BT 452.92 212.50 Td (value ) Tj ET Q q 0 0 0 rg BT 477.80 212.50 Td (of ) Tj ET Q q 0 0 0 rg BT 489.35 212.50 Td (the ) Tj ET Q q 0 0 0 rg BT 504.79 212.50 Td (corresponding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.50 Td (reimbursement ) Tj ET Q q 0 0 0 rg BT 112.48 200.50 Td (percentages ) Tj ET Q q 0 0 0 rg BT 162.17 200.50 Td (on ) Tj ET Q q 0 0 0 rg BT 174.67 200.50 Td (the ) Tj ET Q q 0 0 0 rg BT 189.39 200.50 Td (estimated ) Tj ET Q q 0 0 0 rg BT 230.21 200.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 256.60 200.50 Td (embedded ) Tj ET Q q 0 0 0 rg BT 300.20 200.50 Td (in ) Tj ET Q q 0 0 0 rg BT 310.47 200.50 Td (the ) Tj ET Q q 0 0 0 rg BT 325.19 200.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 344.91 200.50 Td (portfolio.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.50 Td (For ) Tj ET Q q 0 0 0 rg BT 65.86 176.50 Td (other ) Tj ET Q q 0 0 0 rg BT 88.38 176.50 Td (loans ) Tj ET Q q 0 0 0 rg BT 111.46 176.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 147.86 176.50 Td (through ) Tj ET Q q 0 0 0 rg BT 180.94 176.50 Td (business ) Tj ET Q q 0 0 0 rg BT 216.81 176.50 Td (combinations, ) Tj ET Q q 0 0 0 rg BT 275.16 176.50 Td (the ) Tj ET Q q 0 0 0 rg BT 289.35 176.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 305.20 176.50 Td (value ) Tj ET Q q 0 0 0 rg BT 328.83 176.50 Td (of ) Tj ET Q q 0 0 0 rg BT 339.13 176.50 Td (purchased ) Tj ET Q q 0 0 0 rg BT 381.64 176.50 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 445.25 176.50 Td (loans, ) Tj ET Q q 0 0 0 rg BT 470.83 176.50 Td (on ) Tj ET Q q 0 0 0 rg BT 482.80 176.50 Td (the ) Tj ET Q q 0 0 0 rg BT 496.99 176.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 542.85 176.50 Td (date, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.50 Td (was ) Tj ET Q q 0 0 0 rg BT 68.11 164.50 Td (determined ) Tj ET Q q 0 0 0 rg BT 115.65 164.50 Td (based ) Tj ET Q q 0 0 0 rg BT 140.97 164.50 Td (on ) Tj ET Q q 0 0 0 rg BT 153.53 164.50 Td (assigned ) Tj ET Q q 0 0 0 rg BT 190.53 164.50 Td (risk ) Tj ET Q q 0 0 0 rg BT 208.08 164.50 Td (ratings, ) Tj ET Q q 0 0 0 rg BT 240.36 164.50 Td (expected ) Tj ET Q q 0 0 0 rg BT 278.45 164.50 Td (cash ) Tj ET Q q 0 0 0 rg BT 298.78 164.50 Td (flows ) Tj ET Q q 0 0 0 rg BT 323.55 164.50 Td (and ) Tj ET Q q 0 0 0 rg BT 340.55 164.50 Td (the ) Tj ET Q q 0 0 0 rg BT 355.33 164.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 371.76 164.50 Td (value ) Tj ET Q q 0 0 0 rg BT 395.97 164.50 Td (of ) Tj ET Q q 0 0 0 rg BT 406.86 164.50 Td (loan ) Tj ET Q q 0 0 0 rg BT 426.63 164.50 Td (collateral. ) Tj ET Q q 0 0 0 rg BT 468.89 164.50 Td ( ) Tj ET Q q 0 0 0 rg BT 471.26 164.50 Td (The ) Tj ET Q q 0 0 0 rg BT 489.37 164.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 505.80 164.50 Td (value ) Tj ET Q q 0 0 0 rg BT 530.01 164.50 Td (of ) Tj ET Q q 0 0 0 rg BT 540.90 164.50 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.50 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 152.50 Td (were ) Tj ET Q q 0 0 0 rg BT 89.42 152.50 Td (non-impaired ) Tj ET Q q 0 0 0 rg BT 145.80 152.50 Td (was ) Tj ET Q q 0 0 0 rg BT 163.85 152.50 Td (determined ) Tj ET Q q 0 0 0 rg BT 211.33 152.50 Td (based ) Tj ET Q q 0 0 0 rg BT 236.60 152.50 Td (on ) Tj ET Q q 0 0 0 rg BT 249.10 152.50 Td (estimates ) Tj ET Q q 0 0 0 rg BT 288.81 152.50 Td (of ) Tj ET Q q 0 0 0 rg BT 299.64 152.50 Td (losses ) Tj ET Q q 0 0 0 rg BT 326.03 152.50 Td (on ) Tj ET Q q 0 0 0 rg BT 338.53 152.50 Td (defaults ) Tj ET Q q 0 0 0 rg BT 372.69 152.50 Td (and ) Tj ET Q q 0 0 0 rg BT 389.62 152.50 Td (other ) Tj ET Q q 0 0 0 rg BT 412.67 152.50 Td (market ) Tj ET Q q 0 0 0 rg BT 442.93 152.50 Td (factors. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.50 Td () Tj ET Q endstream endobj 223 0 obj <> endobj 224 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.85 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.48 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 308.11 31.60 Td (1) Tj ET Q 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 (carrying ) Tj ET Q q 0 0 0 rg BT 103.86 742.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 136.36 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.19 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 170.80 742.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 207.72 742.10 Td (through ) Tj ET Q q 0 0 0 rg BT 241.33 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 248.27 742.10 Td (business ) Tj ET Q q 0 0 0 rg BT 284.66 742.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 337.15 742.10 Td (by ) Tj ET Q q 0 0 0 rg BT 349.65 742.10 Td (pool ) Tj ET Q q 0 0 0 rg BT 369.93 742.10 Td (type ) Tj ET Q q 0 0 0 rg BT 389.64 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.35 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 415.18 742.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 447.68 742.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 461.29 742.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 687.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 687.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 687.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 687.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 687.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 659.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 659.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 659.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 659.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 631.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 631.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 631.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 631.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 603.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 603.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 603.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 603.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 603.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 603.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 603.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 575.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 575.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 575.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 575.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 575.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 575.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 575.60 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 389.5 687.6 m 444.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 687.6 m 503.5 687.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 687.6 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 389.5 575.6 m 444.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 575.6 m 503.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 575.6 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 389.5 561.6 m 444.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 561.6 m 503.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 561.6 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 389.5 548.6 m 444.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 546.6 m 444.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 561.6 m 503.5 561.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 548.6 m 503.5 548.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 546.6 m 503.5 546.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 561.6 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 507.5 548.6 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 507.5 546.6 m 562.5 546.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 181.20 692.05 Td (December 31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 398.55 715.83 Td (Purchased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 404.10 707.83 Td (Credit-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 400.55 699.83 Td (Impaired) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 406.05 691.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 457.55 715.83 Td (Purchased) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.65 707.83 Td (Non-Credit-) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 459.55 699.83 Td (Impaired) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 465.05 691.83 Td (Loans) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 525.75 691.83 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 678.86 Td (Covered loans:) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 441.00 676.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 500.00 676.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 559.00 676.32 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 664.86 Td (Consumer related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 664.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 664.06 Td (16,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 664.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 664.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 664.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 664.06 Td (16,639) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 650.06 Td (Non covered loans:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 650.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 650.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 650.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 636.06 Td (Commercial loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 636.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 636.06 Td (22,257) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 636.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 636.06 Td (797,759) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 636.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 636.06 Td (820,016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 622.06 Td (Commercial loans collateralized by assignment of lease payments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 622.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 622.06 Td (104,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 622.06 Td (104,119) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 608.06 Td (Commercial real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 608.06 Td (46,994) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 608.06 Td (1,278,702) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 608.06 Td (1,325,696) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 594.06 Td (Construction real estate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 594.06 Td (4,832) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.25 594.06 Td (15,336) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 594.06 Td (20,168) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 580.86 Td (Consumer related) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 580.06 Td (6,232) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 470.75 580.06 Td (374,260) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 580.06 Td (380,492) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 566.06 Td (Total non-covered loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 566.06 Td (80,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 566.06 Td (2,570,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 566.06 Td (2,650,491) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 552.06 Td (Total acquired) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 552.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.25 552.06 Td (96,954) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 552.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 464.00 552.06 Td (2,570,176) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 552.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 552.06 Td (2,667,130) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 536.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.10 Td (Purchased ) Tj ET Q q 0 0 0 rg BT 94.59 524.10 Td (credit-impaired ) Tj ET Q q 0 0 0 rg BT 159.72 524.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 184.32 524.10 Td (includes ) Tj ET Q q 0 0 0 rg BT 221.14 524.10 Td (re-purchase ) Tj ET Q q 0 0 0 rg BT 271.27 524.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 322.53 524.10 Td (with ) Tj ET Q q 0 0 0 rg BT 343.80 524.10 Td (GNMA) Tj ET Q q 0 0 0 rg BT 373.81 524.10 Td ( ) Tj ET Q q 0 0 0 rg BT 377.30 524.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.12 524.10 Td ($66.1 ) Tj ET Q q 0 0 0 rg BT 415.12 524.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.01 524.10 Td ( ) Tj ET Q q 0 0 0 rg BT 447.50 524.10 Td (as ) Tj ET Q q 0 0 0 rg BT 459.33 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 471.15 524.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 530.73 524.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 554.22 524.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.10 Td (addition ) Tj ET Q q 0 0 0 rg BT 85.27 512.10 Td (to ) Tj ET Q q 0 0 0 rg BT 95.55 512.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 119.16 512.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 156.08 512.10 Td (through ) Tj ET Q q 0 0 0 rg BT 189.69 512.10 Td (a ) Tj ET Q q 0 0 0 rg BT 196.63 512.10 Td (business ) Tj ET Q q 0 0 0 rg BT 233.02 512.10 Td (combination ) Tj ET Q q 0 0 0 rg BT 285.51 512.10 Td (noted ) Tj ET Q q 0 0 0 rg BT 310.23 512.10 Td (in ) Tj ET Q q 0 0 0 rg BT 320.51 512.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.22 512.10 Td (table ) Tj ET Q q 0 0 0 rg BT 357.16 512.10 Td (above.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.26 488.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 88.31 488.10 Td (April ) Tj ET Q q 0 0 0 rg BT 111.80 488.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 121.68 488.10 Td (2014, ) Tj ET Q q 0 0 0 rg BT 146.56 488.10 Td (the ) Tj ET Q q 0 0 0 rg BT 161.15 488.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 187.42 488.10 Td (on ) Tj ET Q q 0 0 0 rg BT 199.80 488.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 249.37 488.10 Td (related ) Tj ET Q q 0 0 0 rg BT 278.95 488.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 302.44 488.10 Td (\(commercial, ) Tj ET Q q 0 0 0 rg BT 357.84 488.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 407.42 488.10 Td (real ) Tj ET Q q 0 0 0 rg BT 424.78 488.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 449.92 488.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.74 488.10 Td (construction ) Tj ET Q q 0 0 0 rg BT 518.55 488.10 Td (real ) Tj ET Q q 0 0 0 rg BT 535.92 488.10 Td (estate\) ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 86.71 476.10 Td (in ) Tj ET Q q 0 0 0 rg BT 96.78 476.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 142.94 476.10 Td (with ) Tj ET Q q 0 0 0 rg BT 163.01 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.52 476.10 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 214.23 476.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 273.75 476.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 319.91 476.10 Td (ceased ) Tj ET Q q 0 0 0 rg BT 348.84 476.10 Td (being ) Tj ET Q q 0 0 0 rg BT 373.35 476.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 407.29 476.10 Td (under ) Tj ET Q q 0 0 0 rg BT 432.34 476.10 Td (the ) Tj ET Q q 0 0 0 rg BT 446.85 476.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 489.13 476.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 533.06 476.10 Td (for ) Tj ET Q q 0 0 0 rg BT 547.01 476.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.10 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 99.37 464.10 Td ( ) Tj ET Q q 0 0 0 rg BT 102.15 464.10 Td (The ) Tj ET Q q 0 0 0 rg BT 120.70 464.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 157.01 464.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 190.00 464.10 Td (of ) Tj ET Q q 0 0 0 rg BT 201.33 464.10 Td (those ) Tj ET Q q 0 0 0 rg BT 225.44 464.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 249.54 464.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.09 464.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 288.59 464.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 317.48 464.10 Td ( ) Tj ET Q q 0 0 0 rg BT 320.48 464.10 Td (as ) Tj ET Q q 0 0 0 rg BT 331.81 464.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.14 464.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 402.22 464.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.22 464.10 Td (. ) Tj ET Q q 0 0 0 rg BT 427.72 464.10 Td ( ) Tj ET Q q 0 0 0 rg BT 430.05 464.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 450.27 464.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 496.86 464.10 Td (net ) Tj ET Q q 0 0 0 rg BT 512.07 464.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.40 464.10 Td (expenses, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.10 Td (received ) Tj ET Q q 0 0 0 rg BT 86.49 452.10 Td (on ) Tj ET Q q 0 0 0 rg BT 99.13 452.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 148.96 452.10 Td (related ) Tj ET Q q 0 0 0 rg BT 178.79 452.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 202.53 452.10 Td (on ) Tj ET Q q 0 0 0 rg BT 215.16 452.10 Td (which ) Tj ET Q q 0 0 0 rg BT 242.23 452.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 268.75 452.10 Td (were ) Tj ET Q q 0 0 0 rg BT 290.82 452.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 326.76 452.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 348.83 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 358.66 452.10 Td (April ) Tj ET Q q 0 0 0 rg BT 382.40 452.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 392.53 452.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 415.17 452.10 Td (will ) Tj ET Q q 0 0 0 rg BT 433.35 452.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 470.42 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 480.83 452.10 Td (be ) Tj ET Q q 0 0 0 rg BT 492.90 452.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 527.18 452.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 547.58 452.10 Td (any ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.10 Td (such ) Tj ET Q q 0 0 0 rg BT 71.35 440.10 Td (net ) Tj ET Q q 0 0 0 rg BT 86.59 440.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 130.69 440.10 Td (must ) Tj ET Q q 0 0 0 rg BT 153.16 440.10 Td (be ) Tj ET Q q 0 0 0 rg BT 165.62 440.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 194.74 440.10 Td (with ) Tj ET Q q 0 0 0 rg BT 215.53 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 230.77 440.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 256.57 440.10 Td (in ) Tj ET Q q 0 0 0 rg BT 267.37 440.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 315.35 440.10 Td (with ) Tj ET Q q 0 0 0 rg BT 336.15 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 351.39 440.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 394.40 440.10 Td (agreement\) ) Tj ET Q q 0 0 0 rg BT 442.39 440.10 Td (through ) Tj ET Q q 0 0 0 rg BT 476.52 440.10 Td (March ) Tj ET Q q 0 0 0 rg BT 505.64 440.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 521.16 440.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 546.46 440.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.27 428.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.66 428.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 129.91 428.10 Td (related ) Tj ET Q q 0 0 0 rg BT 159.50 428.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 182.99 428.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 219.79 428.10 Td (in ) Tj ET Q q 0 0 0 rg BT 229.95 428.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 276.21 428.10 Td (with ) Tj ET Q q 0 0 0 rg BT 296.37 428.10 Td (the ) Tj ET Q q 0 0 0 rg BT 310.97 428.10 Td (Heritage ) Tj ET Q q 0 0 0 rg BT 347.77 428.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 407.38 428.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 453.63 428.10 Td (will ) Tj ET Q q 0 0 0 rg BT 471.57 428.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 508.38 428.10 Td (to ) Tj ET Q q 0 0 0 rg BT 518.54 428.10 Td (be ) Tj ET Q q 0 0 0 rg BT 530.36 428.10 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.10 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 416.10 Td (the ) Tj ET Q q 0 0 0 rg BT 89.99 416.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 132.48 416.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 176.62 416.10 Td (through ) Tj ET Q q 0 0 0 rg BT 210.22 416.10 Td (March ) Tj ET Q q 0 0 0 rg BT 238.82 416.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 253.82 416.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.21 392.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 92.77 392.10 Td (on ) Tj ET Q q 0 0 0 rg BT 104.43 392.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 153.29 392.10 Td (related ) Tj ET Q q 0 0 0 rg BT 182.16 392.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 204.93 392.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 241.02 392.10 Td (in ) Tj ET Q q 0 0 0 rg BT 250.46 392.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 296.00 392.10 Td (with ) Tj ET Q q 0 0 0 rg BT 315.44 392.10 Td (the ) Tj ET Q q 0 0 0 rg BT 329.32 392.10 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 377.08 392.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 435.96 392.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 481.50 392.10 Td (ceased ) Tj ET Q q 0 0 0 rg BT 509.81 392.10 Td (to ) Tj ET Q q 0 0 0 rg BT 519.25 392.10 Td (be ) Tj ET Q q 0 0 0 rg BT 530.35 392.10 Td (covered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.10 Td (under ) Tj ET Q q 0 0 0 rg BT 74.66 380.10 Td (the ) Tj ET Q q 0 0 0 rg BT 88.76 380.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 130.64 380.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 174.17 380.10 Td (for ) Tj ET Q q 0 0 0 rg BT 187.72 380.10 Td (that ) Tj ET Q q 0 0 0 rg BT 204.60 380.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 250.36 380.10 Td (ef) Tj ET Q q 0 0 0 rg BT 257.95 380.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 287.04 380.10 Td (January ) Tj ET Q q 0 0 0 rg BT 320.03 380.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 329.42 380.10 Td (2015. ) Tj ET Q q 0 0 0 rg BT 353.81 380.10 Td ( ) Tj ET Q q 0 0 0 rg BT 355.56 380.10 Td (The ) Tj ET Q q 0 0 0 rg BT 373.00 380.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 408.20 380.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 440.08 380.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.30 380.10 Td (those ) Tj ET Q q 0 0 0 rg BT 473.30 380.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 496.30 380.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.74 380.10 Td ($1.6 ) Tj ET Q q 0 0 0 rg BT 533.13 380.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.10 Td (as ) Tj ET Q q 0 0 0 rg BT 60.80 368.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.60 368.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 130.15 368.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.15 368.10 Td (. ) Tj ET Q q 0 0 0 rg BT 155.12 368.10 Td ( ) Tj ET Q q 0 0 0 rg BT 157.05 368.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 176.74 368.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 222.79 368.10 Td (net ) Tj ET Q q 0 0 0 rg BT 237.48 368.10 Td (of ) Tj ET Q q 0 0 0 rg BT 248.28 368.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 289.35 368.10 Td (received ) Tj ET Q q 0 0 0 rg BT 325.68 368.10 Td (on ) Tj ET Q q 0 0 0 rg BT 338.15 368.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 387.82 368.10 Td (related ) Tj ET Q q 0 0 0 rg BT 417.49 368.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 441.07 368.10 Td (on ) Tj ET Q q 0 0 0 rg BT 453.54 368.10 Td (which ) Tj ET Q q 0 0 0 rg BT 480.44 368.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 506.81 368.10 Td (were ) Tj ET Q q 0 0 0 rg BT 528.70 368.10 Td (incurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 72.30 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 82.94 356.10 Td (January ) Tj ET Q q 0 0 0 rg BT 116.91 356.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 127.27 356.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 150.13 356.10 Td (will ) Tj ET Q q 0 0 0 rg BT 168.55 356.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 205.85 356.10 Td (to ) Tj ET Q q 0 0 0 rg BT 216.49 356.10 Td (be ) Tj ET Q q 0 0 0 rg BT 228.80 356.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 263.31 356.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 283.94 356.10 Td (any ) Tj ET Q q 0 0 0 rg BT 301.24 356.10 Td (such ) Tj ET Q q 0 0 0 rg BT 322.43 356.10 Td (net ) Tj ET Q q 0 0 0 rg BT 337.51 356.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 381.46 356.10 Td (must ) Tj ET Q q 0 0 0 rg BT 403.77 356.10 Td (be ) Tj ET Q q 0 0 0 rg BT 416.08 356.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 445.04 356.10 Td (with ) Tj ET Q q 0 0 0 rg BT 465.68 356.10 Td (the ) Tj ET Q q 0 0 0 rg BT 480.76 356.10 Td (FDIC ) Tj ET Q q 0 0 0 rg BT 506.41 356.10 Td (in ) Tj ET Q q 0 0 0 rg BT 517.05 356.10 Td (accordance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.10 Td (with ) Tj ET Q q 0 0 0 rg BT 70.32 344.10 Td (the ) Tj ET Q q 0 0 0 rg BT 85.07 344.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 127.60 344.10 Td (agreements\) ) Tj ET Q q 0 0 0 rg BT 179.00 344.10 Td (through ) Tj ET Q q 0 0 0 rg BT 212.65 344.10 Td (December ) Tj ET Q q 0 0 0 rg BT 256.27 344.10 Td (31, ) Tj ET Q q 0 0 0 rg BT 271.31 344.10 Td (2017. ) Tj ET Q q 0 0 0 rg BT 296.34 344.10 Td ( ) Tj ET Q q 0 0 0 rg BT 298.70 344.10 Td (The ) Tj ET Q q 0 0 0 rg BT 316.78 344.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 343.21 344.10 Td (on ) Tj ET Q q 0 0 0 rg BT 355.75 344.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 397.17 344.10 Td (related ) Tj ET Q q 0 0 0 rg BT 426.91 344.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 450.55 344.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 487.52 344.10 Td (in ) Tj ET Q q 0 0 0 rg BT 497.83 344.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 544.24 344.10 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 65.45 332.10 Td (Benchmark ) Tj ET Q q 0 0 0 rg BT 114.78 332.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 175.24 332.10 Td (transaction ) Tj ET Q q 0 0 0 rg BT 222.35 332.10 Td (will ) Tj ET Q q 0 0 0 rg BT 241.14 332.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 278.81 332.10 Td (to ) Tj ET Q q 0 0 0 rg BT 289.83 332.10 Td (be ) Tj ET Q q 0 0 0 rg BT 302.50 332.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 337.38 332.10 Td (under ) Tj ET Q q 0 0 0 rg BT 363.39 332.10 Td (the ) Tj ET Q q 0 0 0 rg BT 378.84 332.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 422.07 332.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 470.84 332.10 Td (through ) Tj ET Q q 0 0 0 rg BT 505.18 332.10 Td (December ) Tj ET Q q 0 0 0 rg BT 549.50 332.10 Td (31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.10 Td (2019.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.10 Td (Ef) Tj ET Q q 0 0 0 rg BT 59.26 296.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 89.27 296.10 Td (July ) Tj ET Q q 0 0 0 rg BT 108.76 296.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 119.07 296.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 144.39 296.10 Td (the ) Tj ET Q q 0 0 0 rg BT 159.42 296.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 186.12 296.10 Td (on ) Tj ET Q q 0 0 0 rg BT 198.94 296.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 248.95 296.10 Td (related ) Tj ET Q q 0 0 0 rg BT 278.96 296.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 302.89 296.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 340.12 296.10 Td (in ) Tj ET Q q 0 0 0 rg BT 350.72 296.10 Td (connection ) Tj ET Q q 0 0 0 rg BT 397.40 296.10 Td (with ) Tj ET Q q 0 0 0 rg BT 417.99 296.10 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 461.91 296.10 Td (and ) Tj ET Q q 0 0 0 rg BT 479.16 296.10 Td (New ) Tj ET Q q 0 0 0 rg BT 500.85 296.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 535.89 296.10 Td (FDIC-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.10 Td (assisted ) Tj ET Q q 0 0 0 rg BT 83.66 284.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 133.98 284.10 Td (ceased ) Tj ET Q q 0 0 0 rg BT 163.18 284.10 Td (to ) Tj ET Q q 0 0 0 rg BT 173.51 284.10 Td (be ) Tj ET Q q 0 0 0 rg BT 185.50 284.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 219.70 284.10 Td (under ) Tj ET Q q 0 0 0 rg BT 245.02 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.79 284.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 302.34 284.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 350.42 284.10 Td (for ) Tj ET Q q 0 0 0 rg BT 364.64 284.10 Td (those ) Tj ET Q q 0 0 0 rg BT 388.30 284.10 Td (transactions. ) Tj ET Q q 0 0 0 rg BT 441.12 284.10 Td ( ) Tj ET Q q 0 0 0 rg BT 443.49 284.10 Td (The ) Tj ET Q q 0 0 0 rg BT 461.59 284.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 497.46 284.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 530.01 284.10 Td (of ) Tj ET Q q 0 0 0 rg BT 540.89 284.10 Td (those ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.03 272.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.51 272.10 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 109.93 272.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.82 272.10 Td ( ) Tj ET Q q 0 0 0 rg BT 140.74 272.10 Td (as ) Tj ET Q q 0 0 0 rg BT 151.00 272.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 161.25 272.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 219.26 272.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.26 272.10 Td (. ) Tj ET Q q 0 0 0 rg BT 243.68 272.10 Td ( ) Tj ET Q q 0 0 0 rg BT 245.60 272.10 Td ( ) Tj ET Q q 0 0 0 rg BT 247.10 272.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 266.24 272.10 Td (recoveries, ) Tj ET Q q 0 0 0 rg BT 311.75 272.10 Td (net ) Tj ET Q q 0 0 0 rg BT 325.89 272.10 Td (of ) Tj ET Q q 0 0 0 rg BT 336.14 272.10 Td (expenses, ) Tj ET Q q 0 0 0 rg BT 376.67 272.10 Td (received ) Tj ET Q q 0 0 0 rg BT 412.45 272.10 Td (on ) Tj ET Q q 0 0 0 rg BT 424.37 272.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 473.49 272.10 Td (related ) Tj ET Q q 0 0 0 rg BT 502.62 272.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 525.65 272.10 Td (on ) Tj ET Q q 0 0 0 rg BT 537.57 272.10 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 260.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 76.22 260.10 Td (were ) Tj ET Q q 0 0 0 rg BT 97.98 260.10 Td (incurred ) Tj ET Q q 0 0 0 rg BT 133.62 260.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 155.39 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 165.49 260.10 Td (July ) Tj ET Q q 0 0 0 rg BT 184.49 260.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 194.32 260.10 Td (2015 ) Tj ET Q q 0 0 0 rg BT 216.65 260.10 Td (will ) Tj ET Q q 0 0 0 rg BT 234.53 260.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 271.29 260.10 Td (to ) Tj ET Q q 0 0 0 rg BT 281.40 260.10 Td (be ) Tj ET Q q 0 0 0 rg BT 293.17 260.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 327.14 260.10 Td (\(and ) Tj ET Q q 0 0 0 rg BT 347.24 260.10 Td (any ) Tj ET Q q 0 0 0 rg BT 364.00 260.10 Td (such ) Tj ET Q q 0 0 0 rg BT 384.66 260.10 Td (net ) Tj ET Q q 0 0 0 rg BT 399.21 260.10 Td (recoveries ) Tj ET Q q 0 0 0 rg BT 442.62 260.10 Td (must ) Tj ET Q q 0 0 0 rg BT 464.40 260.10 Td (be ) Tj ET Q q 0 0 0 rg BT 476.16 260.10 Td (shared ) Tj ET Q q 0 0 0 rg BT 504.59 260.10 Td (with ) Tj ET Q q 0 0 0 rg BT 524.70 260.10 Td (the ) Tj ET Q q 0 0 0 rg BT 539.24 260.10 Td (FDIC ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 248.10 Td (in ) Tj ET Q q 0 0 0 rg BT 59.64 248.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 106.45 248.10 Td (with ) Tj ET Q q 0 0 0 rg BT 126.09 248.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.16 248.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 182.01 248.10 Td (agreements\) ) Tj ET Q q 0 0 0 rg BT 232.73 248.10 Td (through ) Tj ET Q q 0 0 0 rg BT 265.69 248.10 Td (June ) Tj ET Q q 0 0 0 rg BT 285.88 248.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 300.24 248.10 Td (2018. ) Tj ET Q q 0 0 0 rg BT 324.46 248.10 Td (The ) Tj ET Q q 0 0 0 rg BT 341.86 248.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 367.61 248.10 Td (on ) Tj ET Q q 0 0 0 rg BT 379.47 248.10 Td (consumer ) Tj ET Q q 0 0 0 rg BT 420.20 248.10 Td (related ) Tj ET Q q 0 0 0 rg BT 449.26 248.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 472.23 248.10 Td (acquired ) Tj ET Q q 0 0 0 rg BT 508.51 248.10 Td (in ) Tj ET Q q 0 0 0 rg BT 518.14 248.10 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.10 Td (with ) Tj ET Q q 0 0 0 rg BT 71.21 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 86.86 236.10 Td (Broadway ) Tj ET Q q 0 0 0 rg BT 131.39 236.10 Td (and ) Tj ET Q q 0 0 0 rg BT 149.26 236.10 Td (New ) Tj ET Q q 0 0 0 rg BT 171.58 236.10 Td (Century ) Tj ET Q q 0 0 0 rg BT 207.23 236.10 Td (FDIC-assisted ) Tj ET Q q 0 0 0 rg BT 267.88 236.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 319.08 236.10 Td (will ) Tj ET Q q 0 0 0 rg BT 338.07 236.10 Td (continue ) Tj ET Q q 0 0 0 rg BT 375.93 236.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.14 236.10 Td (be ) Tj ET Q q 0 0 0 rg BT 400.01 236.10 Td (covered ) Tj ET Q q 0 0 0 rg BT 435.09 236.10 Td (under ) Tj ET Q q 0 0 0 rg BT 461.29 236.10 Td (the ) Tj ET Q q 0 0 0 rg BT 476.94 236.10 Td (loss-share ) Tj ET Q q 0 0 0 rg BT 520.37 236.10 Td (agreement ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.10 Td (through ) Tj ET Q q 0 0 0 rg BT 83.61 224.10 Td (June ) Tj ET Q q 0 0 0 rg BT 104.44 224.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 119.44 224.10 Td (2020.) Tj ET Q endstream endobj 225 0 obj <> endobj 226 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (12) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 6. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Lease Investments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.56 718.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 91.56 718.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 129.57 718.25 Td (is ) Tj ET Q q 0 0 0 rg BT 139.26 718.25 Td (comprised ) Tj ET Q q 0 0 0 rg BT 183.93 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 195.27 718.25 Td (various ) Tj ET Q q 0 0 0 rg BT 227.73 718.25 Td (types ) Tj ET Q q 0 0 0 rg BT 251.85 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.20 718.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 310.92 718.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 351.14 718.25 Td (technology ) Tj ET Q q 0 0 0 rg BT 398.59 718.25 Td (related, ) Tj ET Q q 0 0 0 rg BT 431.31 718.25 Td (including ) Tj ET Q q 0 0 0 rg BT 472.09 718.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 512.87 718.25 Td (systems ) Tj ET Q q 0 0 0 rg BT 547.56 718.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (satellite ) Tj ET Q q 0 0 0 rg BT 83.60 706.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 130.81 706.25 Td (material ) Tj ET Q q 0 0 0 rg BT 166.07 706.25 Td (handling ) Tj ET Q q 0 0 0 rg BT 203.56 706.25 Td (and ) Tj ET Q q 0 0 0 rg BT 220.50 706.25 Td (general ) Tj ET Q q 0 0 0 rg BT 252.43 706.25 Td (manufacturing ) Tj ET Q q 0 0 0 rg BT 313.24 706.25 Td (equipment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (Lease ) Tj ET Q q 0 0 0 rg BT 75.82 682.25 Td (investments ) Tj ET Q q 0 0 0 rg BT 126.09 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 138.59 682.25 Td (categories ) Tj ET Q q 0 0 0 rg BT 181.62 682.25 Td (follow ) Tj ET Q q 0 0 0 rg BT 210.23 682.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 223.84 682.25 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 635.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 635.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 635.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 635.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 635.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 607.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 607.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 607.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 607.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 607.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 579.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 579.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 579.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 579.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 579.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 551.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 551.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 551.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 551.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 551.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 523.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 523.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 523.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 523.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 523.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 495.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 495.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 495.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 495.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 495.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 467.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 467.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 467.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 467.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 467.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 439.75 372.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 439.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 439.75 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 439.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 439.75 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 426.5 647.75 m 492.5 647.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 647.75 m 496.5 647.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 647.75 m 562.5 647.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 647.75 m 492.5 647.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 635.75 m 492.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 647.75 m 562.5 647.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 635.75 m 562.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 579.75 m 492.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 566.75 m 492.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 564.75 m 492.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 579.75 m 562.5 579.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 566.75 m 562.5 566.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 564.75 m 562.5 564.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 495.75 m 492.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 482.75 m 492.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 480.75 m 492.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 495.75 m 562.5 495.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 482.75 m 562.5 482.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 480.75 m 562.5 480.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 439.75 m 492.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 439.75 m 562.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 439.75 m 492.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 426.75 m 492.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 424.75 m 492.5 424.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 439.75 m 562.5 439.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 426.75 m 562.5 426.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 424.75 m 562.5 424.75 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 650.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 464.90 650.48 Td (December31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 638.48 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 449.00 638.48 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 519.00 638.48 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 626.32 Td (Direct finance leases:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 626.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 626.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 612.32 Td (Minimum lease payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 612.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 612.32 Td (433,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 612.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 612.32 Td (392,901) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 598.32 Td (Estimated unguaranteed residual values) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 598.32 Td (78,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 598.32 Td (74,411) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 584.32 Td (Less: unearned income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 584.37 Td (\(36,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 584.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 584.37 Td (\(34,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 584.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 570.32 Td (Direct finance leases ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 138.79 574.85 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 570.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 570.32 Td (475,380) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 570.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 570.32 Td (432,637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 556.32 Td (Leveraged leases:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 556.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 556.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 542.32 Td (Minimum lease payments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 542.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 542.32 Td (821) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 542.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 542.32 Td (3,286) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 528.32 Td (Estimated unguaranteed residual values) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 528.32 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 528.32 Td (523) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 514.32 Td (Less: unearned income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.30 514.37 Td (\(25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 514.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 514.37 Td (\(126) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 514.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 500.32 Td (Less: related non-recourse debt) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.30 500.37 Td (\(803) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 500.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 500.37 Td (\(3,199) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 500.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 486.32 Td (Leveraged leases ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 124.07 490.85 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 486.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.65 486.32 Td (101) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 486.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 486.32 Td (484) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 472.32 Td (Operating leases:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.00 472.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 559.00 472.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 458.32 Td (Equipment, at cost) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 458.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 458.32 Td (440,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 458.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 458.32 Td (318,843) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 444.32 Td (Less accumulated depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 444.37 Td (\(129,534) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.65 444.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 444.37 Td (\(107,156) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 444.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 430.32 Td (Lease investments, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 430.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 430.32 Td (311,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 430.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 430.32 Td (211,687) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 414.25 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 407.53 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 403.45 Td (Direct ) Tj ET Q q 0 0 0 rg BT 110.74 403.45 Td (finance ) Tj ET Q q 0 0 0 rg BT 139.47 403.45 Td (and ) Tj ET Q q 0 0 0 rg BT 154.71 403.45 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 191.94 403.45 Td (leases ) Tj ET Q q 0 0 0 rg BT 215.68 403.45 Td (are ) Tj ET Q q 0 0 0 rg BT 228.91 403.45 Td (included ) Tj ET Q q 0 0 0 rg BT 262.15 403.45 Td (as ) Tj ET Q q 0 0 0 rg BT 271.90 403.45 Td (commercial ) Tj ET Q q 0 0 0 rg BT 316.63 403.45 Td (loans ) Tj ET Q q 0 0 0 rg BT 337.88 403.45 Td (collateralized ) Tj ET Q q 0 0 0 rg BT 388.59 403.45 Td (by ) Tj ET Q q 0 0 0 rg BT 399.84 403.45 Td (assignment ) Tj ET Q q 0 0 0 rg BT 442.59 403.45 Td (of ) Tj ET Q q 0 0 0 rg BT 452.34 403.45 Td (lease ) Tj ET Q q 0 0 0 rg BT 472.57 403.45 Td (payments ) Tj ET Q q 0 0 0 rg BT 509.32 403.45 Td (for ) Tj ET Q q 0 0 0 rg BT 522.06 403.45 Td (financial ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 392.65 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 392.65 Td (statement ) Tj ET Q q 0 0 0 rg BT 122.74 392.65 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.65 Td (Leases ) Tj ET Q q 0 0 0 rg BT 80.13 368.65 Td (that ) Tj ET Q q 0 0 0 rg BT 98.05 368.65 Td (transfer ) Tj ET Q q 0 0 0 rg BT 131.51 368.65 Td (substantially ) Tj ET Q q 0 0 0 rg BT 184.98 368.65 Td (all ) Tj ET Q q 0 0 0 rg BT 197.90 368.65 Td (of ) Tj ET Q q 0 0 0 rg BT 209.15 368.65 Td (the ) Tj ET Q q 0 0 0 rg BT 224.29 368.65 Td (benefits ) Tj ET Q q 0 0 0 rg BT 258.87 368.65 Td (and ) Tj ET Q q 0 0 0 rg BT 276.23 368.65 Td (risk ) Tj ET Q q 0 0 0 rg BT 294.15 368.65 Td (related ) Tj ET Q q 0 0 0 rg BT 324.27 368.65 Td (to ) Tj ET Q q 0 0 0 rg BT 334.98 368.65 Td (the ) Tj ET Q q 0 0 0 rg BT 350.11 368.65 Td (equipment ) Tj ET Q q 0 0 0 rg BT 395.25 368.65 Td (ownership ) Tj ET Q q 0 0 0 rg BT 439.83 368.65 Td (are ) Tj ET Q q 0 0 0 rg BT 454.96 368.65 Td (classified ) Tj ET Q q 0 0 0 rg BT 495.65 368.65 Td (as ) Tj ET Q q 0 0 0 rg BT 506.90 368.65 Td (direct ) Tj ET Q q 0 0 0 rg BT 532.59 368.65 Td (finance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.65 Td (leases. ) Tj ET Q q 0 0 0 rg BT 79.76 356.65 Td (If ) Tj ET Q q 0 0 0 rg BT 89.79 356.65 Td (these ) Tj ET Q q 0 0 0 rg BT 113.72 356.65 Td (direct ) Tj ET Q q 0 0 0 rg BT 139.86 356.65 Td (finance ) Tj ET Q q 0 0 0 rg BT 172.67 356.65 Td (leases ) Tj ET Q q 0 0 0 rg BT 199.92 356.65 Td (have ) Tj ET Q q 0 0 0 rg BT 222.18 356.65 Td (non-recourse ) Tj ET Q q 0 0 0 rg BT 277.75 356.65 Td (debt ) Tj ET Q q 0 0 0 rg BT 298.35 356.65 Td (associated ) Tj ET Q q 0 0 0 rg BT 342.82 356.65 Td (with ) Tj ET Q q 0 0 0 rg BT 363.98 356.65 Td (them ) Tj ET Q q 0 0 0 rg BT 387.35 356.65 Td (and ) Tj ET Q q 0 0 0 rg BT 405.17 356.65 Td (meet ) Tj ET Q q 0 0 0 rg BT 427.98 356.65 Td (the ) Tj ET Q q 0 0 0 rg BT 443.58 356.65 Td (additional ) Tj ET Q q 0 0 0 rg BT 486.95 356.65 Td (requirements ) Tj ET Q q 0 0 0 rg BT 542.53 356.65 Td (for ) Tj ET Q q 0 0 0 rg BT 557.57 356.65 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.65 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 91.58 344.65 Td (lease, ) Tj ET Q q 0 0 0 rg BT 116.79 344.65 Td (they ) Tj ET Q q 0 0 0 rg BT 136.72 344.65 Td (are ) Tj ET Q q 0 0 0 rg BT 151.65 344.65 Td (further ) Tj ET Q q 0 0 0 rg BT 181.57 344.65 Td (classified ) Tj ET Q q 0 0 0 rg BT 222.05 344.65 Td (as ) Tj ET Q q 0 0 0 rg BT 233.10 344.65 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 274.68 344.65 Td (leases, ) Tj ET Q q 0 0 0 rg BT 303.78 344.65 Td (and ) Tj ET Q q 0 0 0 rg BT 320.94 344.65 Td (the ) Tj ET Q q 0 0 0 rg BT 335.87 344.65 Td (associated ) Tj ET Q q 0 0 0 rg BT 379.69 344.65 Td (debt ) Tj ET Q q 0 0 0 rg BT 399.62 344.65 Td (is ) Tj ET Q q 0 0 0 rg BT 409.01 344.65 Td (netted ) Tj ET Q q 0 0 0 rg BT 436.16 344.65 Td (with ) Tj ET Q q 0 0 0 rg BT 456.66 344.65 Td (the ) Tj ET Q q 0 0 0 rg BT 471.59 344.65 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 520.98 344.65 Td (balance ) Tj ET Q q 0 0 0 rg BT 554.23 344.65 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.65 Td (the ) Tj ET Q q 0 0 0 rg BT 64.73 332.65 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 117.79 332.65 Td (financial ) Tj ET Q q 0 0 0 rg BT 155.28 332.65 Td (statements. ) Tj ET Q q 0 0 0 rg BT 202.51 332.65 Td (Interest ) Tj ET Q q 0 0 0 rg BT 235.01 332.65 Td (income ) Tj ET Q q 0 0 0 rg BT 266.96 332.65 Td (on ) Tj ET Q q 0 0 0 rg BT 279.47 332.65 Td (direct ) Tj ET Q q 0 0 0 rg BT 304.75 332.65 Td (finance ) Tj ET Q q 0 0 0 rg BT 336.69 332.65 Td (and ) Tj ET Q q 0 0 0 rg BT 353.64 332.65 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 395.02 332.65 Td (leases ) Tj ET Q q 0 0 0 rg BT 421.41 332.65 Td (is ) Tj ET Q q 0 0 0 rg BT 430.60 332.65 Td (recognized ) Tj ET Q q 0 0 0 rg BT 476.97 332.65 Td (using ) Tj ET Q q 0 0 0 rg BT 501.16 332.65 Td (methods ) Tj ET Q q 0 0 0 rg BT 537.56 332.65 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.65 Td (approximate ) Tj ET Q q 0 0 0 rg BT 102.70 320.65 Td (a ) Tj ET Q q 0 0 0 rg BT 109.86 320.65 Td (level ) Tj ET Q q 0 0 0 rg BT 132.02 320.65 Td (yield ) Tj ET Q q 0 0 0 rg BT 154.73 320.65 Td (over ) Tj ET Q q 0 0 0 rg BT 175.22 320.65 Td (the ) Tj ET Q q 0 0 0 rg BT 190.16 320.65 Td (term ) Tj ET Q q 0 0 0 rg BT 211.21 320.65 Td (of ) Tj ET Q q 0 0 0 rg BT 222.26 320.65 Td (the ) Tj ET Q q 0 0 0 rg BT 237.20 320.65 Td (lease. ) Tj ET Q q 0 0 0 rg BT 262.40 320.65 Td ( ) Tj ET Q q 0 0 0 rg BT 265.12 320.65 Td (Operating ) Tj ET Q q 0 0 0 rg BT 307.83 320.65 Td (leases ) Tj ET Q q 0 0 0 rg BT 334.43 320.65 Td (are ) Tj ET Q q 0 0 0 rg BT 349.36 320.65 Td (investments ) Tj ET Q q 0 0 0 rg BT 399.85 320.65 Td (in ) Tj ET Q q 0 0 0 rg BT 410.35 320.65 Td (equipment ) Tj ET Q q 0 0 0 rg BT 455.28 320.65 Td (leased ) Tj ET Q q 0 0 0 rg BT 482.99 320.65 Td (to ) Tj ET Q q 0 0 0 rg BT 493.49 320.65 Td (other ) Tj ET Q q 0 0 0 rg BT 516.76 320.65 Td (companies, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.65 Td (where ) Tj ET Q q 0 0 0 rg BT 77.56 308.65 Td (the ) Tj ET Q q 0 0 0 rg BT 92.92 308.65 Td (residual ) Tj ET Q q 0 0 0 rg BT 127.71 308.65 Td (component ) Tj ET Q q 0 0 0 rg BT 175.28 308.65 Td (makes ) Tj ET Q q 0 0 0 rg BT 203.96 308.65 Td (up ) Tj ET Q q 0 0 0 rg BT 217.10 308.65 Td (more ) Tj ET Q q 0 0 0 rg BT 240.78 308.65 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.13 308.65 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.46 308.65 Td ( ) Tj ET Q q 0 0 0 rg BT 282.60 308.65 Td (of ) Tj ET Q q 0 0 0 rg BT 294.07 308.65 Td (the ) Tj ET Q q 0 0 0 rg BT 309.42 308.65 Td (investment. ) Tj ET Q q 0 0 0 rg BT 361.21 308.65 Td (The ) Tj ET Q q 0 0 0 rg BT 379.89 308.65 Td (Company ) Tj ET Q q 0 0 0 rg BT 421.92 308.65 Td (funds ) Tj ET Q q 0 0 0 rg BT 447.28 308.65 Td (most ) Tj ET Q q 0 0 0 rg BT 469.86 308.65 Td (of ) Tj ET Q q 0 0 0 rg BT 481.33 308.65 Td (the ) Tj ET Q q 0 0 0 rg BT 496.68 308.65 Td (lease ) Tj ET Q q 0 0 0 rg BT 519.80 308.65 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.65 Td (purchases ) Tj ET Q q 0 0 0 rg BT 92.25 296.65 Td (internally) Tj ET Q q 0 0 0 rg BT 129.92 296.65 Td (, ) Tj ET Q q 0 0 0 rg BT 135.24 296.65 Td (but ) Tj ET Q q 0 0 0 rg BT 150.84 296.65 Td (has ) Tj ET Q q 0 0 0 rg BT 166.99 296.65 Td (some ) Tj ET Q q 0 0 0 rg BT 190.92 296.65 Td (loans ) Tj ET Q q 0 0 0 rg BT 214.85 296.65 Td (at ) Tj ET Q q 0 0 0 rg BT 224.89 296.65 Td (other ) Tj ET Q q 0 0 0 rg BT 248.26 296.65 Td (banks ) Tj ET Q q 0 0 0 rg BT 274.41 296.65 Td (which ) Tj ET Q q 0 0 0 rg BT 301.67 296.65 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 331.70 296.65 Td ($66.9 ) Tj ET Q q 0 0 0 rg BT 357.02 296.65 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.92 296.65 Td ( ) Tj ET Q q 0 0 0 rg BT 388.74 296.65 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.78 296.65 Td (December31, ) Tj ET Q q 0 0 0 rg BT 457.68 296.65 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.68 296.65 Td ( ) Tj ET Q q 0 0 0 rg BT 480.50 296.65 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.76 296.65 Td ($55.0 ) Tj ET Q q 0 0 0 rg BT 523.08 296.65 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.97 296.65 Td ( ) Tj ET Q q 0 0 0 rg BT 554.80 296.65 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.65 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 284.65 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 284.65 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 272.65 Td () Tj ET Q endstream endobj 227 0 obj <> endobj 228 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (13) Tj ET Q 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 67.57 742.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 108.49 742.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 130.50 742.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 170.85 742.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 213.96 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 227.65 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.89 742.10 Td (various ) Tj ET Q q 0 0 0 rg BT 273.35 742.10 Td (categories ) Tj ET Q q 0 0 0 rg BT 315.91 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 326.27 742.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 352.17 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 366.41 742.10 Td (due ) Tj ET Q q 0 0 0 rg BT 382.87 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 393.23 742.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 425.25 742.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 438.39 742.10 Td (thousands\) ) Tj ET Q q 0 0 0 rg BT 483.75 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 497.43 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 511.67 742.10 Td (years ) Tj ET Q q 0 0 0 rg BT 534.80 742.10 Td (ending ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (December31,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 675.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 675.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 675.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 675.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 675.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 675.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 675.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 675.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 675.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 647.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 647.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 647.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 647.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 647.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 647.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 647.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 647.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 647.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 619.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 619.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 619.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 619.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 619.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 619.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 619.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 619.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 619.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 591.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 591.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 591.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 591.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 591.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 591.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 591.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 591.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 591.60 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 286.5 675.6 m 352.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 675.6 m 422.5 675.6 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 492.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 675.6 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 286.5 591.6 m 352.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 591.6 m 422.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 591.6 m 492.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 591.6 m 352.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 578.6 m 352.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 576.6 m 352.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 591.6 m 422.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 578.6 m 422.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 576.6 m 422.5 576.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 591.6 m 492.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 578.6 m 492.5 578.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 576.6 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 496.5 591.6 m 562.5 591.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 578.6 m 562.5 578.6 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 BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.75 698.33 Td (Dir) Tj ET Q q 0 0 0 rg BT 320.01 698.33 Td (ect) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.05 688.38 Td (Finance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.50 692.28 Td (Leveraged) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.05 692.28 Td (Operating) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 678.33 Td (Year) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.80 678.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.80 678.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.80 678.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 678.33 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 666.17 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 666.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 666.17 Td (157,419) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 666.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 666.17 Td (642) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 666.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 666.17 Td (68,132) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 666.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 666.17 Td (226,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 652.17 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 652.17 Td (116,334) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 652.17 Td (179) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 652.17 Td (53,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 652.17 Td (169,896) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 638.17 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 638.17 Td (76,393) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 638.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 638.17 Td (38,013) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 638.17 Td (114,406) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 624.17 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 624.17 Td (44,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 624.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 624.17 Td (23,500) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 624.17 Td (67,827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 610.17 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 610.17 Td (21,723) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 610.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 610.17 Td (16,157) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 610.17 Td (37,880) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 596.17 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 596.17 Td (17,255) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 596.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 596.17 Td (21,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 596.17 Td (38,289) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 582.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.15 582.17 Td (433,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 582.17 Td (821) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 582.17 Td (220,219) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 582.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 582.17 Td (654,491) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 554.10 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.52 554.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.13 554.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.13 554.10 Td (, ) Tj ET Q q 0 0 0 rg BT 146.16 554.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.90 554.10 Td (following ) Tj ET Q q 0 0 0 rg BT 202.31 554.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 234.26 554.10 Td (the ) Tj ET Q q 0 0 0 rg BT 249.00 554.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 283.18 554.10 Td (values ) Tj ET Q q 0 0 0 rg BT 311.25 554.10 Td (for ) Tj ET Q q 0 0 0 rg BT 325.43 554.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 351.84 554.10 Td (by ) Tj ET Q q 0 0 0 rg BT 364.36 554.10 Td (category ) Tj ET Q q 0 0 0 rg BT 401.31 554.10 Td (in ) Tj ET Q q 0 0 0 rg BT 411.61 554.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.35 554.10 Td (year ) Tj ET Q q 0 0 0 rg BT 446.08 554.10 Td (the ) Tj ET Q q 0 0 0 rg BT 460.83 554.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 486.68 554.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 509.19 554.10 Td (term ) Tj ET Q q 0 0 0 rg BT 530.04 554.10 Td (ends ) Tj ET Q q 0 0 0 rg BT 550.89 554.10 Td (\(in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 542.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 471.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 471.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 471.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 471.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 471.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 471.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 443.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 443.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 443.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 443.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 443.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 443.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 415.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 415.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 415.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 415.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 415.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 415.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 387.60 232.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 387.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 387.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 387.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 492.50 387.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 496.50 387.60 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 286.5 507.6 m 352.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 507.6 m 356.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 507.6 m 422.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 507.6 m 426.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 507.6 m 492.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 492.5 507.6 m 496.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 507.6 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 356.5 507.6 m 422.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 507.6 m 492.5 507.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 507.6 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 50.5 471.6 m 282.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 471.6 m 352.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 471.6 m 422.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 471.6 m 492.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 471.6 m 562.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 471.6 m 282.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 471.6 m 352.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 471.6 m 422.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 471.6 m 492.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 471.6 m 562.5 471.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 387.6 m 352.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 387.6 m 422.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 387.6 m 492.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 387.6 m 562.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 387.6 m 352.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 374.6 m 352.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 372.6 m 352.5 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 387.6 m 422.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 374.6 m 422.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 356.5 372.6 m 422.5 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 387.6 m 492.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 374.6 m 492.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 426.5 372.6 m 492.5 372.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 387.6 m 562.5 387.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 374.6 m 562.5 374.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 496.5 372.6 m 562.5 372.6 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 510.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 390.20 510.33 Td (ResidualValues) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 498.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 305.75 498.33 Td (Direct) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 389.00 498.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.00 498.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.00 498.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 486.33 Td (Endofinitialleaseterm) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 302.05 486.33 Td (Finance) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 366.50 486.33 Td (Leveraged) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 437.05 486.33 Td (Operating) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 529.00 486.33 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 474.33 Td (December31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 304.80 474.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 374.80 474.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 444.80 474.33 Td (Leases) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.05 474.33 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 462.17 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 462.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 462.17 Td (17,927) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 462.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 462.17 Td (89) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 462.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 462.17 Td (13,121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 462.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 462.17 Td (31,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 448.17 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 448.17 Td (16,072) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 448.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 448.17 Td (11,531) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 448.17 Td (27,622) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 434.17 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 434.17 Td (16,776) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 434.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 434.17 Td (12,662) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 434.17 Td (29,438) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 420.17 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 420.17 Td (11,075) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 420.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 420.17 Td (15,859) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 420.17 Td (26,934) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 406.17 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 326.15 406.17 Td (3,266) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 406.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 406.17 Td (19,772) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 406.17 Td (23,038) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 392.17 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 392.17 Td (13,140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.65 392.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 392.17 Td (27,055) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 392.17 Td (40,195) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 378.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 289.00 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.15 378.17 Td (78,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.00 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.65 378.17 Td (108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.00 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 378.17 Td (100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.00 378.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 378.17 Td (178,364) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.10 Td (The ) Tj ET Q 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.10 Td (lease. ) Tj ET Q q 0 0 0 rg BT 74.70 338.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 100.24 338.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 134.11 338.10 Td (values ) Tj ET Q q 0 0 0 rg BT 161.88 338.10 Td (are ) Tj ET Q q 0 0 0 rg BT 176.30 338.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 215.72 338.10 Td (reviewed ) Tj ET Q q 0 0 0 rg BT 254.59 338.10 Td (quarterly) Tj ET Q q 0 0 0 rg BT 290.03 338.10 Td (, ) Tj ET Q q 0 0 0 rg BT 294.75 338.10 Td (and ) Tj ET Q q 0 0 0 rg BT 311.40 338.10 Td (any ) Tj ET Q q 0 0 0 rg BT 328.06 338.10 Td (write-downs ) Tj ET Q q 0 0 0 rg BT 380.27 338.10 Td (or ) Tj ET Q q 0 0 0 rg BT 390.82 338.10 Td (char) Tj ET Q q 0 0 0 rg BT 407.84 338.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 428.76 338.10 Td (fs ) Tj ET Q q 0 0 0 rg BT 438.20 338.10 Td (deemed ) Tj ET Q q 0 0 0 rg BT 471.51 338.10 Td (necessary ) Tj ET Q q 0 0 0 rg BT 512.60 338.10 Td (are ) Tj ET Q q 0 0 0 rg BT 527.03 338.10 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 326.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.47 326.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.38 326.10 Td (period ) Tj ET Q q 0 0 0 rg BT 103.62 326.10 Td (in ) Tj ET Q q 0 0 0 rg BT 114.09 326.10 Td (which ) Tj ET Q q 0 0 0 rg BT 141.22 326.10 Td (they ) Tj ET Q q 0 0 0 rg BT 161.13 326.10 Td (become ) Tj ET Q q 0 0 0 rg BT 194.91 326.10 Td (known. ) Tj ET Q q 0 0 0 rg BT 227.13 326.10 Td (T) Tj ET Q q 0 0 0 rg BT 232.54 326.10 Td (o ) Tj ET Q q 0 0 0 rg BT 240.23 326.10 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 275.69 326.10 Td (this ) Tj ET Q q 0 0 0 rg BT 292.83 326.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 310.53 326.10 Td (of ) Tj ET Q q 0 0 0 rg BT 321.55 326.10 Td (loss, ) Tj ET Q q 0 0 0 rg BT 342.30 326.10 Td (we ) Tj ET Q q 0 0 0 rg BT 356.65 326.10 Td (seek ) Tj ET Q q 0 0 0 rg BT 377.11 326.10 Td (to ) Tj ET Q q 0 0 0 rg BT 387.58 326.10 Td (diversify ) Tj ET Q q 0 0 0 rg BT 425.82 326.10 Td (both ) Tj ET Q q 0 0 0 rg BT 446.29 326.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.20 326.10 Td (type ) Tj ET Q q 0 0 0 rg BT 481.11 326.10 Td (of ) Tj ET Q q 0 0 0 rg BT 492.13 326.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 537.04 326.10 Td (leased ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 314.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.35 314.10 Td (the ) Tj ET Q q 0 0 0 rg BT 80.48 314.10 Td (industries ) Tj ET Q q 0 0 0 rg BT 121.28 314.10 Td (in ) Tj ET Q q 0 0 0 rg BT 130.98 314.10 Td (which ) Tj ET Q q 0 0 0 rg BT 157.33 314.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.46 314.10 Td (lessees ) Tj ET Q q 0 0 0 rg BT 201.14 314.10 Td (participate. ) Tj ET Q q 0 0 0 rg BT 247.75 314.10 Td (Often ) Tj ET Q q 0 0 0 rg BT 272.44 314.10 Td (times, ) Tj ET Q q 0 0 0 rg BT 298.52 314.10 Td (there ) Tj ET Q q 0 0 0 rg BT 320.42 314.10 Td (are ) Tj ET Q q 0 0 0 rg BT 334.54 314.10 Td (several ) Tj ET Q q 0 0 0 rg BT 364.77 314.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 407.23 314.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 429.13 314.10 Td (schedules ) Tj ET Q q 0 0 0 rg BT 469.92 314.10 Td (under ) Tj ET Q q 0 0 0 rg BT 494.60 314.10 Td (one ) Tj ET Q q 0 0 0 rg BT 510.96 314.10 Td (master ) Tj ET Q q 0 0 0 rg BT 539.53 314.10 Td (lease. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 302.10 Td (There ) Tj ET Q q 0 0 0 rg BT 76.04 302.10 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.20 302.10 Td (4,248) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.70 302.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.43 302.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 150.03 302.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.97 302.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 218.78 302.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.78 302.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.51 302.10 Td (compared ) Tj ET Q q 0 0 0 rg BT 283.66 302.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 294.17 302.10 Td (4,369) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.67 302.10 Td ( ) Tj ET Q q 0 0 0 rg BT 319.39 302.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.34 302.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 388.15 302.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 302.10 Td (. ) Tj ET Q q 0 0 0 rg BT 415.68 302.10 Td (The ) Tj ET Q q 0 0 0 rg BT 433.95 302.10 Td (average ) Tj ET Q q 0 0 0 rg BT 467.76 302.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 502.15 302.10 Td (value ) Tj ET Q q 0 0 0 rg BT 526.53 302.10 Td (per ) Tj ET Q q 0 0 0 rg BT 542.02 302.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 290.10 Td (schedule ) Tj ET Q q 0 0 0 rg BT 87.32 290.10 Td (was ) Tj ET Q q 0 0 0 rg BT 105.21 290.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 165.30 290.10 Td ($42 ) Tj ET Q q 0 0 0 rg BT 182.63 290.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 218.74 290.10 Td ( ) Tj ET Q q 0 0 0 rg BT 221.07 290.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.63 290.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 289.04 290.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.04 290.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.38 290.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.15 290.10 Td ($33 ) Tj ET Q q 0 0 0 rg BT 345.48 290.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 381.59 290.10 Td ( ) Tj ET Q q 0 0 0 rg BT 383.93 290.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.48 290.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 451.89 290.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.89 290.10 Td (. ) Tj ET Q q 0 0 0 rg BT 479.06 290.10 Td (The ) Tj ET Q q 0 0 0 rg BT 496.94 290.10 Td (average ) Tj ET Q q 0 0 0 rg BT 530.36 290.10 Td (residual ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 278.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.74 278.10 Td (per ) Tj ET Q q 0 0 0 rg BT 90.60 278.10 Td (master ) Tj ET Q q 0 0 0 rg BT 120.34 278.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 143.41 278.10 Td (schedule ) Tj ET Q q 0 0 0 rg BT 181.49 278.10 Td (was ) Tj ET Q q 0 0 0 rg BT 200.13 278.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 260.97 278.10 Td ($176 ) Tj ET Q q 0 0 0 rg BT 284.06 278.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 320.17 278.10 Td ( ) Tj ET Q q 0 0 0 rg BT 323.26 278.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.56 278.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 392.73 278.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.73 278.10 Td ( ) Tj ET Q q 0 0 0 rg BT 415.82 278.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.34 278.10 Td ($132 ) Tj ET Q q 0 0 0 rg BT 456.43 278.10 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.54 278.10 Td ( ) Tj ET Q q 0 0 0 rg BT 495.63 278.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 278.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 266.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 266.10 Td (.) Tj ET Q endstream endobj 229 0 obj <> endobj 230 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (14) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (Income from lease financing, net was composed of \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 671.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 671.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 671.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 671.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.60 335.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 587.60 335.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 587.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 587.60 55.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 587.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 587.60 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 389.5 683.6 m 444.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 683.6 m 448.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 683.6 m 503.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 683.6 m 507.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 683.6 m 562.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 683.6 m 444.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 671.6 m 444.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 683.6 m 503.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 671.6 m 503.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 683.6 m 562.5 683.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 601.6 m 444.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 601.6 m 503.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 601.6 m 562.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 601.6 m 444.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 601.6 m 503.5 601.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 573.6 m 444.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 573.6 m 503.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 573.6 m 562.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 573.6 m 444.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 560.6 m 444.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 558.6 m 444.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 573.6 m 503.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 560.6 m 503.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 558.6 m 503.5 558.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 573.6 m 562.5 573.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 560.6 m 562.5 560.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 558.6 m 562.5 558.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 418.10 686.33 Td (YearsEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 406.50 674.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 465.50 674.33 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 524.50 674.33 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 662.17 Td (Rental income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 662.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 662.17 Td (69,083) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 662.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 662.17 Td (59,668) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 662.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 662.17 Td (67,135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 648.17 Td (Equipment maintenance contracts revenue, net of cost of sales) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 648.17 Td (25,005) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 648.17 Td (23,027) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 648.17 Td (16,441) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 634.17 Td (Vendor promotional income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 634.17 Td (11,073) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 634.17 Td (8,527) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 634.17 Td (8,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 620.17 Td (Other lease related revenue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.15 620.17 Td (4,254) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.15 620.17 Td (5,769) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 620.17 Td (2,356) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 606.17 Td (Gain on sale of lease payments and leased equipment, net of residual write downs) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 606.17 Td (13,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 606.17 Td (17,006) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 606.17 Td (9,546) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 592.17 Td (Income on lease investments, gross) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.15 592.17 Td (122,656) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 592.17 Td (113,997) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 592.17 Td (103,860) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 578.17 Td (Less: depreciation on operating leases) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.80 578.22 Td (\(49,170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 440.65 578.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.80 578.22 Td (\(37,416) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.65 578.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 578.22 Td (\(39,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 578.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 564.17 Td (Lease financing, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.00 564.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.15 564.17 Td (73,486) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.00 564.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 564.17 Td (76,581) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.00 564.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 564.17 Td (64,310) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.10 Td (Extension ) Tj ET Q q 0 0 0 rg BT 92.79 536.10 Td (rents ) Tj ET Q q 0 0 0 rg BT 115.02 536.10 Td (received ) Tj ET Q q 0 0 0 rg BT 151.68 536.10 Td (in ) Tj ET Q q 0 0 0 rg BT 162.25 536.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 191.15 536.10 Td (of ) Tj ET Q q 0 0 0 rg BT 202.27 536.10 Td (residual ) Tj ET Q q 0 0 0 rg BT 236.72 536.10 Td (values ) Tj ET Q q 0 0 0 rg BT 265.06 536.10 Td (are ) Tj ET Q q 0 0 0 rg BT 280.06 536.10 Td (reflected ) Tj ET Q q 0 0 0 rg BT 317.83 536.10 Td (in ) Tj ET Q q 0 0 0 rg BT 328.40 536.10 Td (rental ) Tj ET Q q 0 0 0 rg BT 353.96 536.10 Td (income. ) Tj ET Q q 0 0 0 rg BT 388.69 536.10 Td ( ) Tj ET Q q 0 0 0 rg BT 391.48 536.10 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 438.16 536.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 491.48 536.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 530.37 536.10 Td (revenue ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 92.34 524.10 Td (the ) Tj ET Q q 0 0 0 rg BT 106.36 524.10 Td (gross ) Tj ET Q q 0 0 0 rg BT 129.28 524.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 161.08 524.10 Td (of ) Tj ET Q q 0 0 0 rg BT 171.21 524.10 Td (revenue ) Tj ET Q q 0 0 0 rg BT 204.66 524.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 223.68 524.10 Td (for ) Tj ET Q q 0 0 0 rg BT 237.15 524.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 289.48 524.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 327.38 524.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.62 524.10 Td (other ) Tj ET Q q 0 0 0 rg BT 365.97 524.10 Td (services ) Tj ET Q q 0 0 0 rg BT 399.98 524.10 Td (brokered ) Tj ET Q q 0 0 0 rg BT 437.32 524.10 Td (to ) Tj ET Q q 0 0 0 rg BT 446.91 524.10 Td (customers. ) Tj ET Q q 0 0 0 rg BT 494.13 524.10 Td (The ) Tj ET Q q 0 0 0 rg BT 511.48 524.10 Td (maintenance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.10 Td (contracts ) Tj ET Q q 0 0 0 rg BT 88.64 512.10 Td (are ) Tj ET Q q 0 0 0 rg BT 103.40 512.10 Td (serviced ) Tj ET Q q 0 0 0 rg BT 139.26 512.10 Td (by ) Tj ET Q q 0 0 0 rg BT 151.81 512.10 Td (third ) Tj ET Q q 0 0 0 rg BT 173.24 512.10 Td (parties, ) Tj ET Q q 0 0 0 rg BT 204.95 512.10 Td (with ) Tj ET Q q 0 0 0 rg BT 225.27 512.10 Td (the ) Tj ET Q q 0 0 0 rg BT 240.04 512.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 281.47 512.10 Td (maintaining ) Tj ET Q q 0 0 0 rg BT 331.79 512.10 Td (no ) Tj ET Q q 0 0 0 rg BT 344.33 512.10 Td (obligation ) Tj ET Q q 0 0 0 rg BT 387.43 512.10 Td (under ) Tj ET Q q 0 0 0 rg BT 412.75 512.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.52 512.10 Td (contracts. ) Tj ET Q q 0 0 0 rg BT 470.97 512.10 Td (The ) Tj ET Q q 0 0 0 rg BT 489.07 512.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 507.72 512.10 Td (of ) Tj ET Q q 0 0 0 rg BT 518.60 512.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 540.59 512.10 Td (is ) Tj ET Q q 0 0 0 rg BT 549.81 512.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 83.13 500.10 Td (paid ) Tj ET Q q 0 0 0 rg BT 103.48 500.10 Td (by ) Tj ET Q q 0 0 0 rg BT 116.61 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 131.96 500.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.98 500.10 Td (to ) Tj ET Q q 0 0 0 rg BT 184.89 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 200.24 500.10 Td (third ) Tj ET Q q 0 0 0 rg BT 222.26 500.10 Td (party ) Tj ET Q q 0 0 0 rg BT 245.94 500.10 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 299.59 500.10 Td (provider) Tj ET Q q 0 0 0 rg BT 332.92 500.10 Td (. ) Tj ET Q q 0 0 0 rg BT 338.55 500.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.68 500.10 Td (From ) Tj ET Q q 0 0 0 rg BT 366.49 500.10 Td (time ) Tj ET Q q 0 0 0 rg BT 387.39 500.10 Td (to ) Tj ET Q q 0 0 0 rg BT 398.30 500.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 421.71 500.10 Td (the ) Tj ET Q q 0 0 0 rg BT 437.06 500.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 479.08 500.10 Td (sells ) Tj ET Q q 0 0 0 rg BT 499.99 500.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 542.01 500.10 Td (lease ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 90.83 488.10 Td (to ) Tj ET Q q 0 0 0 rg BT 101.10 488.10 Td (third ) Tj ET Q q 0 0 0 rg BT 122.49 488.10 Td (parties.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.10 Td (Gains ) Tj ET Q q 0 0 0 rg BT 76.13 464.10 Td (on ) Tj ET Q q 0 0 0 rg BT 88.93 464.10 Td (leased ) Tj ET Q q 0 0 0 rg BT 116.72 464.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 161.73 464.10 Td (periodically ) Tj ET Q q 0 0 0 rg BT 212.29 464.10 Td (result ) Tj ET Q q 0 0 0 rg BT 237.31 464.10 Td (when ) Tj ET Q q 0 0 0 rg BT 261.78 464.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.02 464.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 295.69 464.10 Td (renews ) Tj ET Q q 0 0 0 rg BT 326.82 464.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.06 464.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 356.84 464.10 Td (or ) Tj ET Q q 0 0 0 rg BT 367.98 464.10 Td (purchases ) Tj ET Q q 0 0 0 rg BT 410.21 464.10 Td (the ) Tj ET Q q 0 0 0 rg BT 425.22 464.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 470.24 464.10 Td (at ) Tj ET Q q 0 0 0 rg BT 480.26 464.10 Td (the ) Tj ET Q q 0 0 0 rg BT 495.28 464.10 Td (end ) Tj ET Q q 0 0 0 rg BT 512.52 464.10 Td (of ) Tj ET Q q 0 0 0 rg BT 523.65 464.10 Td (a ) Tj ET Q q 0 0 0 rg BT 530.89 464.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 553.67 464.10 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.01 452.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 108.01 452.10 Td (is ) Tj ET Q q 0 0 0 rg BT 116.46 452.10 Td (sold ) Tj ET Q q 0 0 0 rg BT 134.92 452.10 Td (to ) Tj ET Q q 0 0 0 rg BT 144.49 452.10 Td (a ) Tj ET Q q 0 0 0 rg BT 150.72 452.10 Td (third ) Tj ET Q q 0 0 0 rg BT 171.39 452.10 Td (party ) Tj ET Q q 0 0 0 rg BT 193.73 452.10 Td (at ) Tj ET Q q 0 0 0 rg BT 202.73 452.10 Td (a ) Tj ET Q q 0 0 0 rg BT 208.96 452.10 Td (profit. ) Tj ET Q q 0 0 0 rg BT 237.97 452.10 Td (Individual ) Tj ET Q q 0 0 0 rg BT 280.86 452.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 302.63 452.10 Td (transactions ) Tj ET Q q 0 0 0 rg BT 352.18 452.10 Td (can, ) Tj ET Q q 0 0 0 rg BT 370.35 452.10 Td (however) Tj ET Q q 0 0 0 rg BT 404.38 452.10 Td (, ) Tj ET Q q 0 0 0 rg BT 408.67 452.10 Td (result ) Tj ET Q q 0 0 0 rg BT 432.67 452.10 Td (in ) Tj ET Q q 0 0 0 rg BT 442.24 452.10 Td (a ) Tj ET Q q 0 0 0 rg BT 448.47 452.10 Td (loss. ) Tj ET Q q 0 0 0 rg BT 470.69 452.10 Td (This ) Tj ET Q q 0 0 0 rg BT 490.25 452.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 529.24 452.10 Td (happens ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.10 Td (when, ) Tj ET Q q 0 0 0 rg BT 76.66 440.10 Td (at ) Tj ET Q q 0 0 0 rg BT 86.38 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.09 440.10 Td (end ) Tj ET Q q 0 0 0 rg BT 118.03 440.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.86 440.10 Td (a ) Tj ET Q q 0 0 0 rg BT 135.80 440.10 Td (lease, ) Tj ET Q q 0 0 0 rg BT 160.79 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 175.50 440.10 Td (lessee ) Tj ET Q q 0 0 0 rg BT 201.88 440.10 Td (does ) Tj ET Q q 0 0 0 rg BT 222.71 440.10 Td (not ) Tj ET Q q 0 0 0 rg BT 237.99 440.10 Td (renew ) Tj ET Q q 0 0 0 rg BT 264.92 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.63 440.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 302.12 440.10 Td (or ) Tj ET Q q 0 0 0 rg BT 312.95 440.10 Td (purchase ) Tj ET Q q 0 0 0 rg BT 350.99 440.10 Td (the ) Tj ET Q q 0 0 0 rg BT 365.70 440.10 Td (equipment. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 416.10 Td (Note 7. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 416.10 Td ( Pr) Tj ET Q q 0 0 0 rg BT 139.87 416.10 Td (emises and Equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.10 Td (Premises and equipment consisted of \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 380.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 345.60 365.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 345.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 345.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 345.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 317.60 365.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 317.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 317.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 317.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 317.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 289.60 365.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 289.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 289.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 289.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 289.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 261.60 365.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 415.50 261.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 261.60 66.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 485.50 261.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 489.50 261.60 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 419.5 357.6 m 485.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 485.5 357.6 m 489.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 357.6 m 555.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 357.6 m 485.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 345.6 m 485.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 357.6 m 555.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 345.6 m 555.5 345.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 289.6 m 485.5 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 289.6 m 555.5 289.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 289.6 m 555.5 289.6 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 485.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 261.6 m 555.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 261.6 m 485.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 248.60000000000002 m 485.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 419.5 246.60000000000002 m 485.5 246.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 261.6 m 555.5 261.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 248.60000000000002 m 555.5 248.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 489.5 246.60000000000002 m 555.5 246.60000000000002 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 360.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 457.90 360.33 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 348.32 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 442.00 348.33 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 512.00 348.33 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 336.17 Td (Land and land improvements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 336.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 336.17 Td (81,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.00 336.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 336.17 Td (67,089) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 322.17 Td (Buildings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 322.17 Td (122,268) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.15 322.17 Td (100,041) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 308.17 Td (Furniture and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 308.17 Td (182,924) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.15 308.17 Td (139,648) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 294.17 Td (Buildings and leasehold improvements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 294.17 Td (76,602) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 524.15 294.17 Td (61,383) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 278.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 280.17 Td (463,262) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.15 280.17 Td (368,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 266.17 Td (Accumulated depreciation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.80 266.22 Td (\(169,352) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 481.65 266.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 515.80 266.22 Td (\(132,148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 551.65 266.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 252.17 Td (Premises and equipment, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.00 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.15 252.17 Td (293,910) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.00 252.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.15 252.17 Td (236,013) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 236.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 224.10 Td (Depreciation ) Tj ET Q q 0 0 0 rg BT 103.55 224.10 Td (on ) Tj ET Q q 0 0 0 rg BT 115.45 224.10 Td (premises ) Tj ET Q q 0 0 0 rg BT 152.91 224.10 Td (and ) Tj ET Q q 0 0 0 rg BT 169.25 224.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 213.37 224.10 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.49 224.10 Td ($25.5 ) Tj ET Q q 0 0 0 rg BT 266.90 224.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.79 224.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 300.20 224.10 Td ($22.1 ) Tj ET Q q 0 0 0 rg BT 324.60 224.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.49 224.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.90 224.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.25 224.10 Td ($20.4 ) Tj ET Q q 0 0 0 rg BT 398.65 224.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.54 224.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.45 224.10 Td (for ) Tj ET Q q 0 0 0 rg BT 443.02 224.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.14 224.10 Td (years ) Tj ET Q q 0 0 0 rg BT 480.15 224.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 224.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 212.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 212.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.00 212.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 95.00 212.10 Td (, ) Tj ET Q q 0 0 0 rg BT 100.00 212.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 116.94 212.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.94 212.10 Td (, ) Tj ET Q q 0 0 0 rg BT 141.94 212.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 189.60 212.10 Td (. ) Tj ET Q q 0 0 0 rg BT 194.60 212.10 Td ( ) Tj ET Q endstream endobj 231 0 obj <> endobj 232 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (15) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 8. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Goodwill and Intangibles) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.63 718.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 95.81 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.22 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.52 718.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 138.71 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 149.12 718.25 Td (an ) Tj ET Q q 0 0 0 rg BT 160.64 718.25 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 206.60 718.25 Td (over ) Tj ET Q q 0 0 0 rg BT 226.45 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.75 718.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 256.71 718.25 Td (value ) Tj ET Q q 0 0 0 rg BT 280.45 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 290.86 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 305.16 718.25 Td (net ) Tj ET Q q 0 0 0 rg BT 319.46 718.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 344.87 718.25 Td (acquired, ) Tj ET Q q 0 0 0 rg BT 383.87 718.25 Td (including ) Tj ET Q q 0 0 0 rg BT 423.73 718.25 Td (core ) Tj ET Q q 0 0 0 rg BT 443.02 718.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 473.98 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 490.50 718.25 Td (client ) Tj ET Q q 0 0 0 rg BT 514.80 718.25 Td (relationship ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (intangibles, ) Tj ET Q q 0 0 0 rg BT 99.40 706.25 Td (consists ) Tj ET Q q 0 0 0 rg BT 134.08 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 145.42 706.25 Td (goodwill. ) Tj ET Q q 0 0 0 rg BT 186.50 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.51 706.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 216.85 706.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 239.10 706.25 Td (T) Tj ET Q q 0 0 0 rg BT 244.51 706.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 264.74 706.25 Td (350, ) Tj ET Q q 0 0 0 rg BT 285.25 706.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 323.82 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 333.51 706.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 364.85 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 375.64 706.25 Td (at ) Tj ET Q q 0 0 0 rg BT 385.87 706.25 Td (least ) Tj ET Q q 0 0 0 rg BT 407.21 706.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 436.88 706.25 Td (assessments ) Tj ET Q q 0 0 0 rg BT 488.22 706.25 Td (for ) Tj ET Q q 0 0 0 rg BT 502.90 706.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 552.01 706.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (applying ) Tj ET Q q 0 0 0 rg BT 87.32 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 94.08 694.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 110.29 694.25 Td (value ) Tj ET Q q 0 0 0 rg BT 134.27 694.25 Td (based ) Tj ET Q q 0 0 0 rg BT 159.36 694.25 Td (test. ) Tj ET Q q 0 0 0 rg BT 178.08 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 180.23 694.25 Td (The ) Tj ET Q q 0 0 0 rg BT 198.10 694.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 239.32 694.25 Td (reviews ) Tj ET Q q 0 0 0 rg BT 272.74 694.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 310.62 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 320.73 694.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 363.03 694.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 400.35 694.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 448.77 694.25 Td (annually) Tj ET Q q 0 0 0 rg BT 482.56 694.25 Td (, ) Tj ET Q q 0 0 0 rg BT 487.38 694.25 Td (or ) Tj ET Q q 0 0 0 rg BT 498.04 694.25 Td (more ) Tj ET Q q 0 0 0 rg BT 520.91 694.25 Td (frequently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (if ) Tj ET Q q 0 0 0 rg BT 58.31 682.25 Td (events ) Tj ET Q q 0 0 0 rg BT 86.06 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 102.70 682.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 161.55 682.25 Td (indicate ) Tj ET Q q 0 0 0 rg BT 195.40 682.25 Td (that ) Tj ET Q q 0 0 0 rg BT 212.60 682.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 250.36 682.25 Td (might ) Tj ET Q q 0 0 0 rg BT 275.90 682.25 Td (be ) Tj ET Q q 0 0 0 rg BT 287.54 682.25 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 327.79 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 339.99 682.25 Td (comparing ) Tj ET Q q 0 0 0 rg BT 384.96 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.38 682.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 434.90 682.25 Td (value ) Tj ET Q q 0 0 0 rg BT 458.76 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 469.29 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 483.71 682.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 522.57 682.25 Td (units ) Tj ET Q q 0 0 0 rg BT 544.22 682.25 Td (with ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 670.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 81.09 670.25 Td (value ) Tj ET Q q 0 0 0 rg BT 105.25 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.08 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 130.80 670.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 169.95 670.25 Td (units.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.94 646.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 114.92 646.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 143.97 646.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 190.81 646.25 Td (date ) Tj ET Q q 0 0 0 rg BT 209.86 646.25 Td (is ) Tj ET Q q 0 0 0 rg BT 218.93 646.25 Td (as ) Tj ET Q q 0 0 0 rg BT 229.66 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 240.39 646.25 Td (December ) Tj ET Q q 0 0 0 rg BT 283.87 646.25 Td (31. ) Tj ET Q q 0 0 0 rg BT 298.76 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 301.16 646.25 Td (Goodwill ) Tj ET Q q 0 0 0 rg BT 341.34 646.25 Td (is ) Tj ET Q q 0 0 0 rg BT 350.41 646.25 Td (tested ) Tj ET Q q 0 0 0 rg BT 376.13 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 390.19 646.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 438.68 646.25 Td (at ) Tj ET Q q 0 0 0 rg BT 448.30 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.91 646.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 501.96 646.25 Td (unit ) Tj ET Q q 0 0 0 rg BT 519.92 646.25 Td (level. ) Tj ET Q q 0 0 0 rg BT 544.25 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 546.47 646.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 90.60 634.25 Td (had ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 106.76 634.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.74 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 128.46 634.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 166.83 634.25 Td (units: ) Tj ET Q q 0 0 0 rg BT 190.77 634.25 Td (Banking, ) Tj ET Q q 0 0 0 rg BT 228.88 634.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 262.25 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 278.40 634.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 319.00 634.25 Td (Banking. ) Tj ET Q q 0 0 0 rg BT 357.10 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 358.82 634.25 Td (Based ) Tj ET Q q 0 0 0 rg BT 384.97 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 396.69 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.62 634.25 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.92 634.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.92 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 478.63 634.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 515.91 634.25 Td (impairment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (testing, ) Tj ET Q q 0 0 0 rg BT 81.62 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 96.30 622.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 112.63 622.25 Td (values ) Tj ET Q q 0 0 0 rg BT 140.64 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 151.43 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 166.10 622.25 Td (three ) Tj ET Q q 0 0 0 rg BT 188.55 622.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 227.66 622.25 Td (units ) Tj ET Q q 0 0 0 rg BT 249.57 622.25 Td (were ) Tj ET Q q 0 0 0 rg BT 271.46 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 281.69 622.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 310.25 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.04 622.25 Td (their ) Tj ET Q q 0 0 0 rg BT 341.82 622.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 377.60 622.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 404.21 622.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.67 622.25 Td (No) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 418.89 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 421.35 622.25 Td (impairment ) Tj ET Q q 0 0 0 rg BT 469.90 622.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 496.25 622.25 Td (were ) Tj ET Q q 0 0 0 rg BT 518.14 622.25 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (during ) Tj ET Q q 0 0 0 rg BT 78.99 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 94.08 610.25 Td (years ) Tj ET Q q 0 0 0 rg BT 118.06 610.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.81 610.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 203.77 610.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.77 610.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.15 610.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.15 610.25 Td (, ) Tj ET Q q 0 0 0 rg BT 254.53 610.25 Td (or ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.73 610.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 285.73 610.25 Td (. ) Tj ET Q q 0 0 0 rg BT 291.11 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 293.78 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 312.21 610.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 348.40 610.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 381.27 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 392.48 610.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 430.91 610.25 Td (was) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.46 610.25 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 466.84 610.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 492.96 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 495.83 610.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 610.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 73.07 598.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 90.58 598.25 Td ($725.1 ) Tj ET Q q 0 0 0 rg BT 121.15 598.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 150.04 598.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.11 598.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 212.26 598.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 232.26 598.25 Td (. ) Tj ET Q q 0 0 0 rg BT 237.83 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 240.67 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 259.29 598.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 295.11 598.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.51 598.25 Td ($276.0 ) Tj ET Q q 0 0 0 rg BT 337.08 598.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.97 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 369.04 598.25 Td (in ) Tj ET Q q 0 0 0 rg BT 379.89 598.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 418.51 598.25 Td (was ) Tj ET Q q 0 0 0 rg BT 437.13 598.25 Td (due ) Tj ET Q q 0 0 0 rg BT 454.64 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 465.49 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 480.10 598.25 Td (American ) Tj ET Q q 0 0 0 rg BT 522.59 598.25 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (mer) Tj ET Q q 0 0 0 rg BT 65.37 586.25 Td (ger) Tj ET Q q 0 0 0 rg BT 77.58 586.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 562.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 562.25 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 562.25 Td (presents ) Tj ET Q q 0 0 0 rg BT 166.64 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.35 562.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 216.06 562.25 Td (in ) Tj ET Q q 0 0 0 rg BT 226.34 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 241.05 562.25 Td (carrying ) Tj ET Q q 0 0 0 rg BT 276.87 562.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 309.37 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 320.20 562.25 Td (goodwill ) Tj ET Q q 0 0 0 rg BT 358.25 562.25 Td (as ) Tj ET Q q 0 0 0 rg BT 369.08 562.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 379.91 562.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 438.50 562.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.50 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 461.00 562.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.93 562.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.93 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 500.43 562.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 514.04 562.25 Td (thousands\):) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 555.05 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 499.55 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 499.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 499.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 471.55 138.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 188.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 192.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 235.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 239.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 286.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 329.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 333.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 376.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 427.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 470.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 474.50 471.55 43.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 471.55 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 471.55 43.00 -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 192.5 532.55 m 235.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 532.55 m 239.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 532.55 m 282.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 532.55 m 286.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 532.55 m 329.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 532.55 m 333.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 532.55 m 376.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 376.5 532.55 m 380.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 532.55 m 423.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 532.55 m 427.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 532.55 m 470.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 532.55 m 474.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 532.55 m 517.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 532.55 m 521.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 532.55 m 564.5 532.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 520.55 m 235.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 235.5 520.55 m 239.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 520.55 m 282.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 520.55 m 286.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 520.55 m 329.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 329.5 520.55 m 333.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 520.55 m 376.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 520.55 m 423.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 520.55 m 470.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 520.55 m 517.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 520.55 m 521.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 520.55 m 564.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 520.55 m 423.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 499.55 m 423.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 520.55 m 427.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 520.55 m 470.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 499.55 m 470.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 470.5 520.55 m 474.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 520.55 m 517.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 499.55 m 517.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 520.55 m 521.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 520.55 m 564.5 520.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 499.55 m 564.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 499.55 m 235.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 499.55 m 282.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 499.55 m 329.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 499.55 m 376.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 499.55 m 423.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 499.55 m 470.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 499.55 m 517.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 499.55 m 564.5 499.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 471.55 m 235.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 471.55 m 282.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 471.55 m 329.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 471.55 m 376.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 471.55 m 423.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 471.55 m 470.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 471.55 m 517.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 471.55 m 564.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 471.55 m 235.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 458.55 m 235.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 192.5 456.55 m 235.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 471.55 m 282.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 458.55 m 282.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 239.5 456.55 m 282.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 471.55 m 329.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 458.55 m 329.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 286.5 456.55 m 329.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 471.55 m 376.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 458.55 m 376.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 333.5 456.55 m 376.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 471.55 m 423.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 458.55 m 423.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 380.5 456.55 m 423.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 471.55 m 470.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 458.55 m 470.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 427.5 456.55 m 470.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 471.55 m 517.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 458.55 m 517.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 474.5 456.55 m 517.5 456.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 471.55 m 564.5 471.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 458.55 m 564.5 458.55 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 456.55 m 564.5 456.55 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 536.63 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.75 536.63 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 524.63 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.00 524.63 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 464.00 524.63 Td (2015) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 199.90 503.80 Td (Banking) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 247.80 503.80 Td (Leasing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 291.90 511.80 Td (Mortgage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 294.60 503.80 Td (banking) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 346.30 503.80 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 387.90 503.80 Td (Banking) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 435.80 503.80 Td (Leasing) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.90 511.80 Td (Mortgage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.60 503.80 Td (banking) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.30 503.80 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 491.50 Td (Balance at beginning of period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.25 489.80 Td (684,430) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 489.80 Td (40,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.30 489.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.25 489.80 Td (725,070) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 489.80 Td (670,881) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.25 489.80 Td (40,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 489.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.00 489.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.25 489.80 Td (711,521) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 477.50 Td (Goodwill from business combinations ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 176.99 481.13 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.25 475.80 Td (275,968) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.30 475.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.30 475.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 347.25 475.80 Td (275,968) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.25 475.80 Td (13,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 475.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 475.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 539.25 475.80 Td (13,549) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 463.50 Td (Balance at end of period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.25 461.80 Td (960,398) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 242.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 257.25 461.80 Td (40,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 318.30 461.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 336.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 341.25 461.80 Td (1,001,038) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 383.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.25 461.80 Td (684,430) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 430.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 445.25 461.80 Td (40,640) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 477.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 506.30 461.80 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 524.00 461.80 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 535.25 461.80 Td (725,070) Tj ET Q BT /F1 10.00 Tf ET BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 68.00 452.07 Td (\(1\) ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 86.00 448.45 Td (Due ) Tj ET Q q 0 0 0 rg BT 101.33 448.45 Td (to ) Tj ET Q q 0 0 0 rg BT 109.55 448.45 Td (the ) Tj ET Q q 0 0 0 rg BT 120.88 448.45 Td (American ) Tj ET Q q 0 0 0 rg BT 154.42 448.45 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 187.96 448.45 Td (mer) Tj ET Q q 0 0 0 rg BT 200.25 448.45 Td (ger ) Tj ET Q q 0 0 0 rg BT 212.47 448.45 Td (and ) Tj ET Q q 0 0 0 rg BT 226.02 448.45 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 266.24 448.45 Td (recognized ) Tj ET Q q 0 0 0 rg BT 303.33 448.45 Td (for ) Tj ET Q q 0 0 0 rg BT 314.66 448.45 Td (the ) Tj ET Q q 0 0 0 rg BT 326.43 448.45 Td (MSA) Tj ET Q q 0 0 0 rg BT 343.33 448.45 Td ( ) Tj ET Q q 0 0 0 rg BT 345.33 448.45 Td (acquisition. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.45 Td (The ) Tj ET Q q 0 0 0 rg BT 67.02 424.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.39 424.45 Td (has ) Tj ET Q q 0 0 0 rg BT 122.19 424.45 Td (other ) Tj ET Q q 0 0 0 rg BT 144.22 424.45 Td (intangible ) Tj ET Q q 0 0 0 rg BT 185.69 424.45 Td (assets ) Tj ET Q q 0 0 0 rg BT 210.49 424.45 Td (consisting ) Tj ET Q q 0 0 0 rg BT 252.53 424.45 Td (of ) Tj ET Q q 0 0 0 rg BT 262.33 424.45 Td (core ) Tj ET Q q 0 0 0 rg BT 281.02 424.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 311.38 424.45 Td (and ) Tj ET Q q 0 0 0 rg BT 327.30 424.45 Td (client ) Tj ET Q q 0 0 0 rg BT 350.99 424.45 Td (relationship ) Tj ET Q q 0 0 0 rg BT 399.68 424.45 Td (intangibles ) Tj ET Q q 0 0 0 rg BT 445.03 424.45 Td (that ) Tj ET Q q 0 0 0 rg BT 461.51 424.45 Td (had ) Tj ET Q q 0 0 0 rg BT 477.42 424.45 Td (a ) Tj ET Q q 0 0 0 rg BT 483.34 424.45 Td (remaining ) Tj ET Q q 0 0 0 rg BT 525.36 424.45 Td (weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.45 Td (average ) Tj ET Q q 0 0 0 rg BT 83.84 412.45 Td (amortization ) Tj ET Q q 0 0 0 rg BT 137.13 412.45 Td (period ) Tj ET Q q 0 0 0 rg BT 165.43 412.45 Td (of ) Tj ET Q q 0 0 0 rg BT 176.51 412.45 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.03 412.45 Td (thirteen) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.57 412.45 Td ( ) Tj ET Q q 0 0 0 rg BT 270.32 412.45 Td (years ) Tj ET Q q 0 0 0 rg BT 294.17 412.45 Td (as ) Tj ET Q q 0 0 0 rg BT 305.26 412.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.34 412.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 375.18 412.45 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.18 412.45 Td (. ) Tj ET Q q 0 0 0 rg BT 400.43 412.45 Td ( ) Tj ET Q q 0 0 0 rg BT 402.99 412.45 Td (The ) Tj ET Q q 0 0 0 rg BT 421.29 412.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 462.93 412.45 Td (recorded ) Tj ET Q q 0 0 0 rg BT 500.66 412.45 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.85 412.45 Td ($25.5 ) Tj ET Q q 0 0 0 rg BT 533.11 412.45 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 412.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.45 Td (core ) Tj ET Q q 0 0 0 rg BT 69.71 400.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 101.09 400.45 Td (intangible ) Tj ET Q q 0 0 0 rg BT 143.58 400.45 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.86 400.45 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 173.86 400.45 Td ( ) Tj ET Q q 0 0 0 rg BT 176.36 400.45 Td (due ) Tj ET Q q 0 0 0 rg BT 193.30 400.45 Td (to ) Tj ET Q q 0 0 0 rg BT 203.58 400.45 Td (the ) Tj ET Q q 0 0 0 rg BT 217.74 400.45 Td (American ) Tj ET Q q 0 0 0 rg BT 259.67 400.45 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 301.59 400.45 Td (mer) Tj ET Q q 0 0 0 rg BT 316.96 400.45 Td (ger) Tj ET Q q 0 0 0 rg BT 329.17 400.45 Td (. ) Tj ET Q q 0 0 0 rg BT 334.17 400.45 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.45 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.45 Td (The ) Tj ET Q q 0 0 0 rg BT 67.69 376.45 Td (following ) Tj ET Q q 0 0 0 rg BT 108.72 376.45 Td (table ) Tj ET Q q 0 0 0 rg BT 130.29 376.45 Td (presents ) Tj ET Q q 0 0 0 rg BT 165.20 376.45 Td (the ) Tj ET Q q 0 0 0 rg BT 179.56 376.45 Td (changes ) Tj ET Q q 0 0 0 rg BT 213.91 376.45 Td (in ) Tj ET Q q 0 0 0 rg BT 223.83 376.45 Td (the ) Tj ET Q q 0 0 0 rg BT 238.18 376.45 Td (carrying ) Tj ET Q q 0 0 0 rg BT 273.64 376.45 Td (amount ) Tj ET Q q 0 0 0 rg BT 305.78 376.45 Td (of ) Tj ET Q q 0 0 0 rg BT 316.25 376.45 Td (core ) Tj ET Q q 0 0 0 rg BT 335.60 376.45 Td (deposit ) Tj ET Q q 0 0 0 rg BT 366.62 376.45 Td (and ) Tj ET Q q 0 0 0 rg BT 383.20 376.45 Td (client ) Tj ET Q q 0 0 0 rg BT 407.56 376.45 Td (relationship ) Tj ET Q q 0 0 0 rg BT 456.91 376.45 Td (intangibles, ) Tj ET Q q 0 0 0 rg BT 505.43 376.45 Td (gross ) Tj ET Q q 0 0 0 rg BT 528.69 376.45 Td (carrying ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.45 Td (amount, ) Tj ET Q q 0 0 0 rg BT 85.00 364.45 Td (accumulated ) Tj ET Q q 0 0 0 rg BT 138.02 364.45 Td (amortization, ) Tj ET Q q 0 0 0 rg BT 193.56 364.45 Td (and ) Tj ET Q q 0 0 0 rg BT 210.50 364.45 Td (net ) Tj ET Q q 0 0 0 rg BT 225.21 364.45 Td (book ) Tj ET Q q 0 0 0 rg BT 247.71 364.45 Td (value ) Tj ET Q q 0 0 0 rg BT 271.87 364.45 Td (as ) Tj ET Q q 0 0 0 rg BT 282.70 364.45 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.53 364.45 Td (December31, ) Tj ET Q q 0 0 0 rg BT 352.11 364.45 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.11 364.45 Td ( ) Tj ET Q q 0 0 0 rg BT 374.61 364.45 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.55 364.45 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 411.55 364.45 Td ( ) Tj ET Q q 0 0 0 rg BT 414.05 364.45 Td (\(in ) Tj ET Q q 0 0 0 rg BT 427.66 364.45 Td (thousands\):) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 357.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 322.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 322.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 322.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 322.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 322.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 294.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 294.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 294.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 294.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 294.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 266.75 362.00 -5.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 266.75 4.00 -5.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 266.75 71.00 -5.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 266.75 4.00 -5.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 266.75 71.00 -5.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 247.75 362.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 412.50 247.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 416.50 247.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 247.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 247.75 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 416.5 334.75 m 487.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 334.75 m 491.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 334.75 m 562.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 334.75 m 487.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 322.75 m 487.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 334.75 m 562.5 334.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 322.75 m 562.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 322.75 m 487.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 322.75 m 562.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 280.75 m 487.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 280.75 m 487.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 267.75 m 487.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 265.75 m 487.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 280.75 m 562.5 280.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 267.75 m 562.5 267.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 265.75 m 562.5 265.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 233.75 m 487.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 233.75 m 562.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 233.75 m 487.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 220.75 m 487.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 416.5 218.75 m 487.5 218.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 233.75 m 562.5 233.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 220.75 m 562.5 220.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 218.75 m 562.5 218.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 337.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 459.90 337.48 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 325.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 441.50 325.48 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 516.50 325.48 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 313.32 Td (Balance at beginning of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 313.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 313.32 Td (44,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 313.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 313.32 Td (38,006) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 299.32 Td (Amortization expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.80 299.37 Td (\(7,305) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 299.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 299.37 Td (\(6,115) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 299.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 285.32 Td (Other intangibles from business combinations) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 285.32 Td (25,452) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 285.32 Td (12,921) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 271.32 Td (Balance at end of period) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 271.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 271.32 Td (62,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 271.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 271.32 Td (44,812) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 252.32 Td (Gross carrying amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 252.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.15 252.32 Td (112,820) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 252.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 252.32 Td (93,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 238.32 Td (Accumulated amortization) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.80 238.37 Td (\(49,861) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.65 238.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 238.37 Td (\(48,480) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 238.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 224.32 Td (Net book value) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.00 224.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 456.15 224.32 Td (62,959) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 224.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 224.32 Td (44,812) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 196.25 Td (The following presents the estimated amortization expense of other intangible assets \(in thousands\):) Tj ET Q BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 189.05 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 166.55 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 166.55 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 138.55 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 138.55 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 110.55 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 110.55 121.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 82.55 391.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 441.50 82.55 121.00 -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 50.5 166.54999999999995 m 441.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 166.54999999999995 m 562.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 50.5 166.54999999999995 m 441.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 166.54999999999995 m 562.5 166.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 82.54999999999995 m 562.5 82.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 82.54999999999995 m 562.5 82.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 69.54999999999995 m 562.5 69.54999999999995 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 441.5 67.54999999999995 m 562.5 67.54999999999995 l s BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 169.28 Td (YearsendingDecember31,) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 483.95 169.28 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 157.12 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.00 157.12 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 157.12 Td (8,193) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 143.12 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 143.12 Td (7,451) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 129.12 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 129.12 Td (5,674) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 115.12 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 115.12 Td (5,022) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 101.12 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 101.12 Td (4,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 87.12 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 87.12 Td (31,829) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 71.31 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.00 73.12 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 73.12 Td (62,959) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 57.05 Td () Tj ET Q endstream endobj 233 0 obj <> endobj 234 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (16) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 9. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 718.25 Td (composition ) Tj ET Q q 0 0 0 rg BT 119.99 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 130.82 718.25 Td (deposits ) Tj ET Q q 0 0 0 rg BT 166.10 718.25 Td (was ) Tj ET Q q 0 0 0 rg BT 184.15 718.25 Td (as ) Tj ET Q q 0 0 0 rg BT 194.98 718.25 Td (follows ) Tj ET Q q 0 0 0 rg BT 227.48 718.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 241.09 718.25 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.75 368.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 671.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 671.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 671.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 671.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 643.75 368.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 643.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 643.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 643.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 643.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 615.75 368.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 615.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 615.75 68.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 615.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 615.75 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 422.5 683.75 m 490.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 683.75 m 494.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 683.75 m 562.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 683.75 m 490.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 671.75 m 490.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 683.75 m 562.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 671.75 m 490.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 671.75 m 562.5 671.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 601.75 m 490.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 601.75 m 562.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 601.75 m 490.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 588.75 m 490.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 586.75 m 490.5 586.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 601.75 m 562.5 601.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 588.75 m 562.5 588.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 586.75 m 562.5 586.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 462.90 686.48 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.47 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 446.00 674.48 Td (2016) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 518.00 674.48 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 662.32 Td (Demand deposit accounts, noninterest bearing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.00 662.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.65 662.32 Td (6,408,169) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.00 662.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 662.32 Td (4,627,184) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 648.32 Td (NOW and money market accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.65 648.32 Td (4,543,004) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 648.32 Td (4,144,633) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 634.32 Td (Savings accounts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.65 634.32 Td (1,135,992) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 634.32 Td (974,555) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 620.32 Td (Certificates of deposit, $250,000 or more) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.65 620.32 Td (1,144,121) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 620.32 Td (877,352) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 606.32 Td (Other certificates of deposit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.15 606.32 Td (879,162) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 606.32 Td (881,491) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 592.32 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.00 592.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 592.32 Td (14,110,448) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.00 592.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 513.65 592.32 Td (11,505,215) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 576.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 564.25 Td (Certificates of deposit of $250,000 or more included ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 262.45 564.25 Td ($795.0 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.34 564.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.78 564.25 Td ($500.2 million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 399.67 564.25 Td ( of brokered deposits at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.03 564.25 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 552.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.44 552.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.44 552.25 Td (, respectively) Tj ET Q q 0 0 0 rg BT 162.10 552.25 Td (. Brokered deposits typically consist of smaller individual time certificates that have the same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.25 Td (liquidity characteristics and yields consistent with time certificates of $250,000 or more.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 62.50 516.25 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.08 516.25 Td (, the scheduled maturities of certificates of deposit were as follows \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 504.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 493.75 443.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 493.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 465.75 443.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 465.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 437.75 443.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 437.75 69.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 409.75 443.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 409.75 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 493.5 409.75 m 562.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 409.75 m 562.5 409.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 396.75 m 562.5 396.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 394.75 m 562.5 394.75 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 484.32 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 484.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 484.32 Td (1,224,620) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 470.32 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 470.32 Td (444,103) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 456.32 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 456.32 Td (147,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 442.32 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 442.32 Td (145,410) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 428.32 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 428.32 Td (50,597) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 414.32 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 414.32 Td (10,962) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 398.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.00 400.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 400.32 Td (2,023,283) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 384.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 372.25 Td (Note 10. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 372.25 Td ( Short-T) Tj ET Q q 0 0 0 rg BT 157.47 372.25 Td (erm Borr) Tj ET Q q 0 0 0 rg BT 197.55 372.25 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.25 Td (Short-term borrowings were as follows as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.80 348.25 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.38 348.25 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.82 348.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.82 348.25 Td ( \(dollars in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 269.75 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 269.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 269.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 269.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 269.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 269.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 269.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 269.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 269.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 241.75 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 241.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 241.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 241.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 241.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 241.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 241.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 241.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 241.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 213.75 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 213.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 213.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 213.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 213.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 213.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 213.75 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 213.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 213.75 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 252.5 313.75 m 330.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 313.75 m 334.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 313.75 m 405.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 313.75 m 409.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 313.75 m 487.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 313.75 m 491.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 313.75 m 562.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 313.75 m 330.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 301.75 m 330.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 301.75 m 334.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 301.75 m 405.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 313.75 m 487.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 301.75 m 487.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 313.75 m 491.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 301.75 m 491.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 313.75 m 562.5 313.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 301.75 m 562.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 301.75 m 405.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 301.75 m 562.5 301.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 269.75 m 330.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 269.75 m 405.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 269.75 m 487.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 269.75 m 562.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 269.75 m 330.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 269.75 m 405.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 269.75 m 487.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 269.75 m 562.5 269.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 213.75 m 405.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 213.75 m 562.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 213.75 m 405.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 200.75 m 405.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 198.75 m 405.5 198.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 213.75 m 562.5 213.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 200.75 m 562.5 200.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 198.75 m 562.5 198.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 316.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.75 317.83 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 304.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.50 305.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.50 305.83 Td (2015) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 284.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.75 293.83 Td (W) Tj ET Q q 0 0 0 rg BT 282.31 293.83 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.05 285.83 Td (A) Tj ET Q q 0 0 0 rg BT 282.23 285.83 Td (verage) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 369.50 284.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.75 293.83 Td (W) Tj ET Q q 0 0 0 rg BT 439.31 293.83 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.05 285.83 Td (A) Tj ET Q q 0 0 0 rg BT 439.23 285.83 Td (verage) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 526.50 284.47 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 272.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.20 273.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.45 273.83 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.20 273.83 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.45 273.83 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 260.32 Td (Customer repurchase agreements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 260.32 Td (0.22) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 260.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 260.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 260.32 Td (237,538) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 260.32 Td (0.20) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 260.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 260.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 260.32 Td (201,207) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 246.32 Td (Federal Home Loan Bank advances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 246.32 Td (0.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 246.32 Td (1,275,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 246.32 Td (0.17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 246.32 Td (775,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 232.32 Td (Federal funds purchased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 232.32 Td (0.80) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 232.32 Td (46,750) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 232.32 Td (0.09) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 232.32 Td (4,530) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 218.32 Td (Line of credit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 218.32 Td (2.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 218.32 Td (10,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 218.32 Td (2.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 218.32 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 204.32 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 204.32 Td (0.59) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 204.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 204.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.65 204.32 Td (1,569,288) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 204.32 Td (0.23) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 204.32 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 204.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 204.32 Td (1,005,737) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.25 Td (Customer ) Tj ET Q q 0 0 0 rg BT 91.23 176.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 136.88 176.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 184.75 176.25 Td (are ) Tj ET Q q 0 0 0 rg BT 199.30 176.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 247.18 176.25 Td (in ) Tj ET Q q 0 0 0 rg BT 257.30 176.25 Td (which ) Tj ET Q q 0 0 0 rg BT 284.08 176.25 Td (the ) Tj ET Q q 0 0 0 rg BT 298.64 176.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 339.87 176.25 Td (acquires ) Tj ET Q q 0 0 0 rg BT 375.53 176.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 400.09 176.25 Td (by ) Tj ET Q q 0 0 0 rg BT 412.43 176.25 Td (selling ) Tj ET Q q 0 0 0 rg BT 441.44 176.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 467.12 176.25 Td (to ) Tj ET Q q 0 0 0 rg BT 477.24 176.25 Td (another ) Tj ET Q q 0 0 0 rg BT 509.56 176.25 Td (party ) Tj ET Q q 0 0 0 rg BT 532.45 176.25 Td (under ) Tj ET Q q 0 0 0 rg BT 557.57 176.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.25 Td (simultaneous ) Tj ET Q q 0 0 0 rg BT 104.11 164.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 147.08 164.25 Td (to ) Tj ET Q q 0 0 0 rg BT 156.19 164.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 200.83 164.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.38 164.25 Td (same ) Tj ET Q q 0 0 0 rg BT 236.25 164.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 260.92 164.25 Td (at ) Tj ET Q q 0 0 0 rg BT 269.46 164.25 Td (a ) Tj ET Q q 0 0 0 rg BT 275.24 164.25 Td (specified ) Tj ET Q q 0 0 0 rg BT 312.66 164.25 Td (price ) Tj ET Q q 0 0 0 rg BT 333.98 164.25 Td (and ) Tj ET Q q 0 0 0 rg BT 349.75 164.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 372.64 164.25 Td (The ) Tj ET Q q 0 0 0 rg BT 389.52 164.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 429.74 164.25 Td (enters ) Tj ET Q q 0 0 0 rg BT 454.95 164.25 Td (into ) Tj ET Q q 0 0 0 rg BT 471.83 164.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 516.47 164.25 Td (agreements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.15 152.25 Td (also ) Tj ET Q q 0 0 0 rg BT 83.96 152.25 Td (of) Tj ET Q q 0 0 0 rg BT 92.11 152.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 108.81 152.25 Td (a ) Tj ET Q q 0 0 0 rg BT 114.96 152.25 Td (demand ) Tj ET Q q 0 0 0 rg BT 148.33 152.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 178.92 152.25 Td (account ) Tj ET Q q 0 0 0 rg BT 211.72 152.25 Td (product ) Tj ET Q q 0 0 0 rg BT 243.98 152.25 Td (to ) Tj ET Q q 0 0 0 rg BT 253.47 152.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 295.72 152.25 Td (that ) Tj ET Q q 0 0 0 rg BT 312.43 152.25 Td (sweeps ) Tj ET Q q 0 0 0 rg BT 343.02 152.25 Td (their ) Tj ET Q q 0 0 0 rg BT 363.05 152.25 Td (balances ) Tj ET Q q 0 0 0 rg BT 399.18 152.25 Td (in ) Tj ET Q q 0 0 0 rg BT 408.67 152.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 436.48 152.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.52 152.25 Td (an ) Tj ET Q q 0 0 0 rg BT 457.67 152.25 Td (agreed ) Tj ET Q q 0 0 0 rg BT 486.02 152.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 507.73 152.25 Td (tar) Tj ET Q q 0 0 0 rg BT 518.10 152.25 Td (get ) Tj ET Q q 0 0 0 rg BT 532.02 152.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.25 Td (into ) Tj ET Q q 0 0 0 rg BT 67.84 140.25 Td (overnight ) Tj ET Q q 0 0 0 rg BT 108.45 140.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 154.03 140.25 Td (agreements. ) Tj ET Q q 0 0 0 rg BT 206.34 140.25 Td (All ) Tj ET Q q 0 0 0 rg BT 221.40 140.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 261.45 140.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 280.40 140.25 Td (under ) Tj ET Q q 0 0 0 rg BT 305.45 140.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 353.26 140.25 Td (to ) Tj ET Q q 0 0 0 rg BT 363.32 140.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 408.91 140.25 Td (are ) Tj ET Q q 0 0 0 rg BT 423.40 140.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 460.66 140.25 Td (on ) Tj ET Q q 0 0 0 rg BT 472.94 140.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.44 140.25 Td (face ) Tj ET Q q 0 0 0 rg BT 506.37 140.25 Td (of ) Tj ET Q q 0 0 0 rg BT 516.98 140.25 Td (the ) Tj ET Q q 0 0 0 rg BT 531.48 140.25 Td (balance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 76.38 128.25 Td ( ) Tj ET Q q 0 0 0 rg BT 79.47 128.25 Td (The ) Tj ET Q q 0 0 0 rg BT 98.34 128.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 140.56 128.25 Td (pledges ) Tj ET Q q 0 0 0 rg BT 174.44 128.25 Td (mortgage-backed ) Tj ET Q q 0 0 0 rg BT 247.18 128.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 288.27 128.25 Td (as ) Tj ET Q q 0 0 0 rg BT 299.93 128.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 340.46 128.25 Td (for ) Tj ET Q q 0 0 0 rg BT 355.45 128.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.99 128.25 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 417.63 128.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 466.49 128.25 Td (and ) Tj ET Q q 0 0 0 rg BT 484.26 128.25 Td (may ) Tj ET Q q 0 0 0 rg BT 504.81 128.25 Td (be ) Tj ET Q q 0 0 0 rg BT 517.58 128.25 Td (required ) Tj ET Q q 0 0 0 rg BT 554.22 128.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 83.05 116.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 125.54 116.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 165.23 116.25 Td (based ) Tj ET Q q 0 0 0 rg BT 190.50 116.25 Td (on ) Tj ET Q q 0 0 0 rg BT 203.00 116.25 Td (the ) Tj ET Q q 0 0 0 rg BT 217.72 116.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 234.10 116.25 Td (value ) Tj ET Q q 0 0 0 rg BT 258.25 116.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.08 116.25 Td (those ) Tj ET Q q 0 0 0 rg BT 292.69 116.25 Td (securities.) 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 67.73 92.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.81 92.25 Td (had ) Tj ET Q q 0 0 0 rg BT 125.43 92.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 148.17 92.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 165.34 92.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 197.51 92.25 Td (Home ) Tj ET Q q 0 0 0 rg BT 224.14 92.25 Td (Loan ) Tj ET Q q 0 0 0 rg BT 246.88 92.25 Td (Bank ) Tj ET Q q 0 0 0 rg BT 270.17 92.25 Td (\("FHLB"\) ) Tj ET Q q 0 0 0 rg BT 312.74 92.25 Td (advances ) Tj ET Q q 0 0 0 rg BT 351.58 92.25 Td (with ) Tj ET Q q 0 0 0 rg BT 371.54 92.25 Td (a ) Tj ET Q q 0 0 0 rg BT 378.17 92.25 Td (maturity ) Tj ET Q q 0 0 0 rg BT 414.24 92.25 Td (date ) Tj ET Q q 0 0 0 rg BT 433.08 92.25 Td (less ) Tj ET Q q 0 0 0 rg BT 450.27 92.25 Td (than ) Tj ET Q q 0 0 0 rg BT 469.67 92.25 Td (one ) Tj ET Q q 0 0 0 rg BT 486.30 92.25 Td (year ) Tj ET Q q 0 0 0 rg BT 505.69 92.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 516.21 92.25 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 535.90 92.25 Td (billion) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 80.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.19 80.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 121.24 80.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 141.24 80.25 Td ( ) Tj ET Q q 0 0 0 rg BT 145.21 80.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.62 80.25 Td ($775.0 ) Tj ET Q q 0 0 0 rg BT 195.10 80.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.99 80.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.96 80.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.15 80.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 299.20 80.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.20 80.25 Td (.) Tj ET Q q 0 0 0 rg BT 326.15 80.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 340.12 80.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 400.18 80.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.18 80.25 Td (, ) Tj ET Q q 0 0 0 rg BT 426.65 80.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.83 80.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 476.24 80.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 495.20 80.25 Td (on ) Tj ET Q q 0 0 0 rg BT 509.17 80.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.36 80.25 Td (advances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 68.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 98.88 68.25 Td (on ) Tj ET Q q 0 0 0 rg BT 111.09 68.25 Td (that ) Tj ET Q q 0 0 0 rg BT 128.30 68.25 Td (date ) Tj ET Q q 0 0 0 rg BT 147.16 68.25 Td (ranged ) Tj ET Q q 0 0 0 rg BT 176.58 68.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.23 68.25 Td (0.41%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 224.06 68.25 Td ( ) Tj ET Q q 0 0 0 rg BT 226.27 68.25 Td (to ) Tj ET Q q 0 0 0 rg BT 236.26 68.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.48 68.25 Td (0.70%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 264.31 68.25 Td ( ) Tj ET Q q 0 0 0 rg BT 266.52 68.25 Td (with ) Tj ET Q q 0 0 0 rg BT 286.51 68.25 Td (maturities ) Tj ET Q q 0 0 0 rg BT 328.71 68.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.36 68.25 Td (January ) Tj ET Q q 0 0 0 rg BT 383.67 68.25 Td (3, ) Tj ET Q q 0 0 0 rg BT 393.38 68.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 413.38 68.25 Td ( ) Tj ET Q q 0 0 0 rg BT 415.60 68.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 425.59 68.25 Td (December ) Tj ET Q q 0 0 0 rg BT 468.88 68.25 Td (8, ) Tj ET Q q 0 0 0 rg BT 478.59 68.25 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 498.59 68.25 Td (. ) Tj ET Q q 0 0 0 rg BT 503.31 68.25 Td ( ) Tj ET Q q 0 0 0 rg BT 505.36 68.25 Td (The ) Tj ET Q q 0 0 0 rg BT 523.12 68.25 Td (Company ) Tj ET Q endstream endobj 235 0 obj <> endobj 236 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (has ) Tj ET Q q 0 0 0 rg BT 66.48 742.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 113.52 742.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 154.44 742.10 Td (available ) Tj ET Q q 0 0 0 rg BT 193.68 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 208.50 742.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 227.20 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 244.79 742.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 269.05 742.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 303.86 742.10 Td (as ) Tj ET Q q 0 0 0 rg BT 315.35 742.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 355.70 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 368.85 742.10 Td (these ) Tj ET Q q 0 0 0 rg BT 392.55 742.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 421.27 742.10 Td (advances. ) Tj ET Q q 0 0 0 rg BT 463.57 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 466.72 742.10 Td (See ) Tj ET Q q 0 0 0 rg BT 484.32 742.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 506.91 742.10 Td (4. ) Tj ET Q q 0 0 0 rg BT 517.56 742.10 Td (Investment ) 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 91.93 730.10 Td (and ) Tj ET Q q 0 0 0 rg BT 108.87 730.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 130.81 730.10 Td (5. ) Tj ET Q q 0 0 0 rg BT 140.81 730.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 167.75 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.58 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 193.30 730.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 216.90 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 227.18 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 241.90 730.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 294.94 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 332.42 730.10 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (On ) Tj ET Q q 0 0 0 rg BT 64.24 706.10 Td (December ) Tj ET Q q 0 0 0 rg BT 107.35 706.10 Td (18, ) Tj ET Q q 0 0 0 rg BT 121.87 706.10 Td (2015, ) Tj ET Q q 0 0 0 rg BT 146.39 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 160.63 706.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 201.54 706.10 Td (entered ) Tj ET Q q 0 0 0 rg BT 232.98 706.10 Td (into ) Tj ET Q q 0 0 0 rg BT 250.56 706.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 257.02 706.10 Td ($35.0 ) Tj ET Q q 0 0 0 rg BT 281.54 706.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 310.43 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 312.46 706.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 355.01 706.10 Td (line ) Tj ET Q q 0 0 0 rg BT 372.03 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 382.38 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 407.17 706.10 Td (with ) Tj ET Q q 0 0 0 rg BT 426.97 706.10 Td (a ) Tj ET Q q 0 0 0 rg BT 433.43 706.10 Td (correspondent ) Tj ET Q q 0 0 0 rg BT 492.09 706.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 513.55 706.10 Td (at ) Tj ET Q q 0 0 0 rg BT 522.79 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 537.03 706.10 Td (parent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (company ) Tj ET Q q 0 0 0 rg BT 88.20 694.10 Td (level. ) Tj ET Q q 0 0 0 rg BT 111.67 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.21 694.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 144.74 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 152.95 694.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 185.58 694.10 Td (at ) Tj ET Q q 0 0 0 rg BT 194.34 694.10 Td (a ) Tj ET Q q 0 0 0 rg BT 200.32 694.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 216.84 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.71 694.10 Td (one ) Tj ET Q q 0 0 0 rg BT 242.69 694.10 Td (month ) Tj ET Q q 0 0 0 rg BT 269.79 694.10 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 299.79 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 301.33 694.10 Td (+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.51 694.10 Td (1.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.34 694.10 Td (. ) Tj ET Q q 0 0 0 rg BT 338.38 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 339.58 694.10 Td (As ) Tj ET Q q 0 0 0 rg BT 352.24 694.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.11 694.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 419.73 694.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.73 694.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.77 694.10 Td ($10.0 ) Tj ET Q q 0 0 0 rg BT 467.81 694.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 496.70 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 498.24 694.10 Td (was ) Tj ET Q q 0 0 0 rg BT 515.34 694.10 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 682.10 Td ($25.0 ) Tj ET Q q 0 0 0 rg BT 91.94 682.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 120.83 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.33 682.10 Td (was ) Tj ET Q q 0 0 0 rg BT 141.38 682.10 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 190.55 682.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 200.26 682.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 258.85 682.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.85 682.10 Td (. ) Tj ET Q q 0 0 0 rg BT 283.85 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 286.17 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 304.21 682.10 Td (line ) Tj ET Q q 0 0 0 rg BT 321.71 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 332.54 682.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 357.80 682.10 Td (is ) Tj ET Q q 0 0 0 rg BT 366.97 682.10 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 409.46 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 419.74 682.10 Td (mature ) Tj ET Q q 0 0 0 rg BT 450.00 682.10 Td (on ) Tj ET Q q 0 0 0 rg BT 462.50 682.10 Td (June ) Tj ET Q q 0 0 0 rg BT 483.33 682.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 498.33 682.10 Td (2017.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 646.10 Td (Note 1) Tj ET Q q 0 0 0 rg BT 94.94 646.10 Td (1. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 646.10 Td ( Long-term Borr) Tj ET Q q 0 0 0 rg BT 193.46 646.10 Td (owings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Long-term borrowings were as follows as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 230.23 622.10 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 308.82 622.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 328.26 622.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 348.26 622.10 Td ( \(dollars in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 543.60 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 543.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 543.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 543.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 543.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 543.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 543.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 543.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 543.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 515.60 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 515.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 515.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 515.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 515.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 515.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 515.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 515.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 515.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 487.60 198.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 248.50 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 252.50 487.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 330.50 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 334.50 487.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 487.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 487.50 487.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 487.60 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 252.5 587.6 m 330.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 587.6 m 334.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 587.6 m 405.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 587.6 m 409.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 587.6 m 487.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 587.6 m 491.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 587.6 m 562.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 587.6 m 330.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 575.6 m 330.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 330.5 575.6 m 334.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 575.6 m 405.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 587.6 m 487.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 575.6 m 487.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 587.6 m 491.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 487.5 575.6 m 491.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 587.6 m 562.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 575.6 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 334.5 575.6 m 405.5 575.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 575.6 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 252.5 543.6 m 330.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 543.6 m 405.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 543.6 m 487.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 543.6 m 562.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 252.5 543.6 m 330.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 543.6 m 405.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 543.6 m 487.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 543.6 m 562.5 543.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 487.6 m 405.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 487.6 m 562.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 487.6 m 405.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 474.6 m 405.5 474.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 334.5 472.6 m 405.5 472.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 487.6 m 562.5 487.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 474.6 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 491.5 472.6 m 562.5 472.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 590.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.75 591.68 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 578.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 320.50 579.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.50 579.68 Td (2015) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 558.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 274.75 567.68 Td (W) Tj ET Q q 0 0 0 rg BT 282.31 567.68 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.05 559.68 Td (A) Tj ET Q q 0 0 0 rg BT 282.23 559.68 Td (verage) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 369.50 558.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 431.75 567.68 Td (W) Tj ET Q q 0 0 0 rg BT 439.31 567.68 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 434.05 559.68 Td (A) Tj ET Q q 0 0 0 rg BT 439.23 559.68 Td (verage) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 526.50 558.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 546.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.20 547.68 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 355.45 547.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 440.20 547.68 Td (Cost) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.45 547.68 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 534.17 Td (Federal Home Loan Bank advances) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 534.17 Td (0.85) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 534.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 534.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 534.17 Td (230,865) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 534.17 Td (0.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 534.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 534.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 534.17 Td (305,239) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 520.17 Td (Notes payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 520.17 Td (4.18) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 520.17 Td (66,925) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 520.17 Td (4.30) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 520.17 Td (54,998) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 506.17 Td (Structured repurchase agreement) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.65 506.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.65 506.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 506.17 Td (4.75) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 506.17 Td (40,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 492.17 Td (Term note) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 492.17 Td (2.52) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.15 492.17 Td (14,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.65 492.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 492.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 478.17 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.15 478.17 Td (1.64) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 321.65 478.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 337.00 478.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.15 478.17 Td (311,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 461.15 478.17 Td (1.41) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.65 478.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 494.00 478.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 478.17 Td (400,274) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 450.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.52 450.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.37 450.10 Td (had ) Tj ET Q q 0 0 0 rg BT 124.78 450.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 152.31 450.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 190.93 450.10 Td (with ) Tj ET Q q 0 0 0 rg BT 210.68 450.10 Td (original ) Tj ET Q q 0 0 0 rg BT 243.75 450.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 290.14 450.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 332.10 450.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 361.83 450.10 Td (than ) Tj ET Q q 0 0 0 rg BT 381.01 450.10 Td (one ) Tj ET Q q 0 0 0 rg BT 397.42 450.10 Td (year ) Tj ET Q q 0 0 0 rg BT 416.60 450.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.90 450.10 Td ($230.9 ) Tj ET Q q 0 0 0 rg BT 456.37 450.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.26 450.10 Td ( ) Tj ET Q q 0 0 0 rg BT 487.23 450.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.64 450.10 Td ($305.2 ) Tj ET Q q 0 0 0 rg BT 533.11 450.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 438.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.34 438.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.55 438.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.55 438.10 Td ( ) Tj ET Q q 0 0 0 rg BT 142.67 438.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.23 438.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 180.23 438.10 Td (, ) Tj ET Q q 0 0 0 rg BT 185.85 438.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 233.51 438.10 Td (. ) Tj ET Q q 0 0 0 rg BT 239.14 438.10 Td ( ) Tj ET Q q 0 0 0 rg BT 241.57 438.10 Td (As ) Tj ET Q q 0 0 0 rg BT 255.81 438.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 267.26 438.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 326.46 438.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 346.46 438.10 Td (, ) Tj ET Q q 0 0 0 rg BT 352.09 438.10 Td (the ) Tj ET Q q 0 0 0 rg BT 367.43 438.10 Td (advances ) Tj ET Q q 0 0 0 rg BT 407.19 438.10 Td (had ) Tj ET Q q 0 0 0 rg BT 424.76 438.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 448.42 438.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 473.76 438.10 Td (with ) Tj ET Q q 0 0 0 rg BT 494.67 438.10 Td (ef) Tj ET Q q 0 0 0 rg BT 502.25 438.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 532.58 438.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 426.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 73.83 426.10 Td (net ) Tj ET Q q 0 0 0 rg BT 88.49 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 99.27 426.10 Td (discounts, ) Tj ET Q q 0 0 0 rg BT 142.00 426.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 174.99 426.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.88 426.10 Td (0.30%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.71 426.10 Td ( ) Tj ET Q q 0 0 0 rg BT 225.16 426.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 235.39 426.10 Td (5.87%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 261.22 426.10 Td ( ) Tj ET Q q 0 0 0 rg BT 263.66 426.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.55 426.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 322.99 426.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 355.99 426.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.87 426.10 Td (March ) Tj ET Q q 0 0 0 rg BT 406.42 426.10 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.42 426.10 Td ( ) Tj ET Q q 0 0 0 rg BT 428.87 426.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.56 426.10 Td (April ) Tj ET Q q 0 0 0 rg BT 462.11 426.10 Td (2035) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.11 426.10 Td (. ) Tj ET Q q 0 0 0 rg BT 487.06 426.10 Td ( ) Tj ET Q q 0 0 0 rg BT 489.33 426.10 Td (The ) Tj ET Q q 0 0 0 rg BT 507.33 426.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 548.67 426.10 Td (has ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 414.10 Td (investment ) Tj ET Q q 0 0 0 rg BT 95.66 414.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 135.21 414.10 Td (available ) Tj ET Q q 0 0 0 rg BT 173.08 414.10 Td (for ) Tj ET Q q 0 0 0 rg BT 186.52 414.10 Td (sale ) Tj ET Q q 0 0 0 rg BT 203.85 414.10 Td (and ) Tj ET Q q 0 0 0 rg BT 220.07 414.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 242.96 414.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 276.39 414.10 Td (as ) Tj ET Q q 0 0 0 rg BT 286.50 414.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 325.48 414.10 Td (on ) Tj ET Q q 0 0 0 rg BT 337.26 414.10 Td (these ) Tj ET Q q 0 0 0 rg BT 359.59 414.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 386.94 414.10 Td (advances. ) Tj ET Q q 0 0 0 rg BT 427.86 414.10 Td ( ) Tj ET Q q 0 0 0 rg BT 429.64 414.10 Td (See ) Tj ET Q q 0 0 0 rg BT 445.86 414.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 467.08 414.10 Td (4. ) Tj ET Q q 0 0 0 rg BT 476.36 414.10 Td (Investment ) Tj ET Q q 0 0 0 rg BT 522.58 414.10 Td (Securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 402.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 402.10 Td (Note ) Tj ET Q q 0 0 0 rg BT 88.88 402.10 Td (5. ) Tj ET Q q 0 0 0 rg BT 98.88 402.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 125.82 402.10 Td (of ) Tj ET Q q 0 0 0 rg BT 136.65 402.10 Td (the ) Tj ET Q q 0 0 0 rg BT 151.36 402.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 174.97 402.10 Td (to ) Tj ET Q q 0 0 0 rg BT 185.25 402.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.97 402.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 253.01 402.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 290.49 402.10 Td (statements.) 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 67.86 378.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.06 378.10 Td (had ) Tj ET Q q 0 0 0 rg BT 125.81 378.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 149.23 378.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 182.64 378.10 Td (to ) Tj ET Q q 0 0 0 rg BT 192.73 378.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 218.38 378.10 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 251.24 378.10 Td ($66.9 ) Tj ET Q q 0 0 0 rg BT 276.06 378.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.95 378.10 Td ( ) Tj ET Q q 0 0 0 rg BT 307.26 378.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.01 378.10 Td ($55.0 ) Tj ET Q q 0 0 0 rg BT 348.83 378.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.72 378.10 Td ( ) Tj ET Q q 0 0 0 rg BT 380.03 378.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.56 378.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 447.96 378.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.96 378.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.27 378.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 487.02 378.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 507.02 378.10 Td (, ) Tj ET Q q 0 0 0 rg BT 511.84 378.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 559.50 378.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 366.10 Td (which ) Tj ET Q q 0 0 0 rg BT 77.33 366.10 Td (as ) Tj ET Q q 0 0 0 rg BT 88.54 366.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.76 366.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 158.73 366.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 178.73 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 184.12 366.10 Td (were ) Tj ET Q q 0 0 0 rg BT 206.43 366.10 Td (accruing ) Tj ET Q q 0 0 0 rg BT 243.75 366.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 276.07 366.10 Td (at ) Tj ET Q q 0 0 0 rg BT 286.17 366.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 307.93 366.10 Td (ranging ) Tj ET Q q 0 0 0 rg BT 341.37 366.10 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.69 366.10 Td (2.25%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.52 366.10 Td ( ) Tj ET Q q 0 0 0 rg BT 392.41 366.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.08 366.10 Td (7.40%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 428.91 366.10 Td (, ) Tj ET Q q 0 0 0 rg BT 434.29 366.10 Td (with ) Tj ET Q q 0 0 0 rg BT 454.96 366.10 Td (a ) Tj ET Q q 0 0 0 rg BT 462.29 366.10 Td (weighted ) Tj ET Q q 0 0 0 rg BT 501.83 366.10 Td (average ) Tj ET Q q 0 0 0 rg BT 535.80 366.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 553.67 366.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 354.10 Td (4.18%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 75.83 354.10 Td (. ) Tj ET Q q 0 0 0 rg BT 83.55 354.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 109.59 354.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 160.09 354.10 Td (include ) Tj ET Q q 0 0 0 rg BT 192.24 354.10 Td (equipment ) Tj ET Q q 0 0 0 rg BT 237.18 354.10 Td (with ) Tj ET Q q 0 0 0 rg BT 257.68 354.10 Td (an ) Tj ET Q q 0 0 0 rg BT 269.84 354.10 Td (amortized ) Tj ET Q q 0 0 0 rg BT 312.54 354.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 331.37 354.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 342.42 354.10 Td ($79.6 ) Tj ET Q q 0 0 0 rg BT 367.64 354.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.54 354.10 Td ( ) Tj ET Q q 0 0 0 rg BT 399.26 354.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 416.42 354.10 Td ($65.8 ) Tj ET Q q 0 0 0 rg BT 441.64 354.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.53 354.10 Td ( ) Tj ET Q q 0 0 0 rg BT 473.25 354.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.19 354.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.00 354.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 342.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 66.94 342.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.94 342.10 Td (, ) Tj ET Q q 0 0 0 rg BT 91.94 342.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 139.60 342.10 Td (, ) Tj ET Q q 0 0 0 rg BT 144.60 342.10 Td (that ) Tj ET Q q 0 0 0 rg BT 162.09 342.10 Td (is ) Tj ET Q q 0 0 0 rg BT 171.26 342.10 Td (pledged ) Tj ET Q q 0 0 0 rg BT 205.42 342.10 Td (as ) Tj ET Q q 0 0 0 rg BT 216.25 342.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 255.95 342.10 Td (on ) Tj ET Q q 0 0 0 rg BT 268.45 342.10 Td (these ) Tj ET Q q 0 0 0 rg BT 291.49 342.10 Td (notes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 318.10 Td (On ) Tj ET Q q 0 0 0 rg BT 63.54 318.10 Td (August ) Tj ET Q q 0 0 0 rg BT 94.13 318.10 Td (24, ) Tj ET Q q 0 0 0 rg BT 108.32 318.10 Td (2016, ) Tj ET Q q 0 0 0 rg BT 132.51 318.10 Td (the ) Tj ET Q q 0 0 0 rg BT 146.42 318.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 187.00 318.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 223.13 318.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 229.27 318.10 Td ($16.0 ) Tj ET Q q 0 0 0 rg BT 253.46 318.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 282.35 318.10 Td ( ) Tj ET Q q 0 0 0 rg BT 284.04 318.10 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 326.28 318.10 Td (term ) Tj ET Q q 0 0 0 rg BT 346.29 318.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 365.20 318.10 Td (at ) Tj ET Q q 0 0 0 rg BT 374.11 318.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.02 318.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 420.27 318.10 Td (company ) Tj ET Q q 0 0 0 rg BT 458.62 318.10 Td (level ) Tj ET Q q 0 0 0 rg BT 479.75 318.10 Td (with ) Tj ET Q q 0 0 0 rg BT 499.22 318.10 Td (a ) Tj ET Q q 0 0 0 rg BT 505.35 318.10 Td (correspondent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 306.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 72.27 306.10 Td (through ) Tj ET Q q 0 0 0 rg BT 106.21 306.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.64 306.10 Td (American ) Tj ET Q q 0 0 0 rg BT 162.90 306.10 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 205.15 306.10 Td (mer) Tj ET Q q 0 0 0 rg BT 220.52 306.10 Td (ger) Tj ET Q q 0 0 0 rg BT 232.74 306.10 Td (. ) Tj ET Q q 0 0 0 rg BT 238.07 306.10 Td ( ) Tj ET Q q 0 0 0 rg BT 240.90 306.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 273.72 306.10 Td (is ) Tj ET Q q 0 0 0 rg BT 283.23 306.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 317.15 306.10 Td (at ) Tj ET Q q 0 0 0 rg BT 327.20 306.10 Td (a ) Tj ET Q q 0 0 0 rg BT 334.48 306.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 352.29 306.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.46 306.10 Td (one ) Tj ET Q q 0 0 0 rg BT 380.73 306.10 Td (month ) Tj ET Q q 0 0 0 rg BT 409.12 306.10 Td (LIBOR) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.12 306.10 Td ( ) Tj ET Q q 0 0 0 rg BT 441.95 306.10 Td (+ ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.43 306.10 Td (1.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 476.26 306.10 Td ( ) Tj ET Q q 0 0 0 rg BT 479.09 306.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.36 306.10 Td (matures ) Tj ET Q q 0 0 0 rg BT 530.85 306.10 Td (on ) Tj ET Q q 0 0 0 rg BT 543.68 306.10 Td (June ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 294.10 Td (30, ) Tj ET Q q 0 0 0 rg BT 65.68 294.10 Td (2020. ) Tj ET Q q 0 0 0 rg BT 91.36 294.10 Td ( ) Tj ET Q q 0 0 0 rg BT 94.54 294.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 133.82 294.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 175.33 294.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.84 294.10 Td ($1.0 ) Tj ET Q q 0 0 0 rg BT 207.52 294.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 236.41 294.10 Td ( ) Tj ET Q q 0 0 0 rg BT 239.59 294.10 Td (are ) Tj ET Q q 0 0 0 rg BT 254.98 294.10 Td (due ) Tj ET Q q 0 0 0 rg BT 272.60 294.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 311.87 294.10 Td (until ) Tj ET Q q 0 0 0 rg BT 333.39 294.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 366.62 294.10 Td (. ) Tj ET Q q 0 0 0 rg BT 372.30 294.10 Td ( ) Tj ET Q q 0 0 0 rg BT 374.78 294.10 Td (As ) Tj ET Q q 0 0 0 rg BT 389.07 294.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.58 294.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 459.85 294.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.85 294.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.53 294.10 Td ($14.0 ) Tj ET Q q 0 0 0 rg BT 511.21 294.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.10 294.10 Td ( ) Tj ET Q q 0 0 0 rg BT 543.28 294.10 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 294.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 282.10 Td (outstanding.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 270.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 258.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.75 258.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.85 258.10 Td (had ) Tj ET Q q 0 0 0 rg BT 128.50 258.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.14 258.10 Td ($40.0 ) Tj ET Q q 0 0 0 rg BT 161.85 258.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.74 258.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 193.95 258.10 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.95 258.10 Td (-year ) Tj ET Q q 0 0 0 rg BT 227.70 258.10 Td (structured ) Tj ET Q q 0 0 0 rg BT 270.89 258.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 317.40 258.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 362.25 258.10 Td (as ) Tj ET Q q 0 0 0 rg BT 373.79 258.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.33 258.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 444.62 258.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.62 258.10 Td (, ) Tj ET Q q 0 0 0 rg BT 470.33 258.10 Td (which ) Tj ET Q q 0 0 0 rg BT 497.97 258.10 Td (had ) Tj ET Q q 0 0 0 rg BT 515.62 258.10 Td (a ) Tj ET Q q 0 0 0 rg BT 523.27 258.10 Td (fixed ) Tj ET Q q 0 0 0 rg BT 547.02 258.10 Td (rate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 246.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 94.16 246.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 104.99 246.10 Td (4.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.82 246.10 Td ( ) Tj ET Q q 0 0 0 rg BT 133.32 246.10 Td (and ) Tj ET Q q 0 0 0 rg BT 150.26 246.10 Td (expired ) Tj ET Q q 0 0 0 rg BT 182.74 246.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.02 246.10 Td (March ) Tj ET Q q 0 0 0 rg BT 221.62 246.10 Td (2016.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 222.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 222.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 106.09 222.10 Td (payments ) Tj ET Q q 0 0 0 rg BT 146.91 222.10 Td (on ) Tj ET Q q 0 0 0 rg BT 159.41 222.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 201.35 222.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 249.40 222.10 Td (are ) Tj ET Q q 0 0 0 rg BT 264.11 222.10 Td (due ) Tj ET Q q 0 0 0 rg BT 281.04 222.10 Td (as ) Tj ET Q q 0 0 0 rg BT 291.88 222.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 324.38 222.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 337.98 222.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 210.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 187.60 416.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 187.60 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 163.60 416.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 163.60 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 139.60 416.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 139.60 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 115.60 416.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 115.60 96.00 -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 466.5 187.60000000000002 m 562.5 187.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 103.60000000000002 m 562.5 103.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 103.60000000000002 m 562.5 103.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 92.60000000000002 m 562.5 92.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 90.60000000000002 m 562.5 90.60000000000002 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 190.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 499.95 191.68 Td (Amount) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 178.22 Td (Years ending December31,) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 178.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 166.22 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.00 166.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 166.22 Td (109,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 154.22 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 154.22 Td (174,908) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 142.22 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 142.22 Td (15,562) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 130.22 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 130.22 Td (6,553) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 118.22 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 118.22 Td (1,345) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 106.22 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 106.22 Td (3,912) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 94.22 Td (Total) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.00 94.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 94.22 Td (311,790) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 237 0 obj <> endobj 238 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (18) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 12. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Junior) Tj ET Q q 0 0 0 rg BT 152.66 742.25 Td ( Subordinated Notes Issued to Capital ) Tj ET Q q 0 0 0 rg BT 316.95 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 322.88 742.25 Td (rusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.23 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.79 718.25 Td (has ) Tj ET Q q 0 0 0 rg BT 125.80 718.25 Td (established ) Tj ET Q q 0 0 0 rg BT 172.92 718.25 Td (statutory ) Tj ET Q q 0 0 0 rg BT 210.59 718.25 Td (trusts ) Tj ET Q q 0 0 0 rg BT 234.94 718.25 Td (for ) Tj ET Q q 0 0 0 rg BT 249.28 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.18 718.25 Td (sole ) Tj ET Q q 0 0 0 rg BT 282.96 718.25 Td (purpose ) Tj ET Q q 0 0 0 rg BT 317.30 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 328.31 718.25 Td (issuing ) Tj ET Q q 0 0 0 rg BT 359.33 718.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 379.79 718.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 419.11 718.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 459.55 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 476.67 718.25 Td (related ) Tj ET Q q 0 0 0 rg BT 506.55 718.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 527.01 718.25 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 94.49 706.25 Td (The ) Tj ET Q q 0 0 0 rg BT 111.90 706.25 Td (proceeds ) Tj ET Q q 0 0 0 rg BT 149.31 706.25 Td (from ) Tj ET Q q 0 0 0 rg BT 170.61 706.25 Td (such ) Tj ET Q q 0 0 0 rg BT 190.80 706.25 Td (issuances ) Tj ET Q q 0 0 0 rg BT 230.44 706.25 Td (were ) Tj ET Q q 0 0 0 rg BT 251.73 706.25 Td (used ) Tj ET Q q 0 0 0 rg BT 271.92 706.25 Td (by ) Tj ET Q q 0 0 0 rg BT 283.79 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.87 706.25 Td (trusts ) Tj ET Q q 0 0 0 rg BT 321.40 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 331.04 706.25 Td (purchase ) Tj ET Q q 0 0 0 rg BT 368.45 706.25 Td (junior ) Tj ET Q q 0 0 0 rg BT 394.20 706.25 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 447.72 706.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 470.69 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 480.88 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.96 706.25 Td (Company) Tj ET Q q 0 0 0 rg BT 533.20 706.25 Td (, ) Tj ET Q q 0 0 0 rg BT 537.57 706.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.73 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 79.48 694.25 Td (sole ) Tj ET Q q 0 0 0 rg BT 98.11 694.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 123.97 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.83 694.25 Td (each ) Tj ET Q q 0 0 0 rg BT 155.67 694.25 Td (trust. ) Tj ET Q q 0 0 0 rg BT 180.97 694.25 Td (Concurrently ) Tj ET Q q 0 0 0 rg BT 236.26 694.25 Td (with ) Tj ET Q q 0 0 0 rg BT 256.57 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.31 694.25 Td (issuance ) Tj ET Q q 0 0 0 rg BT 307.72 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 318.57 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.32 694.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 353.62 694.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 392.79 694.25 Td (securities, ) Tj ET Q q 0 0 0 rg BT 435.58 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 450.32 694.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 491.73 694.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 519.26 694.25 Td (guarantees ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.34 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 79.24 682.25 Td (benefit ) Tj ET Q q 0 0 0 rg BT 109.69 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 120.70 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 135.60 682.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 167.72 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.74 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.64 682.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 214.10 682.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 253.42 682.25 Td (securities. ) Tj ET Q q 0 0 0 rg BT 298.67 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 316.90 682.25 Td (Company) Tj ET Q q 0 0 0 rg BT 358.57 682.25 Td (s ) Tj ET Q q 0 0 0 rg BT 365.14 682.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 414.49 682.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 434.95 682.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 474.27 682.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 514.72 682.25 Td (qualify) Tj ET Q q 0 0 0 rg BT 542.39 682.25 Td (, ) Tj ET Q q 0 0 0 rg BT 547.57 682.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (are ) Tj ET Q q 0 0 0 rg BT 65.35 670.25 Td (treated ) Tj ET Q q 0 0 0 rg BT 95.70 670.25 Td (by ) Tj ET Q q 0 0 0 rg BT 108.85 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.21 670.25 Td (Company) Tj ET Q q 0 0 0 rg BT 162.45 670.25 Td (, ) Tj ET Q q 0 0 0 rg BT 168.10 670.25 Td (as ) Tj ET Q q 0 0 0 rg BT 179.35 670.25 Td (T) Tj ET Q q 0 0 0 rg BT 185.10 670.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 198.80 670.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 206.95 670.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 251.19 670.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 283.48 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 286.63 670.25 Td (Prior ) Tj ET Q q 0 0 0 rg BT 309.78 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 320.70 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.07 670.25 Td (completion ) Tj ET Q q 0 0 0 rg BT 384.20 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 395.68 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 410.35 670.25 Td (American ) Tj ET Q q 0 0 0 rg BT 452.92 670.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 495.49 670.25 Td (mer) Tj ET Q q 0 0 0 rg BT 510.86 670.25 Td (ger) Tj ET Q q 0 0 0 rg BT 523.23 670.25 Td (, ) Tj ET Q q 0 0 0 rg BT 528.87 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 544.24 670.25 Td (trust ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 88.25 658.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 127.64 658.25 Td (qualified, ) Tj ET Q q 0 0 0 rg BT 167.30 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 183.35 658.25 Td (were ) Tj ET Q q 0 0 0 rg BT 204.40 658.25 Td (treated ) Tj ET Q q 0 0 0 rg BT 233.22 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 244.84 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 258.68 658.25 Td (Company) Tj ET Q q 0 0 0 rg BT 296.91 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 301.03 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 310.86 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 316.62 658.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 328.79 658.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 335.41 658.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 378.12 658.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 408.89 658.25 Td () Tj ET Q q 0 0 0 rg BT 411.21 658.25 Td (The ) Tj ET Q q 0 0 0 rg BT 428.37 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 468.88 658.25 Td (owns ) Tj ET Q q 0 0 0 rg BT 491.61 658.25 Td (all ) Tj ET Q q 0 0 0 rg BT 503.22 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 513.17 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.01 658.25 Td (common ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.83 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 102.22 646.25 Td (each ) Tj ET Q q 0 0 0 rg BT 123.60 646.25 Td (trust. ) Tj ET Q q 0 0 0 rg BT 149.22 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 167.83 646.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 188.68 646.25 Td (preferred ) Tj ET Q q 0 0 0 rg BT 228.38 646.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 269.20 646.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 297.27 646.25 Td (by ) Tj ET Q q 0 0 0 rg BT 310.33 646.25 Td (each ) Tj ET Q q 0 0 0 rg BT 331.71 646.25 Td (trust ) Tj ET Q q 0 0 0 rg BT 352.55 646.25 Td (rank ) Tj ET Q q 0 0 0 rg BT 373.38 646.25 Td (equally ) Tj ET Q q 0 0 0 rg BT 405.88 646.25 Td (with ) Tj ET Q q 0 0 0 rg BT 426.72 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.01 646.25 Td (common ) Tj ET Q q 0 0 0 rg BT 480.06 646.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 520.89 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 531.73 646.25 Td (right ) Tj ET Q q 0 0 0 rg BT 553.69 646.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (payment, ) Tj ET Q q 0 0 0 rg BT 89.46 634.25 Td (except ) Tj ET Q q 0 0 0 rg BT 118.08 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 135.60 634.25 Td (if ) Tj ET Q q 0 0 0 rg BT 144.24 634.25 Td (an ) Tj ET Q q 0 0 0 rg BT 156.20 634.25 Td (event ) Tj ET Q q 0 0 0 rg BT 180.39 634.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.24 634.25 Td (default ) Tj ET Q q 0 0 0 rg BT 221.53 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 246.83 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 261.57 634.25 Td (indenture ) Tj ET Q q 0 0 0 rg BT 301.86 634.25 Td (governing ) Tj ET Q q 0 0 0 rg BT 344.94 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 359.68 634.25 Td (notes ) Tj ET Q q 0 0 0 rg BT 383.32 634.25 Td (has ) Tj ET Q q 0 0 0 rg BT 399.17 634.25 Td (occurred ) Tj ET Q q 0 0 0 rg BT 436.67 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.64 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 462.84 634.25 Td (continuing, ) Tj ET Q q 0 0 0 rg BT 510.64 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 525.38 634.25 Td (preferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 90.26 622.25 Td (will ) Tj ET Q q 0 0 0 rg BT 108.32 622.25 Td (rank ) Tj ET Q q 0 0 0 rg BT 128.59 622.25 Td (senior ) Tj ET Q q 0 0 0 rg BT 155.53 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.81 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 180.52 622.25 Td (common ) Tj ET Q q 0 0 0 rg BT 218.02 622.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 258.28 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 268.56 622.25 Td (right ) Tj ET Q q 0 0 0 rg BT 289.95 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 300.78 622.25 Td (payment.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (The table below summarizes the outstanding junior subordinated notes and the related trust preferred securities issued by each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (trust as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.94 586.25 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 170.52 586.25 Td ( \(in thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 550.75 112.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 550.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 550.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 550.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 550.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 550.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 550.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 550.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 550.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 512.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 512.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 512.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 512.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 512.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 512.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 512.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 512.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 512.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 484.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 484.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 484.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 484.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 484.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 484.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 484.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 484.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 484.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 456.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 456.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 456.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 456.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 456.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 456.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 456.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 456.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 456.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 428.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 428.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 428.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 428.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 428.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 428.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 428.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 428.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 428.75 96.00 -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 166.5 550.75 m 262.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 550.75 m 362.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 550.75 m 462.5 550.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 550.75 m 562.5 550.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 195.60 564.20 Td (CoalCity) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 185.40 555.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 215.99 555.20 Td (T) Tj ET Q q 0 0 0 rg BT 221.33 555.20 Td (rustI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.60 564.20 Td (MBFinancial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 283.65 555.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 314.24 555.20 Td (T) Tj ET Q q 0 0 0 rg BT 319.58 555.20 Td (rustII) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 387.60 564.20 Td (MBFinancial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 381.90 555.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 412.49 555.20 Td (T) Tj ET Q q 0 0 0 rg BT 417.83 555.20 Td (rustIII) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 487.60 564.20 Td (MBFinancial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 482.20 555.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 512.79 555.20 Td (T) Tj ET Q q 0 0 0 rg BT 518.13 555.20 Td (rustIV) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 531.21 Td (Junior Subordinated Notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 531.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 531.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 531.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 531.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 517.21 Td (Principal balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 517.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 517.21 Td (25,774) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 517.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 517.21 Td (36,083) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 517.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 517.21 Td (10,310) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 517.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 517.21 Td (20,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 503.21 Td (Annual interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 503.21 Td (3-mo LIBOR + 1.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.65 503.21 Td (3-mo LIBOR + 1.40%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.65 503.21 Td (3-mo LIBOR + 1.50%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.90 503.21 Td (3-mo LIBOR + 1.52%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 489.21 Td (Stated maturity date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.25 489.21 Td (September1, 2028) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 286.75 489.21 Td (September15, 2035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.75 489.21 Td (September23, 2036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.75 489.21 Td (September15, 2036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 475.21 Td (Call date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.25 475.21 Td (September1, 2008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 288.25 475.21 Td (December15, 2010) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.05 475.21 Td (September23, 2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.05 475.21 Td (September15, 2011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 461.21 Td (Trust Preferred Securities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 461.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 461.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 461.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 461.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 447.21 Td (Face Value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 447.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 447.21 Td (25,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 447.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 447.21 Td (35,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 447.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 434.25 447.21 Td (10,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 447.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 447.21 Td (20,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 433.21 Td (Annual distribution rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 433.21 Td (3-mo LIBOR + 1.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 275.65 433.21 Td (3-mo LIBOR + 1.40%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.65 433.21 Td (3-mo LIBOR + 1.50%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.90 433.21 Td (3-mo LIBOR + 1.52%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 419.21 Td (Issuance date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 223.70 419.21 Td (July1998) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.70 419.21 Td (August2005) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 423.70 419.21 Td (July2006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 512.70 419.21 Td (August2006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 405.21 Td (Distribution dates ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 119.49 409.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 405.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 405.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 405.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 405.21 Td (Quarterly) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 365.75 112.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 365.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 365.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 365.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 365.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 365.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 365.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 365.75 4.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 365.75 96.00 -24.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 327.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 327.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 327.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 327.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 327.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 327.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 327.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 327.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 327.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 299.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 299.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 299.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 299.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 299.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 299.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 299.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 299.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 299.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 271.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 271.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 271.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 271.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 271.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 271.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 271.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 271.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 271.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 243.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 243.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 243.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 243.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 243.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 362.50 243.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 366.50 243.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 243.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 243.75 96.00 -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 166.5 365.75 m 262.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 365.75 m 362.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 366.5 365.75 m 462.5 365.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 365.75 m 562.5 365.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 187.60 379.20 Td (MBFinancial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 184.05 370.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 214.64 370.20 Td (T) Tj ET Q q 0 0 0 rg BT 219.98 370.20 Td (rust) Tj ET Q q 0 0 0 rg BT 237.56 370.20 Td (V) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 287.60 379.20 Td (MBFinancial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 282.20 370.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 312.79 370.20 Td (T) Tj ET Q q 0 0 0 rg BT 318.13 370.20 Td (rust) Tj ET Q q 0 0 0 rg BT 335.71 370.20 Td (VI) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 401.70 379.20 Td (FOBB) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 373.35 370.20 Td (Statutory) Tj ET Q q 0 0 0 rg BT 411.93 370.20 Td (T) Tj ET Q q 0 0 0 rg BT 417.27 370.20 Td (rustIII) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 447.78 374.28 Td (\(2\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 501.95 379.20 Td (T) Tj ET Q q 0 0 0 rg BT 507.28 379.20 Td (A) Tj ET Q q 0 0 0 rg BT 512.96 379.20 Td (YC ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 479.10 370.20 Td (Capital) Tj ET Q q 0 0 0 rg BT 509.69 370.20 Td (T) Tj ET Q q 0 0 0 rg BT 515.03 370.20 Td (rustII) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 542.03 374.28 Td (\(3\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 346.21 Td (Junior Subordinated Notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 346.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 332.21 Td (Principal balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 332.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 332.21 Td (30,928) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 332.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 332.21 Td (23,196) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 332.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.75 332.21 Td (5,155) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 332.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 332.21 Td (41,238) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 318.21 Td (Annual interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 318.21 Td (3-mo LIBOR + 1.30%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.90 318.21 Td (3-mo LIBOR + 1.30%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.65 318.21 Td (3-mo LIBOR + 2.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.65 318.21 Td (3-mo LIBOR + 2.68%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 304.21 Td (Stated maturity date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.25 304.21 Td (December15, 2037) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 304.21 Td (October30, 2037) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 304.21 Td (January23, 2034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 304.21 Td (June17, 2034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 290.21 Td (Call date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.25 290.21 Td (December15, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 290.21 Td (October30, 2012) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 397.25 290.21 Td (January23, 2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 508.75 290.21 Td (June17, 2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 276.21 Td (Trust Preferred Securities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 276.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 276.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 459.00 276.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 276.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 262.21 Td (Face Value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 262.21 Td (30,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 262.21 Td (22,500) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 369.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 438.75 262.21 Td (5,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 469.00 262.21 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 534.25 262.21 Td (40,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 248.21 Td (Annual distribution rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 248.21 Td (3-mo LIBOR + 1.30%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.90 248.21 Td (3-mo LIBOR + 1.30%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.65 248.21 Td (3-mo LIBOR + 2.80%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.65 248.21 Td (3-mo LIBOR + 2.68%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 234.21 Td (Issuance date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.25 234.21 Td (September2007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 309.75 234.21 Td (October2007) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 401.75 234.21 Td (December2003) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 522.25 234.21 Td (June2004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 220.21 Td (Distribution dates ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 119.49 224.29 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 220.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 220.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 424.50 220.21 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.50 220.21 Td (Quarterly) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 182.75 112.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 182.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 182.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 182.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 182.75 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 156.75 112.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 156.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 156.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 156.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 156.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 132.75 112.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 132.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 132.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 132.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 132.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 105.75 112.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 105.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 105.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 105.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 105.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 81.75 112.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 162.50 81.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 166.50 81.75 96.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 81.75 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 81.75 96.00 -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 166.5 182.75 m 262.5 182.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 182.75 m 362.5 182.75 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 173.95 196.20 Td (American Charter) Tj ET Q q 0 0 0 rg BT 245.01 196.20 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 176.85 187.20 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 215.43 187.20 Td (T) Tj ET Q q 0 0 0 rg BT 220.77 187.20 Td (rust I ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 244.27 191.28 Td (\(4\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 273.95 196.20 Td (American Charter) Tj ET Q q 0 0 0 rg BT 345.01 196.20 Td (ed ) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 275.10 187.20 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 313.68 187.20 Td (T) Tj ET Q q 0 0 0 rg BT 319.02 187.20 Td (rust II ) Tj ET Q BT /F2 9.00 Tf ET BT /F2 5.85 Tf ET q 0 0 0 rg BT 346.02 191.28 Td (\(4\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 173.21 Td (Junior Subordinated Notes:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 173.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 173.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 160.01 Td (Principal balance) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 160.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 160.01 Td (20,619) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 160.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 160.01 Td (10,464) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 148.01 Td (Annual interest rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 148.01 Td (3-mo LIBOR + 3.60%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.90 148.01 Td (3-mo LIBOR + 2.75%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 136.01 Td (Stated maturity date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.25 136.01 Td (December18, 2031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.75 136.01 Td (October7, 2034) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 124.01 Td (Call date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 188.25 124.01 Td (December 18, 2006) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 300.75 124.01 Td (October7, 2009) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 110.21 Td (Trust Preferred Securities:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 110.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 359.00 110.21 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 97.01 Td (Face Value) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 169.00 97.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 234.25 97.01 Td (20,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 97.01 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 334.25 97.01 Td (10,000) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 85.01 Td (Annual distribution rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 177.90 85.01 Td (3-mo LIBOR + 3.60%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 277.90 85.01 Td (3-mo LIBOR + 2.75%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 73.01 Td (Issuance date) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 200.75 73.01 Td (November 2001) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 312.70 73.01 Td (August2004) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 61.01 Td (Distribution dates ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 119.49 65.09 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 224.50 61.01 Td (Quarterly) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.50 61.01 Td (Quarterly) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 239 0 obj <> endobj 240 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.65 31.60 Td (1) Tj ET Q q 0 0 0 rg BT 303.28 31.60 Td (19) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 746.88 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 742.80 Td (All ) Tj ET Q q 0 0 0 rg BT 99.75 742.80 Td (distributions ) Tj ET Q q 0 0 0 rg BT 147.00 742.80 Td (are ) Tj ET Q q 0 0 0 rg BT 160.24 742.80 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 202.48 742.80 Td (and ) Tj ET Q q 0 0 0 rg BT 217.72 742.80 Td (paid ) Tj ET Q q 0 0 0 rg BT 235.47 742.80 Td (in ) Tj ET Q q 0 0 0 rg BT 244.72 742.80 Td (cash.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 736.08 Td (\(2\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 732.00 Td (FOBB ) Tj ET Q q 0 0 0 rg BT 111.32 732.00 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 146.00 732.00 Td (T) Tj ET Q q 0 0 0 rg BT 151.18 732.00 Td (rust ) Tj ET Q q 0 0 0 rg BT 166.49 732.00 Td (III ) Tj ET Q q 0 0 0 rg BT 177.29 732.00 Td (was ) Tj ET Q q 0 0 0 rg BT 193.10 732.00 Td (established ) Tj ET Q q 0 0 0 rg BT 234.90 732.00 Td (by ) Tj ET Q q 0 0 0 rg BT 245.70 732.00 Td (First ) Tj ET Q q 0 0 0 rg BT 264.02 732.00 Td (Oak ) Tj ET Q q 0 0 0 rg BT 280.82 732.00 Td (Brook ) Tj ET Q q 0 0 0 rg BT 305.13 732.00 Td (Bancshares, ) Tj ET Q q 0 0 0 rg BT 350.18 732.00 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 365.73 732.00 Td (\(FOBB\) ) Tj ET Q q 0 0 0 rg BT 405.03 732.00 Td (prior ) Tj ET Q q 0 0 0 rg BT 424.34 732.00 Td (to ) Tj ET Q q 0 0 0 rg BT 433.15 732.00 Td (the ) Tj ET Q q 0 0 0 rg BT 445.95 732.00 Td (Company's ) Tj ET Q q 0 0 0 rg BT 487.88 732.00 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 529.19 732.00 Td (of ) Tj ET Q q 0 0 0 rg BT 538.49 732.00 Td (FOBB ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 721.20 Td (in ) Tj ET Q q 0 0 0 rg BT 94.42 721.20 Td (2006, ) Tj ET Q q 0 0 0 rg BT 116.08 721.20 Td (and ) Tj ET Q q 0 0 0 rg BT 130.49 721.20 Td (the ) Tj ET Q q 0 0 0 rg BT 142.90 721.20 Td (junior ) Tj ET Q q 0 0 0 rg BT 165.81 721.20 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 213.72 721.20 Td (notes ) Tj ET Q q 0 0 0 rg BT 234.13 721.20 Td (issued ) Tj ET Q q 0 0 0 rg BT 258.05 721.20 Td (by ) Tj ET Q q 0 0 0 rg BT 268.46 721.20 Td (FOBB ) Tj ET Q q 0 0 0 rg BT 293.39 721.20 Td (to ) Tj ET Q q 0 0 0 rg BT 301.80 721.20 Td (FOBB ) Tj ET Q q 0 0 0 rg BT 326.73 721.20 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 361.04 721.20 Td (T) Tj ET Q q 0 0 0 rg BT 366.22 721.20 Td (rust ) Tj ET Q q 0 0 0 rg BT 381.14 721.20 Td (III ) Tj ET Q q 0 0 0 rg BT 391.54 721.20 Td (were ) Tj ET Q q 0 0 0 rg BT 410.44 721.20 Td (assumed ) Tj ET Q q 0 0 0 rg BT 442.85 721.20 Td (by ) Tj ET Q q 0 0 0 rg BT 453.27 721.20 Td (the ) Tj ET Q q 0 0 0 rg BT 465.68 721.20 Td (Company ) Tj ET Q q 0 0 0 rg BT 502.09 721.20 Td (upon ) Tj ET Q q 0 0 0 rg BT 521.51 721.20 Td (completion ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 710.40 Td (of ) Tj ET Q q 0 0 0 rg BT 95.75 710.40 Td (the ) Tj ET Q q 0 0 0 rg BT 108.99 710.40 Td (acquisition.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 703.68 Td (\(3\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 699.60 Td (T) Tj ET Q q 0 0 0 rg BT 90.78 699.60 Td (A) Tj ET Q q 0 0 0 rg BT 96.45 699.60 Td (YC ) Tj ET Q q 0 0 0 rg BT 111.13 699.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 139.15 699.60 Td (T) Tj ET Q q 0 0 0 rg BT 144.33 699.60 Td (rust ) Tj ET Q q 0 0 0 rg BT 160.02 699.60 Td (II ) Tj ET Q q 0 0 0 rg BT 168.19 699.60 Td (was ) Tj ET Q q 0 0 0 rg BT 184.37 699.60 Td (established ) Tj ET Q q 0 0 0 rg BT 226.54 699.60 Td (by ) Tj ET Q q 0 0 0 rg BT 237.57 699.60 Td (T) Tj ET Q q 0 0 0 rg BT 242.44 699.60 Td (aylor ) Tj ET Q q 0 0 0 rg BT 263.11 699.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 291.29 699.60 Td (prior ) Tj ET Q q 0 0 0 rg BT 310.96 699.60 Td (to ) Tj ET Q q 0 0 0 rg BT 320.15 699.60 Td (the ) Tj ET Q q 0 0 0 rg BT 333.32 699.60 Td (Company's ) Tj ET Q q 0 0 0 rg BT 375.63 699.60 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 417.30 699.60 Td (of ) Tj ET Q q 0 0 0 rg BT 426.83 699.60 Td (T) Tj ET Q q 0 0 0 rg BT 431.69 699.60 Td (aylor ) Tj ET Q q 0 0 0 rg BT 452.37 699.60 Td (Capital ) Tj ET Q q 0 0 0 rg BT 480.54 699.60 Td (in ) Tj ET Q q 0 0 0 rg BT 489.73 699.60 Td (2014, ) Tj ET Q q 0 0 0 rg BT 512.16 699.60 Td (and ) Tj ET Q q 0 0 0 rg BT 527.34 699.60 Td (the ) Tj ET Q q 0 0 0 rg BT 540.51 699.60 Td (junior ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 688.80 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 133.85 688.80 Td (notes ) Tj ET Q q 0 0 0 rg BT 154.20 688.80 Td (issued ) Tj ET Q q 0 0 0 rg BT 178.06 688.80 Td (by ) Tj ET Q q 0 0 0 rg BT 188.32 688.80 Td (T) Tj ET Q q 0 0 0 rg BT 193.19 688.80 Td (aylor ) Tj ET Q q 0 0 0 rg BT 213.04 688.80 Td (Capital ) Tj ET Q q 0 0 0 rg BT 240.39 688.80 Td (to ) Tj ET Q q 0 0 0 rg BT 248.65 688.80 Td (T) Tj ET Q q 0 0 0 rg BT 253.42 688.80 Td (A) Tj ET Q q 0 0 0 rg BT 259.10 688.80 Td (YC ) Tj ET Q q 0 0 0 rg BT 272.95 688.80 Td (Capital ) Tj ET Q q 0 0 0 rg BT 300.21 688.80 Td (T) Tj ET Q q 0 0 0 rg BT 305.39 688.80 Td (rust ) Tj ET Q q 0 0 0 rg BT 320.25 688.80 Td (II ) Tj ET Q q 0 0 0 rg BT 327.60 688.80 Td (were ) Tj ET Q q 0 0 0 rg BT 346.44 688.80 Td (assumed ) Tj ET Q q 0 0 0 rg BT 378.79 688.80 Td (by ) Tj ET Q q 0 0 0 rg BT 389.15 688.80 Td (the ) Tj ET Q q 0 0 0 rg BT 401.50 688.80 Td (Company ) Tj ET Q q 0 0 0 rg BT 437.85 688.80 Td (upon ) Tj ET Q q 0 0 0 rg BT 457.21 688.80 Td (completion ) Tj ET Q q 0 0 0 rg BT 499.06 688.80 Td (of ) Tj ET Q q 0 0 0 rg BT 507.91 688.80 Td (the ) Tj ET Q q 0 0 0 rg BT 520.27 688.80 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 564.26 688.80 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 678.00 Td (Principal ) Tj ET Q q 0 0 0 rg BT 120.48 678.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 149.95 678.00 Td (and ) Tj ET Q q 0 0 0 rg BT 164.93 678.00 Td (face ) Tj ET Q q 0 0 0 rg BT 181.90 678.00 Td (value ) Tj ET Q q 0 0 0 rg BT 203.38 678.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 235.87 678.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 274.84 678.00 Td (with ) Tj ET Q q 0 0 0 rg BT 292.69 678.00 Td (T) Tj ET Q q 0 0 0 rg BT 297.46 678.00 Td (A) Tj ET Q q 0 0 0 rg BT 303.14 678.00 Td (YC ) Tj ET Q q 0 0 0 rg BT 317.63 678.00 Td (Capital ) Tj ET Q q 0 0 0 rg BT 345.47 678.00 Td (T) Tj ET Q q 0 0 0 rg BT 350.65 678.00 Td (rust ) Tj ET Q q 0 0 0 rg BT 366.14 678.00 Td (II ) Tj ET Q q 0 0 0 rg BT 374.12 678.00 Td (do ) Tj ET Q q 0 0 0 rg BT 385.11 678.00 Td (not ) Tj ET Q q 0 0 0 rg BT 398.60 678.00 Td (include ) Tj ET Q q 0 0 0 rg BT 427.08 678.00 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 468.56 678.00 Td (accounting ) Tj ET Q q 0 0 0 rg BT 510.03 678.00 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 555.02 678.00 Td (to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 667.20 Td (such ) Tj ET Q q 0 0 0 rg BT 104.75 667.20 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 139.75 667.20 Td (which ) Tj ET Q q 0 0 0 rg BT 163.99 667.20 Td (in ) Tj ET Q q 0 0 0 rg BT 173.24 667.20 Td (each ) Tj ET Q q 0 0 0 rg BT 191.97 667.20 Td (case ) Tj ET Q q 0 0 0 rg BT 209.71 667.20 Td (resulted ) Tj ET Q q 0 0 0 rg BT 240.45 667.20 Td (in ) Tj ET Q q 0 0 0 rg BT 249.70 667.20 Td (a ) Tj ET Q q 0 0 0 rg BT 255.95 667.20 Td (discount. ) Tj ET Q q 0 0 0 rg BT 290.94 667.20 Td ( ) Tj ET Q q 0 0 0 rg BT 293.03 667.20 Td (This ) Tj ET Q q 0 0 0 rg BT 311.28 667.20 Td (discount ) Tj ET Q q 0 0 0 rg BT 344.03 667.20 Td (was ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 360.28 667.20 Td ($6.8 ) Tj ET Q q 0 0 0 rg BT 378.28 667.20 Td (million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 404.28 667.20 Td ( ) Tj ET Q q 0 0 0 rg BT 406.53 667.20 Td (as ) Tj ET Q q 0 0 0 rg BT 416.28 667.20 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.02 667.20 Td (December31, ) Tj ET Q q 0 0 0 rg BT 478.75 667.20 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 496.75 667.20 Td (.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 660.48 Td (\(4\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 656.40 Td (American ) Tj ET Q q 0 0 0 rg BT 123.54 656.40 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 161.07 656.40 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 195.98 656.40 Td (T) Tj ET Q q 0 0 0 rg BT 201.16 656.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 216.72 656.40 Td (I ) Tj ET Q q 0 0 0 rg BT 221.77 656.40 Td (and ) Tj ET Q q 0 0 0 rg BT 236.37 656.40 Td (American ) Tj ET Q q 0 0 0 rg BT 273.90 656.40 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 311.44 656.40 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 346.35 656.40 Td (T) Tj ET Q q 0 0 0 rg BT 351.53 656.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 367.08 656.40 Td (II ) Tj ET Q q 0 0 0 rg BT 375.13 656.40 Td (were ) Tj ET Q q 0 0 0 rg BT 394.67 656.40 Td (established ) Tj ET Q q 0 0 0 rg BT 436.72 656.40 Td (by ) Tj ET Q q 0 0 0 rg BT 447.32 656.40 Td (American ) Tj ET Q q 0 0 0 rg BT 484.86 656.40 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 522.40 656.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 541.95 656.40 Td (to ) Tj ET Q q 0 0 0 rg BT 551.00 656.40 Td (the ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 645.60 Td (Company's ) Tj ET Q q 0 0 0 rg BT 128.83 645.60 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 171.03 645.60 Td (of ) Tj ET Q q 0 0 0 rg BT 180.64 645.60 Td (American ) Tj ET Q q 0 0 0 rg BT 218.83 645.60 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 257.02 645.60 Td (in ) Tj ET Q q 0 0 0 rg BT 266.13 645.60 Td (August ) Tj ET Q q 0 0 0 rg BT 294.84 645.60 Td (2016, ) Tj ET Q q 0 0 0 rg BT 317.80 645.60 Td (and ) Tj ET Q q 0 0 0 rg BT 333.50 645.60 Td (the ) Tj ET Q q 0 0 0 rg BT 347.20 645.60 Td (junior ) Tj ET Q q 0 0 0 rg BT 371.41 645.60 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 420.61 645.60 Td (notes ) Tj ET Q q 0 0 0 rg BT 442.31 645.60 Td (issued ) Tj ET Q q 0 0 0 rg BT 467.52 645.60 Td (by ) Tj ET Q q 0 0 0 rg BT 478.63 645.60 Td (American ) Tj ET Q q 0 0 0 rg BT 516.82 645.60 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 555.01 645.60 Td (to ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 634.80 Td (American ) Tj ET Q q 0 0 0 rg BT 123.71 634.80 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 161.42 634.80 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 196.48 634.80 Td (T) Tj ET Q q 0 0 0 rg BT 201.66 634.80 Td (rust ) Tj ET Q q 0 0 0 rg BT 217.39 634.80 Td (I ) Tj ET Q q 0 0 0 rg BT 222.61 634.80 Td (and ) Tj ET Q q 0 0 0 rg BT 237.34 634.80 Td (American ) Tj ET Q q 0 0 0 rg BT 275.05 634.80 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 312.76 634.80 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 347.83 634.80 Td (T) Tj ET Q q 0 0 0 rg BT 353.01 634.80 Td (rust ) Tj ET Q q 0 0 0 rg BT 368.73 634.80 Td (II ) Tj ET Q q 0 0 0 rg BT 376.95 634.80 Td (were ) Tj ET Q q 0 0 0 rg BT 396.67 634.80 Td (assumed ) Tj ET Q q 0 0 0 rg BT 429.89 634.80 Td (by ) Tj ET Q q 0 0 0 rg BT 441.12 634.80 Td (the ) Tj ET Q q 0 0 0 rg BT 454.34 634.80 Td (Company ) Tj ET Q q 0 0 0 rg BT 491.56 634.80 Td (upon ) Tj ET Q q 0 0 0 rg BT 511.79 634.80 Td (completion ) Tj ET Q q 0 0 0 rg BT 554.51 634.80 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 624.00 Td (the ) Tj ET Q q 0 0 0 rg BT 98.30 624.00 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 141.34 624.00 Td ( ) Tj ET Q q 0 0 0 rg BT 142.64 624.00 Td (Principal ) Tj ET Q q 0 0 0 rg BT 176.44 624.00 Td (balance ) Tj ET Q q 0 0 0 rg BT 205.21 624.00 Td (and ) Tj ET Q q 0 0 0 rg BT 219.51 624.00 Td (face ) Tj ET Q q 0 0 0 rg BT 235.79 624.00 Td (value ) Tj ET Q q 0 0 0 rg BT 256.58 624.00 Td (amounts ) Tj ET Q q 0 0 0 rg BT 288.38 624.00 Td (associated ) Tj ET Q q 0 0 0 rg BT 326.67 624.00 Td (with ) Tj ET Q q 0 0 0 rg BT 343.68 624.00 Td (American ) Tj ET Q q 0 0 0 rg BT 380.46 624.00 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 417.25 624.00 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 451.45 624.00 Td (T) Tj ET Q q 0 0 0 rg BT 456.63 624.00 Td (rust ) Tj ET Q q 0 0 0 rg BT 471.43 624.00 Td (I ) Tj ET Q q 0 0 0 rg BT 475.73 624.00 Td (and ) Tj ET Q q 0 0 0 rg BT 489.74 624.00 Td (American ) Tj ET Q q 0 0 0 rg BT 526.52 624.00 Td (Chartered ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 613.20 Td (Statutory ) Tj ET Q q 0 0 0 rg BT 121.06 613.20 Td (T) Tj ET Q q 0 0 0 rg BT 126.24 613.20 Td (rust ) Tj ET Q q 0 0 0 rg BT 141.96 613.20 Td (II ) Tj ET Q q 0 0 0 rg BT 150.17 613.20 Td (do ) Tj ET Q q 0 0 0 rg BT 161.39 613.20 Td (not ) Tj ET Q q 0 0 0 rg BT 175.11 613.20 Td (include ) Tj ET Q q 0 0 0 rg BT 203.82 613.20 Td (purchase ) Tj ET Q q 0 0 0 rg BT 238.02 613.20 Td (accounting ) Tj ET Q q 0 0 0 rg BT 279.73 613.20 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 324.94 613.20 Td (to ) Tj ET Q q 0 0 0 rg BT 334.16 613.20 Td (such ) Tj ET Q q 0 0 0 rg BT 352.88 613.20 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 387.85 613.20 Td (which ) Tj ET Q q 0 0 0 rg BT 412.06 613.20 Td (in ) Tj ET Q q 0 0 0 rg BT 421.28 613.20 Td (each ) Tj ET Q q 0 0 0 rg BT 439.98 613.20 Td (case ) Tj ET Q q 0 0 0 rg BT 457.69 613.20 Td (resulted ) Tj ET Q q 0 0 0 rg BT 488.40 613.20 Td (in ) Tj ET Q q 0 0 0 rg BT 497.62 613.20 Td (a ) Tj ET Q q 0 0 0 rg BT 503.83 613.20 Td (discount ) Tj ET Q q 0 0 0 rg BT 536.55 613.20 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 546.26 613.20 Td ($6.4 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 602.40 Td (million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 112.00 602.40 Td ( ) Tj ET Q q 0 0 0 rg BT 114.25 602.40 Td (as ) Tj ET Q q 0 0 0 rg BT 124.00 602.40 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 133.75 602.40 Td (December31, ) Tj ET Q q 0 0 0 rg BT 186.47 602.40 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 204.47 602.40 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 590.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 578.40 Td (The ) Tj ET Q q 0 0 0 rg BT 67.68 578.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 87.59 578.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 126.35 578.40 Td (securities ) Tj ET Q q 0 0 0 rg BT 166.25 578.40 Td (are ) Tj ET Q q 0 0 0 rg BT 180.59 578.40 Td (subject ) Tj ET Q q 0 0 0 rg BT 211.04 578.40 Td (to ) Tj ET Q q 0 0 0 rg BT 220.95 578.40 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 265.85 578.40 Td (redemption, ) Tj ET Q q 0 0 0 rg BT 316.02 578.40 Td (in ) Tj ET Q q 0 0 0 rg BT 325.93 578.40 Td (whole ) Tj ET Q q 0 0 0 rg BT 352.50 578.40 Td (or ) Tj ET Q q 0 0 0 rg BT 362.96 578.40 Td (in ) Tj ET Q q 0 0 0 rg BT 372.87 578.40 Td (part, ) Tj ET Q q 0 0 0 rg BT 393.05 578.40 Td (upon ) Tj ET Q q 0 0 0 rg BT 415.18 578.40 Td (repayment ) Tj ET Q q 0 0 0 rg BT 459.52 578.40 Td (of ) Tj ET Q q 0 0 0 rg BT 469.98 578.40 Td (the ) Tj ET Q q 0 0 0 rg BT 484.33 578.40 Td (junior ) Tj ET Q q 0 0 0 rg BT 510.34 578.40 Td (subordinated ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 566.40 Td (notes ) Tj ET Q q 0 0 0 rg BT 73.83 566.40 Td (at ) Tj ET Q q 0 0 0 rg BT 83.77 566.40 Td (the ) Tj ET Q q 0 0 0 rg BT 98.71 566.40 Td (stated ) Tj ET Q q 0 0 0 rg BT 124.75 566.40 Td (maturity ) Tj ET Q q 0 0 0 rg BT 161.35 566.40 Td (date ) Tj ET Q q 0 0 0 rg BT 180.73 566.40 Td (or ) Tj ET Q q 0 0 0 rg BT 191.78 566.40 Td (upon ) Tj ET Q q 0 0 0 rg BT 214.50 566.40 Td (redemption. ) Tj ET Q q 0 0 0 rg BT 267.77 566.40 Td (Each ) Tj ET Q q 0 0 0 rg BT 290.47 566.40 Td (trust) Tj ET Q q 0 0 0 rg BT 311.03 566.40 Td (s ) Tj ET Q q 0 0 0 rg BT 317.64 566.40 Td (ability ) Tj ET Q q 0 0 0 rg BT 345.92 566.40 Td (to ) Tj ET Q q 0 0 0 rg BT 356.42 566.40 Td (pay ) Tj ET Q q 0 0 0 rg BT 373.58 566.40 Td (amounts ) Tj ET Q q 0 0 0 rg BT 410.18 566.40 Td (due ) Tj ET Q q 0 0 0 rg BT 427.34 566.40 Td (on ) Tj ET Q q 0 0 0 rg BT 440.06 566.40 Td (the ) Tj ET Q q 0 0 0 rg BT 455.00 566.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 475.50 566.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 514.86 566.40 Td (securities ) Tj ET Q q 0 0 0 rg BT 555.34 566.40 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 554.40 Td (solely ) Tj ET Q q 0 0 0 rg BT 76.15 554.40 Td (dependent ) Tj ET Q q 0 0 0 rg BT 119.50 554.40 Td (upon ) Tj ET Q q 0 0 0 rg BT 141.76 554.40 Td (the ) Tj ET Q q 0 0 0 rg BT 156.24 554.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 197.39 554.40 Td (making ) Tj ET Q q 0 0 0 rg BT 229.64 554.40 Td (payment ) Tj ET Q q 0 0 0 rg BT 266.34 554.40 Td (on ) Tj ET Q q 0 0 0 rg BT 278.60 554.40 Td (the ) Tj ET Q q 0 0 0 rg BT 293.08 554.40 Td (related ) Tj ET Q q 0 0 0 rg BT 322.54 554.40 Td (junior ) Tj ET Q q 0 0 0 rg BT 348.69 554.40 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 402.60 554.40 Td (notes. ) Tj ET Q q 0 0 0 rg BT 430.81 554.40 Td (The ) Tj ET Q q 0 0 0 rg BT 448.62 554.40 Td (Company) Tj ET Q q 0 0 0 rg BT 490.28 554.40 Td (s ) Tj ET Q q 0 0 0 rg BT 496.43 554.40 Td (obligation ) Tj ET Q q 0 0 0 rg BT 539.25 554.40 Td (under ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 542.40 Td (the ) Tj ET Q q 0 0 0 rg BT 64.89 542.40 Td (junior ) Tj ET Q q 0 0 0 rg BT 91.46 542.40 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 145.79 542.40 Td (notes ) Tj ET Q q 0 0 0 rg BT 169.58 542.40 Td (and ) Tj ET Q q 0 0 0 rg BT 186.69 542.40 Td (other ) Tj ET Q q 0 0 0 rg BT 209.92 542.40 Td (relevant ) Tj ET Q q 0 0 0 rg BT 244.80 542.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 265.25 542.40 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 315.96 542.40 Td (in ) Tj ET Q q 0 0 0 rg BT 326.42 542.40 Td (aggregate, ) Tj ET Q q 0 0 0 rg BT 370.46 542.40 Td (constitute ) Tj ET Q q 0 0 0 rg BT 412.01 542.40 Td (a ) Tj ET Q q 0 0 0 rg BT 419.13 542.40 Td (full ) Tj ET Q q 0 0 0 rg BT 435.69 542.40 Td (and ) Tj ET Q q 0 0 0 rg BT 452.81 542.40 Td (unconditional ) Tj ET Q q 0 0 0 rg BT 510.48 542.40 Td (guarantee ) Tj ET Q q 0 0 0 rg BT 552.02 542.40 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.40 Td (the ) Tj ET Q q 0 0 0 rg BT 65.00 530.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 106.67 530.40 Td (of ) Tj ET Q q 0 0 0 rg BT 117.78 530.40 Td (each ) Tj ET Q q 0 0 0 rg BT 138.88 530.40 Td (trust) Tj ET Q q 0 0 0 rg BT 159.44 530.40 Td (s ) Tj ET Q q 0 0 0 rg BT 166.11 530.40 Td (obligations ) Tj ET Q q 0 0 0 rg BT 213.34 530.40 Td (under ) Tj ET Q q 0 0 0 rg BT 238.89 530.40 Td (the ) Tj ET Q q 0 0 0 rg BT 253.89 530.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 274.45 530.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 313.87 530.40 Td (securities ) Tj ET Q q 0 0 0 rg BT 354.42 530.40 Td (issued ) Tj ET Q q 0 0 0 rg BT 382.20 530.40 Td (by ) Tj ET Q q 0 0 0 rg BT 394.99 530.40 Td (each ) Tj ET Q q 0 0 0 rg BT 416.08 530.40 Td (trust. ) Tj ET Q q 0 0 0 rg BT 441.44 530.40 Td (The ) Tj ET Q q 0 0 0 rg BT 459.77 530.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 501.44 530.40 Td (has ) Tj ET Q q 0 0 0 rg BT 517.56 530.40 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 530.40 Td (right ) Tj ET Q q 0 0 0 rg BT 554.23 530.40 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.40 Td (defer ) Tj ET Q q 0 0 0 rg BT 73.37 518.40 Td (payment ) Tj ET Q q 0 0 0 rg BT 110.63 518.40 Td (of ) Tj ET Q q 0 0 0 rg BT 121.79 518.40 Td (interest ) Tj ET Q q 0 0 0 rg BT 154.05 518.40 Td (on ) Tj ET Q q 0 0 0 rg BT 166.88 518.40 Td (the ) Tj ET Q q 0 0 0 rg BT 181.92 518.40 Td (notes ) Tj ET Q q 0 0 0 rg BT 205.86 518.40 Td (and, ) Tj ET Q q 0 0 0 rg BT 225.63 518.40 Td (therefore, ) Tj ET Q q 0 0 0 rg BT 267.04 518.40 Td (distributions ) Tj ET Q q 0 0 0 rg BT 319.87 518.40 Td (on ) Tj ET Q q 0 0 0 rg BT 332.70 518.40 Td (the ) Tj ET Q q 0 0 0 rg BT 347.75 518.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 368.35 518.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 407.82 518.40 Td (securities, ) Tj ET Q q 0 0 0 rg BT 450.91 518.40 Td (for ) Tj ET Q q 0 0 0 rg BT 465.40 518.40 Td (up ) Tj ET Q q 0 0 0 rg BT 478.23 518.40 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.83 518.40 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 504.38 518.40 Td ( ) Tj ET Q q 0 0 0 rg BT 507.21 518.40 Td (years, ) Tj ET Q q 0 0 0 rg BT 533.64 518.40 Td (but ) Tj ET Q q 0 0 0 rg BT 549.24 518.40 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 506.40 Td (beyond ) Tj ET Q q 0 0 0 rg BT 82.23 506.40 Td (the ) Tj ET Q q 0 0 0 rg BT 97.23 506.40 Td (stated ) Tj ET Q q 0 0 0 rg BT 123.34 506.40 Td (maturity ) Tj ET Q q 0 0 0 rg BT 160.01 506.40 Td (date ) Tj ET Q q 0 0 0 rg BT 179.46 506.40 Td (in ) Tj ET Q q 0 0 0 rg BT 190.02 506.40 Td (the ) Tj ET Q q 0 0 0 rg BT 205.03 506.40 Td (table ) Tj ET Q q 0 0 0 rg BT 227.25 506.40 Td (above. ) Tj ET Q q 0 0 0 rg BT 258.92 506.40 Td (During ) Tj ET Q q 0 0 0 rg BT 290.03 506.40 Td (any ) Tj ET Q q 0 0 0 rg BT 307.26 506.40 Td (such ) Tj ET Q q 0 0 0 rg BT 328.38 506.40 Td (deferral ) Tj ET Q q 0 0 0 rg BT 362.25 506.40 Td (period, ) Tj ET Q q 0 0 0 rg BT 393.09 506.40 Td (the ) Tj ET Q q 0 0 0 rg BT 408.09 506.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 449.77 506.40 Td (may ) Tj ET Q q 0 0 0 rg BT 469.77 506.40 Td (not ) Tj ET Q q 0 0 0 rg BT 485.34 506.40 Td (pay ) Tj ET Q q 0 0 0 rg BT 502.56 506.40 Td (cash ) Tj ET Q q 0 0 0 rg BT 523.12 506.40 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.40 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 494.40 Td (its ) Tj ET Q q 0 0 0 rg BT 74.45 494.40 Td (common ) Tj ET Q q 0 0 0 rg BT 111.94 494.40 Td (or ) Tj ET Q q 0 0 0 rg BT 122.77 494.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 161.91 494.40 Td (stock ) Tj ET Q q 0 0 0 rg BT 185.52 494.40 Td (and ) Tj ET Q q 0 0 0 rg BT 202.46 494.40 Td (generally ) Tj ET Q q 0 0 0 rg BT 242.16 494.40 Td (may ) Tj ET Q q 0 0 0 rg BT 261.88 494.40 Td (not ) Tj ET Q q 0 0 0 rg BT 277.15 494.40 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 322.96 494.40 Td (its ) Tj ET Q q 0 0 0 rg BT 334.91 494.40 Td (common ) Tj ET Q q 0 0 0 rg BT 372.40 494.40 Td (or ) Tj ET Q q 0 0 0 rg BT 383.23 494.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 422.37 494.40 Td (stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 470.40 Td (On ) Tj ET Q q 0 0 0 rg BT 65.14 470.40 Td (September ) Tj ET Q q 0 0 0 rg BT 110.82 470.40 Td (22, ) Tj ET Q q 0 0 0 rg BT 126.23 470.40 Td (2014, ) Tj ET Q q 0 0 0 rg BT 151.65 470.40 Td (the ) Tj ET Q q 0 0 0 rg BT 166.78 470.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 208.59 470.40 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 250.37 470.40 Td (the ) Tj ET Q q 0 0 0 rg BT 265.50 470.40 Td (junior ) Tj ET Q q 0 0 0 rg BT 292.30 470.40 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 346.88 470.40 Td (notes ) Tj ET Q q 0 0 0 rg BT 370.90 470.40 Td (held ) Tj ET Q q 0 0 0 rg BT 391.03 470.40 Td (by ) Tj ET Q q 0 0 0 rg BT 403.74 470.40 Td (T) Tj ET Q q 0 0 0 rg BT 409.15 470.40 Td (aylor ) Tj ET Q q 0 0 0 rg BT 432.61 470.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 464.20 470.40 Td (T) Tj ET Q q 0 0 0 rg BT 469.96 470.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 487.87 470.40 Td (I ) Tj ET Q q 0 0 0 rg BT 494.12 470.40 Td (and ) Tj ET Q q 0 0 0 rg BT 511.47 470.40 Td (concurrently ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 458.40 Td (redeemed ) Tj ET Q q 0 0 0 rg BT 91.41 458.40 Td (all ) Tj ET Q q 0 0 0 rg BT 103.96 458.40 Td (of ) Tj ET Q q 0 0 0 rg BT 114.83 458.40 Td (the ) Tj ET Q q 0 0 0 rg BT 129.60 458.40 Td (issued ) Tj ET Q q 0 0 0 rg BT 157.15 458.40 Td (and ) Tj ET Q q 0 0 0 rg BT 174.14 458.40 Td (outstanding ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 223.35 458.40 Td (9.75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.18 458.40 Td ( ) Tj ET Q q 0 0 0 rg BT 251.54 458.40 Td (T) Tj ET Q q 0 0 0 rg BT 256.85 458.40 Td (A) Tj ET Q q 0 0 0 rg BT 263.16 458.40 Td (YC ) Tj ET Q q 0 0 0 rg BT 279.60 458.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 310.84 458.40 Td (T) Tj ET Q q 0 0 0 rg BT 316.60 458.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 334.15 458.40 Td (I ) Tj ET Q q 0 0 0 rg BT 340.03 458.40 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 379.77 458.40 Td (Securities. ) Tj ET Q q 0 0 0 rg BT 424.26 458.40 Td ( ) Tj ET Q q 0 0 0 rg BT 426.62 458.40 Td (The ) Tj ET Q q 0 0 0 rg BT 444.72 458.40 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 486.13 458.40 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 532.01 458.40 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 446.40 Td (of ) Tj ET Q q 0 0 0 rg BT 60.38 446.40 Td (the ) Tj ET Q q 0 0 0 rg BT 74.64 446.40 Td (trust ) Tj ET Q q 0 0 0 rg BT 94.46 446.40 Td (preferred ) Tj ET Q q 0 0 0 rg BT 133.14 446.40 Td (securities ) Tj ET Q q 0 0 0 rg BT 172.95 446.40 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 190.55 446.40 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 215.10 446.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.99 446.40 Td (. ) Tj ET Q q 0 0 0 rg BT 248.54 446.40 Td ( ) Tj ET Q q 0 0 0 rg BT 250.43 446.40 Td (T) Tj ET Q q 0 0 0 rg BT 255.74 446.40 Td (A) Tj ET Q q 0 0 0 rg BT 262.04 446.40 Td (YC ) Tj ET Q q 0 0 0 rg BT 277.98 446.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 308.76 446.40 Td (T) Tj ET Q q 0 0 0 rg BT 314.52 446.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 331.56 446.40 Td (I ) Tj ET Q q 0 0 0 rg BT 336.94 446.40 Td (was ) Tj ET Q q 0 0 0 rg BT 354.54 446.40 Td (established ) Tj ET Q q 0 0 0 rg BT 401.02 446.40 Td (by ) Tj ET Q q 0 0 0 rg BT 412.92 446.40 Td (T) Tj ET Q q 0 0 0 rg BT 418.33 446.40 Td (aylor ) Tj ET Q q 0 0 0 rg BT 440.92 446.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 471.85 446.40 Td (prior ) Tj ET Q q 0 0 0 rg BT 493.33 446.40 Td (to ) Tj ET Q q 0 0 0 rg BT 503.15 446.40 Td (the ) Tj ET Q q 0 0 0 rg BT 517.42 446.40 Td (Company's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 434.40 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 96.51 434.40 Td (of ) Tj ET Q q 0 0 0 rg BT 107.28 434.40 Td (T) Tj ET Q q 0 0 0 rg BT 112.69 434.40 Td (aylor ) Tj ET Q q 0 0 0 rg BT 135.87 434.40 Td (Capital, ) Tj ET Q q 0 0 0 rg BT 169.88 434.40 Td (and ) Tj ET Q q 0 0 0 rg BT 186.95 434.40 Td (the ) Tj ET Q q 0 0 0 rg BT 201.79 434.40 Td (junior ) Tj ET Q q 0 0 0 rg BT 228.31 434.40 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 282.59 434.40 Td (notes ) Tj ET Q q 0 0 0 rg BT 306.33 434.40 Td (issued ) Tj ET Q q 0 0 0 rg BT 333.96 434.40 Td (by ) Tj ET Q q 0 0 0 rg BT 346.40 434.40 Td (T) Tj ET Q q 0 0 0 rg BT 351.81 434.40 Td (aylor ) Tj ET Q q 0 0 0 rg BT 374.99 434.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 406.50 434.40 Td (to ) Tj ET Q q 0 0 0 rg BT 416.72 434.40 Td (T) Tj ET Q q 0 0 0 rg BT 422.02 434.40 Td (A) Tj ET Q q 0 0 0 rg BT 428.33 434.40 Td (YC ) Tj ET Q q 0 0 0 rg BT 444.85 434.40 Td (Capital ) Tj ET Q q 0 0 0 rg BT 476.17 434.40 Td (T) Tj ET Q q 0 0 0 rg BT 481.93 434.40 Td (rust ) Tj ET Q q 0 0 0 rg BT 499.56 434.40 Td (I ) Tj ET Q q 0 0 0 rg BT 505.51 434.40 Td (were ) Tj ET Q q 0 0 0 rg BT 527.57 434.40 Td (assumed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 422.40 Td (by ) Tj ET Q q 0 0 0 rg BT 62.92 422.40 Td (the ) Tj ET Q q 0 0 0 rg BT 78.05 422.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 119.85 422.40 Td (upon ) Tj ET Q q 0 0 0 rg BT 142.76 422.40 Td (completion ) Tj ET Q q 0 0 0 rg BT 190.67 422.40 Td (of ) Tj ET Q q 0 0 0 rg BT 201.91 422.40 Td (the ) Tj ET Q q 0 0 0 rg BT 217.05 422.40 Td (acquisition. ) Tj ET Q q 0 0 0 rg BT 266.34 422.40 Td ( ) Tj ET Q q 0 0 0 rg BT 268.61 422.40 Td (As ) Tj ET Q q 0 0 0 rg BT 282.64 422.40 Td (a ) Tj ET Q q 0 0 0 rg BT 290.00 422.40 Td (result, ) Tj ET Q q 0 0 0 rg BT 317.63 422.40 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.98 422.40 Td ($1.9 ) Tj ET Q q 0 0 0 rg BT 345.40 422.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.29 422.40 Td ( ) Tj ET Q q 0 0 0 rg BT 377.20 422.40 Td (gain ) Tj ET Q q 0 0 0 rg BT 397.33 422.40 Td (on ) Tj ET Q q 0 0 0 rg BT 410.25 422.40 Td (early ) Tj ET Q q 0 0 0 rg BT 433.15 422.40 Td (extinguishment ) Tj ET Q q 0 0 0 rg BT 497.73 422.40 Td (of ) Tj ET Q q 0 0 0 rg BT 508.97 422.40 Td (this ) Tj ET Q q 0 0 0 rg BT 526.33 422.40 Td (debt ) Tj ET Q q 0 0 0 rg BT 546.47 422.40 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 410.40 Td (recognized ) Tj ET Q q 0 0 0 rg BT 96.36 410.40 Td (in ) Tj ET Q q 0 0 0 rg BT 106.64 410.40 Td (the ) Tj ET Q q 0 0 0 rg BT 121.36 410.40 Td (third ) Tj ET Q q 0 0 0 rg BT 142.74 410.40 Td (quarter ) Tj ET Q q 0 0 0 rg BT 173.56 410.40 Td (of ) Tj ET Q q 0 0 0 rg BT 184.39 410.40 Td (2014.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 386.40 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 374.40 Td (Note 13. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 374.40 Td ( Lease Commitments and Rental Expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 362.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 350.40 Td (The ) Tj ET Q q 0 0 0 rg BT 66.91 350.40 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.16 350.40 Td (leases ) Tj ET Q q 0 0 0 rg BT 132.39 350.40 Td (of) Tj ET Q q 0 0 0 rg BT 140.54 350.40 Td (fice ) Tj ET Q q 0 0 0 rg BT 156.89 350.40 Td (space ) Tj ET Q q 0 0 0 rg BT 180.46 350.40 Td (for ) Tj ET Q q 0 0 0 rg BT 193.48 350.40 Td (certain ) Tj ET Q q 0 0 0 rg BT 222.04 350.40 Td (branch ) Tj ET Q q 0 0 0 rg BT 250.61 350.40 Td (of) Tj ET Q q 0 0 0 rg BT 258.76 350.40 Td (fices. ) Tj ET Q q 0 0 0 rg BT 283.70 350.40 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 295.06 350.40 Td (December31, ) Tj ET Q q 0 0 0 rg BT 352.51 350.40 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.51 350.40 Td (, ) Tj ET Q q 0 0 0 rg BT 376.37 350.40 Td (the ) Tj ET Q q 0 0 0 rg BT 389.95 350.40 Td (future ) Tj ET Q q 0 0 0 rg BT 415.18 350.40 Td (minimum ) Tj ET Q q 0 0 0 rg BT 455.44 350.40 Td (annual ) Tj ET Q q 0 0 0 rg BT 483.45 350.40 Td (rental ) Tj ET Q q 0 0 0 rg BT 507.58 350.40 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 338.40 Td (for ) Tj ET Q q 0 0 0 rg BT 64.16 338.40 Td (these ) Tj ET Q q 0 0 0 rg BT 87.21 338.40 Td (noncancelable ) Tj ET Q q 0 0 0 rg BT 146.89 338.40 Td (leases ) Tj ET Q q 0 0 0 rg BT 173.27 338.40 Td (and ) Tj ET Q q 0 0 0 rg BT 190.21 338.40 Td (subleases ) Tj ET Q q 0 0 0 rg BT 230.48 338.40 Td (of ) Tj ET Q q 0 0 0 rg BT 241.31 338.40 Td (such ) Tj ET Q q 0 0 0 rg BT 262.14 338.40 Td (space ) Tj ET Q q 0 0 0 rg BT 286.85 338.40 Td (were ) Tj ET Q q 0 0 0 rg BT 308.77 338.40 Td (as ) Tj ET Q q 0 0 0 rg BT 319.60 338.40 Td (follows ) Tj ET Q q 0 0 0 rg BT 352.10 338.40 Td (\(in ) Tj ET Q q 0 0 0 rg BT 365.71 338.40 Td (thousands\): ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 326.40 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 291.90 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 291.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 291.90 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 291.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 291.90 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 463.50 291.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 467.50 291.90 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 263.90 215.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 265.50 263.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 269.50 263.90 95.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 263.90 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 263.90 95.00 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0 i [] 0 d 0 J 0 j 3 M 467.5 192.89999999999998 m 562.5 192.89999999999998 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 307.30 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.30 307.30 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 398.70 307.30 Td (Sublease) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 507.75 307.30 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 295.30 Td (Years ending December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 305.50 295.30 Td (Rents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 404.50 295.30 Td (Rents) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 503.50 295.30 Td (Rents) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 282.47 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.00 282.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 282.47 Td (11,972) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.00 282.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 282.47 Td (1,384) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.00 282.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 282.47 Td (10,588) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 268.47 Td (2018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 268.47 Td (10,472) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 268.47 Td (1,252) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 268.47 Td (9,220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 254.47 Td (2019) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 254.47 Td (9,487) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.65 254.47 Td (989) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 254.47 Td (8,498) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 240.47 Td (2020) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 240.47 Td (6,067) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.65 240.47 Td (420) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 240.47 Td (5,647) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 226.47 Td (2021) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.15 226.47 Td (5,003) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 444.65 226.47 Td (175) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 226.47 Td (4,828) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 212.47 Td (Thereafter) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 212.47 Td (22,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.65 212.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 212.47 Td (22,883) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 198.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.00 198.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 333.15 198.47 Td (65,884) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 371.00 198.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 437.15 198.47 Td (4,220) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 470.00 198.47 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 198.47 Td (61,664) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.40 Td (Under ) Tj ET Q q 0 0 0 rg BT 77.26 170.40 Td (the ) 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 134.40 Td (Net ) Tj ET Q q 0 0 0 rg BT 67.40 134.40 Td (rental ) Tj ET Q q 0 0 0 rg BT 93.13 134.40 Td (expense ) Tj ET Q q 0 0 0 rg BT 128.30 134.40 Td (for ) Tj ET Q q 0 0 0 rg BT 142.92 134.40 Td (the ) Tj ET Q q 0 0 0 rg BT 158.10 134.40 Td (years ) Tj ET Q q 0 0 0 rg BT 182.16 134.40 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.00 134.40 Td (December31, ) Tj ET Q q 0 0 0 rg BT 268.05 134.40 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.05 134.40 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.51 134.40 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 313.51 134.40 Td (, ) Tj ET Q q 0 0 0 rg BT 318.97 134.40 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 336.38 134.40 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.38 134.40 Td ( ) Tj ET Q q 0 0 0 rg BT 359.34 134.40 Td (amounted ) Tj ET Q q 0 0 0 rg BT 401.74 134.40 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.48 134.40 Td ($10.9 ) Tj ET Q q 0 0 0 rg BT 437.94 134.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.83 134.40 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.29 134.40 Td ($8.9 ) Tj ET Q q 0 0 0 rg BT 492.76 134.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.65 134.40 Td (, ) Tj ET Q q 0 0 0 rg BT 527.11 134.40 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 134.40 Td ($7.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 122.40 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 122.40 Td (, ) Tj ET Q q 0 0 0 rg BT 83.89 122.40 Td (respectively) Tj ET Q q 0 0 0 rg BT 131.55 122.40 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 110.40 Td () Tj ET Q endstream endobj 241 0 obj <> endobj 242 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (120) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 14. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Employee Benefit Plans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.48 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.29 718.25 Td (has ) Tj ET Q q 0 0 0 rg BT 126.55 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 133.92 718.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 166.83 718.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 218.64 718.25 Td (401\(k\)profit ) Tj ET Q q 0 0 0 rg BT 272.95 718.25 Td (sharing ) Tj ET Q q 0 0 0 rg BT 305.31 718.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 325.46 718.25 Td (that ) Tj ET Q q 0 0 0 rg BT 343.38 718.25 Td (covers ) Tj ET Q q 0 0 0 rg BT 372.41 718.25 Td (most ) Tj ET Q q 0 0 0 rg BT 394.79 718.25 Td (full-time ) Tj ET Q q 0 0 0 rg BT 432.71 718.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 478.40 718.25 Td (who ) Tj ET Q q 0 0 0 rg BT 498.55 718.25 Td (have ) Tj ET Q q 0 0 0 rg BT 520.36 718.25 Td (completed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 69.99 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 72.57 706.25 Td (months ) Tj ET Q q 0 0 0 rg BT 104.59 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 115.51 706.25 Td (service. ) Tj ET Q q 0 0 0 rg BT 151.40 706.25 Td (Each ) Tj ET Q q 0 0 0 rg BT 173.97 706.25 Td (participant ) Tj ET Q q 0 0 0 rg BT 219.31 706.25 Td (under ) Tj ET Q q 0 0 0 rg BT 244.66 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 259.45 706.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 279.25 706.25 Td (may ) Tj ET Q q 0 0 0 rg BT 299.05 706.25 Td (contribute ) Tj ET Q q 0 0 0 rg BT 342.17 706.25 Td (up ) Tj ET Q q 0 0 0 rg BT 354.75 706.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.11 706.25 Td (75%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 383.44 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 386.02 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 396.93 706.25 Td (his/her ) Tj ET Q q 0 0 0 rg BT 426.73 706.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 459.30 706.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 517.42 706.25 Td (on ) Tj ET Q q 0 0 0 rg BT 530.00 706.25 Td (a ) Tj ET Q q 0 0 0 rg BT 537.02 706.25 Td (pretax ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 78.17 694.25 Td (The ) Tj ET Q q 0 0 0 rg BT 97.13 694.25 Td (Company) Tj ET Q q 0 0 0 rg BT 138.80 694.25 Td (s ) Tj ET Q q 0 0 0 rg BT 146.10 694.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 202.29 694.25 Td (consist ) Tj ET Q q 0 0 0 rg BT 233.49 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 245.23 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 253.09 694.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 308.70 694.25 Td (profit-sharing ) Tj ET Q q 0 0 0 rg BT 367.10 694.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 419.40 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 437.26 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 445.11 694.25 Td (matching ) Tj ET Q q 0 0 0 rg BT 485.74 694.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 538.03 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 694.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.39 682.25 Td (contributed ) Tj ET Q q 0 0 0 rg BT 134.43 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 146.93 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.65 682.25 Td (participants. ) Tj ET Q q 0 0 0 rg BT 215.62 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 233.66 682.25 Td (board ) Tj ET Q q 0 0 0 rg BT 258.93 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 269.76 682.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 307.25 682.25 Td (determines ) Tj ET Q q 0 0 0 rg BT 353.62 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 368.33 682.25 Td (Company) Tj ET Q q 0 0 0 rg BT 410.00 682.25 Td (s ) Tj ET Q q 0 0 0 rg BT 416.39 682.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 471.67 682.25 Td (on ) Tj ET Q q 0 0 0 rg BT 484.17 682.25 Td (an ) Tj ET Q q 0 0 0 rg BT 496.10 682.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 525.26 682.25 Td (basis.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (During ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.41 658.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 102.41 658.25 Td (, ) Tj ET Q q 0 0 0 rg BT 108.99 658.25 Td (each ) Tj ET Q q 0 0 0 rg BT 131.38 658.25 Td (participant ) Tj ET Q q 0 0 0 rg BT 178.22 658.25 Td (was ) Tj ET Q q 0 0 0 rg BT 197.85 658.25 Td (eligible ) Tj ET Q q 0 0 0 rg BT 231.92 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 247.66 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 256.18 658.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 300.81 658.25 Td (total ) Tj ET Q q 0 0 0 rg BT 322.66 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 365.63 658.25 Td (matching ) Tj ET Q q 0 0 0 rg BT 406.92 658.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 459.88 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.29 658.25 Td (3.5%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.12 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 497.20 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 509.61 658.25 Td (their ) Tj ET Q q 0 0 0 rg BT 532.01 658.25 Td (eligible ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 113.07 646.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 162.97 646.25 Td (, ) Tj ET Q q 0 0 0 rg BT 168.71 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 184.17 646.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 226.30 646.25 Td (may ) Tj ET Q q 0 0 0 rg BT 246.76 646.25 Td (make ) Tj ET Q q 0 0 0 rg BT 271.65 646.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 301.55 646.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 356.99 646.25 Td (profit ) Tj ET Q q 0 0 0 rg BT 382.45 646.25 Td (sharing ) Tj ET Q q 0 0 0 rg BT 415.13 646.25 Td (contributions. ) Tj ET Q q 0 0 0 rg BT 473.64 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 476.65 646.25 Td (The ) Tj ET Q q 0 0 0 rg BT 495.44 646.25 Td (Company) Tj ET Q q 0 0 0 rg BT 537.10 646.25 Td (s ) Tj ET Q q 0 0 0 rg BT 544.24 646.25 Td (total ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 101.22 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 111.33 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 125.89 634.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 145.44 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 159.44 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 173.99 634.25 Td (year ) Tj ET Q q 0 0 0 rg BT 193.53 634.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.75 634.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 278.17 634.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.17 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 300.50 634.25 Td (was ) Tj ET Q q 0 0 0 rg BT 318.39 634.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 359.05 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 369.16 634.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 380.94 634.25 Td ($14.8 ) Tj ET Q q 0 0 0 rg BT 405.77 634.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 434.67 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 437.00 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 453.78 634.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.67 634.25 Td ($14.2 ) Tj ET Q q 0 0 0 rg BT 496.50 634.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 525.39 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 527.73 634.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.50 634.25 Td ($7.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 622.25 Td (for ) Tj ET Q q 0 0 0 rg BT 95.55 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.27 622.25 Td (years ) Tj ET Q q 0 0 0 rg BT 133.87 622.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 160.24 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 218.83 622.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 238.83 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 241.33 622.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.27 622.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 278.27 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 283.27 622.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 330.93 622.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.51 598.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.35 598.25 Td (has ) Tj ET Q q 0 0 0 rg BT 126.65 598.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 162.91 598.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 221.41 598.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 245.48 598.25 Td (that ) Tj ET Q q 0 0 0 rg BT 263.44 598.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 288.62 598.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 318.78 598.25 Td (executives, ) Tj ET Q q 0 0 0 rg BT 366.44 598.25 Td (senior ) Tj ET Q q 0 0 0 rg BT 393.84 598.25 Td (of) Tj ET Q q 0 0 0 rg BT 401.99 598.25 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 429.66 598.25 Td (directors ) Tj ET Q q 0 0 0 rg BT 467.60 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 485.00 598.25 Td (other ) Tj ET Q q 0 0 0 rg BT 508.51 598.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 554.23 598.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (defer ) Tj ET Q q 0 0 0 rg BT 72.32 586.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 108.53 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 118.64 586.25 Td (up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 130.43 586.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 153.76 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.54 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 165.65 586.25 Td (their ) Tj ET Q q 0 0 0 rg BT 185.75 586.25 Td (base ) Tj ET Q q 0 0 0 rg BT 205.30 586.25 Td (salary ) Tj ET Q q 0 0 0 rg BT 230.96 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.18 586.25 Td (bonus ) Tj ET Q q 0 0 0 rg BT 272.86 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 282.42 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 296.41 586.25 Td (case ) Tj ET Q q 0 0 0 rg BT 315.40 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 325.51 586.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 370.06 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 386.28 586.25 Td (board ) Tj ET Q q 0 0 0 rg BT 410.83 586.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 428.71 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 438.27 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 452.26 586.25 Td (case ) Tj ET Q q 0 0 0 rg BT 471.25 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.36 586.25 Td (directors. ) Tj ET Q q 0 0 0 rg BT 523.13 586.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 104.63 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 114.26 574.25 Td (these ) Tj ET Q q 0 0 0 rg BT 136.67 574.25 Td (plans, ) Tj ET Q q 0 0 0 rg BT 162.13 574.25 Td (which ) Tj ET Q q 0 0 0 rg BT 188.42 574.25 Td (include ) Tj ET Q q 0 0 0 rg BT 219.71 574.25 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 273.77 574.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 328.40 574.25 Td (and ) Tj ET Q q 0 0 0 rg BT 344.69 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 358.76 574.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 387.28 574.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 438.01 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 447.65 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 461.72 574.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 485.79 574.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 527.63 574.25 Td (Of) Tj ET Q q 0 0 0 rg BT 538.00 574.25 Td (ficer's ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (account ) Tj ET Q q 0 0 0 rg BT 84.94 562.25 Td (described ) Tj ET Q q 0 0 0 rg BT 127.11 562.25 Td (below) Tj ET Q q 0 0 0 rg BT 150.90 562.25 Td (, ) Tj ET Q q 0 0 0 rg BT 157.24 562.25 Td (were ) Tj ET Q q 0 0 0 rg BT 180.52 562.25 Td (estimated ) Tj ET Q q 0 0 0 rg BT 222.69 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 234.32 562.25 Td (be ) Tj ET Q q 0 0 0 rg BT 247.60 562.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.21 562.25 Td ($806 ) Tj ET Q q 0 0 0 rg BT 333.06 562.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 369.17 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 373.02 562.25 Td (for ) Tj ET Q q 0 0 0 rg BT 388.53 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.59 562.25 Td (year ) Tj ET Q q 0 0 0 rg BT 425.65 562.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.37 562.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 513.31 562.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.31 562.25 Td (.) Tj ET Q q 0 0 0 rg BT 538.13 562.25 Td (These ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (contributions ) Tj ET Q q 0 0 0 rg BT 105.50 550.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.65 550.25 Td ($839 ) Tj ET Q q 0 0 0 rg BT 150.38 550.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 186.49 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 189.21 550.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 206.38 550.25 Td ($512 ) Tj ET Q q 0 0 0 rg BT 229.11 550.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.21 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 267.94 550.25 Td (for ) Tj ET Q q 0 0 0 rg BT 282.33 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 297.27 550.25 Td (years ) Tj ET Q q 0 0 0 rg BT 321.09 550.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.70 550.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 406.51 550.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 426.51 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 429.23 550.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 446.40 550.25 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 466.40 550.25 Td (, ) Tj ET Q q 0 0 0 rg BT 471.62 550.25 Td (respectively) Tj ET Q q 0 0 0 rg BT 519.28 550.25 Td (. ) Tj ET Q q 0 0 0 rg BT 527.01 550.25 Td (Pursuant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 62.67 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 79.78 538.25 Td (employment ) Tj ET Q q 0 0 0 rg BT 134.66 538.25 Td (agreement ) Tj ET Q q 0 0 0 rg BT 181.19 538.25 Td (between ) Tj ET Q q 0 0 0 rg BT 219.39 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 236.50 538.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 280.28 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 299.61 538.25 Td (its ) Tj ET Q q 0 0 0 rg BT 313.95 538.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 341.05 538.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 385.93 538.25 Td (Of) Tj ET Q q 0 0 0 rg BT 396.30 538.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 414.21 538.25 Td (, ) Tj ET Q q 0 0 0 rg BT 421.60 538.25 Td (he ) Tj ET Q q 0 0 0 rg BT 435.93 538.25 Td (is ) Tj ET Q q 0 0 0 rg BT 447.49 538.25 Td (entitled ) Tj ET Q q 0 0 0 rg BT 482.37 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.04 538.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 528.79 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 543.69 538.25 Td (each ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (December31stwhile ) Tj ET Q q 0 0 0 rg BT 137.64 526.25 Td (he ) Tj ET Q q 0 0 0 rg BT 149.74 526.25 Td (is ) Tj ET Q q 0 0 0 rg BT 159.08 526.25 Td (employed ) Tj ET Q q 0 0 0 rg BT 201.18 526.25 Td (by ) Tj ET Q q 0 0 0 rg BT 213.85 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 228.73 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 270.29 526.25 Td (\(starting ) Tj ET Q q 0 0 0 rg BT 306.28 526.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 365.03 526.25 Td (2007\) ) Tj ET Q q 0 0 0 rg BT 391.03 526.25 Td (a ) Tj ET Q q 0 0 0 rg BT 398.14 526.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 419.69 526.25 Td (vested ) Tj ET Q q 0 0 0 rg BT 447.90 526.25 Td (employer ) Tj ET Q q 0 0 0 rg BT 488.34 526.25 Td (contribution ) Tj ET Q q 0 0 0 rg BT 539.89 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 550.33 526.25 Td (his ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (account ) Tj ET Q q 0 0 0 rg BT 83.59 514.25 Td (under ) Tj ET Q q 0 0 0 rg BT 108.86 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 123.58 514.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 170.66 514.25 Td (non-stock ) Tj ET Q q 0 0 0 rg BT 212.60 514.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 248.40 514.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 306.45 514.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 326.16 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 336.44 514.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 368.94 514.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 393.09 514.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 403.37 514.25 Td (20%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 421.70 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 424.20 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 435.03 514.25 Td (his ) Tj ET Q q 0 0 0 rg BT 449.20 514.25 Td (base ) Tj ET Q q 0 0 0 rg BT 469.47 514.25 Td (salary ) Tj ET Q q 0 0 0 rg BT 495.84 514.25 Td (then ) Tj ET Q q 0 0 0 rg BT 515.56 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 525.84 514.25 Td (ef) Tj ET Q q 0 0 0 rg BT 533.43 514.25 Td (fect. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.52 490.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 103.38 490.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 138.65 490.25 Td (can ) Tj ET Q q 0 0 0 rg BT 154.50 490.25 Td (be ) Tj ET Q q 0 0 0 rg BT 165.91 490.25 Td (invested ) Tj ET Q q 0 0 0 rg BT 201.21 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 210.96 490.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 228.49 490.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 267.68 490.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 290.76 490.25 Td (\(under ) Tj ET Q q 0 0 0 rg BT 318.83 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 333.02 490.25 Td (Company) Tj ET Q q 0 0 0 rg BT 374.68 490.25 Td (s ) Tj ET Q q 0 0 0 rg BT 380.54 490.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 403.62 490.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 438.90 490.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 496.42 490.25 Td (plan\) ) Tj ET Q q 0 0 0 rg BT 518.93 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 529.24 490.25 Td (publicly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (traded ) Tj ET Q q 0 0 0 rg BT 77.67 478.25 Td (mutual ) Tj ET Q q 0 0 0 rg BT 108.13 478.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 133.04 478.25 Td (\(under ) Tj ET Q q 0 0 0 rg BT 161.83 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 176.74 478.25 Td (Company) Tj ET Q q 0 0 0 rg BT 218.40 478.25 Td (s ) Tj ET Q q 0 0 0 rg BT 224.98 478.25 Td (non-stock ) Tj ET Q q 0 0 0 rg BT 267.11 478.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 303.10 478.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 361.33 478.25 Td (plan\) ) Tj ET Q q 0 0 0 rg BT 384.57 478.25 Td (at ) Tj ET Q q 0 0 0 rg BT 394.47 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 409.38 478.25 Td (discretion ) Tj ET Q q 0 0 0 rg BT 451.50 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 462.51 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 477.42 478.25 Td (participant. ) Tj ET Q q 0 0 0 rg BT 527.67 478.25 Td (The ) Tj ET Q q 0 0 0 rg BT 545.91 478.25 Td (cost ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.20 466.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.28 466.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 91.71 466.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 130.79 466.25 Td (common ) Tj ET Q q 0 0 0 rg BT 167.65 466.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 190.62 466.25 Td (held ) Tj ET Q q 0 0 0 rg BT 209.71 466.25 Td (by ) Tj ET Q q 0 0 0 rg BT 221.57 466.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 239.00 466.25 Td (Financial) Tj ET Q q 0 0 0 rg BT 278.99 466.25 Td (s ) Tj ET Q q 0 0 0 rg BT 284.75 466.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 319.92 466.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 377.33 466.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 400.31 466.25 Td (is ) Tj ET Q q 0 0 0 rg BT 408.84 466.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 444.03 466.25 Td (separately ) Tj ET Q q 0 0 0 rg BT 486.42 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 496.07 466.25 Td (a ) Tj ET Q q 0 0 0 rg BT 502.38 466.25 Td (manner ) Tj ET Q q 0 0 0 rg BT 534.23 466.25 Td (similar ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 59.55 454.25 Td (treasury ) Tj ET Q q 0 0 0 rg BT 93.53 454.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 116.42 454.25 Td (\(that ) Tj ET Q q 0 0 0 rg BT 136.51 454.25 Td (is, ) Tj ET Q q 0 0 0 rg BT 147.46 454.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 181.44 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 190.99 454.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 206.64 454.25 Td (value ) Tj ET Q q 0 0 0 rg BT 230.07 454.25 Td (are ) Tj ET Q q 0 0 0 rg BT 244.05 454.25 Td (not ) Tj ET Q q 0 0 0 rg BT 258.60 454.25 Td (recognized\) ) Tj ET Q q 0 0 0 rg BT 307.57 454.25 Td (with ) Tj ET Q q 0 0 0 rg BT 327.12 454.25 Td (a ) Tj ET Q q 0 0 0 rg BT 333.34 454.25 Td (corresponding ) Tj ET Q q 0 0 0 rg BT 392.32 454.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 427.40 454.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 484.71 454.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 527.04 454.25 Td (reflected ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.08 442.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 102.38 442.25 Td (paid-in ) Tj ET Q q 0 0 0 rg BT 133.01 442.25 Td (capital. ) Tj ET Q q 0 0 0 rg BT 166.80 442.25 Td (The ) Tj ET Q q 0 0 0 rg BT 184.65 442.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 220.85 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.48 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 246.01 442.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 271.64 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 288.94 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 303.46 442.25 Td (not ) Tj ET Q q 0 0 0 rg BT 318.54 442.25 Td (invested ) Tj ET Q q 0 0 0 rg BT 354.17 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 364.26 442.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 382.13 442.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 421.64 442.25 Td (common ) Tj ET Q q 0 0 0 rg BT 458.94 442.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 482.36 442.25 Td (are ) Tj ET Q q 0 0 0 rg BT 496.87 442.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 534.15 442.25 Td (at ) Tj ET Q q 0 0 0 rg BT 543.68 442.25 Td (their ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.34 430.25 Td (market ) Tj ET Q q 0 0 0 rg BT 96.56 430.25 Td (value ) Tj ET Q q 0 0 0 rg BT 120.68 430.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.91 430.25 Td (other ) Tj ET Q q 0 0 0 rg BT 153.92 430.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 179.71 430.25 Td (on ) Tj ET Q q 0 0 0 rg BT 192.17 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 206.85 430.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 259.85 430.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 292.84 430.25 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 320.31 430.25 Td (As ) Tj ET Q q 0 0 0 rg BT 333.88 430.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 344.67 430.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 403.21 430.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 423.21 430.25 Td (, ) Tj ET Q q 0 0 0 rg BT 428.17 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 442.85 430.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 459.19 430.25 Td (value ) Tj ET Q q 0 0 0 rg BT 483.30 430.25 Td (of ) Tj ET Q q 0 0 0 rg BT 494.09 430.25 Td (the ) Tj ET Q q 0 0 0 rg BT 508.77 430.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 534.56 430.25 Td (held ) Tj ET Q q 0 0 0 rg BT 554.24 430.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (other ) Tj ET Q q 0 0 0 rg BT 72.92 418.25 Td (publicly ) Tj ET Q q 0 0 0 rg BT 108.06 418.25 Td (traded ) Tj ET Q q 0 0 0 rg BT 135.41 418.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 160.00 418.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.58 418.25 Td ($18.7 ) Tj ET Q q 0 0 0 rg BT 214.45 418.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 243.34 418.25 Td (. ) Tj ET Q q 0 0 0 rg BT 250.19 418.25 Td (A) Tj ET Q q 0 0 0 rg BT 256.86 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 259.22 418.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 292.70 418.25 Td (is ) Tj ET Q q 0 0 0 rg BT 301.74 418.25 Td (established, ) Tj ET Q q 0 0 0 rg BT 351.04 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 361.19 418.25 Td (other ) Tj ET Q q 0 0 0 rg BT 384.10 418.25 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 426.19 418.25 Td (on ) Tj ET Q q 0 0 0 rg BT 438.55 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.14 418.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 506.05 418.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 538.95 418.25 Td (sheet, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.00 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.56 406.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 94.78 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 118.77 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.45 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.00 406.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 186.90 406.25 Td (to ) Tj ET Q q 0 0 0 rg BT 197.02 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 211.57 406.25 Td (participants. ) Tj ET Q q 0 0 0 rg BT 265.05 406.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 284.61 406.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 319.71 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 330.38 406.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 367.13 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 377.25 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 391.81 406.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 408.03 406.25 Td (market ) Tj ET Q q 0 0 0 rg BT 438.14 406.25 Td (value ) Tj ET Q q 0 0 0 rg BT 462.13 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 472.80 406.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 492.36 406.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 518.03 406.25 Td (is ) Tj ET Q q 0 0 0 rg BT 527.04 406.25 Td (recorded ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 59.72 394.25 Td (other ) Tj ET Q q 0 0 0 rg BT 82.20 394.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 131.90 394.25 Td (income ) Tj ET Q q 0 0 0 rg BT 163.27 394.25 Td (on ) Tj ET Q q 0 0 0 rg BT 175.21 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.36 394.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 241.84 394.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 282.10 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 292.37 394.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 340.53 394.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 359.69 394.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 394.38 394.25 Td (or ) Tj ET Q q 0 0 0 rg BT 404.65 394.25 Td (decrease ) Tj ET Q q 0 0 0 rg BT 441.00 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 450.72 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.87 394.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 480.69 394.25 Td (value ) Tj ET Q q 0 0 0 rg BT 504.28 394.25 Td (of ) Tj ET Q q 0 0 0 rg BT 514.55 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.70 394.25 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.02 382.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 151.05 382.25 Td (to ) Tj ET Q q 0 0 0 rg BT 161.30 382.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 210.43 382.25 Td (is ) Tj ET Q q 0 0 0 rg BT 219.58 382.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 257.03 382.25 Td (as ) Tj ET Q q 0 0 0 rg BT 267.84 382.25 Td (additional ) Tj ET Q q 0 0 0 rg BT 310.30 382.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 368.32 382.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 403.01 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 413.81 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 420.73 382.25 Td (reduction ) Tj ET Q q 0 0 0 rg BT 460.97 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.78 382.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 529.80 382.25 Td (expense ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (on ) Tj ET Q q 0 0 0 rg BT 61.67 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.56 370.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 127.77 370.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 167.76 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 177.77 370.25 Td (operations. ) Tj ET Q q 0 0 0 rg BT 225.97 370.25 Td (The ) Tj ET Q q 0 0 0 rg BT 243.19 370.25 Td (increase ) Tj ET Q q 0 0 0 rg BT 277.62 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 287.06 370.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 302.61 370.25 Td (market ) Tj ET Q q 0 0 0 rg BT 332.05 370.25 Td (value ) Tj ET Q q 0 0 0 rg BT 355.38 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 365.38 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.26 370.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 404.27 370.25 Td (and ) Tj ET Q q 0 0 0 rg BT 420.38 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 434.26 370.25 Td (obligation ) Tj ET Q q 0 0 0 rg BT 476.49 370.25 Td (related ) Tj ET Q q 0 0 0 rg BT 505.36 370.25 Td (to ) Tj ET Q q 0 0 0 rg BT 514.81 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 528.70 370.25 Td (deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 108.04 358.25 Td (plan ) Tj ET Q q 0 0 0 rg BT 127.76 358.25 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.81 358.25 Td ($1.3 ) Tj ET Q q 0 0 0 rg BT 165.81 358.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 194.70 358.25 Td ( ) Tj ET Q q 0 0 0 rg BT 197.20 358.25 Td (for ) Tj ET Q q 0 0 0 rg BT 211.36 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 226.08 358.25 Td (year ) Tj ET Q q 0 0 0 rg BT 245.79 358.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.16 358.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 330.75 358.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 350.75 358.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td () Tj ET Q endstream endobj 243 0 obj <> endobj 244 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (121) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 15. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Income ) Tj ET Q q 0 0 0 rg BT 158.48 742.25 Td (T) Tj ET Q q 0 0 0 rg BT 164.23 742.25 Td (axes) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The deferred taxes consist of \(in thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 683.75 376.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 683.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 683.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 683.75 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 683.75 64.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 656.75 376.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 656.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 656.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 656.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 656.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 628.75 376.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 628.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 628.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 628.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 628.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 600.75 376.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 426.50 600.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 430.50 600.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 600.75 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0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 683.75 m 562.5 683.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 544.75 m 494.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 544.75 m 562.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 544.75 m 494.5 544.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 516.75 m 494.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 516.75 m 562.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 516.75 m 494.5 516.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 377.75 m 494.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 377.75 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 430.5 377.75 m 494.5 377.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 363.75 m 494.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 377.75 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 498.5 363.75 m 562.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 363.75 m 494.5 363.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 335.75 m 494.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 335.75 m 562.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 335.75 m 494.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 322.75 m 494.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 430.5 320.75 m 494.5 320.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 335.75 m 562.5 335.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 322.75 m 562.5 322.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 320.75 m 562.5 320.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 698.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 472.75 699.83 Td (December31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 686.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 454.00 687.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.00 687.83 Td (2015) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 674.48 Td (Deferred tax asset:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 673.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 673.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 661.32 Td (Allowance for credit losses) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 661.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 661.32 Td (55,525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 661.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 661.32 Td (51,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 647.32 Td (State net operating loss carryforwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 647.32 Td (20,570) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 647.32 Td (22,624) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 633.32 Td (Other real estate owned) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 633.32 Td (9,845) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 633.32 Td (11,165) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 619.32 Td (Stock options and restricted stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 619.32 Td (9,675) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 619.32 Td (7,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 605.32 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 605.32 Td (36,770) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 605.32 Td (36,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 591.32 Td (Deferred compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 591.32 Td (8,556) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 591.32 Td (8,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 577.32 Td (Tax credit carryforwards) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 577.32 Td (32,262) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 577.32 Td (27,904) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 563.32 Td (Bonus accrual) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.15 563.32 Td (4,877) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 563.32 Td (3,827) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 549.32 Td (Other items) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 549.32 Td (666) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 549.32 Td (1,008) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 535.32 Td (Total deferred tax asset) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 535.32 Td (178,746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 535.32 Td (170,037) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 521.32 Td (Valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 521.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 521.32 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 507.32 Td (Total deferred tax asset, net of valuation allowance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 507.32 Td (178,746) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 507.32 Td (170,037) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 493.48 Td (Deferred tax liability:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 492.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 492.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 480.32 Td (Equipment leasing) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 480.37 Td (\(152,282) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 480.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 480.37 Td (\(132,159) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 480.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 466.32 Td (Premises and equipment) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 466.37 Td (\(25,015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 466.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 466.37 Td (\(21,371) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 466.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 452.32 Td (Mortgage servicing rights) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 452.37 Td (\(76,468) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 452.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 452.37 Td (\(59,369) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 452.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 438.32 Td (Deferred income from FDIC-assisted transactions) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 438.37 Td (\(46,443) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 438.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 438.37 Td (\(43,102) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 438.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 424.32 Td (Investment securities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 424.37 Td (\(7,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 424.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 424.37 Td (\(2,317) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 424.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 410.32 Td (FHLB stock 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368.32 Td (Total deferred tax liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 368.37 Td (\(327,108) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 368.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 368.37 Td (\(272,482) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 368.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 354.32 Td (Net deferred tax liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 354.37 Td (\(148,362) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 354.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 354.37 Td (\(102,445) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 354.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 340.32 Td (Net unrealized holding gain on investment securities available for sale) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 340.37 Td (\(3,296) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 340.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 340.37 Td (\(10,137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 340.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 71.00 326.32 Td (Net deferred tax liability) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 326.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.80 326.37 Td (\(151,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 326.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 326.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 326.37 Td (\(112,582) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 326.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td () 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 67.59 298.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.26 298.25 Td (s ) Tj ET Q q 0 0 0 rg BT 115.20 298.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 145.58 298.25 Td (net ) Tj ET Q q 0 0 0 rg BT 159.84 298.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 199.66 298.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 217.26 298.25 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 275.39 298.25 Td (totaled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 304.65 298.25 Td ($404.3 ) Tj ET Q q 0 0 0 rg BT 334.20 298.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.09 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 365.14 298.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.40 298.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 432.53 298.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.53 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 454.58 298.25 Td (and ) Tj ET Q q 0 0 0 rg BT 471.07 298.25 Td (begin ) Tj ET Q q 0 0 0 rg BT 495.33 298.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.16 298.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 532.19 298.25 Td (in ) Tj ET Q q 0 0 0 rg BT 542.01 298.25 Td (2022 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (through ) Tj ET Q q 0 0 0 rg BT 85.38 286.25 Td (2029.In ) Tj ET Q q 0 0 0 rg BT 125.48 286.25 Td (Januaryof ) Tj ET Q q 0 0 0 rg BT 171.67 286.25 Td (201) Tj ET Q q 0 0 0 rg BT 186.30 286.25 Td (1, ) Tj ET Q q 0 0 0 rg BT 198.07 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.56 286.25 Td (State ) Tj ET Q q 0 0 0 rg BT 238.82 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 251.42 286.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 284.02 286.25 Td (enacted ) Tj ET Q q 0 0 0 rg BT 318.82 286.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 364.75 286.25 Td (suspending ) Tj ET Q q 0 0 0 rg BT 414.02 286.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.50 286.25 Td (utilization ) Tj ET Q q 0 0 0 rg BT 475.32 286.25 Td (of ) Tj ET Q q 0 0 0 rg BT 487.92 286.25 Td (net ) Tj ET Q q 0 0 0 rg BT 504.40 286.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 546.44 286.25 Td (loss ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (carryforwards. ) Tj ET Q q 0 0 0 rg BT 111.19 274.25 Td ( ) Tj ET Q q 0 0 0 rg BT 113.79 274.25 Td (For ) Tj ET Q q 0 0 0 rg BT 130.29 274.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 161.23 274.25 Td (purposes, ) Tj ET Q q 0 0 0 rg BT 201.89 274.25 Td (no ) Tj ET Q q 0 0 0 rg BT 214.50 274.25 Td (carryover ) Tj ET Q q 0 0 0 rg BT 255.41 274.25 Td (deduction ) Tj ET Q q 0 0 0 rg BT 297.45 274.25 Td (was ) Tj ET Q q 0 0 0 rg BT 315.61 274.25 Td (allowed ) Tj ET Q q 0 0 0 rg BT 349.87 274.25 Td (for ) Tj ET Q q 0 0 0 rg BT 364.13 274.25 Td (any ) Tj ET Q q 0 0 0 rg BT 381.18 274.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 412.66 274.25 Td (year ) Tj ET Q q 0 0 0 rg BT 432.47 274.25 Td (ending ) Tj ET Q q 0 0 0 rg BT 462.29 274.25 Td (after ) Tj ET Q q 0 0 0 rg BT 483.22 274.25 Td (December ) Tj ET Q q 0 0 0 rg BT 526.91 274.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 542.01 274.25 Td (2010 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.87 262.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 90.74 262.25 Td (to ) Tj ET Q q 0 0 0 rg BT 101.94 262.25 Td (December ) Tj ET Q q 0 0 0 rg BT 146.46 262.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 162.39 262.25 Td (2012, ) Tj ET Q q 0 0 0 rg BT 188.31 262.25 Td (and ) Tj ET Q q 0 0 0 rg BT 206.18 262.25 Td (no ) Tj ET Q q 0 0 0 rg BT 219.61 262.25 Td (carryover ) Tj ET Q q 0 0 0 rg BT 261.35 262.25 Td (deduction ) Tj ET Q q 0 0 0 rg BT 304.21 262.25 Td (could ) Tj ET Q q 0 0 0 rg BT 329.85 262.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 361.04 262.25 Td ($100,000 ) Tj ET Q q 0 0 0 rg BT 401.97 262.25 Td (for ) Tj ET Q q 0 0 0 rg BT 417.06 262.25 Td (any ) Tj ET Q q 0 0 0 rg BT 434.92 262.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 467.23 262.25 Td (year ) Tj ET Q q 0 0 0 rg BT 487.86 262.25 Td (ending ) Tj ET Q q 0 0 0 rg BT 518.51 262.25 Td (on ) Tj ET Q q 0 0 0 rg BT 531.94 262.25 Td (or ) Tj ET Q q 0 0 0 rg BT 543.70 262.25 Td (after ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (December ) Tj ET Q q 0 0 0 rg BT 92.74 250.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 106.90 250.25 Td (2012 ) Tj ET Q q 0 0 0 rg BT 128.55 250.25 Td (and ) Tj ET Q q 0 0 0 rg BT 144.65 250.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 165.74 250.25 Td (to ) Tj ET Q q 0 0 0 rg BT 175.18 250.25 Td (December ) Tj ET Q q 0 0 0 rg BT 217.92 250.25 Td (31, ) Tj ET Q q 0 0 0 rg BT 232.08 250.25 Td (2014. ) Tj ET Q q 0 0 0 rg BT 256.23 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 257.89 250.25 Td (Further) Tj ET Q q 0 0 0 rg BT 286.93 250.25 Td (, ) Tj ET Q q 0 0 0 rg BT 291.09 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 304.96 250.25 Td (legislation ) Tj ET Q q 0 0 0 rg BT 348.28 250.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 386.03 250.25 Td (the ) Tj ET Q q 0 0 0 rg BT 399.90 250.25 Td (carryover ) Tj ET Q q 0 0 0 rg BT 439.86 250.25 Td (period ) Tj ET Q q 0 0 0 rg BT 467.07 250.25 Td (for ) Tj ET Q q 0 0 0 rg BT 480.38 250.25 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 510.37 250.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.25 250.25 Td (operating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 77.84 238.25 Td (by ) Tj ET Q q 0 0 0 rg BT 91.79 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 107.95 238.25 Td (number ) Tj ET Q q 0 0 0 rg BT 142.45 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 154.73 238.25 Td (taxable ) Tj ET Q q 0 0 0 rg BT 187.55 238.25 Td (years ) Tj ET Q q 0 0 0 rg BT 212.60 238.25 Td (in ) Tj ET Q q 0 0 0 rg BT 224.32 238.25 Td (which ) Tj ET Q q 0 0 0 rg BT 252.71 238.25 Td (carryover ) Tj ET Q q 0 0 0 rg BT 294.97 238.25 Td (deductions ) Tj ET Q q 0 0 0 rg BT 342.24 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 358.40 238.25 Td (disallowed ) Tj ET Q q 0 0 0 rg BT 405.67 238.25 Td (or ) Tj ET Q q 0 0 0 rg BT 417.95 238.25 Td (limited. ) Tj ET Q q 0 0 0 rg BT 452.73 238.25 Td () Tj ET Q q 0 0 0 rg BT 455.05 238.25 Td (The ) Tj ET Q q 0 0 0 rg BT 474.54 238.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 523.07 238.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 539.24 238.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 108.07 226.25 Td (include ) Tj ET Q q 0 0 0 rg BT 139.50 226.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 169.25 226.25 Td (alternative ) Tj ET Q q 0 0 0 rg BT 213.44 226.25 Td (minimum ) Tj ET Q q 0 0 0 rg BT 254.33 226.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 268.54 226.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 297.19 226.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.51 226.25 Td ($26.7 ) Tj ET Q q 0 0 0 rg BT 332.01 226.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.90 226.25 Td ( ) Tj ET Q q 0 0 0 rg BT 362.90 226.25 Td (with ) Tj ET Q q 0 0 0 rg BT 382.67 226.25 Td (an ) Tj ET Q q 0 0 0 rg BT 394.10 226.25 Td (indefinite ) Tj ET Q q 0 0 0 rg BT 434.42 226.25 Td (carryforward ) Tj ET Q q 0 0 0 rg BT 488.60 226.25 Td (period ) Tj ET Q q 0 0 0 rg BT 516.14 226.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.57 226.25 Td (general ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (business ) Tj ET Q q 0 0 0 rg BT 86.28 214.25 Td (credits ) Tj ET Q q 0 0 0 rg BT 115.33 214.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 126.05 214.25 Td ($5.4 ) Tj ET Q q 0 0 0 rg BT 145.94 214.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 174.83 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 177.23 214.25 Td (with ) Tj ET Q q 0 0 0 rg BT 197.40 214.25 Td (expiration ) Tj ET Q q 0 0 0 rg BT 240.33 214.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 263.27 214.25 Td (occurring ) Tj ET Q q 0 0 0 rg BT 303.98 214.25 Td (in ) Tj ET Q q 0 0 0 rg BT 314.15 214.25 Td (2028 ) Tj ET Q q 0 0 0 rg BT 336.54 214.25 Td (through ) Tj ET Q q 0 0 0 rg BT 370.04 214.25 Td (2036. ) Tj ET Q q 0 0 0 rg BT 394.93 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 397.32 214.25 Td (Management ) Tj ET Q q 0 0 0 rg BT 451.91 214.25 Td (has ) Tj ET Q q 0 0 0 rg BT 467.64 214.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 515.01 214.25 Td (that ) Tj ET Q q 0 0 0 rg BT 532.39 214.25 Td (is ) Tj ET Q q 0 0 0 rg BT 541.46 214.25 Td (more ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 74.51 202.25 Td (than ) Tj ET Q q 0 0 0 rg BT 93.46 202.25 Td (not ) Tj ET Q q 0 0 0 rg BT 107.97 202.25 Td (that ) Tj ET Q q 0 0 0 rg BT 124.70 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 138.65 202.25 Td (deferred ) Tj ET Q q 0 0 0 rg BT 173.70 202.25 Td (tax ) Tj ET Q q 0 0 0 rg BT 187.65 202.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 215.21 202.25 Td (including ) Tj ET Q q 0 0 0 rg BT 254.72 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 268.67 202.25 Td (net ) Tj ET Q q 0 0 0 rg BT 282.62 202.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 322.12 202.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 339.42 202.25 Td (carryforwards, ) Tj ET Q q 0 0 0 rg BT 399.73 202.25 Td (as ) Tj ET Q q 0 0 0 rg BT 409.80 202.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.86 202.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 477.68 202.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.68 202.25 Td (, ) Tj ET Q q 0 0 0 rg BT 501.92 202.25 Td (will ) Tj ET Q q 0 0 0 rg BT 519.21 202.25 Td (be ) Tj ET Q q 0 0 0 rg BT 530.38 202.25 Td (realized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.55 190.25 Td (that ) Tj ET Q q 0 0 0 rg BT 85.65 190.25 Td (no ) Tj ET Q q 0 0 0 rg BT 98.76 190.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 139.08 190.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 182.72 190.25 Td (is ) Tj ET Q q 0 0 0 rg BT 192.50 190.25 Td (required. ) Tj ET Q q 0 0 0 rg BT 231.42 190.25 Td ( ) Tj ET Q q 0 0 0 rg BT 234.30 190.25 Td (The ) Tj ET Q q 0 0 0 rg BT 252.96 190.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 294.95 190.25 Td (also ) Tj ET Q q 0 0 0 rg BT 314.17 190.25 Td (had ) Tj ET Q q 0 0 0 rg BT 331.71 190.25 Td (other ) Tj ET Q q 0 0 0 rg BT 355.37 190.25 Td (state ) Tj ET Q q 0 0 0 rg BT 376.80 190.25 Td (net ) Tj ET Q q 0 0 0 rg BT 392.13 190.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 433.00 190.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 451.67 190.25 Td (carryforwards ) Tj ET Q q 0 0 0 rg BT 510.85 190.25 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.51 190.25 Td ($3.4 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 178.25 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 178.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 91.11 178.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 149.69 178.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.69 178.25 Td (, ) Tj ET Q q 0 0 0 rg BT 174.69 178.25 Td (the ) Tj ET Q q 0 0 0 rg BT 189.41 178.25 Td (majority ) Tj ET Q q 0 0 0 rg BT 225.79 178.25 Td (of ) Tj ET Q q 0 0 0 rg BT 236.62 178.25 Td (which ) Tj ET Q q 0 0 0 rg BT 263.56 178.25 Td (do ) Tj ET Q q 0 0 0 rg BT 276.06 178.25 Td (not ) Tj ET Q q 0 0 0 rg BT 291.34 178.25 Td (begin ) Tj ET Q q 0 0 0 rg BT 316.05 178.25 Td (to ) Tj ET Q q 0 0 0 rg BT 326.33 178.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 353.82 178.25 Td (until ) Tj ET Q q 0 0 0 rg BT 374.65 178.25 Td (after ) Tj ET Q q 0 0 0 rg BT 395.47 178.25 Td (2021.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 154.25 Td () Tj ET Q endstream endobj 245 0 obj <> endobj 246 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (122) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Income taxes attributable to continuing operations consist of \(in thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 707.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 707.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 707.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 707.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 707.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 707.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 707.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 679.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 679.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 679.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 679.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 679.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 679.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 679.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 651.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 651.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 651.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 651.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 651.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 623.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 623.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 623.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 623.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 595.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 595.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 595.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 595.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 595.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 567.60 305.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 567.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 567.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 567.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 567.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 567.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 567.60 65.00 -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 359.5 719.6 m 424.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 719.6 m 428.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 719.6 m 493.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 719.6 m 497.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 719.6 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 359.5 719.6 m 424.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 707.6 m 424.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 719.6 m 493.5 719.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 707.6 m 493.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 719.6 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 497.5 707.6 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 359.5 651.6 m 424.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 651.6 m 493.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 651.6 m 562.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 651.6 m 424.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 651.6 m 493.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 581.6 m 424.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 581.6 m 493.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 581.6 m 562.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 581.6 m 493.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 567.6 m 493.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 581.6 m 562.5 581.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 567.6 m 562.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 567.6 m 424.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 554.6 m 424.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 552.6 m 424.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 567.6 m 493.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 554.6 m 493.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 552.6 m 493.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 567.6 m 562.5 567.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 554.6 m 562.5 554.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 552.6 m 562.5 552.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 722.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 414.55 723.68 Td (YearsEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 710.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 383.50 711.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 711.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 711.68 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 698.17 Td (Current expense \(benefit\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 421.00 696.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 490.00 696.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 696.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 684.17 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 684.17 Td (26,081) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 684.17 Td (30,283) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 684.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 684.17 Td (25,270) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 670.17 Td (State) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 670.17 Td (7,204) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 670.17 Td (3,355) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 670.17 Td (11,971) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 656.17 Td (Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 656.17 Td (42) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 656.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 656.17 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 640.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 642.17 Td (33,327) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 642.17 Td (33,638) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 642.17 Td (37,241) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 628.17 Td (Deferred expense \(benefit\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 614.17 Td (Federal) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 614.17 Td (37,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 614.17 Td (28,765) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 614.17 Td (3,122) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 600.17 Td (State) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 600.17 Td (8,227) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 600.17 Td (10,808) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 600.22 Td (\(3,170) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 600.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 586.17 Td (Foreign) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 410.65 586.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.65 586.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 586.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 572.17 Td (45,917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 572.17 Td (39,573) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 572.22 Td (\(48) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 572.17 Td (\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 556.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.00 558.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 558.17 Td (79,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 558.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 558.17 Td (73,211) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 558.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 558.17 Td (37,193) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 542.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 530.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.68 530.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 126.80 530.10 Td (between ) Tj ET Q q 0 0 0 rg BT 163.25 530.10 Td (the ) Tj ET Q q 0 0 0 rg BT 178.60 530.10 Td (statutory ) Tj ET Q q 0 0 0 rg BT 216.74 530.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 247.63 530.10 Td (income ) Tj ET Q q 0 0 0 rg BT 280.20 530.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 295.55 530.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 313.67 530.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.14 530.10 Td (35%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.47 530.10 Td ( ) Tj ET Q q 0 0 0 rg BT 346.61 530.10 Td (and ) Tj ET Q q 0 0 0 rg BT 364.18 530.10 Td (the ) Tj ET Q q 0 0 0 rg BT 379.54 530.10 Td (ef) Tj ET Q q 0 0 0 rg BT 387.13 530.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 417.47 530.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 432.82 530.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 450.94 530.10 Td (on ) Tj ET Q q 0 0 0 rg BT 464.08 530.10 Td (income ) Tj ET Q q 0 0 0 rg BT 496.65 530.10 Td (from ) Tj ET Q q 0 0 0 rg BT 519.23 530.10 Td (continuing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.10 Td (operations ) Tj ET Q q 0 0 0 rg BT 94.16 518.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 126.66 518.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 140.26 518.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 483.60 306.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 483.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 483.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 483.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 483.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 455.60 306.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 455.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 455.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 455.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 455.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 455.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 455.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 427.60 306.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 427.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 427.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 427.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 427.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 427.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 427.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 399.60 306.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 399.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 399.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 399.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 399.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 399.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 399.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 371.60 306.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 356.50 371.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 360.50 371.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 424.50 371.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 428.50 371.60 65.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 371.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 371.60 65.00 -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 360.5 495.6 m 424.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 424.5 495.6 m 428.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 495.6 m 493.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 493.5 495.6 m 497.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 495.6 m 562.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 495.6 m 424.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 483.6 m 424.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 495.6 m 493.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 483.6 m 493.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 495.6 m 562.5 495.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 483.6 m 562.5 483.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 357.6 m 424.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 357.6 m 493.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 357.6 m 562.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 357.6 m 424.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 344.6 m 424.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 360.5 342.6 m 424.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 357.6 m 493.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 344.6 m 493.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 428.5 342.6 m 493.5 342.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 357.6 m 562.5 357.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 344.6 m 562.5 344.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 342.6 m 562.5 342.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 498.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.05 499.68 Td (YearsEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 486.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 384.00 487.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 452.50 487.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 521.50 487.68 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 474.17 Td (Federal income tax expense at expected statutory rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.00 474.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 474.17 Td (88,683) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 474.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 474.17 Td (81,256) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 474.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 474.17 Td (43,153) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.17 Td (Increase \(decrease\) due to:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 421.00 458.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 490.00 458.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 458.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 446.17 Td (Tax exempt income, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 389.80 446.22 Td (\(18,214) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 446.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.80 446.22 Td (\(16,909) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 446.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 446.22 Td (\(14,848) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 446.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 432.17 Td (State tax expense net of federal impact) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 432.17 Td (10,030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 432.17 Td (9,205) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 432.17 Td (5,721) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 418.17 Td (Non-deductible contingent consideration) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 398.15 418.17 Td (1,026) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 418.17 Td (158) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 418.17 Td (3,738) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 404.17 Td (Non-includable increase in cash surrender value of life insurance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 404.22 Td (\(1,432) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 404.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.80 404.22 Td (\(1,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 404.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 404.22 Td (\(1,120) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 404.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 390.17 Td (Non-deductible merger expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.65 390.17 Td (298) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 474.65 390.17 Td (360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.65 390.17 Td (988) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 376.17 Td (Adjustment of tax contingency reserves) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.65 376.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 471.30 376.22 Td (\(969) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 376.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 545.30 376.22 Td (\(31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 376.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 362.17 Td (Other items, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.80 362.22 Td (\(1,148) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.65 362.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 362.17 Td (1,301) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 540.30 362.22 Td (\(408) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 362.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 348.17 Td (Income tax expense) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.00 348.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 348.17 Td (79,244) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 431.00 348.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.15 348.17 Td (73,211) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 348.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 348.17 Td (37,193) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 73.45 320.10 Td (T) Tj ET Q q 0 0 0 rg BT 78.86 320.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 100.38 320.10 Td (740, ) Tj ET Q q 0 0 0 rg BT 122.19 320.10 Td ("Accounting ) Tj ET Q q 0 0 0 rg BT 177.23 320.10 Td (for ) Tj ET Q q 0 0 0 rg BT 193.20 320.10 Td (Uncertainty ) Tj ET Q q 0 0 0 rg BT 244.71 320.10 Td (in ) Tj ET Q q 0 0 0 rg BT 256.80 320.10 Td (Income ) Tj ET Q q 0 0 0 rg BT 290.78 320.10 Td (T) Tj ET Q q 0 0 0 rg BT 296.19 320.10 Td (axes" ) Tj ET Q q 0 0 0 rg BT 322.35 320.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 361.09 320.10 Td (guidance ) Tj ET Q q 0 0 0 rg BT 401.49 320.10 Td (on ) Tj ET Q q 0 0 0 rg BT 415.80 320.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 455.09 320.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 497.71 320.10 Td (recognition ) Tj ET Q q 0 0 0 rg BT 547.56 320.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 105.81 308.10 Td (of ) Tj ET Q q 0 0 0 rg BT 116.64 308.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 131.36 308.10 Td (positions ) Tj ET Q q 0 0 0 rg BT 169.98 308.10 Td (taken, ) Tj ET Q q 0 0 0 rg BT 196.63 308.10 Td (or ) Tj ET Q q 0 0 0 rg BT 207.46 308.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 245.49 308.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.77 308.10 Td (be ) Tj ET Q q 0 0 0 rg BT 267.71 308.10 Td (taken, ) Tj ET Q q 0 0 0 rg BT 294.37 308.10 Td (in ) Tj ET Q q 0 0 0 rg BT 304.64 308.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 319.36 308.10 Td (returns.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.10 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 284.10 Td ( ) Tj ET Q q 0 0 0 rg BT 58.22 284.10 Td (reconciliation ) Tj ET Q q 0 0 0 rg BT 114.74 284.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.61 284.10 Td (the ) Tj ET Q q 0 0 0 rg BT 138.37 284.10 Td (change ) Tj ET Q q 0 0 0 rg BT 168.23 284.10 Td (in ) Tj ET Q q 0 0 0 rg BT 177.56 284.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 232.97 284.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 246.73 284.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 279.93 284.10 Td (from ) Tj ET Q q 0 0 0 rg BT 300.91 284.10 Td (January1, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 343.56 284.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 363.56 284.10 Td ( ) Tj ET Q q 0 0 0 rg BT 365.10 284.10 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 374.43 284.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 432.06 284.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 452.06 284.10 Td ( ) Tj ET Q q 0 0 0 rg BT 453.60 284.10 Td (is ) Tj ET Q q 0 0 0 rg BT 461.82 284.10 Td (as ) Tj ET Q q 0 0 0 rg BT 471.69 284.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 503.24 284.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 515.89 284.10 Td (thousands\): ) Tj ET Q q 0 0 0 rg BT 564.50 284.10 Td ( ) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 253.60 214.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 253.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 253.60 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 253.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 253.60 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 253.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 253.60 96.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 225.60 214.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 225.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 225.60 97.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 365.50 225.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 369.50 225.60 93.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 225.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 225.60 96.00 -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 268.5 253.60000000000002 m 365.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 253.60000000000002 m 462.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 253.60000000000002 m 562.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 253.60000000000002 m 365.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 253.60000000000002 m 462.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 253.60000000000002 m 562.5 253.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 225.60000000000002 m 365.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 212.60000000000002 m 365.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 210.60000000000002 m 365.5 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 225.60000000000002 m 462.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 212.60000000000002 m 462.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 369.5 210.60000000000002 m 462.5 210.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 225.60000000000002 m 562.5 225.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 212.60000000000002 m 562.5 212.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 210.60000000000002 m 562.5 210.60000000000002 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 256.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.55 265.68 Td (Unr) Tj ET Q q 0 0 0 rg BT 286.18 265.68 Td (ecognized) Tj ET Q q 0 0 0 rg BT 321.36 265.68 Td (T) Tj ET Q q 0 0 0 rg BT 325.96 265.68 Td (axBenefit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.05 257.68 Td (W) Tj ET Q q 0 0 0 rg BT 295.91 257.68 Td (ithoutInter) Tj ET Q q 0 0 0 rg BT 335.54 257.68 Td (est) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.20 265.68 Td (Inter) Tj ET Q q 0 0 0 rg BT 390.38 265.68 Td (estonunr) Tj ET Q q 0 0 0 rg BT 424.47 265.68 Td (ecognized) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 395.95 257.68 Td (T) Tj ET Q q 0 0 0 rg BT 400.55 257.68 Td (axBenefit) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 473.50 265.68 Td (T) Tj ET Q q 0 0 0 rg BT 478.10 265.68 Td (otalUnr) Tj ET Q q 0 0 0 rg BT 506.62 265.68 Td (ecognized) Tj ET Q q 0 0 0 rg BT 541.80 265.68 Td (T) Tj ET Q q 0 0 0 rg BT 546.40 265.68 Td (ax) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 470.05 257.68 Td (BenefitIncludingInter) Tj ET Q q 0 0 0 rg BT 548.58 257.68 Td (est) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 244.17 Td (Balance at January1, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 244.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 244.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.00 244.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 244.17 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.00 244.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 244.17 Td (19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 230.17 Td (Increases for tax positions of prior years) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 230.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 230.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 230.17 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 216.17 Td (Balance at December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 271.00 216.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.65 216.17 Td (17) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.00 216.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.65 216.17 Td (3) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.00 216.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 216.17 Td (20) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 200.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 188.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.06 188.10 Td (whole ) Tj ET Q q 0 0 0 rg BT 95.02 188.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 127.53 188.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.38 188.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 194.76 188.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 209.49 188.10 Td (benefits ) Tj ET Q q 0 0 0 rg BT 243.66 188.10 Td (would ) Tj ET Q q 0 0 0 rg BT 271.18 188.10 Td (af) Tj ET Q q 0 0 0 rg BT 278.77 188.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 296.27 188.10 Td (the ) Tj ET Q q 0 0 0 rg BT 311.01 188.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 325.74 188.10 Td (provision ) Tj ET Q q 0 0 0 rg BT 366.04 188.10 Td (and ) Tj ET Q q 0 0 0 rg BT 382.99 188.10 Td (the ) Tj ET Q q 0 0 0 rg BT 397.72 188.10 Td (ef) Tj ET Q q 0 0 0 rg BT 405.31 188.10 Td (fective ) Tj ET Q q 0 0 0 rg BT 435.03 188.10 Td (income ) Tj ET Q q 0 0 0 rg BT 466.98 188.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 481.72 188.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 499.22 188.10 Td (if ) Tj ET Q q 0 0 0 rg BT 507.84 188.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 554.22 188.10 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 176.10 Td (future ) Tj ET Q q 0 0 0 rg BT 76.70 176.10 Td (periods. ) Tj ET Q q 0 0 0 rg BT 113.75 176.10 Td (The ) Tj ET Q q 0 0 0 rg BT 132.11 176.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.82 176.10 Td (elects ) Tj ET Q q 0 0 0 rg BT 199.40 176.10 Td (to ) Tj ET Q q 0 0 0 rg BT 210.00 176.10 Td (treat ) Tj ET Q q 0 0 0 rg BT 230.58 176.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 262.83 176.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.09 176.10 Td (penalties ) Tj ET Q q 0 0 0 rg BT 318.45 176.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 365.13 176.10 Td (for ) Tj ET Q q 0 0 0 rg BT 379.61 176.10 Td (the ) Tj ET Q q 0 0 0 rg BT 394.65 176.10 Td (underpayment ) Tj ET Q q 0 0 0 rg BT 454.67 176.10 Td (of ) Tj ET Q q 0 0 0 rg BT 465.82 176.10 Td (income ) Tj ET Q q 0 0 0 rg BT 498.07 176.10 Td (taxes ) Tj ET Q q 0 0 0 rg BT 521.44 176.10 Td (as ) Tj ET Q q 0 0 0 rg BT 532.59 176.10 Td (income ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 64.72 164.10 Td (expense, ) Tj ET Q q 0 0 0 rg BT 101.92 164.10 Td (to ) Tj ET Q q 0 0 0 rg BT 112.20 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 126.92 164.10 Td (extent ) Tj ET Q q 0 0 0 rg BT 153.85 164.10 Td (not ) Tj ET Q q 0 0 0 rg BT 169.13 164.10 Td (included ) Tj ET Q q 0 0 0 rg BT 206.06 164.10 Td (in ) Tj ET Q q 0 0 0 rg BT 216.34 164.10 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 272.71 164.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 287.42 164.10 Td (benefits.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.47 140.10 Td (Company) Tj ET Q q 0 0 0 rg BT 110.14 140.10 Td (s ) Tj ET Q q 0 0 0 rg BT 116.96 140.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 147.64 140.10 Td (income ) Tj ET Q q 0 0 0 rg BT 180.00 140.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 195.14 140.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 225.83 140.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.97 140.10 Td (open ) Tj ET Q q 0 0 0 rg BT 263.33 140.10 Td (and ) Tj ET Q q 0 0 0 rg BT 280.70 140.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 311.95 140.10 Td (to ) Tj ET Q q 0 0 0 rg BT 322.65 140.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 375.01 140.10 Td (for ) Tj ET Q q 0 0 0 rg BT 389.59 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 404.74 140.10 Td (2013 ) Tj ET Q q 0 0 0 rg BT 427.66 140.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 442.81 140.10 Td (return ) Tj ET Q q 0 0 0 rg BT 469.61 140.10 Td (year ) Tj ET Q q 0 0 0 rg BT 489.74 140.10 Td (and ) Tj ET Q q 0 0 0 rg BT 507.11 140.10 Td (forward. ) Tj ET Q q 0 0 0 rg BT 546.47 140.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 128.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 128.10 Td (s ) Tj ET Q q 0 0 0 rg BT 97.83 128.10 Td (various ) Tj ET Q q 0 0 0 rg BT 129.55 128.10 Td (state ) Tj ET Q q 0 0 0 rg BT 150.15 128.10 Td (income ) Tj ET Q q 0 0 0 rg BT 181.86 128.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 196.35 128.10 Td (returns ) Tj ET Q q 0 0 0 rg BT 226.39 128.10 Td (are ) Tj ET Q q 0 0 0 rg BT 240.87 128.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 280.35 128.10 Td (open ) Tj ET Q q 0 0 0 rg BT 302.07 128.10 Td (for ) Tj ET Q q 0 0 0 rg BT 316.00 128.10 Td (the ) Tj ET Q q 0 0 0 rg BT 330.49 128.10 Td (2012 ) Tj ET Q q 0 0 0 rg BT 352.77 128.10 Td (tax ) Tj ET Q q 0 0 0 rg BT 367.26 128.10 Td (return ) Tj ET Q q 0 0 0 rg BT 393.41 128.10 Td (year ) Tj ET Q q 0 0 0 rg BT 412.90 128.10 Td (and ) Tj ET Q q 0 0 0 rg BT 429.61 128.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 463.54 128.10 Td (based ) Tj ET Q q 0 0 0 rg BT 488.58 128.10 Td (on ) Tj ET Q q 0 0 0 rg BT 500.85 128.10 Td (individual ) Tj ET Q q 0 0 0 rg BT 543.68 128.10 Td (state ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 116.10 Td (statutes ) Tj ET Q q 0 0 0 rg BT 82.50 116.10 Td (of ) Tj ET Q q 0 0 0 rg BT 93.33 116.10 Td (limitation. ) Tj ET Q q 0 0 0 rg BT 139.53 116.10 Td (The ) Tj ET Q q 0 0 0 rg BT 157.58 116.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 198.96 116.10 Td (is ) Tj ET Q q 0 0 0 rg BT 208.13 116.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 246.73 116.10 Td (under ) Tj ET Q q 0 0 0 rg BT 272.00 116.10 Td (examination ) Tj ET Q q 0 0 0 rg BT 323.93 116.10 Td (by ) Tj ET Q q 0 0 0 rg BT 336.43 116.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 366.68 116.10 Td (and ) Tj ET Q q 0 0 0 rg BT 383.62 116.10 Td (state ) Tj ET Q q 0 0 0 rg BT 404.44 116.10 Td (taxing ) Tj ET Q q 0 0 0 rg BT 431.94 116.10 Td (authorities. ) Tj ET Q endstream endobj 247 0 obj <> endobj 248 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (123) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 16. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Commitments and Contingencies) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () 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 50 716.9169921875 m 109.4482421875 716.9169921875 l s q 0 0 0 rg BT 50.00 718.25 Td (Commitments:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.45 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 111.59 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 129.44 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 170.63 718.25 Td (is ) Tj ET Q q 0 0 0 rg BT 179.60 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 186.34 718.25 Td (party ) Tj ET Q q 0 0 0 rg BT 209.19 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 219.27 718.25 Td (credit-related ) Tj ET Q q 0 0 0 rg BT 274.87 718.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 312.16 718.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 361.13 718.25 Td (with ) Tj ET Q q 0 0 0 rg BT 381.21 718.25 Td (of) Tj ET Q q 0 0 0 rg BT 389.36 718.25 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 452.73 718.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 470.04 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 480.12 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 494.64 718.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 525.27 718.25 Td (course ) Tj ET Q q 0 0 0 rg BT 553.67 718.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (business ) Tj ET Q q 0 0 0 rg BT 85.94 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.76 706.25 Td (meet ) Tj ET Q q 0 0 0 rg BT 117.24 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 131.50 706.25 Td (financing ) Tj ET Q q 0 0 0 rg BT 171.31 706.25 Td (needs ) Tj ET Q q 0 0 0 rg BT 196.13 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 206.50 706.25 Td (its ) Tj ET Q q 0 0 0 rg BT 218.00 706.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 265.44 706.25 Td (These ) Tj ET Q q 0 0 0 rg BT 291.37 706.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 328.39 706.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 377.10 706.25 Td (include ) Tj ET Q q 0 0 0 rg BT 408.58 706.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 465.07 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 474.89 706.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 503.59 706.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 530.90 706.25 Td (standby ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 76.96 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 87.82 694.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 113.11 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.08 694.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 179.80 694.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 206.77 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 217.63 694.25 Td (credit. ) Tj ET Q q 0 0 0 rg BT 247.92 694.25 Td (Such ) Tj ET Q q 0 0 0 rg BT 270.45 694.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 327.41 694.25 Td (involve, ) Tj ET Q q 0 0 0 rg BT 362.44 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 372.74 694.25 Td (varying ) Tj ET Q q 0 0 0 rg BT 405.82 694.25 Td (degrees, ) Tj ET Q q 0 0 0 rg BT 441.38 694.25 Td (elements ) Tj ET Q q 0 0 0 rg BT 479.45 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 490.31 694.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 515.60 694.25 Td (and ) Tj ET Q q 0 0 0 rg BT 532.57 694.25 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 67.49 682.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 84.99 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 95.26 682.25 Td (excess ) Tj ET Q q 0 0 0 rg BT 123.86 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 134.69 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 149.41 682.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 181.90 682.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 228.27 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 238.54 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 253.26 682.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 306.30 682.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 339.34 682.25 Td (sheets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.30 658.25 Td (Company) Tj ET Q q 0 0 0 rg BT 109.96 658.25 Td (s ) Tj ET Q q 0 0 0 rg BT 116.60 658.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 155.45 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 165.98 658.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 191.50 658.25 Td (loss ) Tj ET Q q 0 0 0 rg BT 209.81 658.25 Td (is ) Tj ET Q q 0 0 0 rg BT 219.23 658.25 Td (represented ) Tj ET Q q 0 0 0 rg BT 268.06 658.25 Td (by ) Tj ET Q q 0 0 0 rg BT 280.81 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 295.78 658.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 342.95 658.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 375.70 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 386.78 658.25 Td (these ) Tj ET Q q 0 0 0 rg BT 410.07 658.25 Td (commitments. ) Tj ET Q q 0 0 0 rg BT 472.06 658.25 Td (The ) Tj ET Q q 0 0 0 rg BT 490.36 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 532.00 658.25 Td (follows ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 646.25 Td (same ) Tj ET Q q 0 0 0 rg BT 87.76 646.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 113.03 646.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 146.63 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 156.91 646.25 Td (making ) Tj ET Q q 0 0 0 rg BT 189.40 646.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 246.34 646.25 Td (as ) Tj ET Q q 0 0 0 rg BT 257.17 646.25 Td (it ) Tj ET Q q 0 0 0 rg BT 265.23 646.25 Td (does ) Tj ET Q q 0 0 0 rg BT 286.06 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 300.22 646.25 Td (on-balance-sheet ) Tj ET Q q 0 0 0 rg BT 370.46 646.25 Td (instruments.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.73 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.55 622.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.55 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 141.28 622.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.45 622.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 177.45 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 181.68 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 195.63 622.25 Td (following ) Tj ET Q q 0 0 0 rg BT 236.24 622.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 272.95 622.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 321.35 622.25 Td (were ) Tj ET Q q 0 0 0 rg BT 342.51 622.25 Td (outstanding, ) Tj ET Q q 0 0 0 rg BT 393.41 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 407.35 622.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 453.50 622.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 489.12 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 499.18 622.25 Td (which ) Tj ET Q q 0 0 0 rg BT 525.35 622.25 Td (represent ) 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 58.15 610.25 Td (f-balance ) Tj ET Q q 0 0 0 rg BT 97.84 610.25 Td (sheet ) Tj ET Q q 0 0 0 rg BT 120.89 610.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 146.15 610.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 163.65 610.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 177.26 610.25 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 563.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 563.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 563.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 563.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 535.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 535.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 535.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 535.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 535.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 507.75 330.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 380.50 507.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 384.50 507.75 87.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 471.50 507.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 475.50 507.75 87.00 -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 384.5 575.75 m 471.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 471.5 575.75 m 475.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 575.75 m 562.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 575.75 m 471.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 384.5 563.75 m 471.5 563.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 575.75 m 562.5 575.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 475.5 563.75 m 562.5 563.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 578.47 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 433.10 579.15 Td (ContractualAmount) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 566.47 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 418.50 567.15 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 509.50 567.15 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 554.32 Td (Commitments to extend credit:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 468.00 552.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 552.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 540.32 Td (Home equity lines) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.00 540.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.15 540.32 Td (235,279) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.00 540.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 540.32 Td (187,478) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 526.32 Td (Other commitments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 427.65 526.32 Td (3,679,259) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 518.65 526.32 Td (3,049,152) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 512.32 Td (Letters of credit:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 468.00 510.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 510.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 498.32 Td (Standby) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.15 498.32 Td (185,386) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 498.32 Td (137,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 484.32 Td (Commercial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.15 484.32 Td (1,766) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 484.32 Td (1,108) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 456.25 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 109.28 456.25 Td (to ) Tj ET Q q 0 0 0 rg BT 119.68 456.25 Td (extend ) Tj ET Q q 0 0 0 rg BT 148.95 456.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 174.33 456.25 Td (are ) Tj ET Q q 0 0 0 rg BT 189.15 456.25 Td (agreements ) Tj ET Q q 0 0 0 rg BT 237.29 456.25 Td (to ) Tj ET Q q 0 0 0 rg BT 247.69 456.25 Td (lend ) Tj ET Q q 0 0 0 rg BT 267.52 456.25 Td (to ) Tj ET Q q 0 0 0 rg BT 277.91 456.25 Td (a ) Tj ET Q q 0 0 0 rg BT 284.97 456.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 324.24 456.25 Td (as ) Tj ET Q q 0 0 0 rg BT 335.18 456.25 Td (long ) Tj ET Q q 0 0 0 rg BT 355.57 456.25 Td (as ) Tj ET Q q 0 0 0 rg BT 366.52 456.25 Td (there ) Tj ET Q q 0 0 0 rg BT 389.12 456.25 Td (is ) Tj ET Q q 0 0 0 rg BT 398.40 456.25 Td (no ) Tj ET Q q 0 0 0 rg BT 411.02 456.25 Td (violation ) Tj ET Q q 0 0 0 rg BT 449.18 456.25 Td (of ) Tj ET Q q 0 0 0 rg BT 460.13 456.25 Td (any ) Tj ET Q q 0 0 0 rg BT 477.18 456.25 Td (condition ) Tj ET Q q 0 0 0 rg BT 517.57 456.25 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 444.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.14 444.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.73 444.25 Td (contract. ) Tj ET Q q 0 0 0 rg BT 114.29 444.25 Td (Commitments ) Tj ET Q q 0 0 0 rg BT 173.33 444.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 212.90 444.25 Td (have ) Tj ET Q q 0 0 0 rg BT 234.14 444.25 Td (fixed ) Tj ET Q q 0 0 0 rg BT 257.05 444.25 Td (expiration ) Tj ET Q q 0 0 0 rg BT 299.96 444.25 Td (dates ) Tj ET Q q 0 0 0 rg BT 322.87 444.25 Td (or ) Tj ET Q q 0 0 0 rg BT 333.57 444.25 Td (other ) Tj ET Q q 0 0 0 rg BT 356.48 444.25 Td (termination ) Tj ET Q q 0 0 0 rg BT 404.95 444.25 Td (clauses ) Tj ET Q q 0 0 0 rg BT 436.19 444.25 Td (and ) Tj ET Q q 0 0 0 rg BT 452.99 444.25 Td (may ) Tj ET Q q 0 0 0 rg BT 472.58 444.25 Td (require ) Tj ET Q q 0 0 0 rg BT 503.26 444.25 Td (a ) Tj ET Q q 0 0 0 rg BT 510.06 444.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 546.86 444.25 Td (of ) Tj ET Q q 0 0 0 rg BT 557.56 444.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 432.25 Td (fee. ) Tj ET Q q 0 0 0 rg BT 69.73 432.25 Td (The ) Tj ET Q q 0 0 0 rg BT 87.99 432.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 145.15 432.25 Td (for ) Tj ET Q q 0 0 0 rg BT 159.53 432.25 Td (home ) Tj ET Q q 0 0 0 rg BT 184.47 432.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 212.18 432.25 Td (lines ) Tj ET Q q 0 0 0 rg BT 233.79 432.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.83 432.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 270.32 432.25 Td (may ) Tj ET Q q 0 0 0 rg BT 290.25 432.25 Td (expire ) Tj ET Q q 0 0 0 rg BT 317.96 432.25 Td (without ) Tj ET Q q 0 0 0 rg BT 351.23 432.25 Td (being ) Tj ET Q q 0 0 0 rg BT 376.17 432.25 Td (drawn ) Tj ET Q q 0 0 0 rg BT 403.88 432.25 Td (upon. ) Tj ET Q q 0 0 0 rg BT 431.40 432.25 Td (Therefore, ) Tj ET Q q 0 0 0 rg BT 476.03 432.25 Td (the ) Tj ET Q q 0 0 0 rg BT 490.97 432.25 Td (total ) Tj ET Q q 0 0 0 rg BT 511.46 432.25 Td (commitment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 420.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.63 420.25 Td (do ) Tj ET Q q 0 0 0 rg BT 99.37 420.25 Td (not ) Tj ET Q q 0 0 0 rg BT 114.89 420.25 Td (necessarily ) Tj ET Q q 0 0 0 rg BT 162.05 420.25 Td (represent ) Tj ET Q q 0 0 0 rg BT 201.44 420.25 Td (future ) Tj ET Q q 0 0 0 rg BT 228.06 420.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 248.56 420.25 Td (requirements. ) Tj ET Q q 0 0 0 rg BT 308.31 420.25 Td (The ) Tj ET Q q 0 0 0 rg BT 326.60 420.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 359.33 420.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.40 420.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 410.34 420.25 Td (obtained, ) Tj ET Q q 0 0 0 rg BT 450.02 420.25 Td (if ) Tj ET Q q 0 0 0 rg BT 458.87 420.25 Td (it ) Tj ET Q q 0 0 0 rg BT 467.16 420.25 Td (is ) Tj ET Q q 0 0 0 rg BT 476.57 420.25 Td (deemed ) Tj ET Q q 0 0 0 rg BT 510.41 420.25 Td (necessary ) Tj ET Q q 0 0 0 rg BT 552.02 420.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 408.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 408.25 Td (Company) Tj ET Q q 0 0 0 rg BT 102.95 408.25 Td (, ) Tj ET Q q 0 0 0 rg BT 107.95 408.25 Td (is ) Tj ET Q q 0 0 0 rg BT 117.12 408.25 Td (based ) Tj ET Q q 0 0 0 rg BT 142.39 408.25 Td (on ) Tj ET Q q 0 0 0 rg BT 154.89 408.25 Td (management) Tj ET Q q 0 0 0 rg BT 208.76 408.25 Td (s ) Tj ET Q q 0 0 0 rg BT 215.15 408.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 240.42 408.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 284.57 408.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.40 408.25 Td (the ) Tj ET Q q 0 0 0 rg BT 310.11 408.25 Td (customer) Tj ET Q q 0 0 0 rg BT 346.22 408.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 396.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.54 384.25 Td (Company) Tj ET Q q 0 0 0 rg BT 105.78 384.25 Td (, ) Tj ET Q q 0 0 0 rg BT 110.28 384.25 Td (in ) Tj ET Q q 0 0 0 rg BT 120.05 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 134.26 384.25 Td (normal ) Tj ET Q q 0 0 0 rg BT 164.58 384.25 Td (course ) Tj ET Q q 0 0 0 rg BT 192.68 384.25 Td (of ) Tj ET Q q 0 0 0 rg BT 203.01 384.25 Td (its ) Tj ET Q q 0 0 0 rg BT 214.45 384.25 Td (business, ) Tj ET Q q 0 0 0 rg BT 252.84 384.25 Td (regularly ) Tj ET Q q 0 0 0 rg BT 290.93 384.25 Td (of) Tj ET Q q 0 0 0 rg BT 299.08 384.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 316.06 384.25 Td (standby ) Tj ET Q q 0 0 0 rg BT 349.17 384.25 Td (and ) Tj ET Q q 0 0 0 rg BT 365.60 384.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 414.80 384.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 441.23 384.25 Td (of ) Tj ET Q q 0 0 0 rg BT 451.55 384.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 476.31 384.25 Td (to ) Tj ET Q q 0 0 0 rg BT 486.09 384.25 Td (its ) Tj ET Q q 0 0 0 rg BT 497.53 384.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 518.96 384.25 Td (customers. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.25 Td (Standby ) Tj ET Q q 0 0 0 rg BT 84.72 372.25 Td (and ) Tj ET Q q 0 0 0 rg BT 101.10 372.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 150.24 372.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 176.62 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.89 372.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 211.60 372.25 Td (are ) Tj ET Q q 0 0 0 rg BT 225.75 372.25 Td (a ) Tj ET Q q 0 0 0 rg BT 232.13 372.25 Td (conditional ) Tj ET Q q 0 0 0 rg BT 279.07 372.25 Td (but ) Tj ET Q q 0 0 0 rg BT 293.79 372.25 Td (irrevocable ) Tj ET Q q 0 0 0 rg BT 340.70 372.25 Td (form ) Tj ET Q q 0 0 0 rg BT 362.08 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 372.36 372.25 Td (guarantee. ) Tj ET Q q 0 0 0 rg BT 418.16 372.25 Td (Under ) Tj ET Q q 0 0 0 rg BT 445.10 372.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 471.47 372.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.75 372.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 508.96 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 372.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 360.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.67 360.25 Td (guarantees ) Tj ET Q q 0 0 0 rg BT 133.11 360.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 170.23 360.25 Td (to ) Tj ET Q q 0 0 0 rg BT 180.69 360.25 Td (a ) Tj ET Q q 0 0 0 rg BT 187.81 360.25 Td (third ) Tj ET Q q 0 0 0 rg BT 209.38 360.25 Td (party ) Tj ET Q q 0 0 0 rg BT 232.61 360.25 Td (beneficiary ) Tj ET Q q 0 0 0 rg BT 280.26 360.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 302.95 360.25 Td (the ) Tj ET Q q 0 0 0 rg BT 317.85 360.25 Td (default ) Tj ET Q q 0 0 0 rg BT 348.29 360.25 Td (of ) Tj ET Q q 0 0 0 rg BT 359.31 360.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 396.42 360.25 Td (or ) Tj ET Q q 0 0 0 rg BT 407.44 360.25 Td (nonperformance ) Tj ET Q q 0 0 0 rg BT 475.64 360.25 Td (by ) Tj ET Q q 0 0 0 rg BT 488.33 360.25 Td (the ) Tj ET Q q 0 0 0 rg BT 503.23 360.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 525.35 360.25 Td (customer ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 348.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 89.44 348.25 Td (receipt ) Tj ET Q q 0 0 0 rg BT 119.14 348.25 Td (of ) Tj ET Q q 0 0 0 rg BT 129.97 348.25 Td (complying ) Tj ET Q q 0 0 0 rg BT 175.24 348.25 Td (documentation ) Tj ET Q q 0 0 0 rg BT 237.17 348.25 Td (from ) Tj ET Q q 0 0 0 rg BT 259.11 348.25 Td (that ) Tj ET Q q 0 0 0 rg BT 276.61 348.25 Td (beneficiary) Tj ET Q q 0 0 0 rg BT 320.93 348.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 336.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 324.25 Td (Both ) Tj ET Q q 0 0 0 rg BT 72.04 324.25 Td (standby ) Tj ET Q q 0 0 0 rg BT 105.75 324.25 Td (and ) Tj ET Q q 0 0 0 rg BT 122.78 324.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 172.57 324.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 199.60 324.25 Td (of ) Tj ET Q q 0 0 0 rg BT 210.52 324.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 235.88 324.25 Td (may ) Tj ET Q q 0 0 0 rg BT 255.69 324.25 Td (be ) Tj ET Q q 0 0 0 rg BT 267.72 324.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 295.32 324.25 Td (for ) Tj ET Q q 0 0 0 rg BT 309.57 324.25 Td (any ) Tj ET Q q 0 0 0 rg BT 326.60 324.25 Td (length ) Tj ET Q q 0 0 0 rg BT 354.19 324.25 Td (of ) Tj ET Q q 0 0 0 rg BT 365.12 324.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 387.99 324.25 Td (but ) Tj ET Q q 0 0 0 rg BT 403.36 324.25 Td (normally ) Tj ET Q q 0 0 0 rg BT 442.06 324.25 Td (do ) Tj ET Q q 0 0 0 rg BT 454.65 324.25 Td (not ) Tj ET Q q 0 0 0 rg BT 470.02 324.25 Td (exceed ) Tj ET Q q 0 0 0 rg BT 500.37 324.25 Td (a ) Tj ET Q q 0 0 0 rg BT 507.40 324.25 Td (period ) Tj ET Q q 0 0 0 rg BT 535.54 324.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.47 324.25 Td (five) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 312.25 Td (years. ) Tj ET Q q 0 0 0 rg BT 78.54 312.25 Td (These ) Tj ET Q q 0 0 0 rg BT 105.06 312.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 132.13 312.25 Td (of ) Tj ET Q q 0 0 0 rg BT 143.09 312.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 168.49 312.25 Td (may ) Tj ET Q q 0 0 0 rg BT 188.34 312.25 Td (also ) Tj ET Q q 0 0 0 rg BT 207.09 312.25 Td (be ) Tj ET Q q 0 0 0 rg BT 219.16 312.25 Td (extended ) Tj ET Q q 0 0 0 rg BT 257.89 312.25 Td (or ) Tj ET Q q 0 0 0 rg BT 268.86 312.25 Td (amended ) Tj ET Q q 0 0 0 rg BT 307.59 312.25 Td (from ) Tj ET Q q 0 0 0 rg BT 329.66 312.25 Td (time ) Tj ET Q q 0 0 0 rg BT 350.07 312.25 Td (to ) Tj ET Q q 0 0 0 rg BT 360.48 312.25 Td (time ) Tj ET Q q 0 0 0 rg BT 380.89 312.25 Td (depending ) Tj ET Q q 0 0 0 rg BT 425.18 312.25 Td (on ) Tj ET Q q 0 0 0 rg BT 437.82 312.25 Td (the ) Tj ET Q q 0 0 0 rg BT 452.67 312.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 474.75 312.25 Td (customer) Tj ET Q q 0 0 0 rg BT 511.77 312.25 Td () Tj ET Q q 0 0 0 rg BT 514.55 312.25 Td (s ) Tj ET Q q 0 0 0 rg BT 521.08 312.25 Td (needs. ) Tj ET Q q 0 0 0 rg BT 550.90 312.25 Td (As ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 300.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.03 300.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.82 300.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.82 300.25 Td (, ) Tj ET Q q 0 0 0 rg BT 145.02 300.25 Td (the ) Tj ET Q q 0 0 0 rg BT 159.94 300.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 203.20 300.25 Td (remaining ) Tj ET Q q 0 0 0 rg BT 246.44 300.25 Td (term ) Tj ET Q q 0 0 0 rg BT 267.47 300.25 Td (for ) Tj ET Q q 0 0 0 rg BT 281.83 300.25 Td (any ) Tj ET Q q 0 0 0 rg BT 298.97 300.25 Td (standby ) Tj ET Q q 0 0 0 rg BT 332.78 300.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 359.92 300.25 Td (of ) Tj ET Q q 0 0 0 rg BT 370.95 300.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 396.42 300.25 Td (matures ) Tj ET Q q 0 0 0 rg BT 430.78 300.25 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 443.48 300.25 Td (September30, ) Tj ET Q q 0 0 0 rg BT 503.95 300.25 Td (2030) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 523.95 300.25 Td (. ) Tj ET Q q 0 0 0 rg BT 531.05 300.25 Td (A) Tj ET Q q 0 0 0 rg BT 537.72 300.25 Td ( ) Tj ET Q q 0 0 0 rg BT 540.42 300.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 555.33 300.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 288.25 Td (char) Tj ET Q q 0 0 0 rg BT 67.03 288.25 Td (ged ) Tj ET Q q 0 0 0 rg BT 84.49 288.25 Td (to ) Tj ET Q q 0 0 0 rg BT 95.29 288.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.53 288.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 132.99 288.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 172.67 288.25 Td (and ) Tj ET Q q 0 0 0 rg BT 190.13 288.25 Td (is ) Tj ET Q q 0 0 0 rg BT 199.82 288.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 246.70 288.25 Td (as ) Tj ET Q q 0 0 0 rg BT 258.06 288.25 Td (income ) Tj ET Q q 0 0 0 rg BT 290.51 288.25 Td (over ) Tj ET Q q 0 0 0 rg BT 311.30 288.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.54 288.25 Td (life ) Tj ET Q q 0 0 0 rg BT 342.89 288.25 Td (of ) Tj ET Q q 0 0 0 rg BT 354.24 288.25 Td (the ) Tj ET Q q 0 0 0 rg BT 369.48 288.25 Td (letter ) Tj ET Q q 0 0 0 rg BT 393.05 288.25 Td (of ) Tj ET Q q 0 0 0 rg BT 404.40 288.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 432.69 288.25 Td (unless ) Tj ET Q q 0 0 0 rg BT 460.71 288.25 Td (considered ) Tj ET Q q 0 0 0 rg BT 507.05 288.25 Td (non-rebatable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 276.25 Td (under ) Tj ET Q q 0 0 0 rg BT 75.27 276.25 Td (the ) Tj ET Q q 0 0 0 rg BT 89.99 276.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 114.70 276.25 Td (of ) Tj ET Q q 0 0 0 rg BT 125.53 276.25 Td (a ) Tj ET Q q 0 0 0 rg BT 132.47 276.25 Td (letter ) Tj ET Q q 0 0 0 rg BT 155.51 276.25 Td (of ) Tj ET Q q 0 0 0 rg BT 166.34 276.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 191.61 276.25 Td (application.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 264.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 252.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 61.66 252.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 119.41 252.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.41 252.25 Td (, ) Tj ET Q q 0 0 0 rg BT 143.58 252.25 Td (the ) Tj ET Q q 0 0 0 rg BT 157.46 252.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 197.98 252.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 244.07 252.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 275.73 252.25 Td (of ) Tj ET Q q 0 0 0 rg BT 285.72 252.25 Td (these ) Tj ET Q q 0 0 0 rg BT 307.93 252.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 334.03 252.25 Td (of ) Tj ET Q q 0 0 0 rg BT 344.02 252.25 Td (credit, ) Tj ET Q q 0 0 0 rg BT 370.95 252.25 Td (which ) Tj ET Q q 0 0 0 rg BT 397.05 252.25 Td (represents ) Tj ET Q q 0 0 0 rg BT 439.25 252.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.13 252.25 Td (maximum ) Tj ET Q q 0 0 0 rg BT 495.35 252.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 532.00 252.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 240.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.99 240.25 Td (future ) Tj ET Q q 0 0 0 rg BT 87.52 240.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 128.51 240.25 Td (that ) Tj ET Q q 0 0 0 rg BT 146.16 240.25 Td (the ) Tj ET Q q 0 0 0 rg BT 161.04 240.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 202.58 240.25 Td (would ) Tj ET Q q 0 0 0 rg BT 230.24 240.25 Td (be ) Tj ET Q q 0 0 0 rg BT 242.34 240.25 Td (obligated ) Tj ET Q q 0 0 0 rg BT 282.21 240.25 Td (to ) Tj ET Q q 0 0 0 rg BT 292.65 240.25 Td (pay) Tj ET Q q 0 0 0 rg BT 306.44 240.25 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.59 240.25 Td (increased) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 349.35 240.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.01 240.25 Td ($48.1 ) Tj ET Q q 0 0 0 rg BT 377.17 240.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 406.06 240.25 Td ( ) Tj ET Q q 0 0 0 rg BT 408.72 240.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 419.15 240.25 Td ($187.2 ) Tj ET Q q 0 0 0 rg BT 449.31 240.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.20 240.25 Td ( ) Tj ET Q q 0 0 0 rg BT 480.86 240.25 Td (from ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 502.96 240.25 Td ($139.1 ) Tj ET Q q 0 0 0 rg BT 533.12 240.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 228.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.60 228.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 118.06 228.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.06 228.25 Td (. ) Tj ET Q q 0 0 0 rg BT 145.44 228.25 Td (Of ) Tj ET Q q 0 0 0 rg BT 158.37 228.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 172.97 228.25 Td ($187.2 ) Tj ET Q q 0 0 0 rg BT 202.85 228.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.74 228.25 Td ( ) Tj ET Q q 0 0 0 rg BT 234.12 228.25 Td (in ) Tj ET Q q 0 0 0 rg BT 244.28 228.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 301.10 228.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 350.15 228.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.74 228.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 418.21 228.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.21 228.25 Td (, ) Tj ET Q q 0 0 0 rg BT 443.09 228.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.23 228.25 Td ($158.1 ) Tj ET Q q 0 0 0 rg BT 533.11 228.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 216.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 216.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 216.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 102.48 216.25 Td (of ) Tj ET Q q 0 0 0 rg BT 113.31 216.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 138.57 216.25 Td (have ) Tj ET Q q 0 0 0 rg BT 159.95 216.25 Td (been ) Tj ET Q q 0 0 0 rg BT 181.33 216.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 208.83 216.25 Td (or ) Tj ET Q q 0 0 0 rg BT 219.66 216.25 Td (renewed ) Tj ET Q q 0 0 0 rg BT 256.03 216.25 Td (since ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.07 216.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 337.66 216.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 357.66 216.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 204.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 192.25 Td (Letters ) Tj ET Q q 0 0 0 rg BT 80.25 192.25 Td (of ) Tj ET Q q 0 0 0 rg BT 91.07 192.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 116.32 192.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 143.80 192.25 Td (on ) Tj ET Q q 0 0 0 rg BT 156.29 192.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 183.76 192.25 Td (of ) Tj ET Q q 0 0 0 rg BT 194.58 192.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 216.51 192.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 259.54 192.25 Td (may ) Tj ET Q q 0 0 0 rg BT 279.24 192.25 Td (be ) Tj ET Q q 0 0 0 rg BT 291.17 192.25 Td (done ) Tj ET Q q 0 0 0 rg BT 313.09 192.25 Td (on ) Tj ET Q q 0 0 0 rg BT 325.58 192.25 Td (either ) Tj ET Q q 0 0 0 rg BT 350.83 192.25 Td (a ) Tj ET Q q 0 0 0 rg BT 357.76 192.25 Td (secured, ) Tj ET Q q 0 0 0 rg BT 393.28 192.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 429.09 192.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 462.11 192.25 Td (or ) Tj ET Q q 0 0 0 rg BT 472.93 192.25 Td (an ) Tj ET Q q 0 0 0 rg BT 484.85 192.25 Td (unsecured ) Tj ET Q q 0 0 0 rg BT 527.88 192.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 555.36 192.25 Td (If ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 180.25 Td (a ) Tj ET Q q 0 0 0 rg BT 57.45 180.25 Td (letter ) Tj ET Q q 0 0 0 rg BT 81.00 180.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 106.77 180.25 Td (is ) Tj ET Q q 0 0 0 rg BT 116.45 180.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 149.99 180.25 Td (or ) Tj ET Q q 0 0 0 rg BT 161.33 180.25 Td (partially ) Tj ET Q q 0 0 0 rg BT 197.66 180.25 Td (secured, ) Tj ET Q q 0 0 0 rg BT 233.70 180.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.93 180.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 289.13 180.25 Td (can ) Tj ET Q q 0 0 0 rg BT 306.02 180.25 Td (take ) Tj ET Q q 0 0 0 rg BT 325.68 180.25 Td (various ) Tj ET Q q 0 0 0 rg BT 358.13 180.25 Td (forms ) Tj ET Q q 0 0 0 rg BT 384.46 180.25 Td (including ) Tj ET Q q 0 0 0 rg BT 425.24 180.25 Td (bank ) Tj ET Q q 0 0 0 rg BT 447.69 180.25 Td (accounts, ) Tj ET Q q 0 0 0 rg BT 488.18 180.25 Td (investments, ) Tj ET Q q 0 0 0 rg BT 541.46 180.25 Td (fixed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 168.25 Td (assets, ) Tj ET Q q 0 0 0 rg BT 78.31 168.25 Td (inventory) Tj ET Q q 0 0 0 rg BT 115.99 168.25 Td (, ) Tj ET Q q 0 0 0 rg BT 120.97 168.25 Td (accounts ) Tj ET Q q 0 0 0 rg BT 158.44 168.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 202.00 168.25 Td (or ) Tj ET Q q 0 0 0 rg BT 212.81 168.25 Td (real ) Tj ET Q q 0 0 0 rg BT 230.28 168.25 Td (estate. ) Tj ET Q q 0 0 0 rg BT 260.34 168.25 Td (The ) Tj ET Q q 0 0 0 rg BT 278.37 168.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 319.74 168.25 Td (takes ) Tj ET Q q 0 0 0 rg BT 342.77 168.25 Td (the ) Tj ET Q q 0 0 0 rg BT 357.47 168.25 Td (same ) Tj ET Q q 0 0 0 rg BT 380.50 168.25 Td (care ) Tj ET Q q 0 0 0 rg BT 399.62 168.25 Td (in ) Tj ET Q q 0 0 0 rg BT 409.88 168.25 Td (making ) Tj ET Q q 0 0 0 rg BT 442.36 168.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 467.61 168.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 507.31 168.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.23 168.25 Td (obtaining ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 156.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 89.70 156.25 Td (when ) Tj ET Q q 0 0 0 rg BT 113.86 156.25 Td (it ) Tj ET Q q 0 0 0 rg BT 121.91 156.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 148.31 156.25 Td (letters ) Tj ET Q q 0 0 0 rg BT 175.24 156.25 Td (of ) Tj ET Q q 0 0 0 rg BT 186.07 156.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 211.33 156.25 Td (on ) Tj ET Q q 0 0 0 rg BT 223.83 156.25 Td (behalf ) Tj ET Q q 0 0 0 rg BT 251.32 156.25 Td (of ) Tj ET Q q 0 0 0 rg BT 262.15 156.25 Td (its ) Tj ET Q q 0 0 0 rg BT 274.10 156.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 317.14 156.25 Td (as ) Tj ET Q q 0 0 0 rg BT 327.97 156.25 Td (it ) Tj ET Q q 0 0 0 rg BT 336.03 156.25 Td (does ) Tj ET Q q 0 0 0 rg BT 356.86 156.25 Td (when ) Tj ET Q q 0 0 0 rg BT 381.02 156.25 Td (making ) Tj ET Q q 0 0 0 rg BT 413.52 156.25 Td (other ) Tj ET Q q 0 0 0 rg BT 436.56 156.25 Td (types ) Tj ET Q q 0 0 0 rg BT 460.17 156.25 Td (of ) Tj ET Q q 0 0 0 rg BT 471.00 156.25 Td (loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 144.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 132.25 Td (As ) Tj ET Q q 0 0 0 rg BT 63.59 132.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.39 132.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.95 132.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.95 132.25 Td (, ) Tj ET Q q 0 0 0 rg BT 157.93 132.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.62 132.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 213.98 132.25 Td (had ) Tj ET Q q 0 0 0 rg BT 230.89 132.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 291.13 132.25 Td ($3.5 ) Tj ET Q q 0 0 0 rg BT 311.10 132.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 339.99 132.25 Td ( ) Tj ET Q q 0 0 0 rg BT 342.47 132.25 Td (in ) Tj ET Q q 0 0 0 rg BT 352.72 132.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 381.84 132.25 Td (expenditure ) Tj ET Q q 0 0 0 rg BT 431.52 132.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 488.43 132.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 537.57 132.25 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 120.25 Td (relate ) Tj ET Q q 0 0 0 rg BT 74.70 120.25 Td (to ) Tj ET Q q 0 0 0 rg BT 84.98 120.25 Td (various ) Tj ET Q q 0 0 0 rg BT 116.92 120.25 Td (projects ) Tj ET Q q 0 0 0 rg BT 151.07 120.25 Td (to ) Tj ET Q q 0 0 0 rg BT 161.35 120.25 Td (renovate ) Tj ET Q q 0 0 0 rg BT 198.28 120.25 Td (the ) Tj ET Q q 0 0 0 rg BT 212.99 120.25 Td (corporate ) Tj ET Q q 0 0 0 rg BT 253.25 120.25 Td (of) Tj ET Q q 0 0 0 rg BT 261.40 120.25 Td (fice ) Tj ET Q q 0 0 0 rg BT 278.88 120.25 Td (space ) Tj ET Q q 0 0 0 rg BT 303.59 120.25 Td (and ) Tj ET Q q 0 0 0 rg BT 320.53 120.25 Td (branches.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 108.25 Td () Tj ET Q endstream endobj 249 0 obj <> endobj 250 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (124) 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 50 740.7669921875 m 168.29833984375 740.7669921875 l s q 0 0 0 rg BT 50.00 742.10 Td (Concentrations ) Tj ET Q q 0 0 0 rg BT 113.50 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 124.79 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 150.52 742.10 Td (risk:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.30 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 173.55 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 192.05 742.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 228.90 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.19 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 255.37 742.10 Td (loans, ) Tj ET Q q 0 0 0 rg BT 281.94 742.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 339.34 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 350.08 742.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 379.69 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 405.42 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 422.82 742.10 Td (standby ) Tj ET Q q 0 0 0 rg BT 456.89 742.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 484.28 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 495.57 742.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 521.30 742.10 Td (have ) Tj ET Q q 0 0 0 rg BT 543.14 742.10 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 81.65 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 91.10 730.10 Td (customers ) Tj ET Q q 0 0 0 rg BT 133.31 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 142.76 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 156.64 730.10 Td (Company) Tj ET Q q 0 0 0 rg BT 198.31 730.10 Td (s ) Tj ET Q q 0 0 0 rg BT 203.87 730.10 Td (market ) Tj ET Q q 0 0 0 rg BT 233.30 730.10 Td (area. ) Tj ET Q q 0 0 0 rg BT 256.24 730.10 Td (As ) Tj ET Q q 0 0 0 rg BT 269.02 730.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 279.02 730.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 336.77 730.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 356.77 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 360.94 730.10 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.37 730.10 Td (21%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.70 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 440.36 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 450.36 730.10 Td (our ) Tj ET Q q 0 0 0 rg BT 465.36 730.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 514.80 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 524.25 730.10 Td (securities ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 77.92 718.10 Td (by ) Tj ET Q q 0 0 0 rg BT 90.84 718.10 Td (states ) Tj ET Q q 0 0 0 rg BT 115.98 718.10 Td (and ) Tj ET Q q 0 0 0 rg BT 133.33 718.10 Td (political ) Tj ET Q q 0 0 0 rg BT 169.02 718.10 Td (subdivisions ) Tj ET Q q 0 0 0 rg BT 221.95 718.10 Td (were ) Tj ET Q q 0 0 0 rg BT 244.30 718.10 Td (within ) Tj ET Q q 0 0 0 rg BT 272.78 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.92 718.10 Td (state ) Tj ET Q q 0 0 0 rg BT 309.16 718.10 Td (of ) Tj ET Q q 0 0 0 rg BT 320.41 718.10 Td (Illinois. ) Tj ET Q q 0 0 0 rg BT 356.45 718.10 Td (W) Tj ET Q q 0 0 0 rg BT 365.09 718.10 Td (e ) Tj ET Q q 0 0 0 rg BT 372.45 718.10 Td (did ) Tj ET Q q 0 0 0 rg BT 388.15 718.10 Td (not ) Tj ET Q q 0 0 0 rg BT 403.85 718.10 Td (hold ) Tj ET Q q 0 0 0 rg BT 424.54 718.10 Td (any ) Tj ET Q q 0 0 0 rg BT 441.90 718.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 467.59 718.10 Td (exposure ) Tj ET Q q 0 0 0 rg BT 506.61 718.10 Td (to ) Tj ET Q q 0 0 0 rg BT 517.30 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 532.44 718.10 Td (state ) Tj ET Q q 0 0 0 rg BT 553.69 718.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Illinois ) Tj ET Q q 0 0 0 rg BT 82.43 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 94.85 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 107.27 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 167.44 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 187.44 706.10 Td (. ) Tj ET Q q 0 0 0 rg BT 193.74 706.10 Td (The ) Tj ET Q q 0 0 0 rg BT 213.38 706.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 263.58 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 276.00 706.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 334.53 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.40 706.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 377.14 706.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 404.00 706.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 461.96 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 478.27 706.10 Td (distribution ) Tj ET Q q 0 0 0 rg BT 528.47 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 540.89 706.10 Td (loans ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (outstanding. ) Tj ET Q q 0 0 0 rg BT 103.34 694.10 Td (Standby ) Tj ET Q q 0 0 0 rg BT 137.80 694.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 163.92 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 173.93 694.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 198.37 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 212.26 694.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 243.92 694.10 Td (primarily ) Tj ET Q q 0 0 0 rg BT 282.81 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 292.27 694.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 341.15 694.10 Td (borrowers. ) Tj ET Q q 0 0 0 rg BT 385.87 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 387.55 694.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 404.78 694.10 Td (asset-based ) Tj ET Q q 0 0 0 rg BT 452.00 694.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 474.79 694.10 Td (are ) Tj ET Q q 0 0 0 rg BT 488.67 694.10 Td (made ) Tj ET Q q 0 0 0 rg BT 512.01 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 521.46 694.10 Td (borrowers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (located ) Tj ET Q q 0 0 0 rg BT 81.55 682.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 128.11 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.00 682.10 Td (United ) Tj ET Q q 0 0 0 rg BT 172.89 682.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 201.95 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 204.62 682.10 Td (Lease ) Tj ET Q q 0 0 0 rg BT 230.61 682.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 265.50 682.10 Td (provides ) Tj ET Q q 0 0 0 rg BT 302.61 682.10 Td (banking ) Tj ET Q q 0 0 0 rg BT 337.50 682.10 Td (services ) Tj ET Q q 0 0 0 rg BT 372.38 682.10 Td (to ) Tj ET Q q 0 0 0 rg BT 382.83 682.10 Td (lessors ) Tj ET Q q 0 0 0 rg BT 412.73 682.10 Td (located ) Tj ET Q q 0 0 0 rg BT 444.27 682.10 Td (throughout ) Tj ET Q q 0 0 0 rg BT 490.83 682.10 Td (the ) Tj ET Q q 0 0 0 rg BT 505.72 682.10 Td (United ) Tj ET Q q 0 0 0 rg BT 535.61 682.10 Td (States. ) Tj ET Q q 0 0 0 rg BT 564.50 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 567.00 682.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (Our ) Tj ET Q q 0 0 0 rg BT 68.05 670.10 Td (leasing ) Tj ET Q q 0 0 0 rg BT 98.88 670.10 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 148.59 670.10 Td (originate ) Tj ET Q q 0 0 0 rg BT 186.64 670.10 Td (leases ) Tj ET Q q 0 0 0 rg BT 213.01 670.10 Td (to ) Tj ET Q q 0 0 0 rg BT 223.29 670.10 Td (companies ) Tj ET Q q 0 0 0 rg BT 268.55 670.10 Td (located ) Tj ET Q q 0 0 0 rg BT 299.93 670.10 Td (through ) Tj ET Q q 0 0 0 rg BT 333.54 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 348.25 670.10 Td (United ) Tj ET Q q 0 0 0 rg BT 377.97 670.10 Td (States.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td () 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 50 644.7669921875 m 109.990234375 644.7669921875 l s q 0 0 0 rg BT 50.00 646.10 Td (Contingencies:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.99 646.10 Td ( ) Tj ET Q q 0 0 0 rg BT 113.89 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 126.11 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 142.23 646.10 Td (normal ) Tj ET Q q 0 0 0 rg BT 174.45 646.10 Td (course ) Tj ET Q q 0 0 0 rg BT 204.45 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 216.67 646.10 Td (business, ) Tj ET Q q 0 0 0 rg BT 256.96 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 273.08 646.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 315.86 646.10 Td (is ) Tj ET Q q 0 0 0 rg BT 326.43 646.10 Td (involved ) Tj ET Q q 0 0 0 rg BT 365.32 646.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.99 646.10 Td (various ) Tj ET Q q 0 0 0 rg BT 410.33 646.10 Td (legal ) Tj ET Q q 0 0 0 rg BT 433.66 646.10 Td (proceedings. ) Tj ET Q q 0 0 0 rg BT 490.87 646.10 Td (In ) Tj ET Q q 0 0 0 rg BT 503.10 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 519.21 646.10 Td (opinion ) 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 (management, ) Tj ET Q q 0 0 0 rg BT 106.70 634.10 Td (any ) Tj ET Q q 0 0 0 rg BT 124.25 634.10 Td (liability ) Tj ET Q q 0 0 0 rg BT 158.46 634.10 Td (resulting ) Tj ET Q q 0 0 0 rg BT 196.57 634.10 Td (from ) Tj ET Q q 0 0 0 rg BT 219.12 634.10 Td (pending ) Tj ET Q q 0 0 0 rg BT 254.44 634.10 Td (proceedings ) Tj ET Q q 0 0 0 rg BT 305.87 634.10 Td (would ) Tj ET Q q 0 0 0 rg BT 333.98 634.10 Td (not ) Tj ET Q q 0 0 0 rg BT 349.86 634.10 Td (be ) Tj ET Q q 0 0 0 rg BT 362.41 634.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 401.05 634.10 Td (to ) Tj ET Q q 0 0 0 rg BT 411.94 634.10 Td (have ) Tj ET Q q 0 0 0 rg BT 433.93 634.10 Td (a ) Tj ET Q q 0 0 0 rg BT 441.48 634.10 Td (material ) Tj ET Q q 0 0 0 rg BT 477.34 634.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 510.99 634.10 Td (ef) Tj ET Q q 0 0 0 rg BT 518.58 634.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 536.67 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 549.78 634.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (Company) Tj ET Q q 0 0 0 rg BT 91.67 622.10 Td (s ) Tj ET Q q 0 0 0 rg BT 98.06 622.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 151.10 622.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 188.58 622.10 Td (statements. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 598.10 Td (Note 17. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 598.10 Td ( Regulatory Matters ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td () 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 67.67 574.10 Td (Company) Tj ET Q q 0 0 0 rg BT 109.34 574.10 Td (s ) Tj ET Q q 0 0 0 rg BT 115.36 574.10 Td (primary ) Tj ET Q q 0 0 0 rg BT 149.14 574.10 Td (source ) Tj ET Q q 0 0 0 rg BT 177.36 574.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.82 574.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 207.71 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 216.51 574.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 257.52 574.10 Td (from ) Tj ET Q q 0 0 0 rg BT 279.09 574.10 Td (its ) Tj ET Q q 0 0 0 rg BT 290.66 574.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 312.23 574.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 352.69 574.10 Td (, ) Tj ET Q q 0 0 0 rg BT 357.31 574.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 375.00 574.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 414.34 574.10 Td (Bank. ) Tj ET Q q 0 0 0 rg BT 442.42 574.10 Td (The ) Tj ET Q q 0 0 0 rg BT 460.10 574.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 481.66 574.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 524.90 574.10 Td (is ) Tj ET Q q 0 0 0 rg BT 533.69 574.10 Td (subject ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 59.92 562.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 89.27 562.10 Td (restrictions ) Tj ET Q q 0 0 0 rg BT 135.85 562.10 Td (on ) Tj ET Q q 0 0 0 rg BT 147.99 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.36 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 194.50 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 204.97 562.10 Td (dividends ) Tj ET Q q 0 0 0 rg BT 246.00 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 263.14 562.10 Td (it ) Tj ET Q q 0 0 0 rg BT 270.84 562.10 Td (may ) Tj ET Q q 0 0 0 rg BT 290.21 562.10 Td (declare ) Tj ET Q q 0 0 0 rg BT 321.21 562.10 Td (without ) Tj ET Q q 0 0 0 rg BT 353.92 562.10 Td (prior ) Tj ET Q q 0 0 0 rg BT 375.50 562.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 418.74 562.10 Td (approval. ) Tj ET Q q 0 0 0 rg BT 460.87 562.10 Td (In ) Tj ET Q q 0 0 0 rg BT 471.34 562.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 508.76 562.10 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 562.10 Td (dividends ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (declared ) Tj ET Q q 0 0 0 rg BT 86.00 550.10 Td (cannot ) Tj ET Q q 0 0 0 rg BT 114.80 550.10 Td (be ) Tj ET Q q 0 0 0 rg BT 126.38 550.10 Td (in ) Tj ET Q q 0 0 0 rg BT 136.29 550.10 Td (excess ) Tj ET Q q 0 0 0 rg BT 164.53 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 175.00 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 189.36 550.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 221.50 550.10 Td (which ) Tj ET Q q 0 0 0 rg BT 248.07 550.10 Td (would ) Tj ET Q q 0 0 0 rg BT 275.21 550.10 Td (cause ) Tj ET Q q 0 0 0 rg BT 299.56 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 313.92 550.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 335.50 550.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 378.75 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.66 550.10 Td (fall ) Tj ET Q q 0 0 0 rg BT 404.13 550.10 Td (below ) Tj ET Q q 0 0 0 rg BT 430.71 550.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.07 550.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 486.10 550.10 Td (required ) Tj ET Q q 0 0 0 rg BT 521.55 550.10 Td (for ) Tj ET Q q 0 0 0 rg BT 535.35 550.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 90.25 538.10 Td (purposes.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td () 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 67.99 514.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.33 514.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.22 514.10 Td (its ) Tj ET Q q 0 0 0 rg BT 138.11 514.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 160.00 514.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 203.55 514.10 Td (are ) Tj ET Q q 0 0 0 rg BT 218.21 514.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 248.98 514.10 Td (to ) Tj ET Q q 0 0 0 rg BT 259.21 514.10 Td (various ) Tj ET Q q 0 0 0 rg BT 291.09 514.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 334.64 514.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 363.73 514.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 418.38 514.10 Td (administered ) Tj ET Q q 0 0 0 rg BT 472.48 514.10 Td (by ) Tj ET Q q 0 0 0 rg BT 484.93 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 499.59 514.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 529.80 514.10 Td (banking ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td (agencies. ) Tj ET Q q 0 0 0 rg BT 91.47 502.10 Td (Failure ) Tj ET Q q 0 0 0 rg BT 121.84 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 131.67 502.10 Td (meet ) Tj ET Q q 0 0 0 rg BT 153.14 502.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 194.08 502.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 222.78 502.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 277.03 502.10 Td (can ) Tj ET Q q 0 0 0 rg BT 292.95 502.10 Td (initiate ) Tj ET Q q 0 0 0 rg BT 322.76 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 352.01 502.10 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 396.82 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 408.87 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 425.35 502.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 467.39 502.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 521.64 502.10 Td ( ) Tj ET Q q 0 0 0 rg BT 533.68 502.10 Td (actions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (by ) Tj ET Q q 0 0 0 rg BT 61.58 490.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 103.15 490.10 Td (that, ) Tj ET Q q 0 0 0 rg BT 122.23 490.10 Td (if ) Tj ET Q q 0 0 0 rg BT 129.92 490.10 Td (undertaken, ) Tj ET Q q 0 0 0 rg BT 178.43 490.10 Td (could ) Tj ET Q q 0 0 0 rg BT 202.23 490.10 Td (have ) Tj ET Q q 0 0 0 rg BT 222.69 490.10 Td (a ) Tj ET Q q 0 0 0 rg BT 228.71 490.10 Td (direct ) Tj ET Q q 0 0 0 rg BT 253.06 490.10 Td (material ) Tj ET Q q 0 0 0 rg BT 287.40 490.10 Td (ef) Tj ET Q q 0 0 0 rg BT 294.99 490.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 311.56 490.10 Td (on ) Tj ET Q q 0 0 0 rg BT 323.14 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 336.94 490.10 Td (Company) Tj ET Q q 0 0 0 rg BT 378.61 490.10 Td (s ) Tj ET Q q 0 0 0 rg BT 384.08 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 420.65 490.10 Td (statements. ) Tj ET Q q 0 0 0 rg BT 469.44 490.10 Td (Under ) Tj ET Q q 0 0 0 rg BT 496.02 490.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 524.25 490.10 Td (adequacy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (guidelines ) Tj ET Q q 0 0 0 rg BT 93.44 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 110.22 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 124.77 478.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 168.20 478.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 214.41 478.10 Td (for ) Tj ET Q q 0 0 0 rg BT 228.41 478.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 259.63 478.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 301.94 478.10 Td (action, ) Tj ET Q q 0 0 0 rg BT 331.21 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 345.77 478.10 Td (Company) Tj ET Q q 0 0 0 rg BT 387.43 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 393.66 478.10 Td (and ) Tj ET Q q 0 0 0 rg BT 410.44 478.10 Td (its ) Tj ET Q q 0 0 0 rg BT 422.22 478.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 444.00 478.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 487.89 478.10 Td (s ) Tj ET Q q 0 0 0 rg BT 494.12 478.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 522.28 478.10 Td (liabilities, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.20 466.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 95.16 466.10 Td (of) Tj ET Q q 0 0 0 rg BT 103.31 466.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 166.14 466.10 Td (items ) Tj ET Q q 0 0 0 rg BT 189.57 466.10 Td (are ) Tj ET Q q 0 0 0 rg BT 203.53 466.10 Td (calculated ) Tj ET Q q 0 0 0 rg BT 245.82 466.10 Td (under ) Tj ET Q q 0 0 0 rg BT 270.35 466.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 313.20 466.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 358.84 466.10 Td (practices. ) Tj ET Q q 0 0 0 rg BT 401.00 466.10 Td (The ) Tj ET Q q 0 0 0 rg BT 418.31 466.10 Td (Company) Tj ET Q q 0 0 0 rg BT 459.97 466.10 Td (s ) Tj ET Q q 0 0 0 rg BT 465.62 466.10 Td (and ) Tj ET Q q 0 0 0 rg BT 481.82 466.10 Td (its ) Tj ET Q q 0 0 0 rg BT 493.03 466.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 514.23 466.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 558.12 466.10 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 79.11 454.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 115.46 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 132.36 454.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 187.57 454.10 Td (are ) Tj ET Q q 0 0 0 rg BT 202.24 454.10 Td (also ) Tj ET Q q 0 0 0 rg BT 220.81 454.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 251.59 454.10 Td (to ) Tj ET Q q 0 0 0 rg BT 261.83 454.10 Td (qualitative ) Tj ET Q q 0 0 0 rg BT 306.50 454.10 Td (judgments ) Tj ET Q q 0 0 0 rg BT 350.63 454.10 Td (by ) Tj ET Q q 0 0 0 rg BT 363.08 454.10 Td (the ) Tj ET Q q 0 0 0 rg BT 377.76 454.10 Td (regulators ) Tj ET Q q 0 0 0 rg BT 420.21 454.10 Td (about ) Tj ET Q q 0 0 0 rg BT 444.88 454.10 Td (components, ) Tj ET Q q 0 0 0 rg BT 498.17 454.10 Td (risk ) Tj ET Q q 0 0 0 rg BT 515.63 454.10 Td (weightings, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 442.10 Td (other ) Tj ET Q q 0 0 0 rg BT 89.99 442.10 Td (factors. ) Tj ET Q q 0 0 0 rg BT 124.69 442.10 Td (Prompt ) Tj ET Q q 0 0 0 rg BT 156.64 442.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 199.11 442.10 Td (action ) Tj ET Q q 0 0 0 rg BT 226.04 442.10 Td (provisions ) Tj ET Q q 0 0 0 rg BT 270.21 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 284.92 442.10 Td (not ) Tj ET Q q 0 0 0 rg BT 300.20 442.10 Td (applicable ) Tj ET Q q 0 0 0 rg BT 343.79 442.10 Td (to ) Tj ET Q q 0 0 0 rg BT 354.07 442.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 376.01 442.10 Td (holding ) Tj ET Q q 0 0 0 rg BT 409.06 442.10 Td (companies.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (Quantitative ) Tj ET Q q 0 0 0 rg BT 100.93 418.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 139.63 418.10 Td (established ) Tj ET Q q 0 0 0 rg BT 185.57 418.10 Td (by ) Tj ET Q q 0 0 0 rg BT 197.07 418.10 Td (regulation ) Tj ET Q q 0 0 0 rg BT 239.11 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 248.38 418.10 Td (ensure ) Tj ET Q q 0 0 0 rg BT 275.98 418.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 304.13 418.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 343.38 418.10 Td (require ) Tj ET Q q 0 0 0 rg BT 373.20 418.10 Td (the ) Tj ET Q q 0 0 0 rg BT 386.91 418.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 427.30 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 443.24 418.10 Td (its ) Tj ET Q q 0 0 0 rg BT 454.18 418.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 475.12 418.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 517.73 418.10 Td (to ) Tj ET Q q 0 0 0 rg BT 527.01 418.10 Td (maintain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 90.75 406.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 126.50 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 142.81 406.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 166.88 406.10 Td (\(set ) Tj ET Q q 0 0 0 rg BT 183.19 406.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 204.49 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 214.13 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 228.21 406.10 Td (table ) Tj ET Q q 0 0 0 rg BT 249.50 406.10 Td (below\) ) Tj ET Q q 0 0 0 rg BT 279.14 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 289.33 406.10 Td (total ) Tj ET Q q 0 0 0 rg BT 308.96 406.10 Td (and ) Tj ET Q q 0 0 0 rg BT 325.13 406.10 Td (T) Tj ET Q q 0 0 0 rg BT 330.89 406.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 343.30 406.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 350.16 406.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 378.67 406.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 392.20 406.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 424.04 406.10 Td (in ) Tj ET Q q 0 0 0 rg BT 433.69 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 447.77 406.10 Td (regulations\) ) Tj ET Q q 0 0 0 rg BT 497.39 406.10 Td (to ) Tj ET Q q 0 0 0 rg BT 507.03 406.10 Td (risk-weighted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 76.01 394.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 90.35 394.10 Td (defined\), ) Tj ET Q q 0 0 0 rg BT 128.84 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 145.96 394.10 Td (of ) Tj ET Q q 0 0 0 rg BT 156.77 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 162.53 394.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 175.75 394.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 183.43 394.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 212.76 394.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 227.10 394.10 Td (defined\) ) Tj ET Q q 0 0 0 rg BT 263.09 394.10 Td (to ) Tj ET Q q 0 0 0 rg BT 273.55 394.10 Td (average ) Tj ET Q q 0 0 0 rg BT 307.31 394.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 333.32 394.10 Td (\(as ) Tj ET Q q 0 0 0 rg BT 347.66 394.10 Td (defined\). ) Tj ET Q q 0 0 0 rg BT 388.65 394.10 Td (Management ) Tj ET Q q 0 0 0 rg BT 443.53 394.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 478.97 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 493.87 394.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 535.43 394.10 Td (and ) Tj ET Q q 0 0 0 rg BT 552.55 394.10 Td (its ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 71.94 382.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 115.55 382.10 Td (met ) Tj ET Q q 0 0 0 rg BT 133.04 382.10 Td (all ) Tj ET Q q 0 0 0 rg BT 145.54 382.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 174.69 382.10 Td (adequacy ) Tj ET Q q 0 0 0 rg BT 214.94 382.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 269.64 382.10 Td (to ) Tj ET Q q 0 0 0 rg BT 279.92 382.10 Td (which ) Tj ET Q q 0 0 0 rg BT 306.86 382.10 Td (they ) Tj ET Q q 0 0 0 rg BT 326.58 382.10 Td (were ) Tj ET Q q 0 0 0 rg BT 348.51 382.10 Td (subject ) Tj ET Q q 0 0 0 rg BT 379.33 382.10 Td (as ) Tj ET Q q 0 0 0 rg BT 390.16 382.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.99 382.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 459.58 382.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.58 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 482.08 382.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 499.01 382.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 519.01 382.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (As ) Tj ET Q q 0 0 0 rg BT 63.42 358.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.05 358.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 132.43 358.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.43 358.10 Td (, ) Tj ET Q q 0 0 0 rg BT 157.24 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.76 358.10 Td (most ) Tj ET Q q 0 0 0 rg BT 193.51 358.10 Td (recent ) Tj ET Q q 0 0 0 rg BT 220.23 358.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 263.63 358.10 Td (notification ) Tj ET Q q 0 0 0 rg BT 312.03 358.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 360.41 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 374.93 358.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 396.67 358.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 440.08 358.10 Td (as ) Tj ET Q q 0 0 0 rg BT 450.71 358.10 Td (well ) Tj ET Q q 0 0 0 rg BT 474.67 358.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 524.72 358.10 Td (under ) Tj ET Q q 0 0 0 rg BT 549.79 358.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 94.23 346.10 Td (framework ) Tj ET Q q 0 0 0 rg BT 141.24 346.10 Td (then ) Tj ET Q q 0 0 0 rg BT 161.59 346.10 Td (in ) Tj ET Q q 0 0 0 rg BT 172.51 346.10 Td (ef) Tj ET Q q 0 0 0 rg BT 180.10 346.10 Td (fect ) Tj ET Q q 0 0 0 rg BT 198.22 346.10 Td (for ) Tj ET Q q 0 0 0 rg BT 213.02 346.10 Td (prompt ) Tj ET Q q 0 0 0 rg BT 245.05 346.10 Td (corrective ) Tj ET Q q 0 0 0 rg BT 288.16 346.10 Td (action. ) Tj ET Q q 0 0 0 rg BT 320.50 346.10 Td (T) Tj ET Q q 0 0 0 rg BT 325.91 346.10 Td (o ) Tj ET Q q 0 0 0 rg BT 334.05 346.10 Td (be ) Tj ET Q q 0 0 0 rg BT 346.63 346.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 395.85 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 407.31 346.10 Td (well ) Tj ET Q q 0 0 0 rg BT 432.11 346.10 Td (capitalized ) Tj ET Q q 0 0 0 rg BT 482.99 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 494.46 346.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 346.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 334.10 Td (, ) Tj ET Q q 0 0 0 rg BT 74.65 334.10 Td ( ) Tj ET Q q 0 0 0 rg BT 76.79 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 91.15 334.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 112.74 334.10 Td (subsidiary ) Tj ET Q q 0 0 0 rg BT 155.99 334.10 Td (must ) Tj ET Q q 0 0 0 rg BT 177.59 334.10 Td (have ) Tj ET Q q 0 0 0 rg BT 198.61 334.10 Td (maintained ) Tj ET Q q 0 0 0 rg BT 245.19 334.10 Td (the ) Tj ET Q q 0 0 0 rg BT 259.55 334.10 Td (total ) Tj ET Q q 0 0 0 rg BT 279.47 334.10 Td (risk-based, ) Tj ET Q q 0 0 0 rg BT 325.06 334.10 Td (T) Tj ET Q q 0 0 0 rg BT 330.81 334.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 343.51 334.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 350.65 334.10 Td (risk-based, ) Tj ET Q q 0 0 0 rg BT 396.40 334.10 Td (common ) Tj ET Q q 0 0 0 rg BT 433.54 334.10 Td (equity ) Tj ET Q q 0 0 0 rg BT 460.52 334.10 Td (T) Tj ET Q q 0 0 0 rg BT 466.28 334.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 478.97 334.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 486.12 334.10 Td (and ) Tj ET Q q 0 0 0 rg BT 502.55 334.10 Td (T) Tj ET Q q 0 0 0 rg BT 508.31 334.10 Td (ier ) Tj ET Q q 0 0 0 rg BT 521.00 334.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 528.15 334.10 Td (leverage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.10 Td (ratios ) Tj ET Q q 0 0 0 rg BT 74.66 322.10 Td (as ) Tj ET Q q 0 0 0 rg BT 85.43 322.10 Td (set ) Tj ET Q q 0 0 0 rg BT 98.99 322.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 120.87 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 131.09 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.75 322.10 Td (well-capitalized ) Tj ET Q q 0 0 0 rg BT 212.05 322.10 Td (column ) Tj ET Q q 0 0 0 rg BT 244.49 322.10 Td (in ) Tj ET Q q 0 0 0 rg BT 254.71 322.10 Td (the ) Tj ET Q q 0 0 0 rg BT 269.37 322.10 Td (table ) Tj ET Q q 0 0 0 rg BT 291.25 322.10 Td (below) Tj ET Q q 0 0 0 rg BT 315.04 322.10 Td (. ) Tj ET Q q 0 0 0 rg BT 322.30 322.10 Td (There ) Tj ET Q q 0 0 0 rg BT 348.06 322.10 Td (are ) Tj ET Q q 0 0 0 rg BT 362.71 322.10 Td (no ) Tj ET Q q 0 0 0 rg BT 375.16 322.10 Td (conditions ) Tj ET Q q 0 0 0 rg BT 419.27 322.10 Td (or ) Tj ET Q q 0 0 0 rg BT 430.04 322.10 Td (events ) Tj ET Q q 0 0 0 rg BT 458.03 322.10 Td (since ) Tj ET Q q 0 0 0 rg BT 481.02 322.10 Td (that ) Tj ET Q q 0 0 0 rg BT 498.46 322.10 Td (notification ) Tj ET Q q 0 0 0 rg BT 547.00 322.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.10 Td (management ) Tj ET Q q 0 0 0 rg BT 103.59 310.10 Td (believes ) Tj ET Q q 0 0 0 rg BT 138.85 310.10 Td (have ) Tj ET Q q 0 0 0 rg BT 160.23 310.10 Td (changed ) Tj ET Q q 0 0 0 rg BT 196.04 310.10 Td (the ) Tj ET Q q 0 0 0 rg BT 210.76 310.10 Td (bank ) Tj ET Q q 0 0 0 rg BT 232.70 310.10 Td (subsidiary) Tj ET Q q 0 0 0 rg BT 276.59 310.10 Td (s ) Tj ET Q q 0 0 0 rg BT 282.98 310.10 Td (categories.) 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396.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 528.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 528.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 528.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 528.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 500.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 500.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 500.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 500.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 500.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 500.60 4.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 472.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 472.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 472.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 472.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 444.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 444.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 444.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 444.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 444.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 444.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 444.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 444.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 416.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 416.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 416.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 416.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 416.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 416.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 416.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 416.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 388.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 388.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 388.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 388.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 388.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 388.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 388.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 388.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 360.60 177.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 360.60 54.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 360.60 49.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 360.60 54.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 360.60 50.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 360.60 54.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 360.60 4.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 360.60 50.00 -25.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 321.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 321.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 321.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 321.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 321.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 321.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 321.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 321.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 293.60 177.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 227.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 231.50 293.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 289.50 293.60 49.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 338.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 342.50 293.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 396.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 293.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 293.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 293.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 293.60 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 231.5 663.6 m 285.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 663.6 m 289.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 663.6 m 338.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 663.6 m 396.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 396.5 663.6 m 400.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 663.6 m 450.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 663.6 m 508.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 663.6 m 512.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 663.6 m 562.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 231.5 651.6 m 285.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 663.6 m 338.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 289.5 651.6 m 338.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 342.5 651.6 m 396.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 663.6 m 450.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 400.5 651.6 m 450.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 454.5 651.6 m 508.5 651.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 663.6 m 562.5 663.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 651.6 m 562.5 651.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 489.55 699.68 Td (T) Tj ET Q q 0 0 0 rg BT 494.15 699.68 Td (oBe) Tj ET Q q 0 0 0 rg BT 510.89 699.68 Td (W) Tj ET Q q 0 0 0 rg BT 518.45 699.68 Td (ell) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 476.60 691.68 Td (CapitalizedUnder) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 678.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 258.00 678.32 Td () Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 313.50 678.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.15 679.68 Td (ForCapital) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.80 679.68 Td (PromptCorrective) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 666.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 273.15 667.68 Td (Actual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 362.30 667.68 Td (AdequacyPurposes) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 477.95 667.68 Td (ActionProvisions) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 654.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 243.95 655.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 304.15 655.68 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 354.95 655.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 415.65 655.68 Td (Ratio) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 466.95 655.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.65 655.68 Td (Ratio) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 642.17 Td (As of December31, 2016) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 640.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 640.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 640.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 640.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 640.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 640.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 628.17 Td (Total capital \(to risk-weighted assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 626.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 626.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 626.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 626.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 626.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 626.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 614.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 614.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 614.17 Td (1,878,106) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 614.17 Td (11.63) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 614.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 614.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.60 614.17 Td (1,292,159) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 614.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 614.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 614.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 614.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 600.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 600.17 Td (1,812,202) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 600.17 Td (11.26) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.60 600.17 Td (1,287,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 600.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.00 600.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 600.17 Td (1,608,874) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 600.17 Td (10.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 600.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 586.17 Td (Tier 1 capital \(to risk-weighted assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 584.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 584.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 584.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 584.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 584.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 584.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 572.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 572.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 572.17 Td (1,518,472) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 572.17 Td (9.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 572.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 572.17 Td (969,119) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 572.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 572.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 572.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 572.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 558.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 558.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 558.17 Td (10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 558.17 Td (965,324) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 558.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 558.17 Td (1,287,099) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 558.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 558.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 543.27 Td (Common equity tier 1 capital \(to risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 533.27 Td (weighted assets\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 519.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 519.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 519.17 Td (1,408,481) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 519.17 Td (8.72) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 519.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 519.17 Td (726,839) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 519.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 519.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 519.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 519.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 505.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 505.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 505.17 Td (10.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 505.17 Td (723,993) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 505.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 505.17 Td (1,045,768) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 505.17 Td (6.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 505.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 491.17 Td (Tier 1 capital \(to average assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 489.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 489.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 489.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 489.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 489.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 489.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 477.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 477.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 477.17 Td (1,518,472) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 477.17 Td (8.38) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 477.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 477.17 Td (724,519) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 477.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 477.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 477.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 477.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 463.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 463.17 Td (1,670,360) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 463.17 Td (9.25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 463.17 Td (721,954) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 463.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 463.17 Td (902,442) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 463.17 Td (5.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 463.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 449.17 Td (As of December31, 2015) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 447.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 447.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 447.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 447.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 447.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 447.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 435.17 Td (Total capital \(to risk-weighted assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 433.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 433.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 433.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 433.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 433.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 433.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 421.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.00 421.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 421.17 Td (1,635,548) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 421.17 Td (12.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 421.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 345.00 421.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.60 421.17 Td (1,043,025) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 421.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 421.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 421.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 421.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 407.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 407.17 Td (1,509,453) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 407.17 Td (11.62) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 352.60 407.17 Td (1,039,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 407.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.00 407.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 407.17 Td (1,298,911) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 407.17 Td (10.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 407.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 393.17 Td (Tier 1 capital \(to risk-weighted assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 391.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 379.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 379.17 Td (1,504,040) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 379.17 Td (11.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 379.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 379.17 Td (782,269) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 379.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 379.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 379.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 379.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 365.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 365.17 Td (1,377,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 365.17 Td (10.61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 365.17 Td (779,347) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 365.17 Td (6.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.60 365.17 Td (1,039,129) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 365.17 Td (8.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 365.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 350.27 Td (Common equity tier 1 capital \(to risk-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 340.27 Td (weighted assets\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 326.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 326.17 Td (1,208,938) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 326.17 Td (9.27) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 326.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 326.17 Td (586,702) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 326.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 326.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 326.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 326.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 312.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 312.17 Td (1,377,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 312.17 Td (10.61) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 312.17 Td (584,510) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 312.17 Td (4.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 312.17 Td (844,292) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 312.17 Td (6.50) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 312.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 298.17 Td (Tier 1 capital \(to average assets\):) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 282.00 296.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 335.00 296.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 393.00 296.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 447.00 296.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 505.00 296.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 296.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 284.17 Td (Consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 284.17 Td (1,504,040) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.15 284.17 Td (10.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 329.65 284.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 284.17 Td (578,398) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 284.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.65 284.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.30 284.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.30 284.17 Td (N/A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 270.17 Td (MB Financial Bank) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 241.60 270.17 Td (1,377,945) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.15 270.17 Td (9.54) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.15 270.17 Td (577,999) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.15 270.17 Td (4.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.15 270.17 Td (722,499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 270.17 Td (5.00) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 270.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 254.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 242.10 Td (N/A) Tj ET Q q 0 0 0 rg BT 66.67 242.10 Td ( not applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 218.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.98 218.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.29 218.10 Td (and ) Tj ET Q q 0 0 0 rg BT 126.16 218.10 Td (the ) Tj ET Q q 0 0 0 rg BT 140.81 218.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 164.34 218.10 Td (must ) Tj ET Q q 0 0 0 rg BT 186.22 218.10 Td (maintain ) Tj ET Q q 0 0 0 rg BT 223.64 218.10 Td (a ) Tj ET Q q 0 0 0 rg BT 230.51 218.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 259.59 218.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 313.11 218.10 Td (buf) Tj ET Q q 0 0 0 rg BT 326.26 218.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 339.79 218.10 Td (consisting ) Tj ET Q q 0 0 0 rg BT 382.77 218.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.53 218.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 435.95 218.10 Td (CET1 ) Tj ET Q q 0 0 0 rg BT 462.27 218.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 491.35 218.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 521.53 218.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 541.18 218.10 Td (2.5%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.10 Td (of ) Tj ET Q q 0 0 0 rg BT 61.02 206.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 118.70 206.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 144.72 206.10 Td (above ) Tj ET Q q 0 0 0 rg BT 171.28 206.10 Td (the ) Tj ET Q q 0 0 0 rg BT 186.19 206.10 Td (required ) Tj ET Q q 0 0 0 rg BT 222.20 206.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 263.78 206.10 Td (risk-based ) Tj ET Q q 0 0 0 rg BT 307.57 206.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 336.91 206.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 362.92 206.10 Td (in ) Tj ET Q q 0 0 0 rg BT 373.39 206.10 Td (order ) Tj ET Q q 0 0 0 rg BT 397.18 206.10 Td (to ) Tj ET Q q 0 0 0 rg BT 407.65 206.10 Td (avoid ) Tj ET Q q 0 0 0 rg BT 432.56 206.10 Td (limitations ) Tj ET Q q 0 0 0 rg BT 478.03 206.10 Td (on ) Tj ET Q q 0 0 0 rg BT 490.72 206.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 520.63 206.10 Td (dividends, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 194.10 Td (repurchasing ) Tj ET Q q 0 0 0 rg BT 104.74 194.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 135.33 194.10 Td (and ) Tj ET Q q 0 0 0 rg BT 152.86 194.10 Td (paying ) Tj ET Q q 0 0 0 rg BT 183.17 194.10 Td (discretionary ) Tj ET Q q 0 0 0 rg BT 238.47 194.10 Td (bonuses. ) Tj ET Q q 0 0 0 rg BT 278.57 194.10 Td (The ) Tj ET Q q 0 0 0 rg BT 297.21 194.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 326.95 194.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 381.14 194.10 Td (buf) Tj ET Q q 0 0 0 rg BT 394.29 194.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 408.49 194.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 459.89 194.10 Td (began ) Tj ET Q q 0 0 0 rg BT 486.87 194.10 Td (to ) Tj ET Q q 0 0 0 rg BT 497.74 194.10 Td (be ) Tj ET Q q 0 0 0 rg BT 510.27 194.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 541.14 194.10 Td (in ) Tj ET Q q 0 0 0 rg BT 552.01 194.10 Td (on ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 182.10 Td (January ) Tj ET Q q 0 0 0 rg BT 83.43 182.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 93.26 182.10 Td (2016 ) Tj ET Q q 0 0 0 rg BT 115.59 182.10 Td (when ) Tj ET Q q 0 0 0 rg BT 139.58 182.10 Td (a ) Tj ET Q q 0 0 0 rg BT 146.35 182.10 Td (buf) Tj ET Q q 0 0 0 rg BT 159.50 182.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 172.93 182.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 203.02 182.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 222.57 182.10 Td (0.625%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 253.40 182.10 Td ( ) Tj ET Q q 0 0 0 rg BT 255.73 182.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.39 182.10 Td (risk-weighted ) Tj ET Q q 0 0 0 rg BT 323.71 182.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 349.37 182.10 Td (was ) Tj ET Q q 0 0 0 rg BT 367.25 182.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 405.40 182.10 Td (which ) Tj ET Q q 0 0 0 rg BT 432.17 182.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 464.50 182.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 503.47 182.10 Td (each ) Tj ET Q q 0 0 0 rg BT 524.12 182.10 Td (year ) Tj ET Q q 0 0 0 rg BT 543.66 182.10 Td (until ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 170.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.49 170.10 Td (buf) Tj ET Q q 0 0 0 rg BT 77.64 170.10 Td (fer ) Tj ET Q q 0 0 0 rg BT 91.01 170.10 Td (requirement ) Tj ET Q q 0 0 0 rg BT 141.59 170.10 Td (is ) Tj ET Q q 0 0 0 rg BT 150.54 170.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 171.70 170.10 Td (implemented ) Tj ET Q q 0 0 0 rg BT 226.18 170.10 Td (on ) Tj ET Q q 0 0 0 rg BT 238.45 170.10 Td (January ) Tj ET Q q 0 0 0 rg BT 271.82 170.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 281.59 170.10 Td (2019. ) Tj ET Q q 0 0 0 rg BT 306.37 170.10 Td ( ) Tj ET Q q 0 0 0 rg BT 308.48 170.10 Td (The ) Tj ET Q q 0 0 0 rg BT 326.30 170.10 Td (conservation ) Tj ET Q q 0 0 0 rg BT 379.66 170.10 Td (buf) Tj ET Q q 0 0 0 rg BT 392.81 170.10 Td (fers ) Tj ET Q q 0 0 0 rg BT 410.08 170.10 Td (for ) Tj ET Q q 0 0 0 rg BT 424.01 170.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.50 170.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 479.66 170.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.37 170.10 Td (the ) Tj ET Q q 0 0 0 rg BT 510.86 170.10 Td (Bank ) Tj ET Q q 0 0 0 rg BT 534.24 170.10 Td (exceed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 158.10 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 158.10 Td (fully ) Tj ET Q q 0 0 0 rg BT 86.10 158.10 Td (phased ) Tj ET Q q 0 0 0 rg BT 116.37 158.10 Td (in ) Tj ET Q q 0 0 0 rg BT 126.65 158.10 Td (minimum ) Tj ET Q q 0 0 0 rg BT 168.04 158.10 Td (as ) Tj ET Q q 0 0 0 rg BT 178.87 158.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 189.70 158.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 248.29 158.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.29 158.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 146.10 Td () Tj ET Q endstream endobj 253 0 obj <> endobj 254 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (126) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 18. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 140.14 742.25 Td ( ) Tj ET Q q 0 0 0 rg BT 142.46 742.25 Td (V) Tj ET Q q 0 0 0 rg BT 148.77 742.25 Td (alue Measur) Tj ET Q q 0 0 0 rg BT 201.63 742.25 Td (ements) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 72.08 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 77.49 718.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 97.54 718.25 Td (820 ) Tj ET Q q 0 0 0 rg BT 115.38 718.25 Td (defines ) Tj ET Q q 0 0 0 rg BT 147.09 718.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 163.80 718.25 Td (value ) Tj ET Q q 0 0 0 rg BT 188.29 718.25 Td (as ) Tj ET Q q 0 0 0 rg BT 199.46 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.51 718.25 Td (price ) Tj ET Q q 0 0 0 rg BT 237.33 718.25 Td (that ) Tj ET Q q 0 0 0 rg BT 255.16 718.25 Td (would ) Tj ET Q q 0 0 0 rg BT 282.99 718.25 Td (be ) Tj ET Q q 0 0 0 rg BT 295.26 718.25 Td (received ) Tj ET Q q 0 0 0 rg BT 331.96 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 342.57 718.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 359.29 718.25 Td (an ) Tj ET Q q 0 0 0 rg BT 371.57 718.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 393.84 718.25 Td (or ) Tj ET Q q 0 0 0 rg BT 405.00 718.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 425.06 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 435.67 718.25 Td (transfer ) Tj ET Q q 0 0 0 rg BT 469.04 718.25 Td (a ) Tj ET Q q 0 0 0 rg BT 476.31 718.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 510.26 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 520.87 718.25 Td (an ) Tj ET Q q 0 0 0 rg BT 533.14 718.25 Td (orderly ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 96.73 706.25 Td (between ) Tj ET Q q 0 0 0 rg BT 132.89 706.25 Td (market ) Tj ET Q q 0 0 0 rg BT 163.51 706.25 Td (participants. ) Tj ET Q q 0 0 0 rg BT 215.51 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 217.74 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 224.41 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 227.26 706.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 243.99 706.25 Td (value ) Tj ET Q q 0 0 0 rg BT 268.50 706.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 324.66 706.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 360.84 706.25 Td (that ) Tj ET Q q 0 0 0 rg BT 378.69 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 393.76 706.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 440.49 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 451.12 706.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 467.86 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.93 706.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 505.22 706.25 Td (or ) Tj ET Q q 0 0 0 rg BT 516.40 706.25 Td (transfer ) Tj ET Q q 0 0 0 rg BT 549.79 706.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 84.06 694.25 Td (occurs ) Tj ET Q q 0 0 0 rg BT 113.11 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 123.84 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 139.01 694.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 177.51 694.25 Td (market ) Tj ET Q q 0 0 0 rg BT 208.23 694.25 Td (for ) Tj ET Q q 0 0 0 rg BT 222.84 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 238.01 694.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 260.40 694.25 Td (or ) Tj ET Q q 0 0 0 rg BT 271.68 694.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 305.75 694.25 Td (or) Tj ET Q q 0 0 0 rg BT 313.68 694.25 Td (, ) Tj ET Q q 0 0 0 rg BT 319.13 694.25 Td (in ) Tj ET Q q 0 0 0 rg BT 329.86 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.03 694.25 Td (absence ) Tj ET Q q 0 0 0 rg BT 379.63 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 390.91 694.25 Td (a ) Tj ET Q q 0 0 0 rg BT 398.30 694.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 436.80 694.25 Td (market, ) Tj ET Q q 0 0 0 rg BT 470.02 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 485.19 694.25 Td (most ) Tj ET Q q 0 0 0 rg BT 507.59 694.25 Td (advantageous ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (market ) Tj ET Q q 0 0 0 rg BT 80.57 682.25 Td (for ) Tj ET Q q 0 0 0 rg BT 95.03 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 110.05 682.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 132.29 682.25 Td (or ) Tj ET Q q 0 0 0 rg BT 143.42 682.25 Td (liability) Tj ET Q q 0 0 0 rg BT 173.88 682.25 Td (. ) Tj ET Q q 0 0 0 rg BT 179.18 682.25 Td ( ) Tj ET Q q 0 0 0 rg BT 181.78 682.25 Td (The ) Tj ET Q q 0 0 0 rg BT 200.13 682.25 Td (price ) Tj ET Q q 0 0 0 rg BT 222.91 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 233.49 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 248.51 682.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 286.86 682.25 Td (\(or ) Tj ET Q q 0 0 0 rg BT 301.32 682.25 Td (most ) Tj ET Q q 0 0 0 rg BT 323.57 682.25 Td (advantageous\) ) Tj ET Q q 0 0 0 rg BT 384.12 682.25 Td (market ) Tj ET Q q 0 0 0 rg BT 414.69 682.25 Td (used ) Tj ET Q q 0 0 0 rg BT 435.82 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.40 682.25 Td (measure ) Tj ET Q q 0 0 0 rg BT 482.52 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 497.54 682.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 514.22 682.25 Td (value ) Tj ET Q q 0 0 0 rg BT 538.67 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.80 682.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 72.15 670.25 Td (or ) Tj ET Q q 0 0 0 rg BT 83.19 670.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 117.00 670.25 Td (shall ) Tj ET Q q 0 0 0 rg BT 138.60 670.25 Td (not ) Tj ET Q q 0 0 0 rg BT 154.09 670.25 Td (be ) Tj ET Q q 0 0 0 rg BT 166.23 670.25 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 202.27 670.25 Td (for ) Tj ET Q q 0 0 0 rg BT 216.64 670.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 263.22 670.25 Td (costs. ) Tj ET Q q 0 0 0 rg BT 288.43 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 290.54 670.25 Td (An ) Tj ET Q q 0 0 0 rg BT 305.47 670.25 Td (orderly ) Tj ET Q q 0 0 0 rg BT 337.06 670.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 383.64 670.25 Td (is ) Tj ET Q q 0 0 0 rg BT 393.02 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 400.16 670.25 Td (transaction ) Tj ET Q q 0 0 0 rg BT 446.74 670.25 Td (that ) Tj ET Q q 0 0 0 rg BT 464.45 670.25 Td (assumes ) Tj ET Q q 0 0 0 rg BT 500.49 670.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 539.29 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 549.78 670.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (market ) Tj ET Q q 0 0 0 rg BT 80.32 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 94.53 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 101.52 658.25 Td (period ) Tj ET Q q 0 0 0 rg BT 129.62 658.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 151.62 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 161.95 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 176.72 658.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 232.58 658.25 Td (date ) Tj ET Q q 0 0 0 rg BT 251.79 658.25 Td (to ) Tj ET Q q 0 0 0 rg BT 262.12 658.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 286.89 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 301.11 658.25 Td (marketing ) Tj ET Q q 0 0 0 rg BT 344.20 658.25 Td (activities ) Tj ET Q q 0 0 0 rg BT 382.86 658.25 Td (that ) Tj ET Q q 0 0 0 rg BT 400.41 658.25 Td (are ) Tj ET Q q 0 0 0 rg BT 415.17 658.25 Td (usual ) Tj ET Q q 0 0 0 rg BT 438.83 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 455.82 658.25 Td (customary ) Tj ET Q q 0 0 0 rg BT 500.03 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 514.24 658.25 Td (transactions ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (involving ) Tj ET Q q 0 0 0 rg BT 90.17 646.25 Td (such ) Tj ET Q q 0 0 0 rg BT 110.34 646.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 135.50 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 151.78 646.25 Td (liabilities; ) Tj ET Q q 0 0 0 rg BT 193.61 646.25 Td (it ) Tj ET Q q 0 0 0 rg BT 201.00 646.25 Td (is ) Tj ET Q q 0 0 0 rg BT 209.51 646.25 Td (not ) Tj ET Q q 0 0 0 rg BT 224.12 646.25 Td (a ) Tj ET Q q 0 0 0 rg BT 230.40 646.25 Td (forced ) Tj ET Q q 0 0 0 rg BT 257.77 646.25 Td (transaction. ) Tj ET Q q 0 0 0 rg BT 305.98 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 307.81 646.25 Td (Market ) Tj ET Q q 0 0 0 rg BT 338.53 646.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 387.01 646.25 Td (are ) Tj ET Q q 0 0 0 rg BT 401.05 646.25 Td (buyers ) Tj ET Q q 0 0 0 rg BT 429.55 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 445.83 646.25 Td (sellers ) Tj ET Q q 0 0 0 rg BT 473.21 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 482.82 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 496.88 646.25 Td (principal ) Tj ET Q q 0 0 0 rg BT 534.25 646.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.50 634.25 Td (are ) Tj ET Q q 0 0 0 rg BT 82.20 634.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 94.14 634.25 Td (independent, ) Tj ET Q q 0 0 0 rg BT 148.01 634.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 162.73 634.25 Td (knowledgeable, ) Tj ET Q q 0 0 0 rg BT 228.26 634.25 Td (\(iii\) ) Tj ET Q q 0 0 0 rg BT 245.76 634.25 Td (able ) Tj ET Q q 0 0 0 rg BT 264.91 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 275.19 634.25 Td (transact ) Tj ET Q q 0 0 0 rg BT 308.78 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 325.72 634.25 Td (\(iv\) ) Tj ET Q q 0 0 0 rg BT 342.66 634.25 Td (willing ) Tj ET Q q 0 0 0 rg BT 373.50 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 383.77 634.25 Td (transact.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.87 610.25 Td (T) Tj ET Q q 0 0 0 rg BT 77.28 610.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 97.10 610.25 Td (820 ) Tj ET Q q 0 0 0 rg BT 114.70 610.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 149.51 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.33 610.25 Td (use ) Tj ET Q q 0 0 0 rg BT 180.26 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 191.19 610.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 231.01 610.25 Td (techniques ) Tj ET Q q 0 0 0 rg BT 276.37 610.25 Td (that ) Tj ET Q q 0 0 0 rg BT 293.97 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 308.78 610.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 351.38 610.25 Td (with ) Tj ET Q q 0 0 0 rg BT 371.76 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 386.58 610.25 Td (market ) Tj ET Q q 0 0 0 rg BT 416.95 610.25 Td (approach, ) Tj ET Q q 0 0 0 rg BT 458.69 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 473.51 610.25 Td (income ) Tj ET Q q 0 0 0 rg BT 505.55 610.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 544.80 610.25 Td (and/) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (or ) Tj ET Q q 0 0 0 rg BT 60.45 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 74.79 598.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 93.02 598.25 Td (approach. ) Tj ET Q q 0 0 0 rg BT 134.29 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 136.26 598.25 Td (The ) Tj ET Q q 0 0 0 rg BT 153.92 598.25 Td (market ) Tj ET Q q 0 0 0 rg BT 183.81 598.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 222.58 598.25 Td (uses ) Tj ET Q q 0 0 0 rg BT 241.92 598.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 267.92 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 284.48 598.25 Td (other ) Tj ET Q q 0 0 0 rg BT 307.15 598.25 Td (relevant ) Tj ET Q q 0 0 0 rg BT 341.47 598.25 Td (information ) Tj ET Q q 0 0 0 rg BT 390.80 598.25 Td (generated ) Tj ET Q q 0 0 0 rg BT 431.79 598.25 Td (by ) Tj ET Q q 0 0 0 rg BT 443.91 598.25 Td (market ) Tj ET Q q 0 0 0 rg BT 473.79 598.25 Td (transactions ) Tj ET Q q 0 0 0 rg BT 523.68 598.25 Td (involving ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (identical ) Tj ET Q q 0 0 0 rg BT 86.36 586.25 Td (or ) Tj ET Q q 0 0 0 rg BT 96.63 586.25 Td (comparable ) Tj ET Q q 0 0 0 rg BT 145.20 586.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 170.46 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 186.84 586.25 Td (liabilities. ) Tj ET Q q 0 0 0 rg BT 228.49 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.28 586.25 Td (The ) Tj ET Q q 0 0 0 rg BT 247.76 586.25 Td (income ) Tj ET Q q 0 0 0 rg BT 279.13 586.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 317.71 586.25 Td (uses ) Tj ET Q q 0 0 0 rg BT 336.86 586.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 376.01 586.25 Td (techniques ) Tj ET Q q 0 0 0 rg BT 420.71 586.25 Td (to ) Tj ET Q q 0 0 0 rg BT 430.42 586.25 Td (convert ) Tj ET Q q 0 0 0 rg BT 462.34 586.25 Td (expected ) Tj ET Q q 0 0 0 rg BT 499.80 586.25 Td (future ) Tj ET Q q 0 0 0 rg BT 525.61 586.25 Td (amounts, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.58 574.25 Td (as ) Tj ET Q q 0 0 0 rg BT 81.16 574.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 101.17 574.25 Td (flows ) Tj ET Q q 0 0 0 rg BT 125.64 574.25 Td (or ) Tj ET Q q 0 0 0 rg BT 136.22 574.25 Td (earnings, ) Tj ET Q q 0 0 0 rg BT 174.85 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 184.88 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 191.56 574.25 Td (single ) Tj ET Q q 0 0 0 rg BT 217.70 574.25 Td (present ) Tj ET Q q 0 0 0 rg BT 248.82 574.25 Td (value ) Tj ET Q q 0 0 0 rg BT 272.73 574.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 304.97 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 317.22 574.25 Td (a ) Tj ET Q q 0 0 0 rg BT 323.91 574.25 Td (discounted ) Tj ET Q q 0 0 0 rg BT 369.48 574.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 394.23 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 396.31 574.25 Td (The ) Tj ET Q q 0 0 0 rg BT 414.11 574.25 Td (cost ) Tj ET Q q 0 0 0 rg BT 432.47 574.25 Td (approach ) Tj ET Q q 0 0 0 rg BT 471.36 574.25 Td (is ) Tj ET Q q 0 0 0 rg BT 480.28 574.25 Td (based ) Tj ET Q q 0 0 0 rg BT 505.30 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 517.54 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.01 574.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (that ) Tj ET Q q 0 0 0 rg BT 67.86 562.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 106.81 562.25 Td (would ) Tj ET Q q 0 0 0 rg BT 134.67 562.25 Td (be ) Tj ET Q q 0 0 0 rg BT 146.97 562.25 Td (required ) Tj ET Q q 0 0 0 rg BT 183.15 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 193.79 562.25 Td (replace ) Tj ET Q q 0 0 0 rg BT 225.51 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 240.59 562.25 Td (service ) Tj ET Q q 0 0 0 rg BT 271.77 562.25 Td (capacity ) Tj ET Q q 0 0 0 rg BT 307.94 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 319.13 562.25 Td (an ) Tj ET Q q 0 0 0 rg BT 331.43 562.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 353.73 562.25 Td (\(replacement ) Tj ET Q q 0 0 0 rg BT 408.78 562.25 Td (cost\). ) Tj ET Q q 0 0 0 rg BT 433.58 562.25 Td ( ) Tj ET Q q 0 0 0 rg BT 436.23 562.25 Td (V) Tj ET Q q 0 0 0 rg BT 442.35 562.25 Td (aluation ) Tj ET Q q 0 0 0 rg BT 477.42 562.25 Td (techniques ) Tj ET Q q 0 0 0 rg BT 523.05 562.25 Td (should ) Tj ET Q q 0 0 0 rg BT 552.58 562.25 Td (be ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (consistently ) Tj ET Q q 0 0 0 rg BT 100.84 550.25 Td (applied. ) Tj ET Q q 0 0 0 rg BT 135.84 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 138.90 550.25 Td (Inputs ) Tj ET Q q 0 0 0 rg BT 166.97 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 177.81 550.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 218.09 550.25 Td (techniques ) Tj ET Q q 0 0 0 rg BT 263.92 550.25 Td (refer ) Tj ET Q q 0 0 0 rg BT 285.85 550.25 Td (to ) Tj ET Q q 0 0 0 rg BT 296.70 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 311.98 550.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 364.49 550.25 Td (that ) Tj ET Q q 0 0 0 rg BT 382.55 550.25 Td (market ) Tj ET Q q 0 0 0 rg BT 413.38 550.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 463.10 550.25 Td (would ) Tj ET Q q 0 0 0 rg BT 491.16 550.25 Td (use ) Tj ET Q q 0 0 0 rg BT 507.56 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.40 550.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 549.79 550.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 71.92 538.25 Td (or ) Tj ET Q q 0 0 0 rg BT 82.74 538.25 Td (liability) Tj ET Q q 0 0 0 rg BT 113.20 538.25 Td (. ) Tj ET Q q 0 0 0 rg BT 118.18 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 120.67 538.25 Td (Inputs ) Tj ET Q q 0 0 0 rg BT 148.15 538.25 Td (may ) Tj ET Q q 0 0 0 rg BT 167.86 538.25 Td (be ) Tj ET Q q 0 0 0 rg BT 179.78 538.25 Td (observable, ) Tj ET Q q 0 0 0 rg BT 228.08 538.25 Td (meaning ) Tj ET Q q 0 0 0 rg BT 265.00 538.25 Td (those ) Tj ET Q q 0 0 0 rg BT 288.59 538.25 Td (that ) Tj ET Q q 0 0 0 rg BT 306.07 538.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 334.09 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 348.79 538.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 400.73 538.25 Td (market ) Tj ET Q q 0 0 0 rg BT 430.98 538.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 480.11 538.25 Td (would ) Tj ET Q q 0 0 0 rg BT 507.60 538.25 Td (use ) Tj ET Q q 0 0 0 rg BT 523.41 538.25 Td (in ) Tj ET Q q 0 0 0 rg BT 533.68 538.25 Td (pricing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 65.32 526.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 87.86 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 99.29 526.25 Td (liability ) Tj ET Q q 0 0 0 rg BT 133.50 526.25 Td (developed ) Tj ET Q q 0 0 0 rg BT 177.69 526.25 Td (based ) Tj ET Q q 0 0 0 rg BT 203.56 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 216.66 526.25 Td (market ) Tj ET Q q 0 0 0 rg BT 247.52 526.25 Td (data ) Tj ET Q q 0 0 0 rg BT 267.28 526.25 Td (obtained ) Tj ET Q q 0 0 0 rg BT 304.81 526.25 Td (from ) Tj ET Q q 0 0 0 rg BT 327.35 526.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 379.33 526.25 Td (sources, ) Tj ET Q q 0 0 0 rg BT 414.92 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 426.35 526.25 Td (unobservable, ) Tj ET Q q 0 0 0 rg BT 485.26 526.25 Td (meaning ) Tj ET Q q 0 0 0 rg BT 522.80 526.25 Td (those ) Tj ET Q q 0 0 0 rg BT 547.01 526.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 77.68 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 92.04 514.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 130.85 514.25 Td (entity's ) Tj ET Q q 0 0 0 rg BT 161.46 514.25 Td (own ) Tj ET Q q 0 0 0 rg BT 180.83 514.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 232.43 514.25 Td (about ) Tj ET Q q 0 0 0 rg BT 256.79 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.15 514.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 322.75 514.25 Td (market ) Tj ET Q q 0 0 0 rg BT 352.66 514.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 401.46 514.25 Td (would ) Tj ET Q q 0 0 0 rg BT 428.61 514.25 Td (use ) Tj ET Q q 0 0 0 rg BT 444.08 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 454.01 514.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 484.48 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 498.85 514.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 520.43 514.25 Td (or ) Tj ET Q q 0 0 0 rg BT 530.91 514.25 Td (liability ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (developed ) Tj ET Q q 0 0 0 rg BT 93.92 502.25 Td (based ) Tj ET Q q 0 0 0 rg BT 119.51 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 132.33 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 147.37 502.25 Td (best ) Tj ET Q q 0 0 0 rg BT 166.31 502.25 Td (information ) Tj ET Q q 0 0 0 rg BT 216.34 502.25 Td (available ) Tj ET Q q 0 0 0 rg BT 255.25 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 265.86 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 280.90 502.25 Td (circumstances. ) Tj ET Q q 0 0 0 rg BT 342.86 502.25 Td ( ) Tj ET Q q 0 0 0 rg BT 345.69 502.25 Td (In ) Tj ET Q q 0 0 0 rg BT 356.84 502.25 Td (that ) Tj ET Q q 0 0 0 rg BT 374.66 502.25 Td (regard, ) Tj ET Q q 0 0 0 rg BT 404.90 502.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 426.97 502.25 Td (T) Tj ET Q q 0 0 0 rg BT 432.38 502.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 452.42 502.25 Td (820 ) Tj ET Q q 0 0 0 rg BT 470.24 502.25 Td (establishes ) Tj ET Q q 0 0 0 rg BT 516.39 502.25 Td (a ) Tj ET Q q 0 0 0 rg BT 523.65 502.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 502.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 89.86 490.25 Td (for ) Tj ET Q q 0 0 0 rg BT 103.63 490.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 142.95 490.25 Td (inputs ) Tj ET Q q 0 0 0 rg BT 169.50 490.25 Td (that ) Tj ET Q q 0 0 0 rg BT 186.60 490.25 Td (gives ) Tj ET Q q 0 0 0 rg BT 209.82 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 224.14 490.25 Td (highest ) Tj ET Q q 0 0 0 rg BT 255.14 490.25 Td (priority ) Tj ET Q q 0 0 0 rg BT 287.24 490.25 Td (to ) Tj ET Q q 0 0 0 rg BT 297.12 490.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 326.45 490.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 352.43 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 362.32 490.25 Td (active ) Tj ET Q q 0 0 0 rg BT 388.30 490.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 422.06 490.25 Td (for ) Tj ET Q q 0 0 0 rg BT 435.83 490.25 Td (identical ) Tj ET Q q 0 0 0 rg BT 472.36 490.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 497.80 490.25 Td (or ) Tj ET Q q 0 0 0 rg BT 508.23 490.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 547.56 490.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 478.25 Td (lowest ) Tj ET Q q 0 0 0 rg BT 93.33 478.25 Td (priority ) Tj ET Q q 0 0 0 rg BT 125.82 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 136.10 478.25 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 191.91 478.25 Td (inputs. ) Tj ET Q q 0 0 0 rg BT 221.36 478.25 Td ( ) Tj ET Q q 0 0 0 rg BT 223.68 478.25 Td (The ) Tj ET Q q 0 0 0 rg BT 241.73 478.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 258.11 478.25 Td (value ) Tj ET Q q 0 0 0 rg BT 282.26 478.25 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 322.51 478.25 Td (is ) Tj ET Q q 0 0 0 rg BT 331.68 478.25 Td (as ) Tj ET Q q 0 0 0 rg BT 342.51 478.25 Td (follows:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 75.36 454.25 Td (1: ) Tj ET Q q 0 0 0 rg BT 85.74 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 88.34 454.25 Td (Quoted ) Tj ET Q q 0 0 0 rg BT 120.38 454.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 146.85 454.25 Td (\(unadjusted\) ) Tj ET Q q 0 0 0 rg BT 199.44 454.25 Td (for ) Tj ET Q q 0 0 0 rg BT 213.70 454.25 Td (identical ) Tj ET Q q 0 0 0 rg BT 250.72 454.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 276.65 454.25 Td (or ) Tj ET Q q 0 0 0 rg BT 287.58 454.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 327.40 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 337.78 454.25 Td (active ) Tj ET Q q 0 0 0 rg BT 364.25 454.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 398.50 454.25 Td (that ) Tj ET Q q 0 0 0 rg BT 416.10 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 430.91 454.25 Td (entity ) Tj ET Q q 0 0 0 rg BT 456.28 454.25 Td (has ) Tj ET Q q 0 0 0 rg BT 472.21 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.03 454.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 515.18 454.25 Td (to ) Tj ET Q q 0 0 0 rg BT 525.56 454.25 Td (access ) Tj ET Q q 0 0 0 rg BT 553.69 454.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 442.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 442.25 Td (measurement ) Tj ET Q q 0 0 0 rg BT 131.36 442.25 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 74.85 418.25 Td (2: ) Tj ET Q q 0 0 0 rg BT 84.71 418.25 Td ( ) Tj ET Q q 0 0 0 rg BT 86.80 418.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 132.77 418.25 Td (other ) Tj ET Q q 0 0 0 rg BT 155.40 418.25 Td (observable ) Tj ET Q q 0 0 0 rg BT 200.80 418.25 Td (inputs ) Tj ET Q q 0 0 0 rg BT 227.34 418.25 Td (other ) Tj ET Q q 0 0 0 rg BT 249.97 418.25 Td (than ) Tj ET Q q 0 0 0 rg BT 269.28 418.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 294.13 418.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 301.21 418.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 327.18 418.25 Td (such ) Tj ET Q q 0 0 0 rg BT 347.59 418.25 Td (as ) Tj ET Q q 0 0 0 rg BT 358.01 418.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 387.31 418.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 413.28 418.25 Td (for ) Tj ET Q q 0 0 0 rg BT 427.02 418.25 Td (similar ) Tj ET Q q 0 0 0 rg BT 456.88 418.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 482.30 418.25 Td (or ) Tj ET Q q 0 0 0 rg BT 492.71 418.25 Td (liabilities; ) Tj ET Q q 0 0 0 rg BT 534.80 418.25 Td (quoted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 76.38 406.25 Td (in ) Tj ET Q q 0 0 0 rg BT 86.66 406.25 Td (markets ) Tj ET Q q 0 0 0 rg BT 120.81 406.25 Td (that ) Tj ET Q q 0 0 0 rg BT 138.31 406.25 Td (are ) Tj ET Q q 0 0 0 rg BT 153.01 406.25 Td (not ) Tj ET Q q 0 0 0 rg BT 168.29 406.25 Td (active; ) Tj ET Q q 0 0 0 rg BT 197.44 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 208.27 406.25 Td (other ) Tj ET Q q 0 0 0 rg BT 231.32 406.25 Td (inputs ) Tj ET Q q 0 0 0 rg BT 258.27 406.25 Td (that ) Tj ET Q q 0 0 0 rg BT 275.76 406.25 Td (are ) Tj ET Q q 0 0 0 rg BT 290.47 406.25 Td (observable ) Tj ET Q q 0 0 0 rg BT 336.28 406.25 Td (or ) Tj ET Q q 0 0 0 rg BT 347.11 406.25 Td (can ) Tj ET Q q 0 0 0 rg BT 363.49 406.25 Td (be ) Tj ET Q q 0 0 0 rg BT 375.43 406.25 Td (corroborated ) Tj ET Q q 0 0 0 rg BT 429.01 406.25 Td (by ) Tj ET Q q 0 0 0 rg BT 441.51 406.25 Td (observable ) Tj ET Q q 0 0 0 rg BT 487.33 406.25 Td (market ) Tj ET Q q 0 0 0 rg BT 517.59 406.25 Td (data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 76.08 382.25 Td (3: ) Tj ET Q q 0 0 0 rg BT 87.18 382.25 Td ( ) Tj ET Q q 0 0 0 rg BT 90.50 382.25 Td (Significant ) Tj ET Q q 0 0 0 rg BT 137.70 382.25 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 194.34 382.25 Td (inputs ) Tj ET Q q 0 0 0 rg BT 222.10 382.25 Td (that ) Tj ET Q q 0 0 0 rg BT 240.42 382.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 269.27 382.25 Td (a ) Tj ET Q q 0 0 0 rg BT 277.03 382.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 317.00 382.25 Td (entity's ) Tj ET Q q 0 0 0 rg BT 348.79 382.25 Td (own ) Tj ET Q q 0 0 0 rg BT 369.33 382.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 422.10 382.25 Td (about ) Tj ET Q q 0 0 0 rg BT 447.63 382.25 Td (the ) Tj ET Q q 0 0 0 rg BT 463.17 382.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 515.94 382.25 Td (that ) Tj ET Q q 0 0 0 rg BT 534.25 382.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (participants ) Tj ET Q q 0 0 0 rg BT 99.15 370.25 Td (would ) Tj ET Q q 0 0 0 rg BT 126.65 370.25 Td (use ) Tj ET Q q 0 0 0 rg BT 142.48 370.25 Td (in ) Tj ET Q q 0 0 0 rg BT 152.76 370.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 183.58 370.25 Td (an ) Tj ET Q q 0 0 0 rg BT 195.52 370.25 Td (asset ) Tj ET Q q 0 0 0 rg BT 217.46 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 228.29 370.25 Td (liability) Tj ET Q q 0 0 0 rg BT 258.75 370.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (A) Tj ET Q q 0 0 0 rg BT 56.67 346.25 Td ( ) Tj ET Q q 0 0 0 rg BT 59.17 346.25 Td (description ) Tj ET Q q 0 0 0 rg BT 106.10 346.25 Td (of ) Tj ET Q q 0 0 0 rg BT 116.92 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 131.64 346.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 171.35 346.25 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 232.72 346.25 Td (used ) Tj ET Q q 0 0 0 rg BT 253.55 346.25 Td (for ) Tj ET Q q 0 0 0 rg BT 267.71 346.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 316.87 346.25 Td (measured ) Tj ET Q q 0 0 0 rg BT 357.68 346.25 Td (at ) Tj ET Q q 0 0 0 rg BT 367.39 346.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 383.77 346.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 410.42 346.25 Td (as ) Tj ET Q q 0 0 0 rg BT 421.25 346.25 Td (well ) Tj ET Q q 0 0 0 rg BT 440.96 346.25 Td (as ) Tj ET Q q 0 0 0 rg BT 451.79 346.25 Td (the ) Tj ET Q q 0 0 0 rg BT 466.50 346.25 Td (general ) Tj ET Q q 0 0 0 rg BT 498.42 346.25 Td (classification ) Tj ET Q q 0 0 0 rg BT 553.68 346.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (such ) Tj ET Q q 0 0 0 rg BT 70.83 334.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 120.00 334.25 Td (pursuant ) Tj ET Q q 0 0 0 rg BT 156.93 334.25 Td (to ) Tj ET Q q 0 0 0 rg BT 167.21 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 181.93 334.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 221.64 334.25 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 258.75 334.25 Td (, ) Tj ET Q q 0 0 0 rg BT 263.75 334.25 Td (is ) Tj ET Q q 0 0 0 rg BT 272.92 334.25 Td (set ) Tj ET Q q 0 0 0 rg BT 286.52 334.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 308.46 334.25 Td (below) Tj ET Q q 0 0 0 rg BT 332.25 334.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (In ) Tj ET Q q 0 0 0 rg BT 61.24 310.25 Td (general, ) Tj ET Q q 0 0 0 rg BT 96.07 310.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 112.86 310.25 Td (value ) Tj ET Q q 0 0 0 rg BT 137.43 310.25 Td (is ) Tj ET Q q 0 0 0 rg BT 147.01 310.25 Td (based ) Tj ET Q q 0 0 0 rg BT 172.69 310.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 195.60 310.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 225.72 310.25 Td (market ) Tj ET Q q 0 0 0 rg BT 256.40 310.25 Td (prices, ) Tj ET Q q 0 0 0 rg BT 285.68 310.25 Td (where ) Tj ET Q q 0 0 0 rg BT 313.02 310.25 Td (available. ) Tj ET Q q 0 0 0 rg BT 354.52 310.25 Td ( ) Tj ET Q q 0 0 0 rg BT 357.43 310.25 Td (If ) Tj ET Q q 0 0 0 rg BT 367.00 310.25 Td (such ) Tj ET Q q 0 0 0 rg BT 388.24 310.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 418.37 310.25 Td (market ) Tj ET Q q 0 0 0 rg BT 449.04 310.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 475.83 310.25 Td (are ) Tj ET Q q 0 0 0 rg BT 490.95 310.25 Td (not ) Tj ET Q q 0 0 0 rg BT 506.64 310.25 Td (available, ) Tj ET Q q 0 0 0 rg BT 548.13 310.25 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 298.25 Td (value ) Tj ET Q q 0 0 0 rg BT 74.63 298.25 Td (is ) Tj ET Q q 0 0 0 rg BT 84.28 298.25 Td (based ) Tj ET Q q 0 0 0 rg BT 110.03 298.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 133.00 298.25 Td (internally ) Tj ET Q q 0 0 0 rg BT 174.30 298.25 Td (developed ) Tj ET Q q 0 0 0 rg BT 218.37 298.25 Td (models ) Tj ET Q q 0 0 0 rg BT 250.24 298.25 Td (that ) Tj ET Q q 0 0 0 rg BT 268.21 298.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 308.40 298.25 Td (use, ) Tj ET Q q 0 0 0 rg BT 327.21 298.25 Td (as ) Tj ET Q q 0 0 0 rg BT 338.51 298.25 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 368.44 298.25 Td (observable ) Tj ET Q q 0 0 0 rg BT 414.73 298.25 Td (market-based ) Tj ET Q q 0 0 0 rg BT 471.57 298.25 Td (parameters. ) Tj ET Q q 0 0 0 rg BT 520.91 298.25 Td ( ) Tj ET Q q 0 0 0 rg BT 523.68 298.25 Td (V) Tj ET Q q 0 0 0 rg BT 529.79 298.25 Td (aluation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 99.93 286.25 Td (may ) Tj ET Q q 0 0 0 rg BT 119.30 286.25 Td (be ) Tj ET Q q 0 0 0 rg BT 130.89 286.25 Td (made ) Tj ET Q q 0 0 0 rg BT 154.70 286.25 Td (to ) Tj ET Q q 0 0 0 rg BT 164.64 286.25 Td (ensure ) Tj ET Q q 0 0 0 rg BT 192.89 286.25 Td (that ) Tj ET Q q 0 0 0 rg BT 210.04 286.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 247.17 286.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 295.99 286.25 Td (are ) Tj ET Q q 0 0 0 rg BT 310.36 286.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 347.49 286.25 Td (at ) Tj ET Q q 0 0 0 rg BT 356.86 286.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 372.89 286.25 Td (value. ) Tj ET Q q 0 0 0 rg BT 399.20 286.25 Td ( ) Tj ET Q q 0 0 0 rg BT 401.20 286.25 Td (These ) Tj ET Q q 0 0 0 rg BT 427.23 286.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 477.16 286.25 Td (may ) Tj ET Q q 0 0 0 rg BT 496.53 286.25 Td (include ) Tj ET Q q 0 0 0 rg BT 528.12 286.25 Td (amounts ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.59 274.25 Td (reflect ) Tj ET Q q 0 0 0 rg BT 88.93 274.25 Td (counterparty ) Tj ET Q q 0 0 0 rg BT 142.27 274.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 167.84 274.25 Td (quality) Tj ET Q q 0 0 0 rg BT 194.96 274.25 Td (, ) Tj ET Q q 0 0 0 rg BT 200.27 274.25 Td (the ) Tj ET Q q 0 0 0 rg BT 215.29 274.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 262.68 274.25 Td (creditworthiness, ) Tj ET Q q 0 0 0 rg BT 334.08 274.25 Td (among ) Tj ET Q q 0 0 0 rg BT 364.11 274.25 Td (other ) Tj ET Q q 0 0 0 rg BT 387.46 274.25 Td (things, ) Tj ET Q q 0 0 0 rg BT 417.22 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 428.35 274.25 Td (well ) Tj ET Q q 0 0 0 rg BT 448.38 274.25 Td (as ) Tj ET Q q 0 0 0 rg BT 459.52 274.25 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 515.64 274.25 Td (parameters. ) Tj ET Q q 0 0 0 rg BT 564.50 274.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Any ) Tj ET Q q 0 0 0 rg BT 70.93 262.25 Td (such ) Tj ET Q q 0 0 0 rg BT 92.96 262.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 133.88 262.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 185.36 262.25 Td (are ) Tj ET Q q 0 0 0 rg BT 201.27 262.25 Td (applied ) Tj ET Q q 0 0 0 rg BT 234.41 262.25 Td (consistently ) Tj ET Q q 0 0 0 rg BT 285.89 262.25 Td (over ) Tj ET Q q 0 0 0 rg BT 307.36 262.25 Td (time. ) Tj ET Q q 0 0 0 rg BT 331.34 262.25 Td ( ) Tj ET Q q 0 0 0 rg BT 335.04 262.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 354.30 262.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 395.22 262.25 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 457.80 262.25 Td (may ) Tj ET Q q 0 0 0 rg BT 478.73 262.25 Td (produce ) Tj ET Q q 0 0 0 rg BT 514.64 262.25 Td (a ) Tj ET Q q 0 0 0 rg BT 522.78 262.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 262.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 250.25 Td (calculation ) Tj ET Q q 0 0 0 rg BT 96.50 250.25 Td (that ) Tj ET Q q 0 0 0 rg BT 114.13 250.25 Td (may ) Tj ET Q q 0 0 0 rg BT 133.99 250.25 Td (not ) Tj ET Q q 0 0 0 rg BT 149.40 250.25 Td (be ) Tj ET Q q 0 0 0 rg BT 161.47 250.25 Td (indicative ) Tj ET Q q 0 0 0 rg BT 203.54 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.50 250.25 Td (net ) Tj ET Q q 0 0 0 rg BT 229.36 250.25 Td (realizable ) Tj ET Q q 0 0 0 rg BT 270.85 250.25 Td (value ) Tj ET Q q 0 0 0 rg BT 295.14 250.25 Td (or ) Tj ET Q q 0 0 0 rg BT 306.11 250.25 Td (reflective ) Tj ET Q q 0 0 0 rg BT 346.49 250.25 Td (of ) Tj ET Q q 0 0 0 rg BT 357.46 250.25 Td (future ) Tj ET Q q 0 0 0 rg BT 383.97 250.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 400.48 250.25 Td (values. ) Tj ET Q q 0 0 0 rg BT 431.17 250.25 Td ( ) Tj ET Q q 0 0 0 rg BT 433.61 250.25 Td (While ) Tj ET Q q 0 0 0 rg BT 460.68 250.25 Td (management ) Tj ET Q q 0 0 0 rg BT 514.40 250.25 Td (believes ) Tj ET Q q 0 0 0 rg BT 549.80 250.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 238.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 99.99 238.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 142.62 238.25 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 206.92 238.25 Td (are ) Tj ET Q q 0 0 0 rg BT 224.54 238.25 Td (appropriate ) Tj ET Q q 0 0 0 rg BT 275.48 238.25 Td (and ) Tj ET Q q 0 0 0 rg BT 295.34 238.25 Td (consistent ) Tj ET Q q 0 0 0 rg BT 340.75 238.25 Td (with ) Tj ET Q q 0 0 0 rg BT 363.94 238.25 Td (other ) Tj ET Q q 0 0 0 rg BT 389.90 238.25 Td (market ) Tj ET Q q 0 0 0 rg BT 423.08 238.25 Td (participants, ) Tj ET Q q 0 0 0 rg BT 477.64 238.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.27 238.25 Td (use ) Tj ET Q q 0 0 0 rg BT 514.02 238.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.76 238.25 Td (dif) Tj ET Q q 0 0 0 rg BT 538.69 238.25 Td (ferent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.25 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 111.67 226.25 Td (or ) Tj ET Q q 0 0 0 rg BT 122.78 226.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 175.01 226.25 Td (to ) Tj ET Q q 0 0 0 rg BT 185.58 226.25 Td (determine ) Tj ET Q q 0 0 0 rg BT 228.34 226.25 Td (the ) Tj ET Q q 0 0 0 rg BT 243.34 226.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 260.01 226.25 Td (value ) Tj ET Q q 0 0 0 rg BT 284.45 226.25 Td (of ) Tj ET Q q 0 0 0 rg BT 295.56 226.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 325.55 226.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 363.31 226.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 412.76 226.25 Td (could ) Tj ET Q q 0 0 0 rg BT 437.76 226.25 Td (result ) Tj ET Q q 0 0 0 rg BT 462.76 226.25 Td (in ) Tj ET Q q 0 0 0 rg BT 473.33 226.25 Td (a ) Tj ET Q q 0 0 0 rg BT 480.55 226.25 Td (dif) Tj ET Q q 0 0 0 rg BT 491.48 226.25 Td (ferent ) Tj ET Q q 0 0 0 rg BT 517.58 226.25 Td (estimate ) Tj ET Q q 0 0 0 rg BT 553.68 226.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.16 214.25 Td (value ) Tj ET Q q 0 0 0 rg BT 90.10 214.25 Td (at ) Tj ET Q q 0 0 0 rg BT 99.60 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 114.10 214.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 153.03 214.25 Td (date. ) Tj ET Q q 0 0 0 rg BT 174.47 214.25 Td ( ) Tj ET Q q 0 0 0 rg BT 176.59 214.25 Td (T) Tj ET Q q 0 0 0 rg BT 182.35 214.25 Td (ransfers ) Tj ET Q q 0 0 0 rg BT 216.28 214.25 Td (between ) Tj ET Q q 0 0 0 rg BT 251.88 214.25 Td (levels ) Tj ET Q q 0 0 0 rg BT 277.49 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 288.10 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 302.60 214.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 318.76 214.25 Td (value ) Tj ET Q q 0 0 0 rg BT 342.70 214.25 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 382.73 214.25 Td (are ) Tj ET Q q 0 0 0 rg BT 397.22 214.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 443.37 214.25 Td (on ) Tj ET Q q 0 0 0 rg BT 455.65 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 470.15 214.25 Td (actual ) Tj ET Q q 0 0 0 rg BT 496.30 214.25 Td (date ) Tj ET Q q 0 0 0 rg BT 515.24 214.25 Td (of ) Tj ET Q q 0 0 0 rg BT 525.86 214.25 Td (the ) Tj ET Q q 0 0 0 rg BT 540.35 214.25 Td (event ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.25 Td (or ) Tj ET Q q 0 0 0 rg BT 61.92 202.25 Td (circumstances ) Tj ET Q q 0 0 0 rg BT 122.15 202.25 Td (that ) Tj ET Q q 0 0 0 rg BT 140.73 202.25 Td (caused ) Tj ET Q q 0 0 0 rg BT 171.52 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.33 202.25 Td (transfer) Tj ET Q q 0 0 0 rg BT 217.47 202.25 Td (, ) Tj ET Q q 0 0 0 rg BT 223.55 202.25 Td (which ) Tj ET Q q 0 0 0 rg BT 251.58 202.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 292.37 202.25 Td (coincides ) Tj ET Q q 0 0 0 rg BT 333.72 202.25 Td (with ) Tj ET Q q 0 0 0 rg BT 355.09 202.25 Td (the ) Tj ET Q q 0 0 0 rg BT 370.89 202.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 419.06 202.25 Td (monthly ) Tj ET Q q 0 0 0 rg BT 455.98 202.25 Td (and/or ) Tj ET Q q 0 0 0 rg BT 485.12 202.25 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 524.80 202.25 Td (valuation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.25 Td (process.) 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 50 164.68505859375 m 337.8759765625 164.68505859375 l s q 0 0 0 rg BT 50.00 166.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.50 166.25 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 147.23 166.25 Td (Recorded ) Tj ET Q q 0 0 0 rg BT 190.83 166.25 Td (at ) Tj ET Q q 0 0 0 rg BT 201.66 166.25 Td (Fair) Tj ET Q q 0 0 0 rg BT 219.80 166.25 Td ( ) Tj ET Q q 0 0 0 rg BT 222.12 166.25 Td (V) Tj ET Q q 0 0 0 rg BT 228.43 166.25 Td (alue ) Tj ET Q q 0 0 0 rg BT 248.71 166.25 Td (on ) Tj ET Q q 0 0 0 rg BT 261.77 166.25 Td (a ) Tj ET Q q 0 0 0 rg BT 269.27 166.25 Td (Recurring ) Tj ET Q q 0 0 0 rg BT 315.64 166.25 Td (Basis) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 142.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 92.93 142.25 Td (A) Tj ET Q q 0 0 0 rg BT 98.86 142.25 Td (vailable ) Tj ET Q q 0 0 0 rg BT 133.86 142.25 Td (for ) Tj ET Q q 0 0 0 rg BT 148.87 142.25 Td (Sale) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 166.65 142.25 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.15 142.25 Td ( ) Tj ET Q q 0 0 0 rg BT 171.73 142.25 Td (The ) Tj ET Q q 0 0 0 rg BT 190.07 142.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 206.73 142.25 Td (values ) Tj ET Q q 0 0 0 rg BT 235.07 142.25 Td (of ) Tj ET Q q 0 0 0 rg BT 246.19 142.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 286.74 142.25 Td (available ) Tj ET Q q 0 0 0 rg BT 325.61 142.25 Td (for ) Tj ET Q q 0 0 0 rg BT 340.06 142.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 358.40 142.25 Td (are ) Tj ET Q q 0 0 0 rg BT 373.39 142.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 421.16 142.25 Td (by ) Tj ET Q q 0 0 0 rg BT 433.95 142.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 463.95 142.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 490.62 142.25 Td (in ) Tj ET Q q 0 0 0 rg BT 501.19 142.25 Td (active ) Tj ET Q q 0 0 0 rg BT 527.85 142.25 Td (markets, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.25 Td (when ) Tj ET Q q 0 0 0 rg BT 73.45 130.25 Td (available, ) Tj ET Q q 0 0 0 rg BT 113.82 130.25 Td (and ) Tj ET Q q 0 0 0 rg BT 130.05 130.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 169.60 130.25 Td (as ) Tj ET Q q 0 0 0 rg BT 179.72 130.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 204.27 130.25 Td (1. ) Tj ET Q q 0 0 0 rg BT 213.55 130.25 Td ( ) Tj ET Q q 0 0 0 rg BT 215.34 130.25 Td (If ) Tj ET Q q 0 0 0 rg BT 223.79 130.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 252.79 130.25 Td (market ) Tj ET Q q 0 0 0 rg BT 282.34 130.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 308.01 130.25 Td (are ) Tj ET Q q 0 0 0 rg BT 322.00 130.25 Td (not ) Tj ET Q q 0 0 0 rg BT 336.57 130.25 Td (available, ) Tj ET Q q 0 0 0 rg BT 376.94 130.25 Td (the ) Tj ET Q q 0 0 0 rg BT 390.95 130.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 406.61 130.25 Td (value ) Tj ET Q q 0 0 0 rg BT 430.05 130.25 Td (is ) Tj ET Q q 0 0 0 rg BT 438.51 130.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 485.28 130.25 Td (by ) Tj ET Q q 0 0 0 rg BT 497.07 130.25 Td (a ) Tj ET Q q 0 0 0 rg BT 503.29 130.25 Td (matrix ) Tj ET Q q 0 0 0 rg BT 531.18 130.25 Td (pricing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 118.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.31 118.25 Td (is ) Tj ET Q q 0 0 0 rg BT 84.84 118.25 Td (a ) Tj ET Q q 0 0 0 rg BT 91.15 118.25 Td (mathematical ) Tj ET Q q 0 0 0 rg BT 146.88 118.25 Td (technique ) Tj ET Q q 0 0 0 rg BT 187.61 118.25 Td (widely ) Tj ET Q q 0 0 0 rg BT 216.70 118.25 Td (used ) Tj ET Q q 0 0 0 rg BT 236.90 118.25 Td (in ) Tj ET Q q 0 0 0 rg BT 246.54 118.25 Td (the ) Tj ET Q q 0 0 0 rg BT 260.62 118.25 Td (industry ) Tj ET Q q 0 0 0 rg BT 295.27 118.25 Td (to ) Tj ET Q q 0 0 0 rg BT 304.91 118.25 Td (value ) Tj ET Q q 0 0 0 rg BT 328.44 118.25 Td (debt ) Tj ET Q q 0 0 0 rg BT 347.52 118.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 387.15 118.25 Td (without ) Tj ET Q q 0 0 0 rg BT 419.57 118.25 Td (relying ) Tj ET Q q 0 0 0 rg BT 449.76 118.25 Td (exclusively ) Tj ET Q q 0 0 0 rg BT 497.17 118.25 Td (on ) Tj ET Q q 0 0 0 rg BT 509.04 118.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 538.12 118.25 Td (prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.25 Td (for ) Tj ET Q q 0 0 0 rg BT 64.21 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 78.98 106.25 Td (specific ) Tj ET Q q 0 0 0 rg BT 112.62 106.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 152.94 106.25 Td (but ) Tj ET Q q 0 0 0 rg BT 168.27 106.25 Td (rather ) Tj ET Q q 0 0 0 rg BT 194.14 106.25 Td (by ) Tj ET Q q 0 0 0 rg BT 206.69 106.25 Td (relying ) Tj ET Q q 0 0 0 rg BT 237.56 106.25 Td (on ) Tj ET Q q 0 0 0 rg BT 250.11 106.25 Td (the ) Tj ET Q q 0 0 0 rg BT 264.88 106.25 Td (securities' ) Tj ET Q q 0 0 0 rg BT 307.00 106.25 Td (relationship ) Tj ET Q q 0 0 0 rg BT 356.76 106.25 Td (to ) Tj ET Q q 0 0 0 rg BT 367.09 106.25 Td (other ) Tj ET Q q 0 0 0 rg BT 390.19 106.25 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 437.17 106.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 466.93 106.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 507.25 106.25 Td (and ) Tj ET Q q 0 0 0 rg BT 524.24 106.25 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.25 Td (as ) Tj ET Q q 0 0 0 rg BT 61.37 94.25 Td (Level ) Tj ET Q q 0 0 0 rg BT 87.17 94.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 97.71 94.25 Td ( ) Tj ET Q q 0 0 0 rg BT 100.75 94.25 Td (In ) Tj ET Q q 0 0 0 rg BT 112.12 94.25 Td (cases ) Tj ET Q q 0 0 0 rg BT 136.26 94.25 Td (where ) Tj ET Q q 0 0 0 rg BT 163.73 94.25 Td (significant ) Tj ET Q q 0 0 0 rg BT 208.98 94.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 234.78 94.25 Td (valuation ) Tj ET Q q 0 0 0 rg BT 275.03 94.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 325.85 94.25 Td (are ) Tj ET Q q 0 0 0 rg BT 341.09 94.25 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 394.67 94.25 Td (into ) Tj ET Q q 0 0 0 rg BT 413.26 94.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.52 94.25 Td (estimation ) Tj ET Q q 0 0 0 rg BT 473.22 94.25 Td (of ) Tj ET Q q 0 0 0 rg BT 484.59 94.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 501.50 94.25 Td (value, ) Tj ET Q q 0 0 0 rg BT 528.70 94.25 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.25 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.39 82.25 Td (are ) Tj ET Q q 0 0 0 rg BT 101.09 82.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 141.36 82.25 Td (as ) Tj ET Q q 0 0 0 rg BT 152.19 82.25 Td (Level3.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 58.25 Td (Loans ) Tj ET Q q 0 0 0 rg BT 77.64 58.25 Td (Held ) Tj ET Q q 0 0 0 rg BT 99.72 58.25 Td (for ) Tj ET Q q 0 0 0 rg BT 114.03 58.25 Td (Sale. ) Tj ET Q q 0 0 0 rg BT 136.39 58.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 138.47 58.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 179.43 58.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 202.62 58.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 245.24 58.25 Td (and ) Tj ET Q q 0 0 0 rg BT 261.77 58.25 Td (held ) Tj ET Q q 0 0 0 rg BT 281.06 58.25 Td (for ) Tj ET Q q 0 0 0 rg BT 294.81 58.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 312.44 58.25 Td (in ) Tj ET Q q 0 0 0 rg BT 322.30 58.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.60 58.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 379.22 58.25 Td (market ) Tj ET Q q 0 0 0 rg BT 409.06 58.25 Td (are ) Tj ET Q q 0 0 0 rg BT 423.35 58.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 453.19 58.25 Td (at ) Tj ET Q q 0 0 0 rg BT 462.49 58.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 478.45 58.25 Td (value.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 502.60 58.25 Td ( ) Tj ET Q q 0 0 0 rg BT 504.69 58.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 506.77 58.25 Td (The ) Tj ET Q q 0 0 0 rg BT 524.40 58.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.36 58.25 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 46.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 46.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 84.44 46.25 Td (held ) Tj ET Q q 0 0 0 rg BT 104.16 46.25 Td (for ) Tj ET Q q 0 0 0 rg BT 118.32 46.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 136.36 46.25 Td (is ) Tj ET Q q 0 0 0 rg BT 145.53 46.25 Td (determined ) Tj ET Q q 0 0 0 rg BT 193.01 46.25 Td (using ) Tj ET Q q 0 0 0 rg BT 217.18 46.25 Td (quoted ) Tj ET Q q 0 0 0 rg BT 246.90 46.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 289.94 46.25 Td (market ) Tj ET Q q 0 0 0 rg BT 320.20 46.25 Td (prices ) Tj ET Q q 0 0 0 rg BT 346.58 46.25 Td (and ) Tj ET Q q 0 0 0 rg BT 363.52 46.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 403.78 46.25 Td (as ) Tj ET Q q 0 0 0 rg BT 414.61 46.25 Td (level ) Tj ET Q q 0 0 0 rg BT 436.54 46.25 Td (2. ) Tj ET Q q 0 0 0 rg BT 446.54 46.25 Td ( ) Tj ET Q endstream endobj 255 0 obj <> endobj 256 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (127) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (Loans.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.06 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 80.38 730.10 Td (The Company has elected to record certain mortgage loans at fair value. ) Tj ET Q q 0 0 0 rg BT 370.91 730.10 Td (The fair value of these loans is determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (using quoted secondary market prices and classified as Level 2.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 689.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 92.63 689.10 Td (Servicing ) Tj ET Q q 0 0 0 rg BT 134.14 689.10 Td (Rights.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.32 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 165.95 689.10 Td ( ) Tj ET Q q 0 0 0 rg BT 168.39 689.10 Td (The ) Tj ET Q q 0 0 0 rg BT 186.57 689.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 228.08 689.10 Td (has ) Tj ET Q q 0 0 0 rg BT 244.04 689.10 Td (elected ) Tj ET Q q 0 0 0 rg BT 274.98 689.10 Td (to ) Tj ET Q q 0 0 0 rg BT 285.38 689.10 Td (record ) Tj ET Q q 0 0 0 rg BT 313.55 689.10 Td (its ) Tj ET Q q 0 0 0 rg BT 325.63 689.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 366.02 689.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 405.30 689.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 430.71 689.10 Td (at ) Tj ET Q q 0 0 0 rg BT 440.55 689.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 457.06 689.10 Td (value. ) Tj ET Q q 0 0 0 rg BT 483.84 689.10 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 525.35 689.10 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 677.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 75.79 677.10 Td (do ) Tj ET Q q 0 0 0 rg BT 88.79 677.10 Td (not ) Tj ET Q q 0 0 0 rg BT 104.58 677.10 Td (trade ) Tj ET Q q 0 0 0 rg BT 127.57 677.10 Td (in ) Tj ET Q q 0 0 0 rg BT 138.36 677.10 Td (an ) Tj ET Q q 0 0 0 rg BT 150.81 677.10 Td (active ) Tj ET Q q 0 0 0 rg BT 177.69 677.10 Td (market ) Tj ET Q q 0 0 0 rg BT 208.46 677.10 Td (with ) Tj ET Q q 0 0 0 rg BT 229.24 677.10 Td (readily ) Tj ET Q q 0 0 0 rg BT 260.01 677.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 306.34 677.10 Td (prices. ) Tj ET Q q 0 0 0 rg BT 335.72 677.10 Td ( ) Tj ET Q q 0 0 0 rg BT 338.07 677.10 Td (Accordingly) Tj ET Q q 0 0 0 rg BT 387.40 677.10 Td (, ) Tj ET Q q 0 0 0 rg BT 392.91 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.13 677.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 450.03 677.10 Td (determines ) Tj ET Q q 0 0 0 rg BT 496.91 677.10 Td (the ) Tj ET Q q 0 0 0 rg BT 512.13 677.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 529.02 677.10 Td (value ) Tj ET Q q 0 0 0 rg BT 553.68 677.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 665.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 90.03 665.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 128.95 665.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 153.99 665.10 Td (by ) Tj ET Q q 0 0 0 rg BT 166.25 665.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 210.17 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 224.65 665.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 240.79 665.10 Td (value ) Tj ET Q q 0 0 0 rg BT 264.71 665.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.31 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 289.79 665.10 Td (future ) Tj ET Q q 0 0 0 rg BT 315.93 665.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 335.96 665.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 360.44 665.10 Td (associated ) Tj ET Q q 0 0 0 rg BT 403.80 665.10 Td (with ) Tj ET Q q 0 0 0 rg BT 423.84 665.10 Td (the ) Tj ET Q q 0 0 0 rg BT 438.32 665.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 478.35 665.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 501.72 665.10 Td (being ) Tj ET Q q 0 0 0 rg BT 526.20 665.10 Td (serviced. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 653.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 68.26 653.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 108.74 653.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 159.79 653.10 Td (used ) Tj ET Q q 0 0 0 rg BT 179.73 653.10 Td (in ) Tj ET Q q 0 0 0 rg BT 189.11 653.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 232.37 653.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.19 653.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 261.67 653.10 Td (value ) Tj ET Q q 0 0 0 rg BT 284.93 653.10 Td (of ) Tj ET Q q 0 0 0 rg BT 294.86 653.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 334.23 653.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 372.49 653.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 396.87 653.10 Td (include, ) Tj ET Q q 0 0 0 rg BT 430.41 653.10 Td (but ) Tj ET Q q 0 0 0 rg BT 444.79 653.10 Td (are ) Tj ET Q q 0 0 0 rg BT 458.60 653.10 Td (not ) Tj ET Q q 0 0 0 rg BT 472.99 653.10 Td (limited ) Tj ET Q q 0 0 0 rg BT 502.92 653.10 Td (to, ) Tj ET Q q 0 0 0 rg BT 514.80 653.10 Td (prepayment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 641.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 81.45 641.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 117.63 641.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 141.30 641.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 198.57 641.10 Td (and ) Tj ET Q q 0 0 0 rg BT 215.30 641.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 233.70 641.10 Td (to ) Tj ET Q q 0 0 0 rg BT 243.77 641.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 276.71 641.10 Td (The ) Tj ET Q q 0 0 0 rg BT 294.55 641.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 346.29 641.10 Td (used ) Tj ET Q q 0 0 0 rg BT 366.91 641.10 Td (in ) Tj ET Q q 0 0 0 rg BT 376.98 641.10 Td (the ) Tj ET Q q 0 0 0 rg BT 391.49 641.10 Td (model ) Tj ET Q q 0 0 0 rg BT 418.78 641.10 Td (are ) Tj ET Q q 0 0 0 rg BT 433.27 641.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 472.22 641.10 Td (on ) Tj ET Q q 0 0 0 rg BT 484.51 641.10 Td (a ) Tj ET Q q 0 0 0 rg BT 491.24 641.10 Td (regular ) Tj ET Q q 0 0 0 rg BT 521.84 641.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 546.47 641.10 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 629.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.11 629.10 Td (value ) Tj ET Q q 0 0 0 rg BT 90.00 629.10 Td (is ) Tj ET Q q 0 0 0 rg BT 98.91 629.10 Td (validated ) Tj ET Q q 0 0 0 rg BT 137.79 629.10 Td (on ) Tj ET Q q 0 0 0 rg BT 150.03 629.10 Td (a ) Tj ET Q q 0 0 0 rg BT 156.70 629.10 Td (quarterly ) Tj ET Q q 0 0 0 rg BT 195.03 629.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 217.27 629.10 Td (with ) Tj ET Q q 0 0 0 rg BT 237.28 629.10 Td (an ) Tj ET Q q 0 0 0 rg BT 248.96 629.10 Td (independent ) Tj ET Q q 0 0 0 rg BT 300.06 629.10 Td (third ) Tj ET Q q 0 0 0 rg BT 321.18 629.10 Td (party) Tj ET Q q 0 0 0 rg BT 341.08 629.10 Td (. ) Tj ET Q q 0 0 0 rg BT 345.82 629.10 Td ( ) Tj ET Q q 0 0 0 rg BT 347.56 629.10 Td (Any ) Tj ET Q q 0 0 0 rg BT 367.02 629.10 Td (discrepancies ) Tj ET Q q 0 0 0 rg BT 423.11 629.10 Td (between ) Tj ET Q q 0 0 0 rg BT 458.66 629.10 Td (the ) Tj ET Q q 0 0 0 rg BT 473.12 629.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 505.89 629.10 Td (model ) Tj ET Q q 0 0 0 rg BT 533.12 629.10 Td (and ) Tj ET Q q 0 0 0 rg BT 549.80 629.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 617.10 Td (third ) Tj ET Q q 0 0 0 rg BT 71.13 617.10 Td (party ) Tj ET Q q 0 0 0 rg BT 93.93 617.10 Td (validation ) Tj ET Q q 0 0 0 rg BT 136.17 617.10 Td (are ) Tj ET Q q 0 0 0 rg BT 150.62 617.10 Td (investigated ) Tj ET Q q 0 0 0 rg BT 201.19 617.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.88 617.10 Td (resolved ) Tj ET Q q 0 0 0 rg BT 254.00 617.10 Td (by ) Tj ET Q q 0 0 0 rg BT 266.25 617.10 Td (an ) Tj ET Q q 0 0 0 rg BT 277.93 617.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 310.72 617.10 Td (committee. ) Tj ET Q q 0 0 0 rg BT 357.68 617.10 Td ( ) Tj ET Q q 0 0 0 rg BT 359.92 617.10 Td (Due ) Tj ET Q q 0 0 0 rg BT 378.83 617.10 Td (to ) Tj ET Q q 0 0 0 rg BT 388.86 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 403.32 617.10 Td (nature ) Tj ET Q q 0 0 0 rg BT 430.56 617.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.13 617.10 Td (the ) Tj ET Q q 0 0 0 rg BT 455.60 617.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 495.06 617.10 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 524.25 617.10 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 605.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 89.16 605.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 114.43 605.10 Td (are ) Tj ET Q q 0 0 0 rg BT 129.14 605.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 169.40 605.10 Td (in ) Tj ET Q q 0 0 0 rg BT 179.68 605.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 204.95 605.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 212.45 605.10 Td (of ) Tj ET Q q 0 0 0 rg BT 223.28 605.10 Td (the ) Tj ET Q q 0 0 0 rg BT 237.99 605.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 254.37 605.10 Td (value ) Tj ET Q q 0 0 0 rg BT 278.53 605.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 315.63 605.10 Td (.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 576.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 78.13 576.10 Td (Held ) Tj ET Q q 0 0 0 rg BT 100.69 576.10 Td (in ) Tj ET Q q 0 0 0 rg BT 111.60 576.10 Td (T) Tj ET Q q 0 0 0 rg BT 117.34 576.10 Td (rust ) Tj ET Q q 0 0 0 rg BT 136.03 576.10 Td (for ) Tj ET Q q 0 0 0 rg BT 150.82 576.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 190.03 576.10 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 252.06 576.10 Td (and ) Tj ET Q q 0 0 0 rg BT 269.81 576.10 Td (Associated ) Tj ET Q q 0 0 0 rg BT 316.26 576.10 Td (Liabilities.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 359.87 576.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 362.44 576.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 391.12 576.10 Td (held ) Tj ET Q q 0 0 0 rg BT 410.90 576.10 Td (in ) Tj ET Q q 0 0 0 rg BT 421.25 576.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 441.59 576.10 Td (for ) Tj ET Q q 0 0 0 rg BT 455.82 576.10 Td (deferred ) Tj ET Q q 0 0 0 rg BT 491.69 576.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 549.80 576.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 564.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 86.87 564.10 Td (at ) Tj ET Q q 0 0 0 rg BT 95.97 564.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 111.74 564.10 Td (value ) Tj ET Q q 0 0 0 rg BT 135.28 564.10 Td (and ) Tj ET Q q 0 0 0 rg BT 151.61 564.10 Td (included ) Tj ET Q q 0 0 0 rg BT 187.93 564.10 Td (in ) Tj ET Q q 0 0 0 rg BT 197.60 564.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 226.28 564.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 258.72 564.10 Td (on ) Tj ET Q q 0 0 0 rg BT 270.61 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 284.72 564.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 337.15 564.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 369.57 564.10 Td (sheets. ) Tj ET Q q 0 0 0 rg BT 398.40 564.10 Td ( ) Tj ET Q q 0 0 0 rg BT 400.15 564.10 Td (These ) Tj ET Q q 0 0 0 rg BT 425.92 564.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 451.14 564.10 Td (are ) Tj ET Q q 0 0 0 rg BT 465.24 564.10 Td (invested ) Tj ET Q q 0 0 0 rg BT 500.45 564.10 Td (in ) Tj ET Q q 0 0 0 rg BT 510.12 564.10 Td (mutual ) Tj ET Q q 0 0 0 rg BT 539.78 564.10 Td (funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.34 552.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 106.01 552.10 Td (as ) Tj ET Q q 0 0 0 rg BT 116.25 552.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 140.92 552.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 150.32 552.10 Td ( ) Tj ET Q q 0 0 0 rg BT 152.23 552.10 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 189.66 552.10 Td (compensation ) Tj ET Q q 0 0 0 rg BT 247.11 552.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 288.73 552.10 Td (also ) Tj ET Q q 0 0 0 rg BT 306.75 552.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 346.42 552.10 Td (as ) Tj ET Q q 0 0 0 rg BT 356.65 552.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 381.32 552.10 Td (1, ) Tj ET Q q 0 0 0 rg BT 390.73 552.10 Td (are ) Tj ET Q q 0 0 0 rg BT 404.84 552.10 Td (carried ) Tj ET Q q 0 0 0 rg BT 434.50 552.10 Td (at ) Tj ET Q q 0 0 0 rg BT 443.62 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.75 552.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 473.53 552.10 Td (value ) Tj ET Q q 0 0 0 rg BT 497.09 552.10 Td (of ) Tj ET Q q 0 0 0 rg BT 507.33 552.10 Td (the ) Tj ET Q q 0 0 0 rg BT 521.45 552.10 Td (obligation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 540.10 Td (employee, ) Tj ET Q q 0 0 0 rg BT 118.87 540.10 Td (which ) Tj ET Q q 0 0 0 rg BT 145.81 540.10 Td (corresponds ) Tj ET Q q 0 0 0 rg BT 196.63 540.10 Td (to ) Tj ET Q q 0 0 0 rg BT 206.90 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 221.62 540.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 238.00 540.10 Td (value ) Tj ET Q q 0 0 0 rg BT 262.15 540.10 Td (of ) Tj ET Q q 0 0 0 rg BT 272.98 540.10 Td (the ) Tj ET Q q 0 0 0 rg BT 287.70 540.10 Td (invested ) Tj ET Q q 0 0 0 rg BT 323.53 540.10 Td (assets.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 516.10 Td (Derivatives) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 96.09 516.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.59 516.10 Td ( ) Tj ET Q q 0 0 0 rg BT 100.28 516.10 Td ( ) Tj ET Q q 0 0 0 rg BT 101.97 516.10 Td (Currently) Tj ET Q q 0 0 0 rg BT 139.64 516.10 Td (, ) Tj ET Q q 0 0 0 rg BT 143.83 516.10 Td (we ) Tj ET Q q 0 0 0 rg BT 157.18 516.10 Td (use ) Tj ET Q q 0 0 0 rg BT 172.19 516.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 203.32 516.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 219.99 516.10 Td (swaps ) Tj ET Q q 0 0 0 rg BT 246.12 516.10 Td (to ) Tj ET Q q 0 0 0 rg BT 255.58 516.10 Td (manage ) Tj ET Q q 0 0 0 rg BT 288.36 516.10 Td (our ) Tj ET Q q 0 0 0 rg BT 303.38 516.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 334.50 516.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 351.17 516.10 Td (risk. ) Tj ET Q q 0 0 0 rg BT 370.36 516.10 Td ( ) Tj ET Q q 0 0 0 rg BT 371.93 516.10 Td (The ) Tj ET Q q 0 0 0 rg BT 389.16 516.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 428.06 516.10 Td (of ) Tj ET Q q 0 0 0 rg BT 438.08 516.10 Td (these ) Tj ET Q q 0 0 0 rg BT 460.31 516.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 508.66 516.10 Td (is ) Tj ET Q q 0 0 0 rg BT 517.02 516.10 Td (determined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 504.10 Td (using ) Tj ET Q q 0 0 0 rg BT 73.69 504.10 Td (widely ) Tj ET Q q 0 0 0 rg BT 102.93 504.10 Td (accepted ) Tj ET Q q 0 0 0 rg BT 139.93 504.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 179.16 504.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 223.95 504.10 Td (including ) Tj ET Q q 0 0 0 rg BT 263.74 504.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 309.09 504.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 328.88 504.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 349.24 504.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 383.48 504.10 Td (on ) Tj ET Q q 0 0 0 rg BT 395.50 504.10 Td (the ) Tj ET Q q 0 0 0 rg BT 409.74 504.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 447.29 504.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 467.09 504.10 Td (flows ) Tj ET Q q 0 0 0 rg BT 491.33 504.10 Td (of ) Tj ET Q q 0 0 0 rg BT 501.68 504.10 Td (each ) Tj ET Q q 0 0 0 rg BT 522.02 504.10 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 492.10 Td (and ) Tj ET Q q 0 0 0 rg BT 66.60 492.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 106.53 492.10 Td (as ) Tj ET Q q 0 0 0 rg BT 117.03 492.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 141.96 492.10 Td (2. ) Tj ET Q q 0 0 0 rg BT 151.62 492.10 Td ( ) Tj ET Q q 0 0 0 rg BT 153.63 492.10 Td (This ) Tj ET Q q 0 0 0 rg BT 173.58 492.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 207.96 492.10 Td (reflects ) Tj ET Q q 0 0 0 rg BT 239.55 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 253.93 492.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 300.52 492.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 324.90 492.10 Td (of ) Tj ET Q q 0 0 0 rg BT 335.39 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 349.78 492.10 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 398.31 492.10 Td (including ) Tj ET Q q 0 0 0 rg BT 438.25 492.10 Td (the ) Tj ET Q q 0 0 0 rg BT 452.63 492.10 Td (period ) Tj ET Q q 0 0 0 rg BT 480.35 492.10 Td (to ) Tj ET Q q 0 0 0 rg BT 490.29 492.10 Td (maturity) Tj ET Q q 0 0 0 rg BT 523.52 492.10 Td (, ) Tj ET Q q 0 0 0 rg BT 528.19 492.10 Td (and ) Tj ET Q q 0 0 0 rg BT 544.79 492.10 Td (uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 480.10 Td (observable ) Tj ET Q q 0 0 0 rg BT 95.51 480.10 Td (market-based ) Tj ET Q q 0 0 0 rg BT 151.56 480.10 Td (inputs, ) Tj ET Q q 0 0 0 rg BT 180.70 480.10 Td (including ) Tj ET Q q 0 0 0 rg BT 220.67 480.10 Td (LIBOR ) Tj ET Q q 0 0 0 rg BT 252.86 480.10 Td (rate ) Tj ET Q q 0 0 0 rg BT 270.04 480.10 Td (curves. ) Tj ET Q q 0 0 0 rg BT 300.83 480.10 Td ( ) Tj ET Q q 0 0 0 rg BT 302.86 480.10 Td (The ) Tj ET Q q 0 0 0 rg BT 320.60 480.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 361.68 480.10 Td (also ) Tj ET Q q 0 0 0 rg BT 379.98 480.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 411.06 480.10 Td (dealer ) Tj ET Q q 0 0 0 rg BT 437.68 480.10 Td (quotations ) Tj ET Q q 0 0 0 rg BT 481.54 480.10 Td (for ) Tj ET Q q 0 0 0 rg BT 495.39 480.10 Td (these ) Tj ET Q q 0 0 0 rg BT 518.13 480.10 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 468.10 Td (for ) Tj ET Q q 0 0 0 rg BT 62.98 468.10 Td (comparative ) Tj ET Q q 0 0 0 rg BT 113.72 468.10 Td (purposes ) Tj ET Q q 0 0 0 rg BT 150.60 468.10 Td (to ) Tj ET Q q 0 0 0 rg BT 159.70 468.10 Td (assess ) Tj ET Q q 0 0 0 rg BT 185.46 468.10 Td (the ) Tj ET Q q 0 0 0 rg BT 199.00 468.10 Td (reasonableness ) Tj ET Q q 0 0 0 rg BT 260.30 468.10 Td (of ) Tj ET Q q 0 0 0 rg BT 269.95 468.10 Td (the ) Tj ET Q q 0 0 0 rg BT 283.49 468.10 Td (model ) Tj ET Q q 0 0 0 rg BT 309.81 468.10 Td (valuations. ) Tj ET Q q 0 0 0 rg BT 354.74 468.10 Td ( ) Tj ET Q q 0 0 0 rg BT 356.06 468.10 Td (In ) Tj ET Q q 0 0 0 rg BT 365.71 468.10 Td (addition, ) Tj ET Q q 0 0 0 rg BT 402.31 468.10 Td (the ) Tj ET Q q 0 0 0 rg BT 415.84 468.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 456.05 468.10 Td (uses ) Tj ET Q q 0 0 0 rg BT 474.60 468.10 Td (forward ) Tj ET Q q 0 0 0 rg BT 507.57 468.10 Td (commitments ) 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 60.95 456.10 Td (buy ) Tj ET Q q 0 0 0 rg BT 79.12 456.10 Td (to-be-announced ) Tj ET Q q 0 0 0 rg BT 149.48 456.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 190.42 456.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 231.35 456.10 Td (for ) Tj ET Q q 0 0 0 rg BT 246.19 456.10 Td (which ) Tj ET Q q 0 0 0 rg BT 273.80 456.10 Td (we ) Tj ET Q q 0 0 0 rg BT 288.63 456.10 Td (do ) Tj ET Q q 0 0 0 rg BT 301.80 456.10 Td (not ) Tj ET Q q 0 0 0 rg BT 317.75 456.10 Td (intend ) Tj ET Q q 0 0 0 rg BT 345.92 456.10 Td (to ) Tj ET Q q 0 0 0 rg BT 356.87 456.10 Td (take ) Tj ET Q q 0 0 0 rg BT 376.69 456.10 Td (delivery ) Tj ET Q q 0 0 0 rg BT 412.63 456.10 Td (of ) Tj ET Q q 0 0 0 rg BT 424.13 456.10 Td (the ) Tj ET Q q 0 0 0 rg BT 439.52 456.10 Td (security ) Tj ET Q q 0 0 0 rg BT 474.34 456.10 Td (and ) Tj ET Q q 0 0 0 rg BT 491.95 456.10 Td (will ) Tj ET Q q 0 0 0 rg BT 510.68 456.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 533.84 456.10 Td (into ) Tj ET Q q 0 0 0 rg BT 552.57 456.10 Td (an 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0.9333333333333333 1 rg /GS0 gs 328.50 408.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 408.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 408.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 408.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 380.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 380.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 380.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 380.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 380.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 380.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 380.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 380.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 380.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 352.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 352.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 352.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 352.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 352.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 352.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 352.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 352.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 352.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 324.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 324.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 324.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 324.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 324.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 324.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 324.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 324.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 324.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 296.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 296.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 296.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 296.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 296.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 296.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 296.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 296.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 296.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 268.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 268.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 268.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 268.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 268.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 268.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 268.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 268.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 268.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 240.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 240.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 240.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 240.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 240.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 240.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 240.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 240.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 240.60 78.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 212.60 216.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 212.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 270.50 212.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 324.50 212.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 328.50 212.60 75.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 212.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 407.50 212.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 212.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 212.60 78.00 -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 270.5 659.6 m 324.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 328.5 659.6 m 403.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 407.5 659.6 m 480.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 659.6 m 562.5 659.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 664.05 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 288.25 663.83 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 337.05 687.68 Td (QuotedPricesin) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 333.10 679.68 Td (ActiveMarketsfor) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 338.90 671.68 Td (Identical) Tj ET Q q 0 0 0 rg BT 370.68 671.68 Td (Assets) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 350.50 663.68 Td (\(Level1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 413.90 679.83 Td (SignificantOther) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.80 671.83 Td (ObservableInputs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 428.50 663.83 Td (\(Level2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 504.55 679.83 Td (Significant) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 487.30 671.83 Td (UnobservableInputs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 508.00 663.83 Td (\(Level3\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 651.00 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 650.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 650.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 650.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 650.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 637.06 Td (Financial assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 637.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 637.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 637.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 637.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 623.06 Td (Securities available for sale:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 623.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 623.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 623.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 623.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 609.06 Td (U.S. Government sponsored agencies and enterprises) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 609.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 609.06 Td (23,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 609.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 609.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 609.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 609.06 Td (23,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 609.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 609.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 595.06 Td (States and political subdivisions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 595.06 Td (391,365) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 595.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 595.06 Td (390,992) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 595.06 Td (373) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 581.06 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 581.06 Td (983,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 581.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 581.06 Td (983,513) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 581.06 Td (171) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 567.06 Td (Commercial mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 567.06 Td (93,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 567.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 567.06 Td (93,008) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 567.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 553.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 553.06 Td (193,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 553.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 553.06 Td (193,895) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 553.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 539.06 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 539.06 Td (10,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 539.06 Td (10,828) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 539.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 539.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 525.06 Td (Loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 525.06 Td (716,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 525.06 Td (716,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 525.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 511.06 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 511.06 Td (16,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 511.06 Td (16,273) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 511.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 497.06 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 497.06 Td (238,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 497.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 497.06 Td (238,011) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 483.06 Td (Assets held in trust for deferred compensation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 483.06 Td (18,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 483.06 Td (18,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 483.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 483.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 469.06 Td (Derivative financial instruments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 469.06 Td (44,586) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 469.06 Td (7,687) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 469.06 Td (33,739) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 469.06 Td (3,160) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 455.06 Td (Financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 455.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 455.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 455.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 455.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 441.06 Td (Other liabilities ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.49 445.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 441.06 Td (18,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 441.06 Td (18,723) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 441.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 441.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 427.06 Td (Derivative financial instruments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 427.06 Td (63,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 427.06 Td (2,046) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 427.06 Td (61,839) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 427.06 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 59.00 413.05 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 413.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 413.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 413.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 413.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 399.06 Td (Financial assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 399.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 399.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 399.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 399.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 385.06 Td (Securities available for sale:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 385.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 385.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 385.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 385.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 371.06 Td (U.S. Government sponsored agencies and enterprises) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 273.00 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 371.06 Td (64,611) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.00 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 371.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 410.00 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 371.06 Td (64,611) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 371.06 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 371.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 357.06 Td (States and political subdivisions) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 357.06 Td (396,367) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 357.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 357.06 Td (395,950) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 357.06 Td (417) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 343.06 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 343.06 Td (763,549) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 343.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 343.06 Td (763,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 545.50 343.06 Td (356) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 329.06 Td (Commercial mortgage-backed securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 329.06 Td (130,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 329.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 329.06 Td (130,107) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 329.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 315.06 Td (Corporate bonds) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 315.06 Td (219,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 315.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 315.06 Td (219,628) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 315.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 301.06 Td (Equity securities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 301.06 Td (10,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 301.06 Td (10,761) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 301.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 301.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 287.06 Td ( Loans held for sale) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 287.06 Td (744,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 287.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 447.75 287.06 Td (744,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 287.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 273.06 Td (Loans) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 273.06 Td (25,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 273.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 273.06 Td (25,869) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 273.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 259.06 Td (Mortgage servicing rights) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 291.75 259.06 Td (168,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.00 259.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 259.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 529.75 259.06 Td (168,162) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 245.06 Td (Assets held in trust for deferred compensation) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 245.06 Td (16,820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 245.06 Td (16,820) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 245.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 245.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 231.06 Td (Derivative financial instruments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 231.06 Td (42,846) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 231.06 Td (5,118) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 231.06 Td (33,906) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 231.06 Td (3,822) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 217.06 Td (Financial liabilities) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 400.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 477.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 217.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 203.06 Td (Other liabilities ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 117.49 207.14 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 203.06 Td (16,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.25 203.06 Td (16,333) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 468.00 203.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 203.06 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 189.06 Td (Derivative financial instruments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 296.25 189.06 Td (36,974) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 379.75 189.06 Td (6,050) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 452.25 189.06 Td (30,924) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 189.06 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.00 Tf ET q 0 0 0 rg BT 50.00 177.90 Td () Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 50.00 170.43 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 57.58 165.90 Td (Liabilities associated with assets held in trust for deferred compensation) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 153.90 Td () Tj ET Q endstream endobj 259 0 obj <> endobj 260 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (129) Tj ET Q 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 67.63 742.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.61 742.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.13 742.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 164.99 742.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 207.06 742.10 Td (information ) Tj ET Q q 0 0 0 rg BT 256.36 742.10 Td (about ) Tj ET Q q 0 0 0 rg BT 280.67 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.97 742.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 350.37 742.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 376.91 742.10 Td (used ) Tj ET Q q 0 0 0 rg BT 397.33 742.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.19 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.50 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 437.46 742.10 Td (value ) Tj ET Q q 0 0 0 rg BT 461.20 742.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 516.60 742.10 Td (of ) 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 (assets ) Tj ET Q q 0 0 0 rg BT 75.55 730.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 116.09 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.31 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 134.97 730.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 173.84 730.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 196.06 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 213.28 730.10 Td (were ) Tj ET Q q 0 0 0 rg BT 234.93 730.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 283.23 730.10 Td (within ) Tj ET Q q 0 0 0 rg BT 311.01 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 325.44 730.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 350.43 730.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 357.65 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 368.20 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.64 730.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 398.74 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 422.62 730.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 462.59 730.10 Td (\(fair ) Tj ET Q q 0 0 0 rg BT 482.02 730.10 Td (value ) Tj ET Q q 0 0 0 rg BT 505.90 730.10 Td (in ) Tj ET Q q 0 0 0 rg BT 515.90 730.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 663.60 157.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 663.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 663.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 663.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 663.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 663.60 125.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 663.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 663.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 639.60 157.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 639.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 639.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 639.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 639.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 639.60 125.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 639.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 639.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 615.60 157.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 615.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 615.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 615.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 615.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 615.60 125.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 615.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 615.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 591.60 157.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 591.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 591.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 591.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 591.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 591.60 125.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 591.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 591.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 567.60 157.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 206.50 567.60 58.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 567.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 567.60 80.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 348.50 567.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 352.50 567.60 125.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 477.50 567.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 481.50 567.60 80.00 -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 206.5 675.6 m 264.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 675.6 m 348.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 352.5 675.6 m 477.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 675.6 m 561.5 675.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 481.5 675.6 m 561.5 675.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 212.80 698.83 Td (Fair Value at) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 211.75 686.68 Td (December31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 227.00 678.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 272.90 679.83 Td (Valuation Technique) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 380.35 679.83 Td (Unobservable Input) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 510.10 679.83 Td (Range) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 212.20 667.55 Td (\(in thousands\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 655.55 Td (States and political subdivisions) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 209.00 655.55 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.30 655.55 Td (373) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 655.55 Td (Discounted cash flows) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 655.55 Td (Credit assumption) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 526.20 655.55 Td (50% Loss) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 643.55 Td (Residential mortgage-backed securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.30 643.55 Td (171) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 643.55 Td (Discounted cash flows) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 643.55 Td (Constant pre-payment rates \(CPR\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 530.00 643.55 Td (1% - 3%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 631.55 Td (Mortgage servicing rights) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.25 631.55 Td (238,011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 631.55 Td (Discounted cash flows) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 631.55 Td (CPR) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 518.00 631.55 Td (7.0% - 8.3%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 619.55 Td (Discount rate) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 619.55 Td (9.50 - 12.00) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 607.55 Td (Maturity \(months\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 607.55 Td (323 - 357) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 595.55 Td (Delinquencies) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 523.30 595.55 Td (0.51 - 3.87) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 583.55 Td (Costs to service) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 519.30 583.55 Td ($ 66 - $ 226) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 571.55 Td (Additive delinquent costs to service) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.30 571.55 Td ($ 175 - $ 1,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 559.55 Td (Derivative financial instruments \(mortgage) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.30 559.55 Td (3,160) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 559.55 Td (Sales cash flows) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 559.55 Td (Expected closing ratio) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 522.00 559.55 Td (70% - 95%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 547.55 Td ( interest rate lock commitments\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 355.00 547.55 Td (Expected delivery price) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.10 547.55 Td (97.13 bps - 108.85 bps) Tj ET Q BT /F1 10.00 Tf ET 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 69.08 520.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 114.83 520.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 171.68 520.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 199.67 520.10 Td (used ) Tj ET Q q 0 0 0 rg BT 221.54 520.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.85 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 248.60 520.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 266.02 520.10 Td (value ) Tj ET Q q 0 0 0 rg BT 291.21 520.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 348.06 520.10 Td (of ) Tj ET Q q 0 0 0 rg BT 359.92 520.10 Td (the ) Tj ET Q q 0 0 0 rg BT 375.68 520.10 Td (Company) Tj ET Q q 0 0 0 rg BT 417.34 520.10 Td (s ) Tj ET Q q 0 0 0 rg BT 424.77 520.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 466.07 520.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 506.26 520.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 532.58 520.10 Td (include ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 508.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 100.48 508.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 132.91 508.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 170.07 508.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 194.72 508.10 Td (maturities, ) Tj ET Q q 0 0 0 rg BT 240.48 508.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 298.73 508.10 Td (and ) Tj ET Q q 0 0 0 rg BT 316.45 508.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 335.83 508.10 Td (to ) Tj ET Q q 0 0 0 rg BT 346.88 508.10 Td (service. ) Tj ET Q q 0 0 0 rg BT 380.97 508.10 Td ( ) Tj ET Q q 0 0 0 rg BT 384.24 508.10 Td (Significant ) Tj ET Q q 0 0 0 rg BT 431.39 508.10 Td (increases ) Tj ET Q q 0 0 0 rg BT 471.31 508.10 Td (in ) Tj ET Q q 0 0 0 rg BT 482.36 508.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 532.84 508.10 Td (speeds, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 496.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 85.45 496.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 108.38 496.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 164.92 496.10 Td (or ) Tj ET Q q 0 0 0 rg BT 174.81 496.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 192.48 496.10 Td (to ) Tj ET Q q 0 0 0 rg BT 201.82 496.10 Td (service ) Tj ET Q q 0 0 0 rg BT 231.70 496.10 Td (would ) Tj ET Q q 0 0 0 rg BT 258.26 496.10 Td (result ) Tj ET Q q 0 0 0 rg BT 282.03 496.10 Td (in ) Tj ET Q q 0 0 0 rg BT 291.37 496.10 Td (a ) Tj ET Q q 0 0 0 rg BT 297.37 496.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 348.92 496.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 373.25 496.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 388.69 496.10 Td (value ) Tj ET Q q 0 0 0 rg BT 411.90 496.10 Td (measurement. ) Tj ET Q q 0 0 0 rg BT 469.27 496.10 Td ( ) Tj ET Q q 0 0 0 rg BT 470.83 496.10 Td (Conversely) Tj ET Q q 0 0 0 rg BT 515.73 496.10 Td (, ) Tj ET Q q 0 0 0 rg BT 519.79 496.10 Td (significant ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 484.10 Td (decreases ) Tj ET Q q 0 0 0 rg BT 90.77 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 101.02 484.10 Td (prepayment ) Tj ET Q q 0 0 0 rg BT 150.68 484.10 Td (speeds, ) Tj ET Q q 0 0 0 rg BT 182.31 484.10 Td (discount ) Tj ET Q q 0 0 0 rg BT 218.66 484.10 Td (rates, ) Tj ET Q q 0 0 0 rg BT 242.50 484.10 Td (delinquencies ) Tj ET Q q 0 0 0 rg BT 299.95 484.10 Td (or ) Tj ET Q q 0 0 0 rg BT 310.75 484.10 Td (costs ) Tj ET Q q 0 0 0 rg BT 333.21 484.10 Td (to ) Tj ET Q q 0 0 0 rg BT 343.46 484.10 Td (service ) Tj ET Q q 0 0 0 rg BT 374.24 484.10 Td (would ) Tj ET Q q 0 0 0 rg BT 401.70 484.10 Td (result ) Tj ET Q q 0 0 0 rg BT 426.39 484.10 Td (in ) Tj ET Q q 0 0 0 rg BT 436.63 484.10 Td (a ) Tj ET Q q 0 0 0 rg BT 443.54 484.10 Td (significantly ) Tj ET Q q 0 0 0 rg BT 495.99 484.10 Td (higher ) Tj ET Q q 0 0 0 rg BT 524.00 484.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 540.35 484.10 Td (value ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 472.10 Td (measurement. ) Tj ET Q q 0 0 0 rg BT 108.94 472.10 Td ( ) Tj ET Q q 0 0 0 rg BT 111.85 472.10 Td (W) Tj ET Q q 0 0 0 rg BT 120.89 472.10 Td (ith ) Tj ET Q q 0 0 0 rg BT 134.58 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 149.93 472.10 Td (exception ) Tj ET Q q 0 0 0 rg BT 191.94 472.10 Td (of ) Tj ET Q q 0 0 0 rg BT 203.40 472.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 238.74 472.10 Td (in ) Tj ET Q q 0 0 0 rg BT 249.65 472.10 Td (delinquencies, ) Tj ET Q q 0 0 0 rg BT 310.27 472.10 Td (which ) Tj ET Q q 0 0 0 rg BT 337.84 472.10 Td (can ) Tj ET Q q 0 0 0 rg BT 354.85 472.10 Td (change ) Tj ET Q q 0 0 0 rg BT 386.30 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 401.65 472.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 420.89 472.10 Td (to ) Tj ET Q q 0 0 0 rg BT 431.80 472.10 Td (service, ) Tj ET Q q 0 0 0 rg BT 465.75 472.10 Td (the ) Tj ET Q q 0 0 0 rg BT 481.10 472.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 537.55 472.10 Td (inputs ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 460.10 Td (move ) Tj ET Q q 0 0 0 rg BT 74.72 460.10 Td (independently ) Tj ET Q q 0 0 0 rg BT 133.87 460.10 Td (of ) Tj ET Q q 0 0 0 rg BT 144.70 460.10 Td (each ) Tj ET Q q 0 0 0 rg BT 165.51 460.10 Td (other) Tj ET Q q 0 0 0 rg BT 185.51 460.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 436.10 Td (Key ) Tj ET Q q 0 0 0 rg BT 69.09 436.10 Td (economic ) Tj ET Q q 0 0 0 rg BT 110.39 436.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 162.27 436.10 Td (used ) Tj ET Q q 0 0 0 rg BT 183.03 436.10 Td (in ) Tj ET Q q 0 0 0 rg BT 193.24 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 207.89 436.10 Td (measuring ) Tj ET Q q 0 0 0 rg BT 251.98 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 262.74 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 277.38 436.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 293.69 436.10 Td (value ) Tj ET Q q 0 0 0 rg BT 317.78 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 328.54 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.19 436.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 383.38 436.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 422.47 436.10 Td (rights ) Tj ET Q q 0 0 0 rg BT 447.67 436.10 Td (and ) Tj ET Q q 0 0 0 rg BT 464.54 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 479.19 436.10 Td (sensitivity ) Tj ET Q q 0 0 0 rg BT 522.74 436.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.50 436.10 Td (the ) Tj ET Q q 0 0 0 rg BT 548.14 436.10 Td (fair ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 424.10 Td (value ) Tj ET Q q 0 0 0 rg BT 74.30 424.10 Td (to ) Tj ET Q q 0 0 0 rg BT 84.73 424.10 Td (immediate ) Tj ET Q q 0 0 0 rg BT 129.58 424.10 Td (adverse ) Tj ET Q q 0 0 0 rg BT 162.76 424.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 197.62 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 208.04 424.10 Td (those ) Tj ET Q q 0 0 0 rg BT 231.80 424.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 283.89 424.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 293.75 424.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 352.49 424.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.49 424.10 Td ( ) Tj ET Q q 0 0 0 rg BT 375.13 424.10 Td (are ) Tj ET Q q 0 0 0 rg BT 389.99 424.10 Td (presented ) Tj ET Q q 0 0 0 rg BT 430.95 424.10 Td (in ) Tj ET Q q 0 0 0 rg BT 441.37 424.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.24 424.10 Td (following ) Tj ET Q q 0 0 0 rg BT 497.77 424.10 Td (table. ) Tj ET Q q 0 0 0 rg BT 522.16 424.10 Td (This ) Tj ET Q q 0 0 0 rg BT 542.58 424.10 Td (table ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 412.10 Td (does ) Tj ET Q q 0 0 0 rg BT 70.83 412.10 Td (not ) Tj ET Q q 0 0 0 rg BT 86.11 412.10 Td (take ) Tj ET Q q 0 0 0 rg BT 105.26 412.10 Td (into ) Tj ET Q q 0 0 0 rg BT 123.32 412.10 Td (account ) Tj ET Q q 0 0 0 rg BT 156.91 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 171.63 412.10 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 218.00 412.10 Td (used ) Tj ET Q q 0 0 0 rg BT 238.83 412.10 Td (to ) Tj ET Q q 0 0 0 rg BT 249.11 412.10 Td (economically ) Tj ET Q q 0 0 0 rg BT 305.48 412.10 Td (hedge ) Tj ET Q q 0 0 0 rg BT 331.86 412.10 Td (the ) Tj ET Q q 0 0 0 rg BT 346.57 412.10 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 386.84 412.10 Td (servicing ) Tj ET Q q 0 0 0 rg BT 425.99 412.10 Td (rights.) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 367.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 367.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 343.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 343.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 319.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 319.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 295.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 295.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 271.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 271.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 247.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 247.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 223.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 223.60 77.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 199.60 435.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 484.50 199.60 77.00 -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 484.5 367.6 m 561.5 367.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 484.5 367.6 m 561.5 367.6 l s BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 372.06 Td (\(dollars in thousands, except for weighted average cost to service\)) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 496.30 381.00 Td (December31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 513.50 372.00 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 358.86 Td (Weighted average prepayment speed \(CPR\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 358.86 Td (7.50) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 358.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 346.86 Td (Impact on fair value of 10% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 346.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 346.86 Td (\(7,409) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 346.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 334.86 Td (Impact on fair value of 20% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 334.86 Td (\(14,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 334.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 310.86 Td (Weighted average discount rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 310.86 Td (9.80) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 310.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 298.86 Td (Impact on fair value of 10% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 298.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 298.86 Td (\(10,159) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 298.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 286.86 Td (Impact on fair value of 20% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 525.75 286.86 Td (\(19,521) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 286.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 262.86 Td (Weighted average delinquency rate) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 262.86 Td (2.14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 262.86 Td (%) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 250.86 Td (Impact on fair value of 10% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 250.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 250.86 Td (\(2,393) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 250.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 238.86 Td (Impact on fair value of 20% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 238.86 Td (\(4,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 238.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 214.86 Td (Weighted average costs to service) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 214.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 544.50 214.86 Td (90) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 202.86 Td (Impact on fair value of 10% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 202.86 Td (\(4,546) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 202.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 190.86 Td (Impact on fair value of 20% adverse change) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 530.25 190.86 Td (\(9,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 553.50 190.86 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 164.10 Td (The ) Tj ET Q q 0 0 0 rg BT 66.99 164.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 107.31 164.10 Td (did ) Tj ET Q q 0 0 0 rg BT 121.53 164.10 Td (not ) Tj ET Q q 0 0 0 rg BT 135.75 164.10 Td (have ) Tj ET Q q 0 0 0 rg BT 156.06 164.10 Td (any ) Tj ET Q q 0 0 0 rg BT 171.94 164.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 207.81 164.10 Td (between ) Tj ET Q q 0 0 0 rg BT 242.57 164.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 266.77 164.10 Td (1 ) Tj ET Q q 0 0 0 rg BT 273.21 164.10 Td (and ) Tj ET Q q 0 0 0 rg BT 289.09 164.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 313.29 164.10 Td (2 ) Tj ET Q q 0 0 0 rg BT 319.73 164.10 Td (of ) Tj ET Q q 0 0 0 rg BT 329.50 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.15 164.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 358.47 164.10 Td (value ) Tj ET Q q 0 0 0 rg BT 381.57 164.10 Td (hierarchy ) Tj ET Q q 0 0 0 rg BT 420.76 164.10 Td (during ) Tj ET Q q 0 0 0 rg BT 448.31 164.10 Td (the ) Tj ET Q q 0 0 0 rg BT 461.96 164.10 Td (year ) Tj ET Q q 0 0 0 rg BT 480.61 164.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 505.93 164.10 Td (December31, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 152.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 70.00 152.10 Td (. ) Tj ET Q q 0 0 0 rg BT 74.21 152.10 Td ( ) Tj ET Q q 0 0 0 rg BT 75.79 152.10 Td (The ) Tj ET Q q 0 0 0 rg BT 93.05 152.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 139.34 152.10 Td (policy ) Tj ET Q q 0 0 0 rg BT 166.04 152.10 Td (for ) Tj ET Q q 0 0 0 rg BT 179.41 152.10 Td (determining ) Tj ET Q q 0 0 0 rg BT 229.44 152.10 Td (transfers ) Tj ET Q q 0 0 0 rg BT 265.57 152.10 Td (between ) Tj ET Q q 0 0 0 rg BT 300.60 152.10 Td (levels ) Tj ET Q q 0 0 0 rg BT 325.63 152.10 Td (occurs ) Tj ET Q q 0 0 0 rg BT 353.44 152.10 Td (at ) Tj ET Q q 0 0 0 rg BT 362.36 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 376.28 152.10 Td (end ) Tj ET Q q 0 0 0 rg BT 392.43 152.10 Td (of ) Tj ET Q q 0 0 0 rg BT 402.47 152.10 Td (the ) Tj ET Q q 0 0 0 rg BT 416.39 152.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 454.76 152.10 Td (period ) Tj ET Q q 0 0 0 rg BT 482.01 152.10 Td (when ) Tj ET Q q 0 0 0 rg BT 505.38 152.10 Td (circumstances ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 140.10 Td (in ) Tj ET Q q 0 0 0 rg BT 60.28 140.10 Td (the ) Tj ET Q q 0 0 0 rg BT 75.00 140.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 120.82 140.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 160.53 140.10 Td (criteria ) Tj ET Q q 0 0 0 rg BT 191.34 140.10 Td (change ) Tj ET Q q 0 0 0 rg BT 222.16 140.10 Td (and ) Tj ET Q q 0 0 0 rg BT 239.10 140.10 Td (result ) Tj ET Q q 0 0 0 rg BT 263.81 140.10 Td (in ) Tj ET Q q 0 0 0 rg BT 274.09 140.10 Td (transfer ) Tj ET Q q 0 0 0 rg BT 307.13 140.10 Td (between ) Tj ET Q q 0 0 0 rg BT 342.94 140.10 Td (levels.) Tj ET Q endstream endobj 261 0 obj <> endobj 262 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (130) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The following table presents additional information about financial assets measured at fair value on a recurring basis for which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (the Company used significant unobservable inputs \(Level 3\) \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 661.60 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 400.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 404.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 454.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 458.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 661.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 512.50 661.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 633.60 188.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 238.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 242.50 633.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 292.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 296.50 633.60 50.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 346.50 633.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 350.50 633.60 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/GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 512.5 550.6 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 512.5 548.6 m 562.5 548.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 381.95 699.68 Td (Y) Tj ET Q q 0 0 0 rg BT 386.84 699.68 Td (ear) Tj ET Q q 0 0 0 rg BT 397.80 699.68 Td (Ended) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.75 691.68 Td (December) Tj ET Q q 0 0 0 rg BT 413.25 691.68 Td (31,) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 259.00 679.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 313.00 679.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 367.00 679.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 421.00 679.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.00 679.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 529.00 679.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 257.20 665.83 Td (Investment Securities) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 356.20 665.83 Td (Mortgage Servicing Rights) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 490.65 665.83 Td (Derivatives) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 651.85 Td (Balance, beginning of period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 651.85 Td (773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 651.85 Td (973) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 651.85 Td (168,162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 651.85 Td (235,402) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 651.85 Td (3,822) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 651.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 651.85 Td (5,074) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 637.85 Td (Acquired through business combination) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 637.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 637.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 637.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 637.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 493.30 637.85 Td (146) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 637.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 623.85 Td (Purchases) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 623.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 623.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 623.85 Td (5,087) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 439.30 623.85 Td (823) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 623.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 623.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 609.85 Td (Originations) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 609.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 609.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 375.25 609.85 Td (68,428) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 429.25 609.85 Td (68,690) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 609.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 609.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 595.85 Td (Included in earnings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 595.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 595.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 376.60 595.85 Td (\(3,666) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 397.30 595.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.60 595.85 Td (\(33,648) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 595.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 490.60 595.85 Td (\(808) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 505.30 595.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 595.85 Td (\(1,252) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 595.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 581.85 Td (Principal payments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 274.60 581.85 Td (\(229) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 289.30 581.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 328.60 581.85 Td (\(200) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 343.30 581.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 581.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 443.30 581.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 581.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 581.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 567.85 Td (Sales) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 281.30 567.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 335.30 567.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.30 567.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 422.60 567.85 Td (\(103,105) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 567.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 497.30 567.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 567.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 553.85 Td (Balance, ending of period) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 245.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 277.30 553.85 Td (544) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 299.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 331.30 553.85 Td (773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 353.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.25 553.85 Td (238,011) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 407.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 425.25 553.85 Td (168,162) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 461.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 487.25 553.85 Td (3,160) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 515.00 553.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.25 553.85 Td (3,822) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td () 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 50 524.53505859375 m 352.6953125 524.53505859375 l s q 0 0 0 rg BT 50.00 526.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 92.50 526.10 Td (Instruments ) Tj ET Q q 0 0 0 rg BT 147.23 526.10 Td (Recorded ) Tj ET Q q 0 0 0 rg BT 190.83 526.10 Td (at ) Tj ET Q q 0 0 0 rg BT 201.66 526.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 219.80 526.10 Td ( ) Tj ET Q q 0 0 0 rg BT 222.12 526.10 Td (V) Tj ET Q q 0 0 0 rg BT 228.43 526.10 Td (alue ) Tj ET Q q 0 0 0 rg BT 248.71 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 261.77 526.10 Td (a ) Tj ET Q q 0 0 0 rg BT 269.27 526.10 Td (Nonr) Tj ET Q q 0 0 0 rg BT 291.31 526.10 Td (ecurring ) Tj ET Q q 0 0 0 rg BT 330.46 526.10 Td (Basis) 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 68.38 502.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.09 502.10 Td (may ) Tj ET Q q 0 0 0 rg BT 130.14 502.10 Td (be ) Tj ET Q q 0 0 0 rg BT 142.41 502.10 Td (required, ) Tj ET Q q 0 0 0 rg BT 181.05 502.10 Td (from ) Tj ET Q q 0 0 0 rg BT 203.32 502.10 Td (time ) Tj ET Q q 0 0 0 rg BT 223.92 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 234.53 502.10 Td (time, ) Tj ET Q q 0 0 0 rg BT 257.63 502.10 Td (to ) Tj ET Q q 0 0 0 rg BT 268.24 502.10 Td (measure ) Tj ET Q q 0 0 0 rg BT 304.39 502.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 334.42 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 372.23 502.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 398.39 502.10 Td (and ) Tj ET Q q 0 0 0 rg BT 415.66 502.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 453.47 502.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 493.51 502.10 Td (at ) Tj ET Q q 0 0 0 rg BT 503.56 502.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 520.27 502.10 Td (value ) Tj ET Q q 0 0 0 rg BT 544.75 502.10 Td (on ) Tj ET Q q 0 0 0 rg BT 557.58 502.10 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.10 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 104.19 490.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 126.73 490.10 Td (in ) Tj ET Q q 0 0 0 rg BT 137.06 490.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 184.56 490.10 Td (with ) Tj ET Q q 0 0 0 rg BT 204.88 490.10 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 225.21 490.10 Td (GAAP) Tj ET Q q 0 0 0 rg BT 251.33 490.10 Td (. ) Tj ET Q q 0 0 0 rg BT 256.37 490.10 Td ( ) Tj ET Q q 0 0 0 rg BT 258.73 490.10 Td (These ) Tj ET Q q 0 0 0 rg BT 285.15 490.10 Td (include ) Tj ET Q q 0 0 0 rg BT 317.13 490.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 343.00 490.10 Td (that ) Tj ET Q q 0 0 0 rg BT 360.54 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 375.29 490.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 416.15 490.10 Td (at ) Tj ET Q q 0 0 0 rg BT 425.91 490.10 Td (the ) Tj ET Q q 0 0 0 rg BT 440.68 490.10 Td (lower ) Tj ET Q q 0 0 0 rg BT 465.99 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 476.86 490.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 495.51 490.10 Td (or ) Tj ET Q q 0 0 0 rg BT 506.39 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 522.81 490.10 Td (value ) Tj ET Q q 0 0 0 rg BT 547.01 490.10 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.10 Td (were ) Tj ET Q q 0 0 0 rg BT 71.93 478.10 Td (recognized ) Tj ET Q q 0 0 0 rg BT 118.29 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 128.01 478.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 144.38 478.10 Td (value ) Tj ET Q q 0 0 0 rg BT 168.54 478.10 Td (below ) Tj ET Q q 0 0 0 rg BT 195.48 478.10 Td (cost ) Tj ET Q q 0 0 0 rg BT 214.09 478.10 Td (at ) Tj ET Q q 0 0 0 rg BT 223.80 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 238.52 478.10 Td (end ) Tj ET Q q 0 0 0 rg BT 255.46 478.10 Td (of ) Tj ET Q q 0 0 0 rg BT 266.29 478.10 Td (the ) Tj ET Q q 0 0 0 rg BT 281.01 478.10 Td (period.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 454.10 Td (Impaired ) Tj ET Q q 0 0 0 rg BT 90.46 454.10 Td (Loans.) Tj ET Q BT /F3 10.00 Tf ET q 0 0 0 rg BT 118.53 454.10 Td ( ) Tj ET Q q 0 0 0 rg BT 121.21 454.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 123.90 454.10 Td (Loans ) Tj ET Q q 0 0 0 rg BT 151.02 454.10 Td (for ) Tj ET Q q 0 0 0 rg BT 165.37 454.10 Td (which ) Tj ET Q q 0 0 0 rg BT 192.49 454.10 Td (it ) Tj ET Q q 0 0 0 rg BT 200.73 454.10 Td (is ) Tj ET Q q 0 0 0 rg BT 210.09 454.10 Td (probable ) Tj ET Q q 0 0 0 rg BT 247.76 454.10 Td (that ) Tj ET Q q 0 0 0 rg BT 265.44 454.10 Td (payment ) Tj ET Q q 0 0 0 rg BT 302.56 454.10 Td (of ) Tj ET Q q 0 0 0 rg BT 313.57 454.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 345.69 454.10 Td (and ) Tj ET Q q 0 0 0 rg BT 362.82 454.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 401.04 454.10 Td (will ) Tj ET Q q 0 0 0 rg BT 419.29 454.10 Td (not ) Tj ET Q q 0 0 0 rg BT 434.75 454.10 Td (be ) Tj ET Q q 0 0 0 rg BT 446.88 454.10 Td (made ) Tj ET Q q 0 0 0 rg BT 471.22 454.10 Td (in ) Tj ET Q q 0 0 0 rg BT 481.68 454.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 529.33 454.10 Td (with ) Tj ET Q q 0 0 0 rg BT 549.79 454.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.58 442.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 120.96 442.10 Td (of ) Tj ET Q q 0 0 0 rg BT 131.44 442.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.82 442.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 165.20 442.10 Td (agreement ) Tj ET Q q 0 0 0 rg BT 209.00 442.10 Td (are ) Tj ET Q q 0 0 0 rg BT 223.36 442.10 Td (considered ) Tj ET Q q 0 0 0 rg BT 268.84 442.10 Td (impaired. ) Tj ET Q q 0 0 0 rg BT 309.04 442.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.20 442.10 Td (Once ) Tj ET Q q 0 0 0 rg BT 334.46 442.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.06 442.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 360.43 442.10 Td (is ) Tj ET Q q 0 0 0 rg BT 369.26 442.10 Td (identified ) Tj ET Q q 0 0 0 rg BT 409.74 442.10 Td (as ) Tj ET Q q 0 0 0 rg BT 420.23 442.10 Td (individually ) Tj ET Q q 0 0 0 rg BT 470.72 442.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 510.92 442.10 Td (management ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.10 Td (measures ) Tj ET Q q 0 0 0 rg BT 90.51 430.10 Td (impairment ) Tj ET Q q 0 0 0 rg BT 139.91 430.10 Td (in ) Tj ET Q q 0 0 0 rg BT 150.99 430.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 199.25 430.10 Td (with ) Tj ET Q q 0 0 0 rg BT 219.60 430.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 242.11 430.10 Td (T) Tj ET Q q 0 0 0 rg BT 247.52 430.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 268.04 430.10 Td (310. ) Tj ET Q q 0 0 0 rg BT 288.84 430.10 Td ( ) Tj ET Q q 0 0 0 rg BT 291.90 430.10 Td (The ) Tj ET Q q 0 0 0 rg BT 310.75 430.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 327.93 430.10 Td (value ) Tj ET Q q 0 0 0 rg BT 352.89 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 364.52 430.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 403.36 430.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.77 430.10 Td (is ) Tj ET Q q 0 0 0 rg BT 437.74 430.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 479.36 430.10 Td (using ) Tj ET Q q 0 0 0 rg BT 504.33 430.10 Td (one ) Tj ET Q q 0 0 0 rg BT 522.07 430.10 Td (of ) Tj ET Q q 0 0 0 rg BT 533.70 430.10 Td (several ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.10 Td (methods, ) Tj ET Q q 0 0 0 rg BT 89.04 418.10 Td (including ) Tj ET Q q 0 0 0 rg BT 129.47 418.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 169.32 418.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 196.12 418.10 Td (market ) Tj ET Q q 0 0 0 rg BT 226.54 418.10 Td (value ) Tj ET Q q 0 0 0 rg BT 250.85 418.10 Td (of ) Tj ET Q q 0 0 0 rg BT 261.83 418.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 292.26 418.10 Td (debt, ) Tj ET Q q 0 0 0 rg BT 314.63 418.10 Td (enterprise ) Tj ET Q q 0 0 0 rg BT 356.70 418.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 383.51 418.10 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 429.50 418.10 Td (value ) Tj ET Q q 0 0 0 rg BT 453.80 418.10 Td (and ) Tj ET Q q 0 0 0 rg BT 470.89 418.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 516.87 418.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 537.29 418.10 Td (flows. ) Tj ET Q q 0 0 0 rg BT 564.52 418.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.10 Td (Those ) Tj ET Q q 0 0 0 rg BT 76.66 406.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 114.42 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 137.75 406.10 Td (not ) Tj ET Q q 0 0 0 rg BT 152.75 406.10 Td (requiring ) Tj ET Q q 0 0 0 rg BT 191.63 406.10 Td (an ) Tj ET Q q 0 0 0 rg BT 203.29 406.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 246.04 406.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 284.91 406.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 308.24 406.10 Td (for ) Tj ET Q q 0 0 0 rg BT 322.12 406.10 Td (which ) Tj ET Q q 0 0 0 rg BT 348.78 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.22 406.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 379.32 406.10 Td (value ) Tj ET Q q 0 0 0 rg BT 403.20 406.10 Td (of ) Tj ET Q q 0 0 0 rg BT 413.75 406.10 Td (the ) Tj ET Q q 0 0 0 rg BT 428.19 406.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 465.94 406.10 Td (repayments ) Tj ET Q q 0 0 0 rg BT 514.26 406.10 Td (or ) Tj ET Q q 0 0 0 rg BT 524.81 406.10 Td (collateral ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.10 Td (exceed ) Tj ET Q q 0 0 0 rg BT 79.11 394.10 Td (the ) Tj ET Q q 0 0 0 rg BT 92.69 394.10 Td (recorded ) Tj ET Q q 0 0 0 rg BT 129.02 394.10 Td (investments ) Tj ET Q q 0 0 0 rg BT 178.16 394.10 Td (in ) Tj ET Q q 0 0 0 rg BT 187.29 394.10 Td (such ) Tj ET Q q 0 0 0 rg BT 206.98 394.10 Td (loans. ) Tj ET Q q 0 0 0 rg BT 231.95 394.10 Td ( ) Tj ET Q q 0 0 0 rg BT 233.31 394.10 Td (In ) Tj ET Q q 0 0 0 rg BT 243.00 394.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 289.32 394.10 Td (with ) Tj ET Q q 0 0 0 rg BT 308.15 394.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 328.87 394.10 Td (T) Tj ET Q q 0 0 0 rg BT 334.28 394.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 352.85 394.10 Td (820, ) Tj ET Q q 0 0 0 rg BT 371.71 394.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 408.61 394.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 431.08 394.10 Td (where ) Tj ET Q q 0 0 0 rg BT 456.87 394.10 Td (an ) Tj ET Q q 0 0 0 rg BT 467.66 394.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 509.56 394.10 Td (is ) Tj ET Q q 0 0 0 rg BT 517.58 394.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.10 Td (based ) Tj ET Q q 0 0 0 rg BT 75.26 382.10 Td (on ) Tj ET Q q 0 0 0 rg BT 87.75 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 102.46 382.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 118.83 382.10 Td (value ) Tj ET Q q 0 0 0 rg BT 142.98 382.10 Td (of ) Tj ET Q q 0 0 0 rg BT 153.80 382.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 193.49 382.10 Td (require ) Tj ET Q q 0 0 0 rg BT 224.29 382.10 Td (classification ) Tj ET Q q 0 0 0 rg BT 279.54 382.10 Td (in ) Tj ET Q q 0 0 0 rg BT 289.81 382.10 Td (the ) Tj ET Q q 0 0 0 rg BT 304.52 382.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 320.89 382.10 Td (value ) Tj ET Q q 0 0 0 rg BT 345.04 382.10 Td (hierarchy) Tj ET Q q 0 0 0 rg BT 382.14 382.10 Td (. ) Tj ET Q q 0 0 0 rg BT 387.13 382.10 Td ( ) Tj ET Q q 0 0 0 rg BT 389.63 382.10 Td (Collateral ) Tj ET Q q 0 0 0 rg BT 431.55 382.10 Td (values ) Tj ET Q q 0 0 0 rg BT 459.59 382.10 Td (are ) Tj ET Q q 0 0 0 rg BT 474.28 382.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 515.10 382.10 Td (using ) Tj ET Q q 0 0 0 rg BT 539.26 382.10 Td (Level ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 57.32 370.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 84.08 370.10 Td (based ) Tj ET Q q 0 0 0 rg BT 109.17 370.10 Td (on ) Tj ET Q q 0 0 0 rg BT 121.48 370.10 Td (customized ) Tj ET Q q 0 0 0 rg BT 169.34 370.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 218.33 370.10 Td (criteria. ) Tj ET Q q 0 0 0 rg BT 251.45 370.10 Td ( ) Tj ET Q q 0 0 0 rg BT 253.77 370.10 Td (For ) Tj ET Q q 0 0 0 rg BT 269.98 370.10 Td (a ) Tj ET Q q 0 0 0 rg BT 276.73 370.10 Td (majority ) Tj ET Q q 0 0 0 rg BT 312.93 370.10 Td (of ) Tj ET Q q 0 0 0 rg BT 323.58 370.10 Td (impaired ) Tj ET Q q 0 0 0 rg BT 361.44 370.10 Td (real ) Tj ET Q q 0 0 0 rg BT 378.74 370.10 Td (estate ) Tj ET Q q 0 0 0 rg BT 403.82 370.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 427.25 370.10 Td (where ) Tj ET Q q 0 0 0 rg BT 453.99 370.10 Td (an ) Tj ET Q q 0 0 0 rg BT 465.75 370.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 508.60 370.10 Td (is ) Tj ET Q q 0 0 0 rg BT 517.58 370.10 Td (established ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.10 Td (based ) Tj ET Q q 0 0 0 rg BT 76.13 358.10 Td (on ) Tj ET Q q 0 0 0 rg BT 89.49 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 105.07 358.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 122.31 358.10 Td (value ) Tj ET Q q 0 0 0 rg BT 147.32 358.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.01 358.10 Td (collateral ) Tj ET Q q 0 0 0 rg BT 199.57 358.10 Td (\() Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 202.90 358.10 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.23 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.59 358.10 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.17 358.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 299.61 358.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 319.61 358.10 Td (\), ) Tj ET Q q 0 0 0 rg BT 328.81 358.10 Td (the ) Tj ET Q q 0 0 0 rg BT 344.38 358.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 386.63 358.10 Td (obtains ) Tj ET Q q 0 0 0 rg BT 418.88 358.10 Td (a ) Tj ET Q q 0 0 0 rg BT 426.68 358.10 Td (current ) Tj ET Q q 0 0 0 rg BT 458.35 358.10 Td (external ) Tj ET Q q 0 0 0 rg BT 493.92 358.10 Td (appraisal. ) Tj ET Q q 0 0 0 rg BT 535.87 358.10 Td ( ) Tj ET Q q 0 0 0 rg BT 539.23 358.10 Td (Other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 88.60 346.10 Td (techniques ) Tj ET Q q 0 0 0 rg BT 132.75 346.10 Td (are ) Tj ET Q q 0 0 0 rg BT 146.34 346.10 Td (used ) Tj ET Q q 0 0 0 rg BT 166.06 346.10 Td (as ) Tj ET Q q 0 0 0 rg BT 175.77 346.10 Td (well, ) Tj ET Q q 0 0 0 rg BT 196.87 346.10 Td (including ) Tj ET Q q 0 0 0 rg BT 236.03 346.10 Td (internal ) Tj ET Q q 0 0 0 rg BT 267.96 346.10 Td (valuations, ) Tj ET Q q 0 0 0 rg BT 312.95 346.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 360.98 346.10 Td (property ) Tj ET Q q 0 0 0 rg BT 396.24 346.10 Td (analysis ) Tj ET Q q 0 0 0 rg BT 429.84 346.10 Td (and ) Tj ET Q q 0 0 0 rg BT 445.67 346.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 491.47 346.10 Td (sales ) Tj ET Q q 0 0 0 rg BT 512.29 346.10 Td (information.) 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 50 320.53505859375 m 368.73046875 320.53505859375 l s q 0 0 0 rg BT 50.00 322.10 Td (Non-Financial ) Tj ET Q q 0 0 0 rg BT 113.07 322.10 Td (Assets ) Tj ET Q q 0 0 0 rg BT 142.23 322.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.85 322.10 Td (Non-Financial ) Tj ET Q q 0 0 0 rg BT 224.47 322.10 Td (Liabilities ) Tj ET Q q 0 0 0 rg BT 269.76 322.10 Td (Recorded ) Tj ET Q q 0 0 0 rg BT 313.35 322.10 Td (at ) Tj ET Q q 0 0 0 rg BT 324.18 322.10 Td (Fair) Tj ET Q q 0 0 0 rg BT 342.33 322.10 Td ( ) Tj ET Q q 0 0 0 rg BT 344.65 322.10 Td (V) Tj ET Q q 0 0 0 rg BT 350.95 322.10 Td (alue) 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 68.51 298.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 110.36 298.10 Td (has ) Tj ET Q q 0 0 0 rg BT 126.66 298.10 Td (no ) Tj ET Q q 0 0 0 rg BT 139.63 298.10 Td (non-financial ) Tj ET Q q 0 0 0 rg BT 195.90 298.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 222.20 298.10 Td (or ) Tj ET Q q 0 0 0 rg BT 233.49 298.10 Td (non-financial ) Tj ET Q q 0 0 0 rg BT 289.77 298.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 329.95 298.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 371.23 298.10 Td (at ) Tj ET Q q 0 0 0 rg BT 381.41 298.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 398.25 298.10 Td (value ) Tj ET Q q 0 0 0 rg BT 422.88 298.10 Td (on ) Tj ET Q q 0 0 0 rg BT 435.84 298.10 Td (a ) Tj ET Q q 0 0 0 rg BT 443.24 298.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 482.86 298.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 508.32 298.10 Td ( ) Tj ET Q q 0 0 0 rg BT 511.29 298.10 Td (Certain ) Tj ET Q q 0 0 0 rg BT 543.69 298.10 Td (non-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 286.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 87.98 286.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 114.32 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 131.76 286.10 Td (non-financial ) Tj ET Q q 0 0 0 rg BT 188.08 286.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 228.30 286.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 269.62 286.10 Td (at ) Tj ET Q q 0 0 0 rg BT 279.84 286.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 296.72 286.10 Td (value ) Tj ET Q q 0 0 0 rg BT 321.38 286.10 Td (on ) Tj ET Q q 0 0 0 rg BT 334.38 286.10 Td (a ) Tj ET Q q 0 0 0 rg BT 341.83 286.10 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 399.81 286.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 422.81 286.10 Td (include ) Tj ET Q q 0 0 0 rg BT 455.25 286.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 499.90 286.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 526.23 286.10 Td (and ) Tj ET Q q 0 0 0 rg BT 543.68 286.10 Td (non-) 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 (long-lived ) Tj ET Q q 0 0 0 rg BT 131.08 274.10 Td (assets.) Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 250.10 Td (Other ) Tj ET Q q 0 0 0 rg BT 75.34 250.10 Td (Real ) Tj ET Q q 0 0 0 rg BT 95.67 250.10 Td (Estate ) Tj ET Q q 0 0 0 rg BT 122.67 250.10 Td (and ) Tj ET Q q 0 0 0 rg BT 139.68 250.10 Td (Repossessed ) Tj ET Q q 0 0 0 rg BT 191.67 250.10 Td (V) Tj ET Q q 0 0 0 rg BT 197.24 250.10 Td (ehicles ) Tj ET Q q 0 0 0 rg BT 227.01 250.10 Td (Owned ) Tj ET Q q 0 0 0 rg BT 257.34 250.10 Td (\(Foreclosed ) Tj ET Q q 0 0 0 rg BT 307.45 250.10 Td (Assets\).) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.84 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 340.29 250.10 Td ( ) Tj ET Q q 0 0 0 rg BT 341.73 250.10 Td (Foreclosed ) Tj ET Q q 0 0 0 rg BT 387.06 250.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 414.33 250.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 435.78 250.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 460.55 250.10 Td (recognition, ) Tj ET Q q 0 0 0 rg BT 510.04 250.10 Td (are ) Tj ET Q q 0 0 0 rg BT 523.69 250.10 Td (measured ) 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 66.36 238.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 101.60 238.10 Td (at ) Tj ET Q q 0 0 0 rg BT 110.74 238.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 126.54 238.10 Td (value ) Tj ET Q q 0 0 0 rg BT 150.12 238.10 Td (through ) Tj ET Q q 0 0 0 rg BT 183.15 238.10 Td (a ) Tj ET Q q 0 0 0 rg BT 189.52 238.10 Td (char) Tj ET Q q 0 0 0 rg BT 206.54 238.10 Td (ge-of) Tj ET Q q 0 0 0 rg BT 227.46 238.10 Td (f ) Tj ET Q q 0 0 0 rg BT 232.71 238.10 Td (to ) Tj ET Q q 0 0 0 rg BT 242.42 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 256.56 238.10 Td (allowance ) Tj ET Q q 0 0 0 rg BT 299.01 238.10 Td (for ) Tj ET Q q 0 0 0 rg BT 312.60 238.10 Td (loan ) Tj ET Q q 0 0 0 rg BT 331.74 238.10 Td (and ) Tj ET Q q 0 0 0 rg BT 348.10 238.10 Td (lease ) Tj ET Q q 0 0 0 rg BT 370.01 238.10 Td (losses ) Tj ET Q q 0 0 0 rg BT 395.83 238.10 Td (based ) Tj ET Q q 0 0 0 rg BT 420.52 238.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 442.44 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 456.58 238.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 472.38 238.10 Td (value ) Tj ET Q q 0 0 0 rg BT 495.96 238.10 Td (of ) Tj ET Q q 0 0 0 rg BT 506.22 238.10 Td (the ) Tj ET Q q 0 0 0 rg BT 520.36 238.10 Td (foreclosed ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 226.10 Td (asset. ) Tj ET Q q 0 0 0 rg BT 75.59 226.10 Td ( ) Tj ET Q q 0 0 0 rg BT 78.97 226.10 Td (The ) Tj ET Q q 0 0 0 rg BT 98.17 226.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 115.70 226.10 Td (value ) Tj ET Q q 0 0 0 rg BT 141.00 226.10 Td (of ) Tj ET Q q 0 0 0 rg BT 152.98 226.10 Td (foreclosed ) Tj ET Q q 0 0 0 rg BT 198.28 226.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 227.76 226.10 Td (upon ) Tj ET Q q 0 0 0 rg BT 251.41 226.10 Td (initial ) Tj ET Q q 0 0 0 rg BT 278.39 226.10 Td (recognition, ) Tj ET Q q 0 0 0 rg BT 330.08 226.10 Td (are ) Tj ET Q q 0 0 0 rg BT 345.94 226.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 387.91 226.10 Td (using ) Tj ET Q q 0 0 0 rg BT 413.23 226.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 439.64 226.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 448.29 226.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 476.39 226.10 Td (based ) Tj ET Q q 0 0 0 rg BT 502.81 226.10 Td (on ) Tj ET Q q 0 0 0 rg BT 516.46 226.10 Td (customized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 214.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 99.17 214.10 Td (criteria.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 202.10 Td () Tj ET Q BT /F4 10.00 Tf ET q 0 0 0 rg BT 50.00 190.10 Td (Non-Financial ) Tj ET Q q 0 0 0 rg BT 113.80 190.10 Td (Long-Lived ) Tj ET Q q 0 0 0 rg BT 163.37 190.10 Td (Assets.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.43 190.10 Td ( ) Tj ET Q q 0 0 0 rg BT 196.05 190.10 Td (Non-financial ) Tj ET Q q 0 0 0 rg BT 253.70 190.10 Td (long-lived ) Tj ET Q q 0 0 0 rg BT 296.92 190.10 Td (assets, ) Tj ET Q q 0 0 0 rg BT 324.87 190.10 Td (when ) Tj ET Q q 0 0 0 rg BT 348.65 190.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 395.75 190.10 Td (to ) Tj ET Q q 0 0 0 rg BT 405.65 190.10 Td (be ) Tj ET Q q 0 0 0 rg BT 417.21 190.10 Td (impaired, ) Tj ET Q q 0 0 0 rg BT 457.37 190.10 Td (are ) Tj ET Q q 0 0 0 rg BT 471.69 190.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 512.13 190.10 Td (and ) Tj ET Q q 0 0 0 rg BT 528.68 190.10 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.10 Td (at ) Tj ET Q q 0 0 0 rg BT 59.72 178.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 76.09 178.10 Td (value ) Tj ET Q q 0 0 0 rg BT 100.25 178.10 Td (using ) Tj ET Q q 0 0 0 rg BT 124.42 178.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 149.68 178.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 157.18 178.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 184.13 178.10 Td (based ) Tj ET Q q 0 0 0 rg BT 209.40 178.10 Td (on ) Tj ET Q q 0 0 0 rg BT 221.90 178.10 Td (customized ) Tj ET Q q 0 0 0 rg BT 269.94 178.10 Td (discounting ) Tj ET Q q 0 0 0 rg BT 319.11 178.10 Td (criteria. ) Tj ET Q endstream endobj 263 0 obj <> endobj 264 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (131) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (Assets measured at fair value on a nonrecurring basis as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 287.42 742.10 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 366.01 742.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 385.44 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 405.44 742.10 Td ( are included in the table below \(in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 199.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 671.60 54.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 671.60 90.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 671.60 73.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 671.60 4.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 671.60 80.00 -13.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 644.60 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 644.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 644.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 644.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 644.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 644.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 616.60 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 616.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 616.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.50 616.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 616.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 616.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 616.60 73.00 -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 50.50 589.60 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 589.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 589.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.50 589.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 589.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 589.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 589.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 589.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 589.60 80.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 561.60 199.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 249.50 561.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 253.50 561.60 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 307.50 561.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 561.60 90.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 401.50 561.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 405.50 561.60 73.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 478.50 561.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 482.50 561.60 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 253.5 671.6 m 307.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 671.6 m 401.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 405.5 671.6 m 478.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 482.5 671.6 m 562.5 671.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 271.25 675.83 Td (Total) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 315.85 691.83 Td (QuotedPricesin) Tj ET Q q 0 0 0 rg BT 374.29 691.83 Td (Active) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 319.40 683.83 Td (Marketsfor) Tj ET Q q 0 0 0 rg BT 360.35 683.83 Td (Identical) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 329.30 675.83 Td (Assets\(Level1\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.90 691.83 Td (SignificantOther) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 409.80 683.83 Td (ObservableInputs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 426.50 675.83 Td (\(Level2\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 503.55 691.83 Td (Significant) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 486.30 683.83 Td (UnobservableInputs) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 507.00 675.83 Td (\(Level3\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 662.33 Td (2016) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 304.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 398.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.00 661.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 661.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 649.17 Td (Financial assets:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 304.00 647.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 398.00 647.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.00 647.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 647.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 635.17 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 635.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 635.17 Td (54,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.00 635.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 635.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.00 635.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 635.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 635.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 635.17 Td (54,576) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 621.17 Td (Non-financial assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 607.17 Td (Foreclosed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 607.17 Td (31,607) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 607.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 607.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 607.17 Td (31,607) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 593.33 Td (2015) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 304.00 592.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 398.00 592.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.00 592.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 592.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 580.17 Td (Financial assets:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 304.00 578.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 398.00 578.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 475.00 578.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 578.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 566.17 Td (Impaired loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 256.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 566.17 Td (76,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 314.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 566.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 566.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 485.00 566.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 566.17 Td (76,203) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 552.17 Td (Non-financial assets:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 538.17 Td (Foreclosed assets) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 276.15 538.17 Td (42,351) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.65 538.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.65 538.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 538.17 Td (42,351) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 522.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 510.10 Td (The ) Tj ET Q q 0 0 0 rg BT 67.63 510.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.61 510.10 Td (table ) Tj ET Q q 0 0 0 rg BT 130.13 510.10 Td (presents ) Tj ET Q q 0 0 0 rg BT 164.99 510.10 Td (additional ) Tj ET Q q 0 0 0 rg BT 207.06 510.10 Td (information ) Tj ET Q q 0 0 0 rg BT 256.36 510.10 Td (about ) Tj ET Q q 0 0 0 rg BT 280.67 510.10 Td (the ) Tj ET Q q 0 0 0 rg BT 294.97 510.10 Td (unobservable ) Tj ET Q q 0 0 0 rg BT 350.37 510.10 Td (inputs ) Tj ET Q q 0 0 0 rg BT 376.91 510.10 Td (used ) Tj ET Q q 0 0 0 rg BT 397.33 510.10 Td (in ) Tj ET Q q 0 0 0 rg BT 407.19 510.10 Td (the ) Tj ET Q q 0 0 0 rg BT 421.50 510.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 437.46 510.10 Td (value ) Tj ET Q q 0 0 0 rg BT 461.20 510.10 Td (measurement ) Tj ET Q q 0 0 0 rg BT 516.60 510.10 Td (of ) Tj ET Q q 0 0 0 rg BT 527.02 510.10 Td (financial ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 498.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.42 498.10 Td (non-financial ) Tj ET Q q 0 0 0 rg BT 123.71 498.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 150.03 498.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 191.32 498.10 Td (on ) Tj ET Q q 0 0 0 rg BT 204.31 498.10 Td (a ) Tj ET Q q 0 0 0 rg BT 211.73 498.10 Td (nonrecurring ) Tj ET Q q 0 0 0 rg BT 266.36 498.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 289.34 498.10 Td (that ) Tj ET Q q 0 0 0 rg BT 307.32 498.10 Td (were ) Tj ET Q q 0 0 0 rg BT 329.73 498.10 Td (categorized ) Tj ET Q q 0 0 0 rg BT 378.79 498.10 Td (within ) Tj ET Q q 0 0 0 rg BT 407.33 498.10 Td (the ) Tj ET Q q 0 0 0 rg BT 422.53 498.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 448.27 498.10 Td (3 ) Tj ET Q q 0 0 0 rg BT 456.25 498.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.57 498.10 Td (the ) Tj ET Q q 0 0 0 rg BT 482.77 498.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 499.63 498.10 Td (value ) Tj ET Q q 0 0 0 rg BT 524.26 498.10 Td (hierarchy ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 486.10 Td (\(fair ) Tj ET Q q 0 0 0 rg BT 69.71 486.10 Td (value ) Tj ET Q q 0 0 0 rg BT 93.86 486.10 Td (in ) Tj ET Q q 0 0 0 rg BT 104.14 486.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 428.60 154.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 428.60 75.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 278.50 428.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 428.60 82.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 364.50 428.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 368.50 428.60 118.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 486.50 428.60 4.00 -20.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 428.60 71.00 -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 203.5 433.6 m 278.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 433.6 m 364.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 368.5 433.6 m 486.5 433.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 490.5 433.6 m 561.5 433.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 218.30 452.83 Td (Fair Value at) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 306.45 452.83 Td (Valuation) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 208.25 437.83 Td (December31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 305.35 437.83 Td (Technique) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 392.85 437.83 Td (Unobservable Input) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 514.60 437.83 Td (Range) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 412.85 Td (Impaired loans) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 206.00 412.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 412.85 Td (54,576) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.00 412.85 Td (Appraisal of collateral) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 412.85 Td (Appraisal adjustments - sales costs) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.50 412.85 Td (5% - 10%) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 392.85 Td (Foreclosed assets) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 392.85 Td (31,607) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 285.00 392.85 Td (Appraisal of collateral) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 371.00 392.85 Td (Appraisal adjustments - sales costs) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 509.50 392.85 Td (5% - 10%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 365.10 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.35 365.10 Td (T) Tj ET Q q 0 0 0 rg BT 76.76 365.10 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.02 365.10 Td (825 ) Tj ET Q q 0 0 0 rg BT 113.06 365.10 Td (requires ) Tj ET Q q 0 0 0 rg BT 147.31 365.10 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 189.90 365.10 Td (of ) Tj ET Q q 0 0 0 rg BT 200.28 365.10 Td (the ) Tj ET Q q 0 0 0 rg BT 214.54 365.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 230.46 365.10 Td (value ) Tj ET Q q 0 0 0 rg BT 254.16 365.10 Td (of ) Tj ET Q q 0 0 0 rg BT 264.53 365.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 301.55 365.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 326.93 365.10 Td (and ) Tj ET Q q 0 0 0 rg BT 343.41 365.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 380.43 365.10 Td (liabilities, ) Tj ET Q q 0 0 0 rg BT 422.19 365.10 Td (including ) Tj ET Q q 0 0 0 rg BT 462.01 365.10 Td (those ) Tj ET Q q 0 0 0 rg BT 485.16 365.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 522.19 365.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 547.56 365.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 353.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 86.97 353.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 126.18 353.10 Td (that ) Tj ET Q q 0 0 0 rg BT 143.17 353.10 Td (are ) Tj ET Q q 0 0 0 rg BT 157.37 353.10 Td (not ) Tj ET Q q 0 0 0 rg BT 172.14 353.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 212.45 353.10 Td (and ) Tj ET Q q 0 0 0 rg BT 228.88 353.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 264.18 353.10 Td (at ) Tj ET Q q 0 0 0 rg BT 273.39 353.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 289.26 353.10 Td (value ) Tj ET Q q 0 0 0 rg BT 312.91 353.10 Td (on ) Tj ET Q q 0 0 0 rg BT 324.90 353.10 Td (a ) Tj ET Q q 0 0 0 rg BT 331.33 353.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 369.97 353.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 391.96 353.10 Td (or ) Tj ET Q q 0 0 0 rg BT 402.29 353.10 Td (non-recurring ) Tj ET Q q 0 0 0 rg BT 459.25 353.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 483.75 353.10 Td ( ) Tj ET Q q 0 0 0 rg BT 485.59 353.10 Td (The ) Tj ET Q q 0 0 0 rg BT 503.13 353.10 Td (methodologies ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 341.10 Td (for ) Tj ET Q q 0 0 0 rg BT 63.33 341.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 106.66 341.10 Td (the ) Tj ET Q q 0 0 0 rg BT 120.54 341.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 136.08 341.10 Td (value ) Tj ET Q q 0 0 0 rg BT 159.41 341.10 Td (of ) Tj ET Q q 0 0 0 rg BT 169.40 341.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 206.05 341.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 231.05 341.10 Td (and ) Tj ET Q q 0 0 0 rg BT 247.16 341.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 283.80 341.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 322.69 341.10 Td (that ) Tj ET Q q 0 0 0 rg BT 339.35 341.10 Td (are ) Tj ET Q q 0 0 0 rg BT 353.23 341.10 Td (measured ) Tj ET Q q 0 0 0 rg BT 393.21 341.10 Td (at ) Tj ET Q q 0 0 0 rg BT 402.09 341.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 417.64 341.10 Td (value ) Tj ET Q q 0 0 0 rg BT 440.96 341.10 Td (on ) Tj ET Q q 0 0 0 rg BT 452.63 341.10 Td (a ) Tj ET Q q 0 0 0 rg BT 458.73 341.10 Td (recurring ) Tj ET Q q 0 0 0 rg BT 497.05 341.10 Td (or ) Tj ET Q q 0 0 0 rg BT 507.04 341.10 Td (non-recurring ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 329.10 Td (basis ) Tj ET Q q 0 0 0 rg BT 72.60 329.10 Td (are ) Tj ET Q q 0 0 0 rg BT 87.41 329.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 128.34 329.10 Td (above. ) Tj ET Q q 0 0 0 rg BT 157.32 329.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.74 329.10 Td (The ) Tj ET Q q 0 0 0 rg BT 177.89 329.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 218.81 329.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 235.29 329.10 Td (value ) Tj ET Q q 0 0 0 rg BT 259.55 329.10 Td (approximates ) Tj ET Q q 0 0 0 rg BT 316.02 329.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 351.94 329.10 Td (value ) Tj ET Q q 0 0 0 rg BT 376.20 329.10 Td (for ) Tj ET Q q 0 0 0 rg BT 390.46 329.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 410.83 329.10 Td (and ) Tj ET Q q 0 0 0 rg BT 427.87 329.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 448.24 329.10 Td (equivalents, ) Tj ET Q q 0 0 0 rg BT 498.89 329.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 532.58 329.10 Td (interest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 317.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.12 317.10 Td (the ) Tj ET Q q 0 0 0 rg BT 82.02 317.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 102.48 317.10 Td (surrender ) Tj ET Q q 0 0 0 rg BT 142.92 317.10 Td (value ) Tj ET Q q 0 0 0 rg BT 167.26 317.10 Td (of ) Tj ET Q q 0 0 0 rg BT 178.28 317.10 Td (life ) Tj ET Q q 0 0 0 rg BT 194.29 317.10 Td (insurance ) Tj ET Q q 0 0 0 rg BT 235.29 317.10 Td (policies. ) Tj ET Q q 0 0 0 rg BT 271.57 317.10 Td ( ) Tj ET Q q 0 0 0 rg BT 274.06 317.10 Td (The ) Tj ET Q q 0 0 0 rg BT 292.29 317.10 Td (methodologies ) Tj ET Q q 0 0 0 rg BT 353.86 317.10 Td (for ) Tj ET Q q 0 0 0 rg BT 368.21 317.10 Td (other ) Tj ET Q q 0 0 0 rg BT 391.44 317.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 429.10 317.10 Td (assets ) Tj ET Q q 0 0 0 rg BT 455.12 317.10 Td (and ) Tj ET Q q 0 0 0 rg BT 472.24 317.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 509.91 317.10 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 549.81 317.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 305.10 Td (discussed ) Tj ET Q q 0 0 0 rg BT 90.83 305.10 Td (below:) 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 67.50 281.10 Td (following ) Tj ET Q q 0 0 0 rg BT 108.34 281.10 Td (methods ) Tj ET Q q 0 0 0 rg BT 144.18 281.10 Td (and ) Tj ET Q q 0 0 0 rg BT 160.57 281.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 211.97 281.10 Td (were ) Tj ET Q q 0 0 0 rg BT 233.35 281.10 Td (used ) Tj ET Q q 0 0 0 rg BT 253.64 281.10 Td (by ) Tj ET Q q 0 0 0 rg BT 265.59 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.76 281.10 Td (Company ) Tj ET Q q 0 0 0 rg BT 320.60 281.10 Td (in ) Tj ET Q q 0 0 0 rg BT 330.33 281.10 Td (estimating ) Tj ET Q q 0 0 0 rg BT 373.95 281.10 Td (the ) Tj ET Q q 0 0 0 rg BT 388.12 281.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 403.95 281.10 Td (values ) Tj ET Q q 0 0 0 rg BT 431.45 281.10 Td (of ) Tj ET Q q 0 0 0 rg BT 441.73 281.10 Td (its ) Tj ET Q q 0 0 0 rg BT 453.13 281.10 Td (other ) Tj ET Q q 0 0 0 rg BT 475.63 281.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 512.56 281.10 Td (instruments:) 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 50 255.76699218750002 m 309.453125 255.76699218750002 l s q 0 0 0 rg BT 50.00 257.10 Td (Cash ) Tj ET Q q 0 0 0 rg BT 71.73 257.10 Td (and ) Tj ET Q q 0 0 0 rg BT 87.90 257.10 Td (due ) Tj ET Q q 0 0 0 rg BT 104.06 257.10 Td (from ) Tj ET Q q 0 0 0 rg BT 125.23 257.10 Td (banks ) Tj ET Q q 0 0 0 rg BT 150.29 257.10 Td (and ) Tj ET Q q 0 0 0 rg BT 166.46 257.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 197.62 257.10 Td (earning ) Tj ET Q q 0 0 0 rg BT 229.33 257.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 263.84 257.10 Td (with ) Tj ET Q q 0 0 0 rg BT 283.34 257.10 Td (banks:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 309.45 257.10 Td ( ) Tj ET Q q 0 0 0 rg BT 311.06 257.10 Td (The ) Tj ET Q q 0 0 0 rg BT 328.33 257.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 363.38 257.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 398.99 257.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 434.04 257.10 Td (in ) Tj ET Q q 0 0 0 rg BT 443.54 257.10 Td (the ) Tj ET Q q 0 0 0 rg BT 457.49 257.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 489.75 257.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 512.02 257.10 Td (approximate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 245.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.38 245.10 Td (value.) 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 50 219.76699218750002 m 157.57080078125 219.76699218750002 l s q 0 0 0 rg BT 50.00 221.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 91.59 221.10 Td (held ) Tj ET Q q 0 0 0 rg BT 110.97 221.10 Td (to ) Tj ET Q q 0 0 0 rg BT 120.91 221.10 Td (maturity:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 157.57 221.10 Td ( ) Tj ET Q q 0 0 0 rg BT 159.73 221.10 Td ( ) Tj ET Q q 0 0 0 rg BT 161.74 221.10 Td (The ) Tj ET Q q 0 0 0 rg BT 179.44 221.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 195.48 221.10 Td (values ) Tj ET Q q 0 0 0 rg BT 223.19 221.10 Td (of ) Tj ET Q q 0 0 0 rg BT 233.68 221.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 273.60 221.10 Td (held ) Tj ET Q q 0 0 0 rg BT 292.98 221.10 Td (to ) Tj ET Q q 0 0 0 rg BT 302.92 221.10 Td (maturity ) Tj ET Q q 0 0 0 rg BT 338.96 221.10 Td (are ) Tj ET Q q 0 0 0 rg BT 353.33 221.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 400.47 221.10 Td (by ) Tj ET Q q 0 0 0 rg BT 412.63 221.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 442.01 221.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 468.05 221.10 Td (in ) Tj ET Q q 0 0 0 rg BT 477.99 221.10 Td (active ) Tj ET Q q 0 0 0 rg BT 504.02 221.10 Td (markets, ) Tj ET Q q 0 0 0 rg BT 540.33 221.10 Td (when ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 209.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 91.58 209.10 Td (and ) Tj ET Q q 0 0 0 rg BT 109.00 209.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 149.76 209.10 Td (as ) Tj ET Q q 0 0 0 rg BT 161.07 209.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 186.83 209.10 Td (1. ) Tj ET Q q 0 0 0 rg BT 197.31 209.10 Td (If ) Tj ET Q q 0 0 0 rg BT 206.96 209.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 237.17 209.10 Td (market ) Tj ET Q q 0 0 0 rg BT 267.92 209.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 294.79 209.10 Td (are ) Tj ET Q q 0 0 0 rg BT 309.98 209.10 Td (not ) Tj ET Q q 0 0 0 rg BT 325.75 209.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 367.32 209.10 Td (the ) Tj ET Q q 0 0 0 rg BT 382.53 209.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 399.39 209.10 Td (value ) Tj ET Q q 0 0 0 rg BT 424.04 209.10 Td (is ) Tj ET Q q 0 0 0 rg BT 433.70 209.10 Td (determined ) Tj ET Q q 0 0 0 rg BT 481.67 209.10 Td (by ) Tj ET Q q 0 0 0 rg BT 494.65 209.10 Td (a ) Tj ET Q q 0 0 0 rg BT 502.08 209.10 Td (matrix ) Tj ET Q q 0 0 0 rg BT 531.17 209.10 Td (pricing, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 197.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.31 197.10 Td (is ) Tj ET Q q 0 0 0 rg BT 84.84 197.10 Td (a ) Tj ET Q q 0 0 0 rg BT 91.15 197.10 Td (mathematical ) Tj ET Q q 0 0 0 rg BT 146.88 197.10 Td (technique ) Tj ET Q q 0 0 0 rg BT 187.61 197.10 Td (widely ) Tj ET Q q 0 0 0 rg BT 216.70 197.10 Td (used ) Tj ET Q q 0 0 0 rg BT 236.90 197.10 Td (in ) Tj ET Q q 0 0 0 rg BT 246.54 197.10 Td (the ) Tj ET Q q 0 0 0 rg BT 260.62 197.10 Td (industry ) Tj ET Q q 0 0 0 rg BT 295.27 197.10 Td (to ) Tj ET Q q 0 0 0 rg BT 304.91 197.10 Td (value ) Tj ET Q q 0 0 0 rg BT 328.44 197.10 Td (debt ) Tj ET Q q 0 0 0 rg BT 347.52 197.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 387.15 197.10 Td (without ) Tj ET Q q 0 0 0 rg BT 419.57 197.10 Td (relying ) Tj ET Q q 0 0 0 rg BT 449.76 197.10 Td (exclusively ) Tj ET Q q 0 0 0 rg BT 497.17 197.10 Td (on ) Tj ET Q q 0 0 0 rg BT 509.04 197.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 538.12 197.10 Td (prices ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 185.10 Td (for ) Tj ET Q q 0 0 0 rg BT 64.21 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 78.98 185.10 Td (specific ) Tj ET Q q 0 0 0 rg BT 112.62 185.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 152.94 185.10 Td (but ) Tj ET Q q 0 0 0 rg BT 168.27 185.10 Td (rather ) Tj ET Q q 0 0 0 rg BT 194.14 185.10 Td (by ) Tj ET Q q 0 0 0 rg BT 206.69 185.10 Td (relying ) Tj ET Q q 0 0 0 rg BT 237.56 185.10 Td (on ) Tj ET Q q 0 0 0 rg BT 250.11 185.10 Td (the ) Tj ET Q q 0 0 0 rg BT 264.88 185.10 Td (securities' ) Tj ET Q q 0 0 0 rg BT 307.00 185.10 Td (relationship ) Tj ET Q q 0 0 0 rg BT 356.76 185.10 Td (to ) Tj ET Q q 0 0 0 rg BT 367.09 185.10 Td (other ) Tj ET Q q 0 0 0 rg BT 390.19 185.10 Td (benchmark ) Tj ET Q q 0 0 0 rg BT 437.17 185.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 466.93 185.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 507.25 185.10 Td (and ) Tj ET Q q 0 0 0 rg BT 524.24 185.10 Td (classified ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 173.10 Td (as ) Tj ET Q q 0 0 0 rg BT 61.54 173.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 87.51 173.10 Td (2. ) Tj ET Q q 0 0 0 rg BT 98.22 173.10 Td (In ) Tj ET Q q 0 0 0 rg BT 109.76 173.10 Td (cases ) Tj ET Q q 0 0 0 rg BT 134.06 173.10 Td (where ) Tj ET Q q 0 0 0 rg BT 161.70 173.10 Td (significant ) Tj ET Q q 0 0 0 rg BT 207.12 173.10 Td (credit ) Tj ET Q q 0 0 0 rg BT 233.09 173.10 Td (valuation ) Tj ET Q q 0 0 0 rg BT 273.51 173.10 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 324.49 173.10 Td (are ) Tj ET Q q 0 0 0 rg BT 339.91 173.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 393.65 173.10 Td (into ) Tj ET Q q 0 0 0 rg BT 412.41 173.10 Td (the ) Tj ET Q q 0 0 0 rg BT 427.84 173.10 Td (estimation ) Tj ET Q q 0 0 0 rg BT 472.71 173.10 Td (of ) Tj ET Q q 0 0 0 rg BT 484.24 173.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 501.33 173.10 Td (value, ) Tj ET Q q 0 0 0 rg BT 528.69 173.10 Td (reported ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 161.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 86.39 161.10 Td (are ) Tj ET Q q 0 0 0 rg BT 101.09 161.10 Td (classified ) Tj ET Q q 0 0 0 rg BT 141.36 161.10 Td (as ) Tj ET Q q 0 0 0 rg BT 152.19 161.10 Td (Level ) Tj ET Q q 0 0 0 rg BT 177.45 161.10 Td (3.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 149.10 Td ( ) Tj ET Q q 0 0 0 rg BT 52.50 149.10 Td ( ) 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 50 135.76699218750002 m 255.5224609375 135.76699218750002 l s q 0 0 0 rg BT 50.00 137.10 Td (Non-marketable ) Tj ET Q q 0 0 0 rg BT 117.47 137.10 Td (securities ) Tj ET Q q 0 0 0 rg BT 157.73 137.10 Td (- ) Tj ET Q q 0 0 0 rg BT 163.56 137.10 Td (FHLB ) Tj ET Q q 0 0 0 rg BT 191.63 137.10 Td (and ) Tj ET Q q 0 0 0 rg BT 208.56 137.10 Td (FRB ) Tj ET Q q 0 0 0 rg BT 229.97 137.10 Td (Stock:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 255.52 137.10 Td ( ) Tj ET Q q 0 0 0 rg BT 257.84 137.10 Td (The ) Tj ET Q q 0 0 0 rg BT 275.89 137.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 311.70 137.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 348.09 137.10 Td (reported ) Tj ET Q q 0 0 0 rg BT 383.91 137.10 Td (in ) Tj ET Q q 0 0 0 rg BT 394.18 137.10 Td (the ) Tj ET Q q 0 0 0 rg BT 408.90 137.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 441.93 137.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 464.98 137.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 517.46 137.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 533.84 137.10 Td (value.) 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 50 111.76699218750002 m 74.4384765625 111.76699218750002 l s q 0 0 0 rg BT 50.00 113.10 Td (Loans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 74.44 113.10 Td (: ) Tj ET Q q 0 0 0 rg BT 79.68 113.10 Td (The ) Tj ET Q q 0 0 0 rg BT 97.88 113.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 114.41 113.10 Td (values ) Tj ET Q q 0 0 0 rg BT 142.61 113.10 Td (for ) Tj ET Q q 0 0 0 rg BT 156.92 113.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 180.68 113.10 Td (are ) Tj ET Q q 0 0 0 rg BT 195.54 113.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 236.51 113.10 Td (using ) Tj ET Q q 0 0 0 rg BT 260.84 113.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 306.81 113.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 327.24 113.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 348.22 113.10 Td (analyses, ) Tj ET Q q 0 0 0 rg BT 387.25 113.10 Td (using ) Tj ET Q q 0 0 0 rg BT 411.57 113.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.44 113.10 Td (corporate ) Tj ET Q q 0 0 0 rg BT 466.85 113.10 Td (bond ) Tj ET Q q 0 0 0 rg BT 489.50 113.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 514.36 113.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 550.34 113.10 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 101.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 86.39 101.10 Td (for ) Tj ET Q q 0 0 0 rg BT 100.55 101.10 Td (commercial ) Tj ET Q q 0 0 0 rg BT 150.25 101.10 Td (loans ) Tj ET Q q 0 0 0 rg BT 173.86 101.10 Td (and ) Tj ET Q q 0 0 0 rg BT 190.80 101.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.51 101.10 Td (swap ) Tj ET Q q 0 0 0 rg BT 228.56 101.10 Td (curve ) Tj ET Q q 0 0 0 rg BT 253.27 101.10 Td (adjusted ) Tj ET Q q 0 0 0 rg BT 289.10 101.10 Td (for ) Tj ET Q q 0 0 0 rg BT 303.26 101.10 Td (liquidity ) Tj ET Q q 0 0 0 rg BT 339.65 101.10 Td (for ) Tj ET Q q 0 0 0 rg BT 353.81 101.10 Td (retail ) Tj ET Q q 0 0 0 rg BT 376.85 101.10 Td (loans.) 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 50 75.76699218750002 m 168.6845703125 75.76699218750002 l s q 0 0 0 rg BT 50.00 77.10 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 102.95 77.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 135.91 77.10 Td (deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.68 77.10 Td (: ) Tj ET Q q 0 0 0 rg BT 174.22 77.10 Td (The ) Tj ET Q q 0 0 0 rg BT 192.73 77.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 209.58 77.10 Td (values ) Tj ET Q q 0 0 0 rg BT 238.09 77.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 278.27 77.10 Td (are ) Tj ET Q q 0 0 0 rg BT 293.45 77.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 318.07 77.10 Td (to ) Tj ET Q q 0 0 0 rg BT 328.82 77.10 Td (their ) Tj ET Q q 0 0 0 rg BT 350.11 77.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 383.61 77.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 407.13 77.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 443.41 77.10 Td (amounts, ) Tj ET Q q 0 0 0 rg BT 482.76 77.10 Td (which ) Tj ET Q q 0 0 0 rg BT 510.17 77.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 549.78 77.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 65.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 82.50 65.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 116.09 65.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.59 65.10 Td (demand.) Tj ET Q endstream endobj 265 0 obj <> endobj 266 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (132) 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 50 740.7669921875 m 148.5986328125 740.7669921875 l s q 0 0 0 rg BT 50.00 742.10 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.91 742.10 Td (bearing ) Tj ET Q q 0 0 0 rg BT 115.82 742.10 Td (deposits) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.60 742.10 Td (: ) Tj ET Q q 0 0 0 rg BT 154.09 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 172.56 742.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 189.36 742.10 Td (values ) Tj ET Q q 0 0 0 rg BT 217.84 742.10 Td (disclosed ) Tj ET Q q 0 0 0 rg BT 257.98 742.10 Td (for ) Tj ET Q q 0 0 0 rg BT 272.56 742.10 Td (deposits ) Tj ET Q q 0 0 0 rg BT 308.27 742.10 Td (with ) Tj ET Q q 0 0 0 rg BT 328.97 742.10 Td (no ) Tj ET Q q 0 0 0 rg BT 341.89 742.10 Td (defined ) Tj ET Q q 0 0 0 rg BT 374.80 742.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 417.72 742.10 Td (are ) Tj ET Q q 0 0 0 rg BT 432.85 742.10 Td (equal ) Tj ET Q q 0 0 0 rg BT 457.43 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 468.13 742.10 Td (their ) Tj ET Q q 0 0 0 rg BT 489.38 742.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 525.62 742.10 Td (amounts, ) 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 77.46 730.10 Td (represent ) Tj ET Q q 0 0 0 rg BT 117.13 730.10 Td (the ) Tj ET Q q 0 0 0 rg BT 132.37 730.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 169.28 730.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 203.40 730.10 Td (on ) Tj ET Q q 0 0 0 rg BT 216.42 730.10 Td (demand. ) Tj ET Q q 0 0 0 rg BT 253.60 730.10 Td ( ) Tj ET Q q 0 0 0 rg BT 256.63 730.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 275.76 730.10 Td (values ) Tj ET Q q 0 0 0 rg BT 304.33 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 319.02 730.10 Td (certificates ) Tj ET Q q 0 0 0 rg BT 365.90 730.10 Td (of ) Tj ET Q q 0 0 0 rg BT 377.25 730.10 Td (deposit ) Tj ET Q q 0 0 0 rg BT 409.16 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 424.39 730.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 465.74 730.10 Td (using ) Tj ET Q q 0 0 0 rg BT 490.43 730.10 Td (a ) Tj ET Q q 0 0 0 rg BT 497.89 730.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 544.24 730.10 Td (cash ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 70.83 718.10 Td (calculation ) Tj ET Q q 0 0 0 rg BT 117.20 718.10 Td (that ) Tj ET Q q 0 0 0 rg BT 134.69 718.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 165.52 718.10 Td (the ) Tj ET Q q 0 0 0 rg BT 180.23 718.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 227.31 718.10 Td (current ) Tj ET Q q 0 0 0 rg BT 258.13 718.10 Td (incremental ) Tj ET Q q 0 0 0 rg BT 307.83 718.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 351.99 718.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 373.36 718.10 Td (for ) Tj ET Q q 0 0 0 rg BT 387.52 718.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 417.80 718.10 Td (terms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td () 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 50 692.7669921875 m 142.044921875 692.7669921875 l s q 0 0 0 rg BT 50.00 694.10 Td (Short-term ) Tj ET Q q 0 0 0 rg BT 96.49 694.10 Td (borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 142.04 694.10 Td (: ) Tj ET Q q 0 0 0 rg BT 147.76 694.10 Td (The ) Tj ET Q q 0 0 0 rg BT 166.48 694.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 202.96 694.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 240.02 694.10 Td (of ) Tj ET Q q 0 0 0 rg BT 251.51 694.10 Td (federal ) Tj ET Q q 0 0 0 rg BT 282.44 694.10 Td (funds ) Tj ET Q q 0 0 0 rg BT 307.82 694.10 Td (purchased, ) Tj ET Q q 0 0 0 rg BT 354.03 694.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 402.75 694.10 Td (under ) Tj ET Q q 0 0 0 rg BT 428.69 694.10 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 475.16 694.10 Td (agreements ) Tj ET Q q 0 0 0 rg BT 523.86 694.10 Td (and ) Tj ET Q q 0 0 0 rg BT 541.47 694.10 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 94.32 682.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 142.53 682.10 Td (with ) Tj ET Q q 0 0 0 rg BT 162.97 682.10 Td (maturities ) Tj ET Q q 0 0 0 rg BT 205.62 682.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 216.61 682.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 226.61 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 229.27 682.10 Td (days ) Tj ET Q q 0 0 0 rg BT 250.26 682.10 Td (or ) Tj ET Q q 0 0 0 rg BT 261.25 682.10 Td (less ) Tj ET Q q 0 0 0 rg BT 278.91 682.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 331.55 682.10 Td (their ) Tj ET Q q 0 0 0 rg BT 352.53 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 369.07 682.10 Td (values. ) Tj ET Q q 0 0 0 rg BT 402.08 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 420.29 682.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 436.83 682.10 Td (value ) Tj ET Q q 0 0 0 rg BT 461.14 682.10 Td (of ) Tj ET Q q 0 0 0 rg BT 472.13 682.10 Td (short-term ) Tj ET Q q 0 0 0 rg BT 516.45 682.10 Td (borrowings ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (greater ) Tj ET Q q 0 0 0 rg BT 80.25 670.10 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 99.97 670.10 Td (90) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 109.97 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 112.47 670.10 Td (days ) Tj ET Q q 0 0 0 rg BT 133.30 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 142.47 670.10 Td (based ) Tj ET Q q 0 0 0 rg BT 167.74 670.10 Td (on ) Tj ET Q q 0 0 0 rg BT 180.24 670.10 Td (the ) Tj ET Q q 0 0 0 rg BT 194.96 670.10 Td (discounted ) Tj ET Q q 0 0 0 rg BT 240.78 670.10 Td (value ) Tj ET Q q 0 0 0 rg BT 264.94 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 275.77 670.10 Td (contractual ) Tj ET Q q 0 0 0 rg BT 322.69 670.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 342.95 670.10 Td (flows.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td () 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 50 644.7669921875 m 139.765625 644.7669921875 l s q 0 0 0 rg BT 50.00 646.10 Td (Long-term ) Tj ET Q q 0 0 0 rg BT 94.21 646.10 Td (borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 139.77 646.10 Td (: ) Tj ET Q q 0 0 0 rg BT 143.89 646.10 Td (The ) Tj ET Q q 0 0 0 rg BT 160.89 646.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 176.21 646.10 Td (values ) Tj ET Q q 0 0 0 rg BT 203.21 646.10 Td (of ) Tj ET Q q 0 0 0 rg BT 212.99 646.10 Td (the ) Tj ET Q q 0 0 0 rg BT 226.66 646.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 272.69 646.10 Td (long-term ) Tj ET Q q 0 0 0 rg BT 313.57 646.10 Td (borrowings ) Tj ET Q q 0 0 0 rg BT 360.57 646.10 Td (\(other ) Tj ET Q q 0 0 0 rg BT 385.90 646.10 Td (than ) Tj ET Q q 0 0 0 rg BT 404.57 646.10 Td (deposits\) ) Tj ET Q q 0 0 0 rg BT 442.13 646.10 Td (are ) Tj ET Q q 0 0 0 rg BT 455.78 646.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 495.55 646.10 Td (using ) Tj ET Q q 0 0 0 rg BT 518.67 646.10 Td (discounted ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.10 Td (cash ) Tj ET Q q 0 0 0 rg BT 70.27 634.10 Td (flow ) Tj ET Q q 0 0 0 rg BT 91.10 634.10 Td (analyses, ) Tj ET Q q 0 0 0 rg BT 129.98 634.10 Td (based ) Tj ET Q q 0 0 0 rg BT 155.24 634.10 Td (on ) Tj ET Q q 0 0 0 rg BT 167.74 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.46 634.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 229.54 634.10 Td (current ) Tj ET Q q 0 0 0 rg BT 260.36 634.10 Td (incremental ) Tj ET Q q 0 0 0 rg BT 310.05 634.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 354.21 634.10 Td (rates ) Tj ET Q q 0 0 0 rg BT 375.59 634.10 Td (for ) Tj ET Q q 0 0 0 rg BT 389.75 634.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 420.02 634.10 Td (types ) Tj ET Q q 0 0 0 rg BT 443.63 634.10 Td (of ) Tj ET Q q 0 0 0 rg BT 454.46 634.10 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 498.62 634.10 Td (arrangements.) 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 50 608.7669921875 m 246.9970703125 608.7669921875 l s q 0 0 0 rg BT 50.00 610.10 Td (Junior ) Tj ET Q q 0 0 0 rg BT 78.02 610.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 132.70 610.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 156.83 610.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 184.85 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 195.65 610.10 Td (capital ) Tj ET Q q 0 0 0 rg BT 225.33 610.10 Td (trusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 247.00 610.10 Td (: ) Tj ET Q q 0 0 0 rg BT 252.58 610.10 Td (The ) Tj ET Q q 0 0 0 rg BT 271.15 610.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 288.05 610.10 Td (values ) Tj ET Q q 0 0 0 rg BT 316.62 610.10 Td (of ) Tj ET Q q 0 0 0 rg BT 327.97 610.10 Td (the ) Tj ET Q q 0 0 0 rg BT 343.21 610.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 390.81 610.10 Td (junior ) Tj ET Q q 0 0 0 rg BT 417.72 610.10 Td (subordinated ) Tj ET Q q 0 0 0 rg BT 472.40 610.10 Td (notes ) Tj ET Q q 0 0 0 rg BT 496.53 610.10 Td (issued ) Tj ET Q q 0 0 0 rg BT 524.55 610.10 Td (to ) Tj ET Q q 0 0 0 rg BT 535.35 610.10 Td (capital ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (trusts ) Tj ET Q q 0 0 0 rg BT 74.29 598.10 Td (are ) Tj ET Q q 0 0 0 rg BT 89.11 598.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 130.05 598.10 Td (based ) Tj ET Q q 0 0 0 rg BT 155.43 598.10 Td (on ) Tj ET Q q 0 0 0 rg BT 168.05 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 182.88 598.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 212.71 598.10 Td (market ) Tj ET Q q 0 0 0 rg BT 243.09 598.10 Td (prices, ) Tj ET Q q 0 0 0 rg BT 272.09 598.10 Td (when ) Tj ET Q q 0 0 0 rg BT 296.36 598.10 Td (available, ) Tj ET Q q 0 0 0 rg BT 337.57 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 348.51 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 363.35 598.10 Td (related ) Tj ET Q q 0 0 0 rg BT 393.17 598.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 413.56 598.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 452.81 598.10 Td (security ) Tj ET Q q 0 0 0 rg BT 487.08 598.10 Td (instruments, ) Tj ET Q q 0 0 0 rg BT 538.86 598.10 Td (or ) Tj ET Q q 0 0 0 rg BT 549.81 598.10 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 90.82 586.10 Td (based ) Tj ET Q q 0 0 0 rg BT 116.09 586.10 Td (on ) Tj ET Q q 0 0 0 rg BT 128.59 586.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.31 586.10 Td (quoted ) Tj ET Q q 0 0 0 rg BT 173.02 586.10 Td (market ) Tj ET Q q 0 0 0 rg BT 203.29 586.10 Td (prices ) Tj ET Q q 0 0 0 rg BT 229.66 586.10 Td (of ) Tj ET Q q 0 0 0 rg BT 240.49 586.10 Td (comparable ) Tj ET Q q 0 0 0 rg BT 289.63 586.10 Td (trust ) Tj ET Q q 0 0 0 rg BT 309.91 586.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 349.05 586.10 Td (securities.) 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 50 560.7669921875 m 115.80078125 560.7669921875 l s q 0 0 0 rg BT 50.00 562.10 Td (Accrued ) Tj ET Q q 0 0 0 rg BT 86.37 562.10 Td (interest) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 115.80 562.10 Td (: ) Tj ET Q q 0 0 0 rg BT 121.08 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 123.40 562.10 Td (The ) Tj ET Q q 0 0 0 rg BT 141.45 562.10 Td (carrying ) Tj ET Q q 0 0 0 rg BT 177.26 562.10 Td (amount ) Tj ET Q q 0 0 0 rg BT 209.76 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 220.59 562.10 Td (accrued ) Tj ET Q q 0 0 0 rg BT 254.17 562.10 Td (interest ) Tj ET Q q 0 0 0 rg BT 286.10 562.10 Td (receivable ) Tj ET Q q 0 0 0 rg BT 329.68 562.10 Td (and ) Tj ET Q q 0 0 0 rg BT 346.62 562.10 Td (payable ) Tj ET Q q 0 0 0 rg BT 380.21 562.10 Td (approximate ) Tj ET Q q 0 0 0 rg BT 432.70 562.10 Td (their ) Tj ET Q q 0 0 0 rg BT 453.52 562.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 469.90 562.10 Td (values.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td () 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 50 536.7669921875 m 169.818359375 536.7669921875 l s q 0 0 0 rg BT 50.00 538.10 Td (Of) Tj ET Q q 0 0 0 rg BT 60.37 538.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 123.15 538.10 Td (instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 169.82 538.10 Td (: ) Tj ET Q q 0 0 0 rg BT 174.31 538.10 Td (Fair ) Tj ET Q q 0 0 0 rg BT 192.13 538.10 Td (values ) Tj ET Q q 0 0 0 rg BT 219.39 538.10 Td (for ) Tj ET Q q 0 0 0 rg BT 232.76 538.10 Td (the ) Tj ET Q q 0 0 0 rg BT 246.69 538.10 Td (Company) Tj ET Q q 0 0 0 rg BT 288.36 538.10 Td (s ) Tj ET Q q 0 0 0 rg BT 293.96 538.10 Td (of) Tj ET Q q 0 0 0 rg BT 302.11 538.10 Td (f-balance-sheet ) Tj ET Q q 0 0 0 rg BT 364.89 538.10 Td (lending ) Tj ET Q q 0 0 0 rg BT 396.60 538.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 452.75 538.10 Td (\(guarantees, ) Tj ET Q q 0 0 0 rg BT 503.05 538.10 Td (letters ) Tj ET Q q 0 0 0 rg BT 529.20 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 539.24 538.10 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.10 Td (and ) Tj ET Q q 0 0 0 rg BT 67.12 526.10 Td (commitments ) Tj ET Q q 0 0 0 rg BT 124.24 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 134.70 526.10 Td (extend ) Tj ET Q q 0 0 0 rg BT 164.04 526.10 Td (credit\) ) Tj ET Q q 0 0 0 rg BT 192.82 526.10 Td (are ) Tj ET Q q 0 0 0 rg BT 207.71 526.10 Td (based ) Tj ET Q q 0 0 0 rg BT 233.16 526.10 Td (on ) Tj ET Q q 0 0 0 rg BT 245.84 526.10 Td (fees ) Tj ET Q q 0 0 0 rg BT 264.63 526.10 Td (currently ) Tj ET Q q 0 0 0 rg BT 303.40 526.10 Td (char) Tj ET Q q 0 0 0 rg BT 320.43 526.10 Td (ged ) Tj ET Q q 0 0 0 rg BT 337.55 526.10 Td (to ) Tj ET Q q 0 0 0 rg BT 348.01 526.10 Td (enter ) Tj ET Q q 0 0 0 rg BT 370.68 526.10 Td (into ) Tj ET Q q 0 0 0 rg BT 388.92 526.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 419.38 526.10 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 470.09 526.10 Td (taking ) Tj ET Q q 0 0 0 rg BT 497.77 526.10 Td (into ) Tj ET Q q 0 0 0 rg BT 516.01 526.10 Td (account ) Tj ET Q q 0 0 0 rg BT 549.79 526.10 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.10 Td (remaining ) Tj ET Q q 0 0 0 rg BT 93.04 514.10 Td (terms ) Tj ET Q q 0 0 0 rg BT 117.76 514.10 Td (of ) Tj ET Q q 0 0 0 rg BT 128.59 514.10 Td (the ) Tj ET Q q 0 0 0 rg BT 143.31 514.10 Td (agreements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.10 Td () 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 68.05 490.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 108.87 490.10 Td (fair ) Tj ET Q q 0 0 0 rg BT 125.24 490.10 Td (values ) Tj ET Q q 0 0 0 rg BT 153.29 490.10 Td (of ) Tj ET Q q 0 0 0 rg BT 164.12 490.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 201.60 490.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 250.77 490.10 Td (are ) Tj ET Q q 0 0 0 rg BT 265.47 490.10 Td (as ) Tj ET Q q 0 0 0 rg BT 276.30 490.10 Td (follows ) Tj ET Q q 0 0 0 rg BT 308.80 490.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 322.41 490.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 405.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 405.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 405.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 405.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 405.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 405.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 405.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 405.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 375.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 375.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 375.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 375.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 375.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 375.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 375.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 375.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 345.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 345.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 345.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 345.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 345.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 345.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 345.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 345.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 315.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 315.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 315.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 315.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 315.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 315.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 315.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 315.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 285.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 285.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 285.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 285.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 285.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 285.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 285.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 285.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 255.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 255.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 255.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 255.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 255.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 255.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 255.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 255.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 225.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 225.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 225.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 225.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 225.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 225.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 225.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 225.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 195.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 195.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 195.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 195.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 195.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 195.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 195.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 195.60 70.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 165.60 179.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 228.50 165.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 232.50 165.60 49.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 281.50 165.60 4.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 285.50 165.60 54.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 339.50 165.60 84.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 165.60 68.00 -15.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 491.50 165.60 70.00 -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 232.5 457.6 m 281.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 281.5 457.6 m 285.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 457.6 m 339.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 457.6 m 423.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 457.6 m 491.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 457.6 m 561.5 457.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 232.5 410.6 m 281.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 285.5 410.6 m 339.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 339.5 410.6 m 423.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 410.6 m 491.5 410.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 491.5 410.6 m 561.5 410.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 364.25 461.83 Td (December31, 2016) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 242.65 421.66 Td (Carrying) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 244.20 414.66 Td (Amount) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 289.60 421.66 Td (Estimated Fair) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 303.55 414.66 Td (Value) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 345.90 428.66 Td (QuotedPricesin) Tj ET Q q 0 0 0 rg BT 397.04 428.66 Td (Active) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 348.95 421.66 Td (Marketsfor) Tj ET Q q 0 0 0 rg BT 384.78 421.66 Td (Identical) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 357.65 414.66 Td (Assets\(Level1\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 431.10 428.66 Td (SignificantOther) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 429.25 421.66 Td (ObservableInputs) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 443.85 414.66 Td (\(Level2\)) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 509.85 428.66 Td (Significant) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 494.75 421.66 Td (UnobservableInputs) Tj ET Q BT /F2 7.00 Tf ET q 0 0 0 rg BT 512.85 414.66 Td (\(Level3\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 394.85 Td (Financial Assets:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 379.85 Td ( Cash and due from banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 235.00 379.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.25 379.85 Td (364,783) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 288.00 379.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 310.25 379.85 Td (364,783) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.00 379.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 394.30 379.85 Td (364,783) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 426.00 379.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 379.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 494.00 379.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 379.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 364.85 Td ( Interest bearing deposits with banks) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 256.25 364.85 Td (98,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 314.25 364.85 Td (98,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.30 364.85 Td (98,686) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 364.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 364.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 349.85 Td ( Investment securities available for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 246.25 349.85 Td (1,696,195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.25 349.85 Td (1,696,195) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 398.30 349.85 Td (10,828) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 349.85 Td (1,684,823) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 546.30 349.85 Td (544) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 334.85 Td ( Investment securities held to maturity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 246.25 334.85 Td (1,069,750) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.25 334.85 Td (1,093,740) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 334.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 456.30 334.85 Td (1,093,740) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 334.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 319.85 Td ( Non-marketable securities - FHLB and FRB stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.25 319.85 Td (143,276) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 310.25 319.85 Td (143,276) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 319.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 480.30 319.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 532.30 319.85 Td (143,276) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 52.00 304.85 Td ( Loans held for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 252.25 304.85 Td (716,883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 310.25 304.85 Td (716,883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 412.30 304.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 462.30 304.85 Td (716,883) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 550.30 304.85 Td () Tj ET Q BT 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securities available for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 637.75 Td (1,585,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 637.75 Td (1,585,023) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.30 637.75 Td (10,761) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.30 637.75 Td (1,573,489) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 547.30 637.75 Td (773) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 625.45 Td (Investment securities held to maturity) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 623.75 Td (1,230,810) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 623.75 Td (1,274,767) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 623.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 458.30 623.75 Td (1,274,767) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 623.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 611.45 Td (Non-marketable securities - FHLB and FRB stock) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 609.75 Td (114,233) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.25 609.75 Td (114,233) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 609.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 609.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 609.75 Td (114,233) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 597.45 Td (Loans held for sale) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 595.75 Td (744,727) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.25 595.75 Td (744,727) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 595.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 464.30 595.75 Td (744,727) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 595.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 583.45 Td (Loans, net) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 581.75 Td (9,665,858) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 581.75 Td (9,626,344) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 581.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 581.75 Td (25,869) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 581.75 Td (9,600,475) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 569.45 Td (Accrued interest receivable) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.25 567.75 Td (53,457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 567.75 Td (53,457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 400.30 567.75 Td (53,457) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 567.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 567.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 555.45 Td (Derivative financial instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.25 553.75 Td (42,846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 553.75 Td (42,846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.30 553.75 Td (5,118) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 553.75 Td (33,906) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 541.30 553.75 Td (3,822) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 541.45 Td (Financial Liabilities:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.00 539.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.00 539.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 527.45 Td (Non-interest bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 237.00 525.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 525.75 Td (4,627,184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.00 525.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 525.75 Td (4,627,184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 344.00 525.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 390.30 525.75 Td (4,627,184) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 428.00 525.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 525.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 496.00 525.75 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 525.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 513.45 Td (Interest bearing deposits) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 511.75 Td (6,878,031) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 511.75 Td (6,875,411) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 511.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 511.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 511.75 Td (6,875,411) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 499.45 Td (Short-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 248.25 497.75 Td (1,005,737) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 306.25 497.75 Td (1,005,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 497.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 497.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 527.30 497.75 Td (1,005,705) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 485.45 Td (Long-term borrowings) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 483.75 Td (400,274) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.25 483.75 Td (401,539) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 483.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 483.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 483.75 Td (401,539) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 471.45 Td (Junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 254.25 469.75 Td (186,164) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.25 469.75 Td (122,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 414.30 469.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 469.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 533.30 469.75 Td (122,696) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 457.45 Td (Accrued interest payable) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 262.25 455.75 Td (3,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 320.30 455.75 Td (3,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.30 455.75 Td (3,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 482.30 455.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 455.75 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 59.00 443.45 Td (Derivative financial instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 258.25 441.75 Td (36,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 316.25 441.75 Td (36,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 404.30 441.75 Td (6,050) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 468.30 441.75 Td (30,924) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 441.75 Td () Tj ET Q BT /F1 10.00 Tf ET endstream endobj 269 0 obj <> endobj 270 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (134) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 19. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Stock Incentive Plans) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (ASC ) Tj ET Q q 0 0 0 rg BT 71.48 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 76.89 718.25 Td (opic ) Tj ET Q q 0 0 0 rg BT 96.28 718.25 Td (718 ) Tj ET Q q 0 0 0 rg BT 113.46 718.25 Td (requires ) Tj ET Q q 0 0 0 rg BT 147.85 718.25 Td (that ) Tj ET Q q 0 0 0 rg BT 165.03 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 179.42 718.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 202.15 718.25 Td (date ) Tj ET Q q 0 0 0 rg BT 220.98 718.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 237.04 718.25 Td (value ) Tj ET Q q 0 0 0 rg BT 260.88 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 271.39 718.25 Td (equity ) Tj ET Q q 0 0 0 rg BT 298.56 718.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 329.06 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 339.02 718.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 383.97 718.25 Td (be ) Tj ET Q q 0 0 0 rg BT 395.58 718.25 Td (recognized ) Tj ET Q q 0 0 0 rg BT 441.63 718.25 Td (as ) Tj ET Q q 0 0 0 rg BT 452.14 718.25 Td (compensation ) Tj ET Q q 0 0 0 rg BT 509.86 718.25 Td (expense ) Tj ET Q q 0 0 0 rg BT 544.25 718.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.72 706.25 Td (period ) Tj ET Q q 0 0 0 rg BT 92.76 706.25 Td (during ) Tj ET Q q 0 0 0 rg BT 121.37 706.25 Td (which ) Tj ET Q q 0 0 0 rg BT 148.31 706.25 Td (an ) Tj ET Q q 0 0 0 rg BT 160.25 706.25 Td (employee ) Tj ET Q q 0 0 0 rg BT 201.62 706.25 Td (is ) Tj ET Q q 0 0 0 rg BT 210.79 706.25 Td (required ) Tj ET Q q 0 0 0 rg BT 246.61 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 256.88 706.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 289.93 706.25 Td (service ) Tj ET Q q 0 0 0 rg BT 320.75 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 331.03 706.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 371.28 706.25 Td (for ) Tj ET Q q 0 0 0 rg BT 385.44 706.25 Td (such ) Tj ET Q q 0 0 0 rg BT 406.27 706.25 Td (award.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td () 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 67.30 682.25 Td (following ) Tj ET Q q 0 0 0 rg BT 107.94 682.25 Td (table ) Tj ET Q q 0 0 0 rg BT 129.13 682.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 178.65 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 192.62 682.25 Td (impact ) Tj ET Q q 0 0 0 rg BT 221.59 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 231.68 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.65 682.25 Td (Company) Tj ET Q q 0 0 0 rg BT 287.31 682.25 Td (s ) Tj ET Q q 0 0 0 rg BT 292.96 682.25 Td (share-based ) Tj ET Q q 0 0 0 rg BT 341.91 682.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 378.10 682.25 Td (plans ) Tj ET Q q 0 0 0 rg BT 400.97 682.25 Td (in ) Tj ET Q q 0 0 0 rg BT 410.50 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 424.47 682.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 461.21 682.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 505.18 682.25 Td (for ) Tj ET Q q 0 0 0 rg BT 518.59 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 532.56 682.25 Td (periods ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (shown ) Tj ET Q q 0 0 0 rg BT 78.61 670.25 Td (\(in ) Tj ET Q q 0 0 0 rg BT 92.22 670.25 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 623.75 338.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 388.50 623.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 392.50 623.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 446.50 623.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 450.50 623.75 54.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 504.50 623.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 508.50 623.75 54.00 -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 392.5 635.75 m 446.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 446.5 635.75 m 450.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 635.75 m 504.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 504.5 635.75 m 508.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 635.75 m 562.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 635.75 m 446.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 392.5 623.75 m 446.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 635.75 m 504.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 450.5 623.75 m 504.5 623.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 635.75 m 562.5 635.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 508.5 623.75 m 562.5 623.75 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 638.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 432.70 639.83 Td (YearEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 626.47 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 411.00 627.83 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 469.00 627.83 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 527.00 627.83 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 614.32 Td (Total compensation expense for share-based payment plans during the year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.00 614.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 415.15 614.32 Td (16,868) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.00 614.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.15 614.32 Td (14,123) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 511.00 614.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 614.32 Td (8,974) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 600.32 Td (Amount of related income tax benefit recognized in income) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 420.15 600.32 Td (8,983) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 478.15 600.32 Td (5,515) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 600.32 Td (3,528) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 584.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 572.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.35 572.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.04 572.25 Td (adopted ) Tj ET Q q 0 0 0 rg BT 141.51 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.53 572.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 194.00 572.25 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 233.01 572.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 252.60 572.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 269.95 572.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 312.86 572.25 Td (Plan\) ) Tj ET Q q 0 0 0 rg BT 340.21 572.25 Td (in ) Tj ET Q q 0 0 0 rg BT 349.80 572.25 Td (1997. ) Tj ET Q q 0 0 0 rg BT 376.60 572.25 Td (On ) Tj ET Q q 0 0 0 rg BT 390.63 572.25 Td (May ) Tj ET Q q 0 0 0 rg BT 410.77 572.25 Td (28,2014, ) Tj ET Q q 0 0 0 rg BT 450.07 572.25 Td (the ) Tj ET Q q 0 0 0 rg BT 464.10 572.25 Td (Company) Tj ET Q q 0 0 0 rg BT 505.76 572.25 Td (s ) Tj ET Q q 0 0 0 rg BT 511.46 572.25 Td (stockholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 560.25 Td (approved ) Tj ET Q q 0 0 0 rg BT 89.59 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 104.19 560.25 Td (third ) Tj ET Q q 0 0 0 rg BT 125.46 560.25 Td (amendment ) Tj ET Q q 0 0 0 rg BT 174.49 560.25 Td (and ) Tj ET Q q 0 0 0 rg BT 191.31 560.25 Td (restatement ) Tj ET Q q 0 0 0 rg BT 239.79 560.25 Td (of ) Tj ET Q q 0 0 0 rg BT 250.50 560.25 Td (the ) Tj ET Q q 0 0 0 rg BT 265.10 560.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 304.15 560.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 324.31 560.25 Td (to ) Tj ET Q q 0 0 0 rg BT 334.47 560.25 Td (add ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.29 560.25 Td (3,100,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.29 560.25 Td ( ) Tj ET Q q 0 0 0 rg BT 393.68 560.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 438.26 560.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 465.63 560.25 Td (for ) Tj ET Q q 0 0 0 rg BT 479.68 560.25 Td (a ) Tj ET Q q 0 0 0 rg BT 486.50 560.25 Td (total ) Tj ET Q q 0 0 0 rg BT 506.66 560.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.37 560.25 Td (1) Tj ET Q q 0 0 0 rg BT 522.00 560.25 Td (1,400,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 560.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 548.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 77.80 548.25 Td (of ) Tj ET Q q 0 0 0 rg BT 88.95 548.25 Td (common ) Tj ET Q q 0 0 0 rg BT 126.75 548.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 150.67 548.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 195.69 548.25 Td (to ) Tj ET Q q 0 0 0 rg BT 206.28 548.25 Td (be ) Tj ET Q q 0 0 0 rg BT 218.53 548.25 Td (utilized ) Tj ET Q q 0 0 0 rg BT 251.33 548.25 Td (in ) Tj ET Q q 0 0 0 rg BT 261.92 548.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 308.61 548.25 Td (with ) Tj ET Q q 0 0 0 rg BT 329.20 548.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 360.33 548.25 Td (under ) Tj ET Q q 0 0 0 rg BT 385.91 548.25 Td (the ) Tj ET Q q 0 0 0 rg BT 400.94 548.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 440.42 548.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 461.02 548.25 Td (to ) Tj ET Q q 0 0 0 rg BT 471.61 548.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 511.90 548.25 Td (of) Tj ET Q q 0 0 0 rg BT 520.05 548.25 Td (ficers, ) Tj ET Q q 0 0 0 rg BT 547.57 548.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 536.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 95.80 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 107.16 536.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.41 536.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 164.33 536.25 Td (or ) Tj ET Q q 0 0 0 rg BT 175.69 536.25 Td (any ) Tj ET Q q 0 0 0 rg BT 193.16 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 204.52 536.25 Td (its ) Tj ET Q q 0 0 0 rg BT 217.00 536.25 Td (subsidiaries. ) Tj ET Q q 0 0 0 rg BT 269.75 536.25 Td ( ) Tj ET Q q 0 0 0 rg BT 272.56 536.25 Td (The ) Tj ET Q q 0 0 0 rg BT 291.14 536.25 Td (number ) Tj ET Q q 0 0 0 rg BT 324.72 536.25 Td (of ) Tj ET Q q 0 0 0 rg BT 336.08 536.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 364.11 536.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 409.34 536.25 Td (increased ) Tj ET Q q 0 0 0 rg BT 450.13 536.25 Td (by ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.16 536.25 Td (2,400,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.16 536.25 Td ( ) Tj ET Q q 0 0 0 rg BT 506.19 536.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.00 536.25 Td (13,800,000) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 524.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 71.77 524.25 Td (completion ) Tj ET Q q 0 0 0 rg BT 118.53 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.62 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 142.48 524.25 Td (T) Tj ET Q q 0 0 0 rg BT 147.89 524.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 170.20 524.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 200.85 524.25 Td (mer) Tj ET Q q 0 0 0 rg BT 216.22 524.25 Td (ger) Tj ET Q q 0 0 0 rg BT 228.44 524.25 Td (.Equity ) Tj ET Q q 0 0 0 rg BT 264.37 524.25 Td (grants ) Tj ET Q q 0 0 0 rg BT 290.58 524.25 Td (under ) Tj ET Q q 0 0 0 rg BT 315.11 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 329.10 524.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 367.53 524.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 387.08 524.25 Td (can ) Tj ET Q q 0 0 0 rg BT 402.72 524.25 Td (be ) Tj ET Q q 0 0 0 rg BT 413.93 524.25 Td (in ) Tj ET Q q 0 0 0 rg BT 423.48 524.25 Td (the ) Tj ET Q q 0 0 0 rg BT 437.46 524.25 Td (form ) Tj ET Q q 0 0 0 rg BT 458.67 524.25 Td (of ) Tj ET Q q 0 0 0 rg BT 468.76 524.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 507.18 524.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 530.06 524.25 Td (options, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 512.25 Td (non-qualified ) Tj ET Q q 0 0 0 rg BT 106.92 512.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 131.08 512.25 Td (options, ) Tj ET Q q 0 0 0 rg BT 166.08 512.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 190.24 512.25 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 242.71 512.25 Td (rights, ) Tj ET Q q 0 0 0 rg BT 271.04 512.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 311.30 512.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 337.96 512.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 378.21 512.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 402.37 512.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 427.37 512.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 480.95 512.25 Td (shares, ) Tj ET Q q 0 0 0 rg BT 511.49 512.25 Td (performance ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 500.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 74.72 500.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.94 500.25 Td (other ) Tj ET Q q 0 0 0 rg BT 115.26 500.25 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 165.24 500.25 Td (awards. ) Tj ET Q q 0 0 0 rg BT 201.34 500.25 Td (Shares ) Tj ET Q q 0 0 0 rg BT 230.77 500.25 Td (awarded ) Tj ET Q q 0 0 0 rg BT 267.41 500.25 Td (in ) Tj ET Q q 0 0 0 rg BT 277.97 500.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.96 500.25 Td (form ) Tj ET Q q 0 0 0 rg BT 315.17 500.25 Td (of ) Tj ET Q q 0 0 0 rg BT 326.28 500.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 366.25 500.25 Td (stock, ) Tj ET Q q 0 0 0 rg BT 392.64 500.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 432.61 500.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 456.50 500.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 481.22 500.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 534.52 500.25 Td (shares, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 488.25 Td (performance ) Tj ET Q q 0 0 0 rg BT 103.32 488.25 Td (units, ) Tj ET Q q 0 0 0 rg BT 128.07 488.25 Td (or ) Tj ET Q q 0 0 0 rg BT 139.21 488.25 Td (other ) Tj ET Q q 0 0 0 rg BT 162.55 488.25 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 212.56 488.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 243.69 488.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 283.69 488.25 Td (will ) Tj ET Q q 0 0 0 rg BT 302.05 488.25 Td (reduce ) Tj ET Q q 0 0 0 rg BT 331.50 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.51 488.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 374.31 488.25 Td (available ) Tj ET Q q 0 0 0 rg BT 413.20 488.25 Td (under ) Tj ET Q q 0 0 0 rg BT 438.77 488.25 Td (the ) Tj ET Q q 0 0 0 rg BT 453.79 488.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 493.26 488.25 Td (Plan ) Tj ET Q q 0 0 0 rg BT 513.84 488.25 Td (on ) Tj ET Q q 0 0 0 rg BT 526.64 488.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 533.88 488.25 Td (2) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 538.88 488.25 Td (-for) Tj ET Q q 0 0 0 rg BT 553.67 488.25 Td (-) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 557.00 488.25 Td (1) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 562.00 488.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 476.25 Td (basis. ) Tj ET Q q 0 0 0 rg BT 75.27 476.25 Td ( ) Tj ET Q q 0 0 0 rg BT 78.05 476.25 Td (No ) Tj ET Q q 0 0 0 rg BT 93.05 476.25 Td (more ) Tj ET Q q 0 0 0 rg BT 116.37 476.25 Td (than ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.36 476.25 Td (10%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 154.69 476.25 Td ( ) Tj ET Q q 0 0 0 rg BT 157.46 476.25 Td (of ) Tj ET Q q 0 0 0 rg BT 168.57 476.25 Td (the ) Tj ET Q q 0 0 0 rg BT 183.56 476.25 Td (total ) Tj ET Q q 0 0 0 rg BT 204.11 476.25 Td (number ) Tj ET Q q 0 0 0 rg BT 237.43 476.25 Td (of ) Tj ET Q q 0 0 0 rg BT 248.54 476.25 Td (authorized ) Tj ET Q q 0 0 0 rg BT 293.51 476.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 321.28 476.25 Td (may ) Tj ET Q q 0 0 0 rg BT 341.27 476.25 Td (be ) Tj ET Q q 0 0 0 rg BT 353.48 476.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 381.26 476.25 Td (with ) Tj ET Q q 0 0 0 rg BT 401.81 476.25 Td (respect ) Tj ET Q q 0 0 0 rg BT 432.90 476.25 Td (to ) Tj ET Q q 0 0 0 rg BT 443.46 476.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 474.55 476.25 Td (granted ) Tj ET Q q 0 0 0 rg BT 507.31 476.25 Td (after ) Tj ET Q q 0 0 0 rg BT 528.40 476.25 Td (May ) Tj ET Q q 0 0 0 rg BT 549.51 476.25 Td (28, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 464.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 74.83 464.25 Td (other ) Tj ET Q q 0 0 0 rg BT 97.70 464.25 Td (than ) Tj ET Q q 0 0 0 rg BT 117.25 464.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 140.68 464.25 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 192.43 464.25 Td (rights, ) Tj ET Q q 0 0 0 rg BT 220.04 464.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 243.47 464.25 Td (options ) Tj ET Q q 0 0 0 rg BT 275.25 464.25 Td (and ) Tj ET Q q 0 0 0 rg BT 292.02 464.25 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 370.97 464.25 Td (awards, ) Tj ET Q q 0 0 0 rg BT 404.12 464.25 Td (which ) Tj ET Q q 0 0 0 rg BT 430.88 464.25 Td (at ) Tj ET Q q 0 0 0 rg BT 440.43 464.25 Td (the ) Tj ET Q q 0 0 0 rg BT 454.97 464.25 Td (date ) Tj ET Q q 0 0 0 rg BT 473.96 464.25 Td (of ) Tj ET Q q 0 0 0 rg BT 484.61 464.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 507.49 464.25 Td (are ) Tj ET Q q 0 0 0 rg BT 522.02 464.25 Td (scheduled ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 452.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.18 452.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 81.47 452.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 99.99 452.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 121.83 452.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.01 452.25 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 152.00 452.25 Td ( ) Tj ET Q q 0 0 0 rg BT 154.40 452.25 Td (years ) Tj ET Q q 0 0 0 rg BT 177.91 452.25 Td (from ) Tj ET Q q 0 0 0 rg BT 199.75 452.25 Td (the ) Tj ET Q q 0 0 0 rg BT 214.37 452.25 Td (date ) Tj ET Q q 0 0 0 rg BT 233.43 452.25 Td (of ) Tj ET Q q 0 0 0 rg BT 244.17 452.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 267.12 452.25 Td (\(although ) Tj ET Q q 0 0 0 rg BT 307.85 452.25 Td (such ) Tj ET Q q 0 0 0 rg BT 328.58 452.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 359.31 452.25 Td (may ) Tj ET Q q 0 0 0 rg BT 378.93 452.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 411.88 452.25 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 454.27 452.25 Td (vesting ) Tj ET Q q 0 0 0 rg BT 485.56 452.25 Td (earlier ) Tj ET Q q 0 0 0 rg BT 513.50 452.25 Td (with ) Tj ET Q q 0 0 0 rg BT 533.68 452.25 Td (respect ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 440.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.46 440.25 Td (some ) Tj ET Q q 0 0 0 rg BT 84.26 440.25 Td (of ) Tj ET Q q 0 0 0 rg BT 95.27 440.25 Td (such ) Tj ET Q q 0 0 0 rg BT 116.29 440.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 143.96 440.25 Td (and ) Tj ET Q q 0 0 0 rg BT 161.08 440.25 Td (for ) Tj ET Q q 0 0 0 rg BT 175.43 440.25 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 226.41 440.25 Td (of ) Tj ET Q q 0 0 0 rg BT 237.42 440.25 Td (vesting ) Tj ET Q q 0 0 0 rg BT 268.99 440.25 Td (as ) Tj ET Q q 0 0 0 rg BT 280.01 440.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 318.24 440.25 Td (in ) Tj ET Q q 0 0 0 rg BT 328.70 440.25 Td (the ) Tj ET Q q 0 0 0 rg BT 343.60 440.25 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 382.96 440.25 Td (Plan\). ) Tj ET Q q 0 0 0 rg BT 411.16 440.25 Td (As ) Tj ET Q q 0 0 0 rg BT 424.96 440.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 435.97 440.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 494.74 440.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 514.74 440.25 Td (, ) Tj ET Q q 0 0 0 rg BT 519.92 440.25 Td (there ) Tj ET Q q 0 0 0 rg BT 542.59 440.25 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 428.25 Td (3,81) Tj ET Q q 0 0 0 rg BT 67.13 428.25 Td (1,383) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 89.63 428.25 Td ( ) Tj ET Q q 0 0 0 rg BT 92.13 428.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 119.62 428.25 Td (available ) Tj ET Q q 0 0 0 rg BT 158.21 428.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.37 428.25 Td (future ) Tj ET Q q 0 0 0 rg BT 198.75 428.25 Td (grants.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 416.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 404.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 82.52 404.25 Td (equity-based ) Tj ET Q q 0 0 0 rg BT 136.69 404.25 Td (incentive ) Tj ET Q q 0 0 0 rg BT 176.42 404.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 207.82 404.25 Td (are ) Tj ET Q q 0 0 0 rg BT 223.11 404.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 263.39 404.25 Td (granted ) Tj ET Q q 0 0 0 rg BT 296.46 404.25 Td (to ) Tj ET Q q 0 0 0 rg BT 307.32 404.25 Td (selected ) Tj ET Q q 0 0 0 rg BT 342.60 404.25 Td (of) Tj ET Q q 0 0 0 rg BT 350.75 404.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 376.04 404.25 Td (and ) Tj ET Q q 0 0 0 rg BT 393.55 404.25 Td (employees ) Tj ET Q q 0 0 0 rg BT 439.40 404.25 Td (in ) Tj ET Q q 0 0 0 rg BT 450.26 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 465.55 404.25 Td (first ) Tj ET Q q 0 0 0 rg BT 484.74 404.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 516.14 404.25 Td (of ) Tj ET Q q 0 0 0 rg BT 527.55 404.25 Td (the ) Tj ET Q q 0 0 0 rg BT 542.84 404.25 Td (year) Tj ET Q q 0 0 0 rg BT 559.50 404.25 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 392.25 Td (Options ) Tj ET Q q 0 0 0 rg BT 84.62 392.25 Td (are ) Tj ET Q q 0 0 0 rg BT 99.77 392.25 Td (granted ) Tj ET Q q 0 0 0 rg BT 132.70 392.25 Td (with ) Tj ET Q q 0 0 0 rg BT 153.42 392.25 Td (an ) Tj ET Q q 0 0 0 rg BT 165.81 392.25 Td (exercise ) Tj ET Q q 0 0 0 rg BT 201.51 392.25 Td (price ) Tj ET Q q 0 0 0 rg BT 224.44 392.25 Td (equal ) Tj ET Q q 0 0 0 rg BT 249.04 392.25 Td (to ) Tj ET Q q 0 0 0 rg BT 259.76 392.25 Td (no ) Tj ET Q q 0 0 0 rg BT 272.71 392.25 Td (less ) Tj ET Q q 0 0 0 rg BT 290.66 392.25 Td (than ) Tj ET Q q 0 0 0 rg BT 310.82 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 325.98 392.25 Td (market ) Tj ET Q q 0 0 0 rg BT 356.69 392.25 Td (price ) Tj ET Q q 0 0 0 rg BT 379.62 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 390.90 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 406.06 392.25 Td (Company) Tj ET Q q 0 0 0 rg BT 447.73 392.25 Td (s ) Tj ET Q q 0 0 0 rg BT 454.56 392.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 482.50 392.25 Td (at ) Tj ET Q q 0 0 0 rg BT 492.66 392.25 Td (the ) Tj ET Q q 0 0 0 rg BT 507.82 392.25 Td (date ) Tj ET Q q 0 0 0 rg BT 527.42 392.25 Td (of ) Tj ET Q q 0 0 0 rg BT 538.70 392.25 Td (grant; ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 380.25 Td (those ) Tj ET Q q 0 0 0 rg BT 74.25 380.25 Td (option ) Tj ET Q q 0 0 0 rg BT 102.96 380.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 134.42 380.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 174.77 380.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 194.03 380.25 Td (over ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.94 380.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 231.60 380.25 Td ( ) Tj ET Q q 0 0 0 rg BT 234.75 380.25 Td (years ) Tj ET Q q 0 0 0 rg BT 258.99 380.25 Td (of ) Tj ET Q q 0 0 0 rg BT 270.47 380.25 Td (service ) Tj ET Q q 0 0 0 rg BT 301.93 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 319.51 380.25 Td (have ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 341.54 380.25 Td (10) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 351.54 380.25 Td (-year ) Tj ET Q q 0 0 0 rg BT 375.22 380.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 422.78 380.25 Td (terms. ) Tj ET Q q 0 0 0 rg BT 453.15 380.25 Td (Restricted ) Tj ET Q q 0 0 0 rg BT 496.83 380.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 524.97 380.25 Td (and ) Tj ET Q q 0 0 0 rg BT 542.56 380.25 Td (units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 368.25 Td (typically ) Tj ET Q q 0 0 0 rg BT 87.25 368.25 Td (vest ) Tj ET Q q 0 0 0 rg BT 105.61 368.25 Td (over ) Tj ET Q q 0 0 0 rg BT 125.63 368.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 132.33 368.25 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.33 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 149.58 368.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 159.62 368.25 Td (four) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.28 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 178.54 368.25 Td (year ) Tj ET Q q 0 0 0 rg BT 198.00 368.25 Td (period. ) Tj ET Q q 0 0 0 rg BT 228.30 368.25 Td ( ) Tj ET Q q 0 0 0 rg BT 230.56 368.25 Td (Equity ) Tj ET Q q 0 0 0 rg BT 259.48 368.25 Td (awards ) Tj ET Q q 0 0 0 rg BT 290.05 368.25 Td (may ) Tj ET Q q 0 0 0 rg BT 309.53 368.25 Td (also ) Tj ET Q q 0 0 0 rg BT 327.89 368.25 Td (be ) Tj ET Q q 0 0 0 rg BT 339.58 368.25 Td (granted ) Tj ET Q q 0 0 0 rg BT 371.83 368.25 Td (at ) Tj ET Q q 0 0 0 rg BT 381.30 368.25 Td (other ) Tj ET Q q 0 0 0 rg BT 404.10 368.25 Td (times ) Tj ET Q q 0 0 0 rg BT 428.02 368.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 474.17 368.25 Td (the ) Tj ET Q q 0 0 0 rg BT 488.64 368.25 Td (year ) Tj ET Q q 0 0 0 rg BT 508.10 368.25 Td (in ) Tj ET Q q 0 0 0 rg BT 518.13 368.25 Td (connection ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 356.25 Td (with ) Tj ET Q q 0 0 0 rg BT 70.11 356.25 Td (the ) Tj ET Q q 0 0 0 rg BT 84.67 356.25 Td (recruitment ) Tj ET Q q 0 0 0 rg BT 133.09 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 149.86 356.25 Td (retention ) Tj ET Q q 0 0 0 rg BT 187.74 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 198.41 356.25 Td (of) Tj ET Q q 0 0 0 rg BT 206.56 356.25 Td (ficers ) Tj ET Q q 0 0 0 rg BT 231.10 356.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.87 356.25 Td (employees. ) Tj ET Q q 0 0 0 rg BT 297.97 356.25 Td (Directors ) Tj ET Q q 0 0 0 rg BT 337.51 356.25 Td (currently ) Tj ET Q q 0 0 0 rg BT 375.94 356.25 Td (may ) Tj ET Q q 0 0 0 rg BT 395.50 356.25 Td (elect, ) Tj ET Q q 0 0 0 rg BT 419.20 356.25 Td (in ) Tj ET Q q 0 0 0 rg BT 429.32 356.25 Td (lieu ) Tj ET Q q 0 0 0 rg BT 446.65 356.25 Td (of ) Tj ET Q q 0 0 0 rg BT 457.31 356.25 Td (cash, ) Tj ET Q q 0 0 0 rg BT 479.92 356.25 Td (to ) Tj ET Q q 0 0 0 rg BT 490.03 356.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 521.23 356.25 Td (up ) Tj ET Q q 0 0 0 rg BT 533.56 356.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 543.68 356.25 Td (70%) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 344.25 Td (of ) Tj ET Q q 0 0 0 rg BT 61.14 344.25 Td (their ) Tj ET Q q 0 0 0 rg BT 82.28 344.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 101.18 344.25 Td (in ) Tj ET Q q 0 0 0 rg BT 111.77 344.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 135.69 344.25 Td (options ) Tj ET Q q 0 0 0 rg BT 167.95 344.25 Td (with ) Tj ET Q q 0 0 0 rg BT 188.54 344.25 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 195.79 344.25 Td (five) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 211.33 344.25 Td ( ) Tj ET Q q 0 0 0 rg BT 214.14 344.25 Td (year ) Tj ET Q q 0 0 0 rg BT 234.16 344.25 Td (term, ) Tj ET Q q 0 0 0 rg BT 257.80 344.25 Td (which ) Tj ET Q q 0 0 0 rg BT 285.04 344.25 Td (are ) Tj ET Q q 0 0 0 rg BT 300.06 344.25 Td (fully ) Tj ET Q q 0 0 0 rg BT 321.76 344.25 Td (vested ) Tj ET Q q 0 0 0 rg BT 350.11 344.25 Td (on ) Tj ET Q q 0 0 0 rg BT 362.92 344.25 Td (the ) Tj ET Q q 0 0 0 rg BT 377.95 344.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 401.31 344.25 Td (date ) Tj ET Q q 0 0 0 rg BT 420.77 344.25 Td (\(provided ) Tj ET Q q 0 0 0 rg BT 462.46 344.25 Td (that ) Tj ET Q q 0 0 0 rg BT 480.27 344.25 Td (the ) Tj ET Q q 0 0 0 rg BT 495.29 344.25 Td (director ) Tj ET Q q 0 0 0 rg BT 529.20 344.25 Td (may ) Tj ET Q q 0 0 0 rg BT 549.22 344.25 Td (not ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 332.25 Td (sell ) Tj ET Q q 0 0 0 rg BT 66.15 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 80.63 332.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 126.23 332.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 153.48 332.25 Td (for ) Tj ET Q q 0 0 0 rg BT 167.41 332.25 Td (at ) Tj ET Q q 0 0 0 rg BT 176.89 332.25 Td (least ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 197.48 332.25 Td (six ) Tj ET Q q 0 0 0 rg BT 211.42 332.25 Td (months) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 240.86 332.25 Td ( ) Tj ET Q q 0 0 0 rg BT 243.13 332.25 Td (after ) Tj ET Q q 0 0 0 rg BT 263.71 332.25 Td (the ) Tj ET Q q 0 0 0 rg BT 278.19 332.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 301.01 332.25 Td (date\), ) Tj ET Q q 0 0 0 rg BT 325.76 332.25 Td (and ) Tj ET Q q 0 0 0 rg BT 342.46 332.25 Td (up ) Tj ET Q q 0 0 0 rg BT 354.73 332.25 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 364.77 332.25 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 388.10 332.25 Td ( ) Tj ET Q q 0 0 0 rg BT 390.37 332.25 Td (of ) Tj ET Q q 0 0 0 rg BT 400.96 332.25 Td (their ) Tj ET Q q 0 0 0 rg BT 421.55 332.25 Td (fees ) Tj ET Q q 0 0 0 rg BT 439.92 332.25 Td (in ) Tj ET Q q 0 0 0 rg BT 449.96 332.25 Td (restricted ) Tj ET Q q 0 0 0 rg BT 489.43 332.25 Td (shares, ) Tj ET Q q 0 0 0 rg BT 519.18 332.25 Td (which ) Tj ET Q q 0 0 0 rg BT 545.89 332.25 Td (vest ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 320.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 64.44 320.25 Td ( ) Tj ET Q q 0 0 0 rg BT 66.94 320.25 Td (year ) Tj ET Q q 0 0 0 rg BT 86.65 320.25 Td (after ) Tj ET Q q 0 0 0 rg BT 107.46 320.25 Td (the ) Tj ET Q q 0 0 0 rg BT 122.18 320.25 Td (grant ) Tj ET Q q 0 0 0 rg BT 145.22 320.25 Td (date.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 308.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 296.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 296.25 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 296.25 Td (table ) Tj ET Q q 0 0 0 rg BT 131.37 296.25 Td (summarizes ) Tj ET Q q 0 0 0 rg BT 181.63 296.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 205.24 296.25 Td (options ) Tj ET Q q 0 0 0 rg BT 237.19 296.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 286.35 296.25 Td (for ) Tj ET Q q 0 0 0 rg BT 300.51 296.25 Td (the ) Tj ET Q q 0 0 0 rg BT 315.23 296.25 Td (year ) Tj ET Q q 0 0 0 rg BT 334.94 296.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 361.31 296.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 419.90 296.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.90 296.25 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 284.25 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 221.75 226.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 221.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 221.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 221.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 221.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 221.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 221.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 221.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 221.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 193.75 226.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 193.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 193.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 193.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 193.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 193.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 193.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 193.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 193.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 165.75 226.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 165.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 165.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 165.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 165.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 165.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 165.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 165.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 165.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 137.75 226.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 276.50 137.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 280.50 137.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 351.50 137.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 137.75 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 137.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 137.75 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 137.75 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 498.50 137.75 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 280.5 221.75 m 351.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 221.75 m 419.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 221.75 m 494.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 498.5 221.75 m 562.5 221.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 137.75 m 351.5 137.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 137.75 m 419.5 137.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 124.75 m 351.5 124.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 122.75 m 351.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 137.75 m 419.5 137.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 124.75 m 419.5 124.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 122.75 m 419.5 122.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 110.75 m 351.5 110.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 280.5 108.75 m 351.5 108.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 110.75 m 419.5 110.75 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 355.5 108.75 m 419.5 108.75 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 297.00 233.98 Td (Number) Tj ET Q q 0 0 0 rg BT 325.30 233.98 Td (of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 301.90 225.98 Td (Options) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 370.75 249.98 Td (W) Tj ET Q q 0 0 0 rg BT 378.31 249.98 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 373.05 241.98 Td (A) Tj ET Q q 0 0 0 rg BT 378.23 241.98 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 372.60 233.98 Td (Exer) Tj ET Q q 0 0 0 rg BT 388.89 233.98 Td (cise) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 378.10 225.98 Td (Price) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.25 265.83 Td (W) Tj ET Q q 0 0 0 rg BT 449.81 265.83 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 444.55 257.83 Td (A) Tj ET Q q 0 0 0 rg BT 449.73 257.83 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.80 249.83 Td (Remaining) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 437.80 241.83 Td (Contractual) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 449.30 233.83 Td (T) Tj ET Q q 0 0 0 rg BT 453.90 233.83 Td (erm) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 442.35 225.83 Td (\(inyears\)) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.50 249.98 Td (Aggr) Tj ET Q q 0 0 0 rg BT 529.68 249.98 Td (egate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.30 241.98 Td (Intrinsic) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 520.35 233.98 Td (V) Tj ET Q q 0 0 0 rg BT 525.39 233.98 Td (alue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 505.65 225.98 Td (\(inthousands\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 212.32 Td (Options outstanding as of December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 212.32 Td (2,192,431) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.00 212.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 212.32 Td (27.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 212.32 Td (4.44) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 210.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 198.32 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 198.32 Td (405,678) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 198.32 Td (31.74) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 196.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 196.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 184.32 Td (Assumed ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 92.72 188.85 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 315.15 184.32 Td (107,344) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 184.32 Td (19.74) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 170.32 Td (Exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 311.80 170.37 Td (\(692,790) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 170.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 170.32 Td (28.96) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 168.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 168.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 156.32 Td (Expired) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.80 156.37 Td (\(36,341) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 156.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 156.32 Td (39.65) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 154.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 154.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 142.32 Td (Forfeited or cancelled) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 316.80 142.37 Td (\(35,917) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 347.65 142.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 142.32 Td (31.03) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 140.51 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 140.51 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 128.32 Td (Options outstanding as of December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 128.32 Td (1,940,405) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.00 128.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 128.32 Td (27.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 128.32 Td (5.31) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 128.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 128.32 Td (38,382) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 114.32 Td (Options exercisable as of December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 307.65 114.32 Td (1,230,520) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 358.00 114.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 393.15 114.32 Td (26.43) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.50 114.32 Td (3.55) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 114.32 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 114.32 Td (25,591) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 103.53 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 99.45 Td (Reflects stock options assumed through the ) Tj ET Q q 0 0 0 rg BT 225.98 99.45 Td (American Chartered mer) Tj ET Q q 0 0 0 rg BT 315.27 99.45 Td (ger) Tj ET Q q 0 0 0 rg BT 326.27 99.45 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 87.45 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 75.45 Td (The ) Tj ET Q q 0 0 0 rg BT 67.41 75.45 Td (fair ) Tj ET Q q 0 0 0 rg BT 83.16 75.45 Td (value ) Tj ET Q q 0 0 0 rg BT 106.68 75.45 Td (of ) Tj ET Q q 0 0 0 rg BT 116.88 75.45 Td (each ) Tj ET Q q 0 0 0 rg BT 137.06 75.45 Td (option ) Tj ET Q q 0 0 0 rg BT 164.48 75.45 Td (award ) Tj ET Q q 0 0 0 rg BT 190.78 75.45 Td (is ) Tj ET Q q 0 0 0 rg BT 199.31 75.45 Td (estimated ) Tj ET Q q 0 0 0 rg BT 239.50 75.45 Td (on ) Tj ET Q q 0 0 0 rg BT 251.37 75.45 Td (the ) Tj ET Q q 0 0 0 rg BT 265.45 75.45 Td (date ) Tj ET Q q 0 0 0 rg BT 283.97 75.45 Td (of ) Tj ET Q q 0 0 0 rg BT 294.17 75.45 Td (grant ) Tj ET Q q 0 0 0 rg BT 316.58 75.45 Td (using ) Tj ET Q q 0 0 0 rg BT 340.12 75.45 Td (the ) Tj ET Q q 0 0 0 rg BT 354.20 75.45 Td (Black-Scholes ) Tj ET Q q 0 0 0 rg BT 413.83 75.45 Td (option ) Tj ET Q q 0 0 0 rg BT 441.26 75.45 Td (pricing ) Tj ET Q q 0 0 0 rg BT 471.45 75.45 Td (model ) Tj ET Q q 0 0 0 rg BT 498.31 75.45 Td (based ) Tj ET Q q 0 0 0 rg BT 522.95 75.45 Td (on ) Tj ET Q q 0 0 0 rg BT 534.81 75.45 Td (certain ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 63.45 Td (assumptions. ) Tj ET Q q 0 0 0 rg BT 106.44 63.45 Td (Expected ) Tj ET Q q 0 0 0 rg BT 145.64 63.45 Td (volatility ) Tj ET Q q 0 0 0 rg BT 183.75 63.45 Td (is ) Tj ET Q q 0 0 0 rg BT 192.41 63.45 Td (based ) Tj ET Q q 0 0 0 rg BT 217.18 63.45 Td (on ) Tj ET Q q 0 0 0 rg BT 229.17 63.45 Td (historical ) Tj ET Q q 0 0 0 rg BT 268.38 63.45 Td (volatility ) Tj ET Q q 0 0 0 rg BT 306.49 63.45 Td (and ) Tj ET Q q 0 0 0 rg BT 322.92 63.45 Td (the ) Tj ET Q q 0 0 0 rg BT 337.13 63.45 Td (expectations ) Tj ET Q q 0 0 0 rg BT 389.11 63.45 Td (of ) Tj ET Q q 0 0 0 rg BT 399.44 63.45 Td (future ) Tj ET Q q 0 0 0 rg BT 425.31 63.45 Td (volatility ) Tj ET Q q 0 0 0 rg BT 463.41 63.45 Td (of ) Tj ET Q q 0 0 0 rg BT 473.74 63.45 Td (Company ) Tj ET Q q 0 0 0 rg BT 514.62 63.45 Td (shares. ) Tj ET Q q 0 0 0 rg BT 546.46 63.45 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 51.45 Td (risk ) Tj ET Q q 0 0 0 rg BT 67.20 51.45 Td (free ) Tj ET Q q 0 0 0 rg BT 84.94 51.45 Td (interest ) Tj ET Q q 0 0 0 rg BT 116.58 51.45 Td (rate ) Tj ET Q q 0 0 0 rg BT 133.77 51.45 Td (for ) Tj ET Q q 0 0 0 rg BT 147.63 51.45 Td (periods ) Tj ET Q q 0 0 0 rg BT 179.28 51.45 Td (within ) Tj ET Q q 0 0 0 rg BT 207.04 51.45 Td (the ) Tj ET Q q 0 0 0 rg BT 221.46 51.45 Td (contractual ) Tj ET Q q 0 0 0 rg BT 268.08 51.45 Td (term ) Tj ET Q q 0 0 0 rg BT 288.61 51.45 Td (of ) Tj ET Q q 0 0 0 rg BT 299.14 51.45 Td (the ) Tj ET Q q 0 0 0 rg BT 313.56 51.45 Td (option ) Tj ET Q q 0 0 0 rg BT 341.32 51.45 Td (is ) Tj ET Q q 0 0 0 rg BT 350.20 51.45 Td (based ) Tj ET Q q 0 0 0 rg BT 375.17 51.45 Td (on ) Tj ET Q q 0 0 0 rg BT 387.37 51.45 Td (the ) Tj ET Q q 0 0 0 rg BT 401.79 51.45 Td (U.S. ) Tj ET Q q 0 0 0 rg BT 421.62 51.45 Td (T) Tj ET Q q 0 0 0 rg BT 427.38 51.45 Td (reasury ) Tj ET Q q 0 0 0 rg BT 459.01 51.45 Td (yield ) Tj ET Q q 0 0 0 rg BT 481.21 51.45 Td (curve ) Tj ET Q q 0 0 0 rg BT 505.62 51.45 Td (in ) Tj ET Q q 0 0 0 rg BT 515.60 51.45 Td (ef) Tj ET Q q 0 0 0 rg BT 523.19 51.45 Td (fect ) Tj ET Q q 0 0 0 rg BT 540.38 51.45 Td (at ) Tj ET Q q 0 0 0 rg BT 549.80 51.45 Td (the ) Tj ET Q endstream endobj 271 0 obj <> endobj 272 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (135) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (time ) Tj ET Q q 0 0 0 rg BT 70.59 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 81.73 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 96.76 742.10 Td (grant. ) Tj ET Q q 0 0 0 rg BT 124.91 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 143.27 742.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 181.62 742.10 Td (life ) Tj ET Q q 0 0 0 rg BT 197.76 742.10 Td (of ) Tj ET Q q 0 0 0 rg BT 208.90 742.10 Td (options ) Tj ET Q q 0 0 0 rg BT 241.16 742.10 Td (is ) Tj ET Q q 0 0 0 rg BT 250.64 742.10 Td (estimated ) Tj ET Q q 0 0 0 rg BT 291.77 742.10 Td (based ) Tj ET Q q 0 0 0 rg BT 317.36 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 330.17 742.10 Td (historical ) Tj ET Q q 0 0 0 rg BT 370.19 742.10 Td (employee ) Tj ET Q q 0 0 0 rg BT 411.88 742.10 Td (behavior ) Tj ET Q q 0 0 0 rg BT 449.67 742.10 Td (and ) Tj ET Q q 0 0 0 rg BT 466.93 742.10 Td (represents ) Tj ET Q q 0 0 0 rg BT 510.28 742.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.30 742.10 Td (period ) Tj ET Q q 0 0 0 rg BT 553.66 742.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td (time ) Tj ET Q q 0 0 0 rg BT 70.27 730.10 Td (that ) Tj ET Q q 0 0 0 rg BT 87.77 730.10 Td (options ) Tj ET Q q 0 0 0 rg BT 119.72 730.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 152.20 730.10 Td (are ) Tj ET Q q 0 0 0 rg BT 166.91 730.10 Td (expected ) Tj ET Q q 0 0 0 rg BT 204.94 730.10 Td (to ) Tj ET Q q 0 0 0 rg BT 215.22 730.10 Td (remain ) Tj ET Q q 0 0 0 rg BT 245.48 730.10 Td (outstanding.) 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 68.05 706.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 706.10 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 161.38 706.10 Td (were ) Tj ET Q q 0 0 0 rg BT 183.31 706.10 Td (used ) Tj ET Q q 0 0 0 rg BT 204.14 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 218.30 706.10 Td (options ) Tj ET Q q 0 0 0 rg BT 250.25 706.10 Td (granted ) Tj ET Q q 0 0 0 rg BT 282.73 706.10 Td (during ) Tj ET Q q 0 0 0 rg BT 311.34 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 326.06 706.10 Td (years ) Tj ET Q q 0 0 0 rg BT 349.66 706.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 376.04 706.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 434.62 706.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 454.62 706.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.62 706.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 479.62 706.10 Td (, ) Tj ET Q q 0 0 0 rg BT 484.62 706.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.56 706.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 521.56 706.10 Td (:) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 659.60 382.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 659.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 659.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 659.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 659.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 631.60 382.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 631.60 40.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 631.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 631.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 631.60 39.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 603.60 382.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 432.50 603.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 436.50 603.60 40.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 476.50 603.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 480.50 603.60 39.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 519.50 603.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 523.50 603.60 39.00 -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 436.5 671.6 m 476.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 476.5 671.6 m 480.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 671.6 m 519.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 519.5 671.6 m 523.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 671.6 m 476.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 436.5 659.6 m 476.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 671.6 m 519.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 480.5 659.6 m 519.5 659.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 523.5 659.6 m 562.5 659.6 l s BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 674.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.75 675.68 Td (FortheYearsEndedDecember31,) Tj ET Q BT /F2 1.00 Tf ET q 0 0 0 rg BT 53.00 662.32 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 448.00 663.68 Td (2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 491.50 663.68 Td (2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 534.50 663.68 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 650.17 Td (Risk-free interest rate) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.10 650.17 Td (1.44) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 650.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.10 650.17 Td (1.68) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.65 650.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.10 650.17 Td (1.82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 650.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 636.17 Td (Expected volatility of Companys stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 445.10 636.17 Td (28.08) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 636.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 488.10 636.17 Td (29.66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.65 636.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.10 636.17 Td (23.16) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 636.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 622.17 Td (Expected dividend yield) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.10 622.17 Td (2.19) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.65 622.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.10 622.17 Td (1.82) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 510.65 622.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.10 622.17 Td (1.65) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 553.65 622.17 Td (%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 608.17 Td (Expected life of options \(years\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 460.50 608.17 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 503.50 608.17 Td (5.7) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 546.50 608.17 Td (5.5) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 592.27 Td (Weighted average fair value per option of options granted during the year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 439.00 592.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 450.10 592.27 Td (6.66) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.00 592.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 493.10 592.27 Td (7.77) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.00 592.27 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.10 592.27 Td (5.93) 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 () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 564.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.20 564.10 Td (total ) Tj ET Q q 0 0 0 rg BT 88.63 564.10 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 124.06 564.10 Td (value ) Tj ET Q q 0 0 0 rg BT 148.37 564.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.36 564.10 Td (options ) Tj ET Q q 0 0 0 rg BT 191.46 564.10 Td (exercised ) Tj ET Q q 0 0 0 rg BT 231.88 564.10 Td (during ) Tj ET Q q 0 0 0 rg BT 260.64 564.10 Td (the ) Tj ET Q q 0 0 0 rg BT 275.51 564.10 Td (years ) Tj ET Q q 0 0 0 rg BT 299.27 564.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 325.80 564.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 384.54 564.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 404.54 564.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 409.70 564.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 429.70 564.10 Td ( ) Tj ET Q q 0 0 0 rg BT 432.35 564.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 449.45 564.10 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 469.45 564.10 Td ( ) Tj ET Q q 0 0 0 rg BT 472.10 564.10 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.31 564.10 Td ($7.0 ) Tj ET Q q 0 0 0 rg BT 510.47 564.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.36 564.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 544.52 564.10 Td ($1.7 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 552.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 552.10 Td ( ) Tj ET Q q 0 0 0 rg BT 81.39 552.10 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 98.33 552.10 Td ($2.0 ) Tj ET Q q 0 0 0 rg BT 118.33 552.10 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 147.22 552.10 Td (, ) Tj ET Q q 0 0 0 rg BT 152.22 552.10 Td (respectively) Tj ET Q q 0 0 0 rg BT 199.88 552.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 540.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 528.10 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 528.10 Td (following ) Tj ET Q q 0 0 0 rg BT 109.43 528.10 Td (is ) Tj ET Q q 0 0 0 rg BT 118.60 528.10 Td (a ) Tj ET Q q 0 0 0 rg BT 125.54 528.10 Td (summary ) Tj ET Q q 0 0 0 rg BT 165.26 528.10 Td (of ) Tj ET Q q 0 0 0 rg BT 176.09 528.10 Td (changes ) Tj ET Q q 0 0 0 rg BT 210.80 528.10 Td (in ) Tj ET Q q 0 0 0 rg BT 221.07 528.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 260.78 528.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 288.27 528.10 Td (and ) Tj ET Q q 0 0 0 rg BT 305.21 528.10 Td (units ) Tj ET Q q 0 0 0 rg BT 327.15 528.10 Td (for ) Tj ET Q q 0 0 0 rg BT 341.31 528.10 Td (the ) Tj ET Q q 0 0 0 rg BT 356.03 528.10 Td (year ) Tj ET Q q 0 0 0 rg BT 375.74 528.10 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.11 528.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 460.70 528.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.70 528.10 Td (:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 516.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 469.60 368.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 469.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 469.60 71.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 469.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 469.60 64.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 445.60 368.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 445.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 445.60 71.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 445.60 4.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 445.60 64.00 -14.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 419.60 368.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 419.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 422.50 419.60 71.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 493.50 419.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 497.50 419.60 64.00 -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 422.5 469.6 m 493.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 497.5 469.6 m 561.5 469.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 407.6 m 493.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 396.6 m 493.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 422.5 394.6 m 493.5 394.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 439.00 481.83 Td (Number) Tj ET Q q 0 0 0 rg BT 467.30 481.83 Td (of) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 446.00 473.83 Td (Shar) Tj ET Q q 0 0 0 rg BT 462.30 473.83 Td (es) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 512.75 497.68 Td (W) Tj ET Q q 0 0 0 rg BT 520.31 497.68 Td (eighted) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 515.05 489.68 Td (A) Tj ET Q q 0 0 0 rg BT 520.23 489.68 Td (verage) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 509.55 481.68 Td (GrantDate) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 511.15 473.68 Td (Fair) Tj ET Q q 0 0 0 rg BT 525.67 473.68 Td () Tj ET Q q 0 0 0 rg BT 527.52 473.68 Td (V) Tj ET Q q 0 0 0 rg BT 532.56 473.68 Td (alue) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 460.22 Td (Shares and Units Outstanding at December31, 2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 460.22 Td (945,506) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 500.00 460.22 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 460.22 Td (29.92) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 448.22 Td (Granted) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 448.22 Td (483,467) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 448.22 Td (31.24) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 436.17 Td (Assumed ) Tj ET Q BT /F1 10.00 Tf ET BT /F1 6.50 Tf ET q 0 0 0 rg BT 92.72 440.70 Td (\(1\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 467.15 436.17 Td (5,191) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 436.17 Td (32.45) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 422.22 Td (Vested) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 453.80 422.22 Td (\(409,550) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 422.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 422.22 Td (28.40) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 410.22 Td (Forfeited or cancelled) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.80 410.22 Td (\(25,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 489.65 410.22 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 410.22 Td (29.99) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 398.22 Td (Shares and Units Outstanding at December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.15 398.22 Td (998,807) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 535.15 398.22 Td (31.20) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 389.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 385.30 Td (Reflects restricted shares assumed through the ) Tj ET Q q 0 0 0 rg BT 236.45 385.30 Td (American Chartered mer) Tj ET Q q 0 0 0 rg BT 325.74 385.30 Td (ger) Tj ET Q q 0 0 0 rg BT 336.74 385.30 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 373.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 361.30 Td (The ) Tj ET Q q 0 0 0 rg BT 68.64 361.30 Td (total ) Tj ET Q q 0 0 0 rg BT 89.51 361.30 Td (intrinsic ) Tj ET Q q 0 0 0 rg BT 125.38 361.30 Td (value ) Tj ET Q q 0 0 0 rg BT 150.13 361.30 Td (of ) Tj ET Q q 0 0 0 rg BT 161.56 361.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 201.86 361.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 229.94 361.30 Td (that ) Tj ET Q q 0 0 0 rg BT 248.03 361.30 Td (vested ) Tj ET Q q 0 0 0 rg BT 276.67 361.30 Td (during ) Tj ET Q q 0 0 0 rg BT 305.88 361.30 Td (the ) Tj ET Q q 0 0 0 rg BT 321.19 361.30 Td (years ) Tj ET Q q 0 0 0 rg BT 345.39 361.30 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 372.36 361.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 431.54 361.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 451.54 361.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.13 361.30 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.13 361.30 Td ( ) Tj ET Q q 0 0 0 rg BT 480.23 361.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 497.76 361.30 Td (2014) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 517.76 361.30 Td ( ) Tj ET Q q 0 0 0 rg BT 520.86 361.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 539.51 361.30 Td ($15.9 ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 349.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 78.89 349.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 83.89 349.30 Td ($1) Tj ET Q q 0 0 0 rg BT 93.52 349.30 Td (1.4 ) Tj ET Q q 0 0 0 rg BT 108.52 349.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.41 349.30 Td ( ) Tj ET Q q 0 0 0 rg BT 139.91 349.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.85 349.30 Td ($8.6 ) Tj ET Q q 0 0 0 rg BT 176.85 349.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 205.74 349.30 Td (, ) Tj ET Q q 0 0 0 rg BT 210.74 349.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 258.40 349.30 Td (. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 325.30 Td (The ) Tj ET Q q 0 0 0 rg BT 67.88 325.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.10 325.30 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 136.44 325.30 Td (80,780) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 163.94 325.30 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 168.78 325.30 Td (71,560) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 196.28 325.30 Td ( ) Tj ET Q q 0 0 0 rg BT 198.61 325.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 215.38 325.30 Td (48,569) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 242.88 325.30 Td ( ) Tj ET Q q 0 0 0 rg BT 245.22 325.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 301.42 325.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 340.96 325.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 364.40 325.30 Td (units ) Tj ET Q q 0 0 0 rg BT 386.18 325.30 Td (in ) Tj ET Q q 0 0 0 rg BT 396.30 325.30 Td (2016, ) Tj ET Q q 0 0 0 rg BT 421.13 325.30 Td (2015 ) Tj ET Q q 0 0 0 rg BT 443.47 325.30 Td (and ) Tj ET Q q 0 0 0 rg BT 460.24 325.30 Td (2014, ) Tj ET Q q 0 0 0 rg BT 485.08 325.30 Td (respectively) Tj ET Q q 0 0 0 rg BT 532.74 325.30 Td (, ) Tj ET Q q 0 0 0 rg BT 537.57 325.30 Td (which ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 313.30 Td (entitle ) Tj ET Q q 0 0 0 rg BT 76.98 313.30 Td (recipients ) Tj ET Q q 0 0 0 rg BT 117.85 313.30 Td (to ) Tj ET Q q 0 0 0 rg BT 127.62 313.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 154.61 313.30 Td (of ) Tj ET Q q 0 0 0 rg BT 164.93 313.30 Td (common ) Tj ET Q q 0 0 0 rg BT 201.92 313.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 225.02 313.30 Td (at ) Tj ET Q q 0 0 0 rg BT 234.23 313.30 Td (the ) Tj ET Q q 0 0 0 rg BT 248.44 313.30 Td (end ) Tj ET Q q 0 0 0 rg BT 264.87 313.30 Td (of ) Tj ET Q q 0 0 0 rg BT 275.20 313.30 Td (a ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 281.63 313.30 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 301.61 313.30 Td ( ) Tj ET Q q 0 0 0 rg BT 303.61 313.30 Td (year ) Tj ET Q q 0 0 0 rg BT 322.81 313.30 Td (vesting ) Tj ET Q q 0 0 0 rg BT 353.69 313.30 Td (period. ) Tj ET Q q 0 0 0 rg BT 383.73 313.30 Td ( ) Tj ET Q q 0 0 0 rg BT 385.72 313.30 Td (Recipients ) Tj ET Q q 0 0 0 rg BT 429.93 313.30 Td (will ) Tj ET Q q 0 0 0 rg BT 447.48 313.30 Td (earn ) Tj ET Q q 0 0 0 rg BT 466.68 313.30 Td (shares, ) Tj ET Q q 0 0 0 rg BT 496.16 313.30 Td (totaling ) Tj ET Q q 0 0 0 rg BT 528.71 313.30 Td (between ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 301.30 Td (0%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 63.33 301.30 Td ( ) Tj ET Q q 0 0 0 rg BT 65.58 301.30 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 82.27 301.30 Td (175%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 105.60 301.30 Td ( ) Tj ET Q q 0 0 0 rg BT 107.85 301.30 Td (of ) Tj ET Q q 0 0 0 rg BT 118.43 301.30 Td (the ) Tj ET Q q 0 0 0 rg BT 132.90 301.30 Td (number ) Tj ET Q q 0 0 0 rg BT 165.69 301.30 Td (of ) Tj ET Q q 0 0 0 rg BT 176.27 301.30 Td (units ) Tj ET Q q 0 0 0 rg BT 197.97 301.30 Td (issued, ) Tj ET Q q 0 0 0 rg BT 227.72 301.30 Td (based ) Tj ET Q q 0 0 0 rg BT 252.74 301.30 Td (on ) Tj ET Q q 0 0 0 rg BT 264.99 301.30 Td (the ) Tj ET Q q 0 0 0 rg BT 279.46 301.30 Td (Company's ) Tj ET Q q 0 0 0 rg BT 326.29 301.30 Td (total ) Tj ET Q q 0 0 0 rg BT 346.31 301.30 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 395.21 301.30 Td (return ) Tj ET Q q 0 0 0 rg BT 421.34 301.30 Td (relative ) Tj ET Q q 0 0 0 rg BT 453.57 301.30 Td (to ) Tj ET Q q 0 0 0 rg BT 463.60 301.30 Td (a ) Tj ET Q q 0 0 0 rg BT 470.29 301.30 Td (specified ) Tj ET Q q 0 0 0 rg BT 508.63 301.30 Td (peer ) Tj ET Q q 0 0 0 rg BT 528.09 301.30 Td (group ) Tj ET Q q 0 0 0 rg BT 553.67 301.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 289.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 88.11 289.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 135.68 289.30 Td (over ) Tj ET Q q 0 0 0 rg BT 156.58 289.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 171.92 289.30 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 191.90 289.30 Td ( ) Tj ET Q q 0 0 0 rg BT 195.03 289.30 Td (year ) Tj ET Q q 0 0 0 rg BT 215.36 289.30 Td (period. ) Tj ET Q q 0 0 0 rg BT 246.53 289.30 Td ( ) Tj ET Q q 0 0 0 rg BT 249.43 289.30 Td (The ) Tj ET Q q 0 0 0 rg BT 268.10 289.30 Td (Company ) Tj ET Q q 0 0 0 rg BT 310.12 289.30 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 338.24 289.30 Td (56,752) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.74 289.30 Td ( ) Tj ET Q q 0 0 0 rg BT 368.87 289.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 425.85 289.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 466.18 289.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 490.41 289.30 Td (units ) Tj ET Q q 0 0 0 rg BT 512.99 289.30 Td (in ) Tj ET Q q 0 0 0 rg BT 523.89 289.30 Td (2013 ) Tj ET Q q 0 0 0 rg BT 547.02 289.30 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 277.30 Td (vested ) Tj ET Q q 0 0 0 rg BT 77.90 277.30 Td (in ) Tj ET Q q 0 0 0 rg BT 88.04 277.30 Td (2016. ) Tj ET Q q 0 0 0 rg BT 112.89 277.30 Td ( ) Tj ET Q q 0 0 0 rg BT 115.25 277.30 Td (Recipients ) Tj ET Q q 0 0 0 rg BT 159.82 277.30 Td (earned ) Tj ET Q q 0 0 0 rg BT 188.82 277.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 216.16 277.30 Td (totaling ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.07 277.30 Td (175%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 272.40 277.30 Td ( ) Tj ET Q q 0 0 0 rg BT 274.76 277.30 Td (of ) Tj ET Q q 0 0 0 rg BT 285.44 277.30 Td (the ) Tj ET Q q 0 0 0 rg BT 300.02 277.30 Td (number ) Tj ET Q q 0 0 0 rg BT 332.92 277.30 Td (of ) Tj ET Q q 0 0 0 rg BT 343.61 277.30 Td (units ) Tj ET Q q 0 0 0 rg BT 365.41 277.30 Td (issued, ) Tj ET Q q 0 0 0 rg BT 395.27 277.30 Td (based ) Tj ET Q q 0 0 0 rg BT 420.39 277.30 Td (on ) Tj ET Q q 0 0 0 rg BT 432.75 277.30 Td (the ) Tj ET Q q 0 0 0 rg BT 447.32 277.30 Td (Company) Tj ET Q q 0 0 0 rg BT 488.98 277.30 Td (s ) Tj ET Q q 0 0 0 rg BT 495.23 277.30 Td (total ) Tj ET Q q 0 0 0 rg BT 515.36 277.30 Td (shareholder ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 265.30 Td (return ) Tj ET Q q 0 0 0 rg BT 75.84 265.30 Td (relative ) Tj ET Q q 0 0 0 rg BT 107.79 265.30 Td (to ) Tj ET Q q 0 0 0 rg BT 117.53 265.30 Td (a ) Tj ET Q q 0 0 0 rg BT 123.93 265.30 Td (specified ) Tj ET Q q 0 0 0 rg BT 161.99 265.30 Td (peer ) Tj ET Q q 0 0 0 rg BT 181.16 265.30 Td (group ) Tj ET Q q 0 0 0 rg BT 206.46 265.30 Td (of ) Tj ET Q q 0 0 0 rg BT 216.75 265.30 Td (financial ) Tj ET Q q 0 0 0 rg BT 253.69 265.30 Td (institutions ) Tj ET Q q 0 0 0 rg BT 300.11 265.30 Td (over ) Tj ET Q q 0 0 0 rg BT 319.85 265.30 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 334.03 265.30 Td (three) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 354.01 265.30 Td ( ) Tj ET Q q 0 0 0 rg BT 355.98 265.30 Td (year ) Tj ET Q q 0 0 0 rg BT 375.15 265.30 Td (period. ) Tj ET Q q 0 0 0 rg BT 405.16 265.30 Td ( ) Tj ET Q q 0 0 0 rg BT 406.98 265.30 Td (The ) Tj ET Q q 0 0 0 rg BT 424.49 265.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 480.32 265.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 519.49 265.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 542.56 265.30 Td (units ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 253.30 Td (are ) Tj ET Q q 0 0 0 rg BT 64.48 253.30 Td (included ) Tj ET Q q 0 0 0 rg BT 101.20 253.30 Td (in ) Tj ET Q q 0 0 0 rg BT 111.25 253.30 Td (the ) Tj ET Q q 0 0 0 rg BT 125.75 253.30 Td (preceding ) Tj ET Q q 0 0 0 rg BT 167.45 253.30 Td (table ) Tj ET Q q 0 0 0 rg BT 189.16 253.30 Td (as ) Tj ET Q q 0 0 0 rg BT 199.77 253.30 Td (if ) Tj ET Q q 0 0 0 rg BT 208.15 253.30 Td (the ) Tj ET Q q 0 0 0 rg BT 222.65 253.30 Td (recipients ) Tj ET Q q 0 0 0 rg BT 263.80 253.30 Td (earned ) Tj ET Q q 0 0 0 rg BT 292.72 253.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 319.99 253.30 Td (equal ) Tj ET Q q 0 0 0 rg BT 343.92 253.30 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 353.98 253.30 Td (100%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 377.31 253.30 Td ( ) Tj ET Q q 0 0 0 rg BT 379.59 253.30 Td (of ) Tj ET Q q 0 0 0 rg BT 390.20 253.30 Td (the ) Tj ET Q q 0 0 0 rg BT 404.69 253.30 Td (units ) Tj ET Q q 0 0 0 rg BT 426.42 253.30 Td (issued. ) Tj ET Q q 0 0 0 rg BT 456.19 253.30 Td ( ) Tj ET Q q 0 0 0 rg BT 457.97 253.30 Td (A) Tj ET Q q 0 0 0 rg BT 464.64 253.30 Td ( ) Tj ET Q q 0 0 0 rg BT 466.92 253.30 Td (Monte ) Tj ET Q q 0 0 0 rg BT 495.30 253.30 Td (Carlo ) Tj ET Q q 0 0 0 rg BT 519.80 253.30 Td (simulation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 241.30 Td (model ) Tj ET Q q 0 0 0 rg BT 77.50 241.30 Td (was ) Tj ET Q q 0 0 0 rg BT 95.55 241.30 Td (used ) Tj ET Q q 0 0 0 rg BT 116.38 241.30 Td (to ) Tj ET Q q 0 0 0 rg BT 126.66 241.30 Td (value ) Tj ET Q q 0 0 0 rg BT 150.81 241.30 Td (the ) Tj ET Q q 0 0 0 rg BT 165.53 241.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 221.89 241.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 261.59 241.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 285.20 241.30 Td (units ) Tj ET Q q 0 0 0 rg BT 307.15 241.30 Td (at ) Tj ET Q q 0 0 0 rg BT 316.87 241.30 Td (the ) Tj ET Q q 0 0 0 rg BT 331.58 241.30 Td (time ) Tj ET Q q 0 0 0 rg BT 351.86 241.30 Td (of ) Tj ET Q q 0 0 0 rg BT 362.69 241.30 Td (issuance. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 229.30 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 217.30 Td (As ) Tj ET Q q 0 0 0 rg BT 64.41 217.30 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 76.03 217.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 135.41 217.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.41 217.30 Td (, ) Tj ET Q q 0 0 0 rg BT 161.21 217.30 Td (there ) Tj ET Q q 0 0 0 rg BT 184.49 217.30 Td (was ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 203.33 217.30 Td ($21.3 ) Tj ET Q q 0 0 0 rg BT 229.13 217.30 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 258.02 217.30 Td ( ) Tj ET Q q 0 0 0 rg BT 261.32 217.30 Td (of ) Tj ET Q q 0 0 0 rg BT 272.94 217.30 Td (total ) Tj ET Q q 0 0 0 rg BT 294.01 217.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 351.17 217.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 410.00 217.30 Td (cost ) Tj ET Q q 0 0 0 rg BT 429.41 217.30 Td (related ) Tj ET Q q 0 0 0 rg BT 459.90 217.30 Td (to ) Tj ET Q q 0 0 0 rg BT 470.98 217.30 Td (nonvested ) Tj ET Q q 0 0 0 rg BT 514.82 217.30 Td (share-based ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 205.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 110.82 205.30 Td (arrangements ) Tj ET Q q 0 0 0 rg BT 169.95 205.30 Td (\(including ) Tj ET Q q 0 0 0 rg BT 216.33 205.30 Td (share ) Tj ET Q q 0 0 0 rg BT 242.71 205.30 Td (option ) Tj ET Q q 0 0 0 rg BT 273.54 205.30 Td (and ) Tj ET Q q 0 0 0 rg BT 293.25 205.30 Td (nonvested ) Tj ET Q q 0 0 0 rg BT 339.07 205.30 Td (share ) Tj ET Q q 0 0 0 rg BT 365.45 205.30 Td (awards\) ) Tj ET Q q 0 0 0 rg BT 402.37 205.30 Td (granted ) Tj ET Q q 0 0 0 rg BT 437.63 205.30 Td (under ) Tj ET Q q 0 0 0 rg BT 465.68 205.30 Td (the ) Tj ET Q q 0 0 0 rg BT 483.17 205.30 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 525.11 205.30 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 552.00 205.30 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 193.30 Td (December31, ) Tj ET Q q 0 0 0 rg BT 107.77 193.30 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.77 193.30 Td (, ) Tj ET Q q 0 0 0 rg BT 131.95 193.30 Td (the ) Tj ET Q q 0 0 0 rg BT 145.85 193.30 Td (weighted-average ) Tj ET Q q 0 0 0 rg BT 218.61 193.30 Td (period ) Tj ET Q q 0 0 0 rg BT 245.84 193.30 Td (over ) Tj ET Q q 0 0 0 rg BT 265.29 193.30 Td (which ) Tj ET Q q 0 0 0 rg BT 291.42 193.30 Td (the ) Tj ET Q q 0 0 0 rg BT 305.32 193.30 Td (unrecognized ) Tj ET Q q 0 0 0 rg BT 360.86 193.30 Td (compensation ) Tj ET Q q 0 0 0 rg BT 418.09 193.30 Td (expense ) Tj ET Q q 0 0 0 rg BT 451.98 193.30 Td (is ) Tj ET Q q 0 0 0 rg BT 460.34 193.30 Td (expected ) Tj ET Q q 0 0 0 rg BT 497.55 193.30 Td (to ) Tj ET Q q 0 0 0 rg BT 507.02 193.30 Td (be ) Tj ET Q q 0 0 0 rg BT 518.14 193.30 Td (recognized ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 181.30 Td (was ) Tj ET Q q 0 0 0 rg BT 68.05 181.30 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.31 181.30 Td (two) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 143.31 181.30 Td ( ) Tj ET Q q 0 0 0 rg BT 145.81 181.30 Td (years.) Tj ET Q endstream endobj 273 0 obj <> endobj 274 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (136) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 20. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Derivative Financial Instruments) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.16 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.66 718.25 Td (of) Tj ET Q q 0 0 0 rg BT 117.81 718.25 Td (fers ) Tj ET Q q 0 0 0 rg BT 135.41 718.25 Td (various ) Tj ET Q q 0 0 0 rg BT 167.46 718.25 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 216.45 718.25 Td (including ) Tj ET Q q 0 0 0 rg BT 256.83 718.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 288.88 718.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 306.47 718.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 333.53 718.25 Td (and ) Tj ET Q q 0 0 0 rg BT 350.58 718.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 382.07 718.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 419.66 718.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 453.92 718.25 Td (contracts, ) Tj ET Q q 0 0 0 rg BT 495.13 718.25 Td (to ) Tj ET Q q 0 0 0 rg BT 505.52 718.25 Td (our ) Tj ET Q q 0 0 0 rg BT 521.46 718.25 Td (customers ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (which ) Tj ET Q q 0 0 0 rg BT 76.24 706.25 Td (can ) Tj ET Q q 0 0 0 rg BT 91.91 706.25 Td (mitigate ) Tj ET Q q 0 0 0 rg BT 126.48 706.25 Td (our ) Tj ET Q q 0 0 0 rg BT 141.61 706.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 179.51 706.25 Td (to ) Tj ET Q q 0 0 0 rg BT 189.09 706.25 Td (market ) Tj ET Q q 0 0 0 rg BT 218.65 706.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 235.45 706.25 Td (through ) Tj ET Q q 0 0 0 rg BT 268.36 706.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.37 706.25 Td (execution ) Tj ET Q q 0 0 0 rg BT 323.04 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 333.17 706.25 Td (of) Tj ET Q q 0 0 0 rg BT 341.32 706.25 Td (f-setting ) Tj ET Q q 0 0 0 rg BT 376.45 706.25 Td (positions ) Tj ET Q q 0 0 0 rg BT 414.37 706.25 Td (with ) Tj ET Q q 0 0 0 rg BT 433.94 706.25 Td (inter) Tj ET Q q 0 0 0 rg BT 452.07 706.25 Td (-bank ) Tj ET Q q 0 0 0 rg BT 476.64 706.25 Td (dealer ) Tj ET Q q 0 0 0 rg BT 502.86 706.25 Td (counterparties. ) Tj ET Q q 0 0 0 rg BT 564.50 706.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (This ) Tj ET Q q 0 0 0 rg BT 69.54 694.25 Td (also ) Tj ET Q q 0 0 0 rg BT 87.41 694.25 Td (permits ) Tj ET Q q 0 0 0 rg BT 119.16 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 133.14 694.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 173.79 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 183.33 694.25 Td (of) Tj ET Q q 0 0 0 rg BT 191.47 694.25 Td (fer ) Tj ET Q q 0 0 0 rg BT 204.33 694.25 Td (customized ) Tj ET Q q 0 0 0 rg BT 251.64 694.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 268.40 694.25 Td (management ) Tj ET Q q 0 0 0 rg BT 321.25 694.25 Td (solutions ) Tj ET Q q 0 0 0 rg BT 359.12 694.25 Td (to ) Tj ET Q q 0 0 0 rg BT 368.66 694.25 Td (our ) Tj ET Q q 0 0 0 rg BT 383.75 694.25 Td (customers. ) Tj ET Q q 0 0 0 rg BT 428.56 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 430.19 694.25 Td (These ) Tj ET Q q 0 0 0 rg BT 455.83 694.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 494.25 694.25 Td (accommodations ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.55 682.25 Td (any ) Tj ET Q q 0 0 0 rg BT 85.11 682.25 Td (of) Tj ET Q q 0 0 0 rg BT 93.25 682.25 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 126.36 682.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 164.46 682.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 203.67 682.25 Td (are ) Tj ET Q q 0 0 0 rg BT 218.99 682.25 Td (treated ) Tj ET Q q 0 0 0 rg BT 249.30 682.25 Td (as ) Tj ET Q q 0 0 0 rg BT 260.75 682.25 Td (non-designated ) Tj ET Q q 0 0 0 rg BT 324.96 682.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 368.05 682.25 Td (instruments ) Tj ET Q q 0 0 0 rg BT 417.83 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 435.38 682.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 466.25 682.25 Td (at ) Tj ET Q q 0 0 0 rg BT 476.58 682.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 493.57 682.25 Td (value ) Tj ET Q q 0 0 0 rg BT 518.34 682.25 Td (through ) Tj ET Q q 0 0 0 rg BT 552.57 682.25 Td (an ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 96.38 670.25 Td (to ) Tj ET Q q 0 0 0 rg BT 106.66 670.25 Td (the ) Tj ET Q q 0 0 0 rg BT 121.38 670.25 Td (statement ) Tj ET Q q 0 0 0 rg BT 162.20 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 173.03 670.25 Td (operations.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.38 646.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 99.76 646.25 Td (swap ) Tj ET Q q 0 0 0 rg BT 122.71 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 139.55 646.25 Td (foreign ) Tj ET Q q 0 0 0 rg BT 170.82 646.25 Td (currency ) Tj ET Q q 0 0 0 rg BT 208.19 646.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 242.24 646.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 280.73 646.25 Td (involve ) Tj ET Q q 0 0 0 rg BT 313.12 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 327.73 646.25 Td (risk ) Tj ET Q q 0 0 0 rg BT 345.13 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 355.86 646.25 Td (dealing ) Tj ET Q q 0 0 0 rg BT 387.69 646.25 Td (with ) Tj ET Q q 0 0 0 rg BT 407.86 646.25 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 466.90 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 483.73 646.25 Td (their ) Tj ET Q q 0 0 0 rg BT 504.46 646.25 Td (ability ) Tj ET Q q 0 0 0 rg BT 532.40 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 542.58 646.25 Td (meet ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (contractual ) Tj ET Q q 0 0 0 rg BT 96.65 634.25 Td (terms. ) Tj ET Q q 0 0 0 rg BT 123.59 634.25 Td ( ) Tj ET Q q 0 0 0 rg BT 125.66 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 143.44 634.25 Td (net ) Tj ET Q q 0 0 0 rg BT 157.88 634.25 Td (amount ) Tj ET Q q 0 0 0 rg BT 190.11 634.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 223.43 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 233.99 634.25 Td (receivable ) Tj ET Q q 0 0 0 rg BT 277.30 634.25 Td (under ) Tj ET Q q 0 0 0 rg BT 302.29 634.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 333.96 634.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 351.17 634.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 377.84 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 386.74 634.25 Td (accrued ) Tj ET Q q 0 0 0 rg BT 420.06 634.25 Td (as ) Tj ET Q q 0 0 0 rg BT 430.62 634.25 Td (an ) Tj ET Q q 0 0 0 rg BT 442.28 634.25 Td (adjustment ) Tj ET Q q 0 0 0 rg BT 488.39 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 498.40 634.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 530.06 634.25 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.47 622.25 Td (net ) Tj ET Q q 0 0 0 rg BT 81.62 622.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.54 622.25 Td (payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 144.63 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 146.56 622.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 155.70 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 213.71 622.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 233.71 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 235.64 622.25 Td (was ) Tj ET Q q 0 0 0 rg BT 253.12 622.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 312.80 622.25 Td ($1 ) Tj ET Q q 0 0 0 rg BT 324.73 622.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 360.83 622.25 Td (, ) Tj ET Q q 0 0 0 rg BT 365.26 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 381.63 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 395.77 622.25 Td (net ) Tj ET Q q 0 0 0 rg BT 409.91 622.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.83 622.25 Td (payable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.93 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 474.85 622.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 484.00 622.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 542.01 622.25 Td (2015) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (was ) Tj ET Q q 0 0 0 rg BT 67.79 610.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 127.79 610.25 Td ($1 ) Tj ET Q q 0 0 0 rg BT 140.03 610.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 176.14 610.25 Td (. ) Tj ET Q q 0 0 0 rg BT 183.22 610.25 Td (The ) Tj ET Q q 0 0 0 rg BT 201.01 610.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 247.83 610.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 272.84 610.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 311.18 610.25 Td (on ) Tj ET Q q 0 0 0 rg BT 323.42 610.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 355.09 610.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 372.32 610.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 399.00 610.25 Td (is ) Tj ET Q q 0 0 0 rg BT 407.91 610.25 Td (limited ) Tj ET Q q 0 0 0 rg BT 438.49 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 448.50 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 462.96 610.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 509.78 610.25 Td (net ) Tj ET Q q 0 0 0 rg BT 524.24 610.25 Td (favorable ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (value ) Tj ET Q q 0 0 0 rg BT 73.35 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 89.49 598.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 120.62 598.25 Td (payments ) Tj ET Q q 0 0 0 rg BT 160.65 598.25 Td (of ) Tj ET Q q 0 0 0 rg BT 170.67 598.25 Td (all ) Tj ET Q q 0 0 0 rg BT 182.37 598.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 208.51 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 217.99 598.25 Td (each ) Tj ET Q q 0 0 0 rg BT 238.00 598.25 Td (counterparty) Tj ET Q q 0 0 0 rg BT 287.88 598.25 Td (. ) Tj ET Q q 0 0 0 rg BT 292.08 598.25 Td ( ) Tj ET Q q 0 0 0 rg BT 293.78 598.25 Td (In ) Tj ET Q q 0 0 0 rg BT 303.81 598.25 Td (such ) Tj ET Q q 0 0 0 rg BT 323.83 598.25 Td (cases, ) Tj ET Q q 0 0 0 rg BT 349.13 598.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 388.03 598.25 Td (is ) Tj ET Q q 0 0 0 rg BT 396.40 598.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 435.30 598.25 Td (required ) Tj ET Q q 0 0 0 rg BT 470.31 598.25 Td (from ) Tj ET Q q 0 0 0 rg BT 491.45 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 505.36 598.25 Td (counterparties ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (involved ) Tj ET Q q 0 0 0 rg BT 87.14 586.25 Td (if ) Tj ET Q q 0 0 0 rg BT 95.39 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.74 586.25 Td (net ) Tj ET Q q 0 0 0 rg BT 124.10 586.25 Td (value ) Tj ET Q q 0 0 0 rg BT 147.90 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 158.37 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 172.73 586.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 199.31 586.25 Td (exceeds ) Tj ET Q q 0 0 0 rg BT 233.10 586.25 Td (a ) Tj ET Q q 0 0 0 rg BT 239.68 586.25 Td (nominal ) Tj ET Q q 0 0 0 rg BT 274.59 586.25 Td (amount. ) Tj ET Q q 0 0 0 rg BT 311.26 586.25 Td (At ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 323.40 586.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 381.62 586.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 401.62 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 406.26 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 420.62 586.25 Td (Company) Tj ET Q q 0 0 0 rg BT 462.29 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 468.32 586.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 493.22 586.25 Td (exposure ) Tj ET Q q 0 0 0 rg BT 531.46 586.25 Td (relating ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (to ) Tj ET Q q 0 0 0 rg BT 60.28 574.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 92.21 574.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 109.70 574.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 136.64 574.25 Td (was ) Tj ET Q q 0 0 0 rg BT 154.69 574.25 Td (approximately ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 214.95 574.25 Td ($15.5 ) Tj ET Q q 0 0 0 rg BT 239.95 574.25 Td (million) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 268.84 574.25 Td (, ) Tj ET Q q 0 0 0 rg BT 273.84 574.25 Td (which ) Tj ET Q q 0 0 0 rg BT 300.78 574.25 Td (was ) Tj ET Q q 0 0 0 rg BT 318.83 574.25 Td (secured ) Tj ET Q q 0 0 0 rg BT 351.87 574.25 Td (by ) Tj ET Q q 0 0 0 rg BT 364.37 574.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.09 574.25 Td (underlying ) Tj ET Q q 0 0 0 rg BT 424.91 574.25 Td (collateral ) Tj ET Q q 0 0 0 rg BT 464.61 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 477.11 574.25 Td (customer ) Tj ET Q q 0 0 0 rg BT 516.26 574.25 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.44 550.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.23 550.25 Td (also ) Tj ET Q q 0 0 0 rg BT 126.23 550.25 Td (enters ) Tj ET Q q 0 0 0 rg BT 152.01 550.25 Td (into ) Tj ET Q q 0 0 0 rg BT 169.46 550.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 209.12 550.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 243.23 550.25 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 289.00 550.25 Td (which ) Tj ET Q q 0 0 0 rg BT 315.34 550.25 Td (are ) Tj ET Q q 0 0 0 rg BT 329.44 550.25 Td (classified ) Tj ET Q q 0 0 0 rg BT 369.10 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 379.33 550.25 Td (non-designated ) Tj ET Q q 0 0 0 rg BT 442.32 550.25 Td (derivatives. ) Tj ET Q q 0 0 0 rg BT 490.59 550.25 Td ( ) Tj ET Q q 0 0 0 rg BT 492.35 550.25 Td (These ) Tj ET Q q 0 0 0 rg BT 518.12 550.25 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (include ) Tj ET Q q 0 0 0 rg BT 81.56 538.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 113.13 538.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 130.24 538.25 Td (lock ) Tj ET Q q 0 0 0 rg BT 149.59 538.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 206.16 538.25 Td (provided ) Tj ET Q q 0 0 0 rg BT 243.84 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 253.75 538.25 Td (customers ) Tj ET Q q 0 0 0 rg BT 296.42 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 306.33 538.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 326.79 538.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 356.12 538.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 396.02 538.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 419.26 538.25 Td (to ) Tj ET Q q 0 0 0 rg BT 429.17 538.25 Td (be ) Tj ET Q q 0 0 0 rg BT 440.73 538.25 Td (sold ) Tj ET Q q 0 0 0 rg BT 459.54 538.25 Td (into ) Tj ET Q q 0 0 0 rg BT 477.22 538.25 Td (the ) Tj ET Q q 0 0 0 rg BT 491.57 538.25 Td (secondary ) Tj ET Q q 0 0 0 rg BT 534.24 538.25 Td (market ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.07 526.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 101.36 526.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 158.43 526.25 Td (for ) Tj ET Q q 0 0 0 rg BT 172.73 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 187.58 526.25 Td (future ) Tj ET Q q 0 0 0 rg BT 214.10 526.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 249.50 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 260.46 526.25 Td (such ) Tj ET Q q 0 0 0 rg BT 281.43 526.25 Td (loans. ) Tj ET Q q 0 0 0 rg BT 307.67 526.25 Td (It ) Tj ET Q q 0 0 0 rg BT 316.42 526.25 Td (is ) Tj ET Q q 0 0 0 rg BT 325.72 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 340.57 526.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 387.79 526.25 Td (practice ) Tj ET Q q 0 0 0 rg BT 422.07 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 432.48 526.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 455.10 526.25 Td (into ) Tj ET Q q 0 0 0 rg BT 473.29 526.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 507.58 526.25 Td (commitments ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (for ) Tj ET Q q 0 0 0 rg BT 63.62 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 77.79 514.25 Td (future ) Tj ET Q q 0 0 0 rg BT 103.63 514.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 138.35 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.64 514.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 192.25 514.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 231.97 514.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 255.03 514.25 Td (when ) Tj ET Q q 0 0 0 rg BT 278.65 514.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 310.04 514.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 326.99 514.25 Td (lock ) Tj ET Q q 0 0 0 rg BT 346.16 514.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 402.56 514.25 Td (are ) Tj ET Q q 0 0 0 rg BT 416.72 514.25 Td (entered ) Tj ET Q q 0 0 0 rg BT 448.11 514.25 Td (into ) Tj ET Q q 0 0 0 rg BT 465.62 514.25 Td (in ) Tj ET Q q 0 0 0 rg BT 475.36 514.25 Td (order ) Tj ET Q q 0 0 0 rg BT 498.41 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 508.15 514.25 Td (economically ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 76.71 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 91.76 502.25 Td (ef) Tj ET Q q 0 0 0 rg BT 99.34 502.25 Td (fect ) Tj ET Q q 0 0 0 rg BT 117.16 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.32 502.25 Td (future ) Tj ET Q q 0 0 0 rg BT 155.03 502.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 190.07 502.25 Td (in ) Tj ET Q q 0 0 0 rg BT 200.68 502.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 232.94 502.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 254.65 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 267.48 502.25 Td (its ) Tj ET Q q 0 0 0 rg BT 279.76 502.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 337.03 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 347.64 502.25 Td (fund ) Tj ET Q q 0 0 0 rg BT 368.80 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 383.85 502.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 407.79 502.25 Td (as ) Tj ET Q q 0 0 0 rg BT 418.95 502.25 Td (well ) Tj ET Q q 0 0 0 rg BT 439.00 502.25 Td (as ) Tj ET Q q 0 0 0 rg BT 450.16 502.25 Td (on ) Tj ET Q q 0 0 0 rg BT 462.99 502.25 Td (its ) Tj ET Q q 0 0 0 rg BT 475.27 502.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 513.09 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 524.25 502.25 Td (mortgage ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.61 490.25 Td (held-for) Tj ET Q q 0 0 0 rg BT 105.62 490.25 Td (-sale.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.55 466.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 108.43 466.25 Td (had ) Tj ET Q q 0 0 0 rg BT 124.87 466.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 140.74 466.25 Td (value ) Tj ET Q q 0 0 0 rg BT 164.40 466.25 Td (commercial ) Tj ET Q q 0 0 0 rg BT 213.59 466.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 232.81 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 264.24 466.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 281.22 466.25 Td (swaps, ) Tj ET Q q 0 0 0 rg BT 310.17 466.25 Td (to ) Tj ET Q q 0 0 0 rg BT 319.94 466.25 Td (hedge ) Tj ET Q q 0 0 0 rg BT 345.82 466.25 Td (its ) Tj ET Q q 0 0 0 rg BT 357.27 466.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 388.70 466.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 405.68 466.25 Td (risk, ) Tj ET Q q 0 0 0 rg BT 425.18 466.25 Td (with ) Tj ET Q q 0 0 0 rg BT 444.96 466.25 Td (an ) Tj ET Q q 0 0 0 rg BT 456.39 466.25 Td (aggregate ) Tj ET Q q 0 0 0 rg BT 497.25 466.25 Td (notional ) Tj ET Q q 0 0 0 rg BT 532.03 466.25 Td (amount ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 60.75 454.25 Td ($107 ) Tj ET Q q 0 0 0 rg BT 83.17 454.25 Td (thousand) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 119.28 454.25 Td ( ) Tj ET Q q 0 0 0 rg BT 121.69 454.25 Td (at ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 131.33 454.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 189.83 454.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 209.83 454.25 Td (. ) Tj ET Q q 0 0 0 rg BT 217.25 454.25 Td (For ) Tj ET Q q 0 0 0 rg BT 233.56 454.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 249.86 454.25 Td (value ) Tj ET Q q 0 0 0 rg BT 273.93 454.25 Td (hedges, ) Tj ET Q q 0 0 0 rg BT 306.62 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 321.25 454.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 355.88 454.25 Td (in ) Tj ET Q q 0 0 0 rg BT 366.07 454.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 382.37 454.25 Td (values ) Tj ET Q q 0 0 0 rg BT 410.33 454.25 Td (of ) Tj ET Q q 0 0 0 rg BT 421.08 454.25 Td (both ) Tj ET Q q 0 0 0 rg BT 441.28 454.25 Td (the ) Tj ET Q q 0 0 0 rg BT 455.92 454.25 Td (hedging ) Tj ET Q q 0 0 0 rg BT 490.55 454.25 Td (derivative ) Tj ET Q q 0 0 0 rg BT 532.95 454.25 Td (and ) Tj ET Q q 0 0 0 rg BT 549.81 454.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 442.25 Td (hedged ) Tj ET Q q 0 0 0 rg BT 81.38 442.25 Td (item ) Tj ET Q q 0 0 0 rg BT 101.65 442.25 Td (were ) Tj ET Q q 0 0 0 rg BT 123.58 442.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 161.05 442.25 Td (in ) Tj ET Q q 0 0 0 rg BT 171.33 442.25 Td (current ) Tj ET Q q 0 0 0 rg BT 202.15 442.25 Td (earnings ) Tj ET Q q 0 0 0 rg BT 238.53 442.25 Td (as ) Tj ET Q q 0 0 0 rg BT 249.36 442.25 Td (other ) Tj ET Q q 0 0 0 rg BT 272.40 442.25 Td (income.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.25 Td (Interest ) Tj ET Q q 0 0 0 rg BT 82.62 413.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 100.25 413.25 Td (swaps ) Tj ET Q q 0 0 0 rg BT 127.33 413.25 Td (are ) Tj ET Q q 0 0 0 rg BT 142.17 413.25 Td (used ) Tj ET Q q 0 0 0 rg BT 163.14 413.25 Td (in ) Tj ET Q q 0 0 0 rg BT 173.56 413.25 Td (order ) Tj ET Q q 0 0 0 rg BT 197.30 413.25 Td (to ) Tj ET Q q 0 0 0 rg BT 207.71 413.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 234.79 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 249.64 413.25 Td (price ) Tj ET Q q 0 0 0 rg BT 272.27 413.25 Td (volatility ) Tj ET Q q 0 0 0 rg BT 311.01 413.25 Td (of ) Tj ET Q q 0 0 0 rg BT 321.98 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 336.84 413.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 377.24 413.25 Td (servicing ) Tj ET Q q 0 0 0 rg BT 416.53 413.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 441.95 413.25 Td (asset. ) Tj ET Q q 0 0 0 rg BT 466.33 413.25 Td (The ) Tj ET Q q 0 0 0 rg BT 484.52 413.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 526.04 413.25 Td (also ) Tj ET Q q 0 0 0 rg BT 544.79 413.25 Td (uses ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 401.25 Td (forward ) Tj ET Q q 0 0 0 rg BT 83.84 401.25 Td (commitments ) Tj ET Q q 0 0 0 rg BT 140.46 401.25 Td (to ) Tj ET Q q 0 0 0 rg BT 150.43 401.25 Td (buy ) Tj ET Q q 0 0 0 rg BT 167.62 401.25 Td (to-be-announced ) Tj ET Q q 0 0 0 rg BT 237.00 401.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 276.95 401.25 Td (securities ) Tj ET Q q 0 0 0 rg BT 316.90 401.25 Td (for ) Tj ET Q q 0 0 0 rg BT 330.75 401.25 Td (which ) Tj ET Q q 0 0 0 rg BT 357.37 401.25 Td (the ) Tj ET Q q 0 0 0 rg BT 371.78 401.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 412.85 401.25 Td (does ) Tj ET Q q 0 0 0 rg BT 433.37 401.25 Td (not ) Tj ET Q q 0 0 0 rg BT 448.33 401.25 Td (intend ) Tj ET Q q 0 0 0 rg BT 475.52 401.25 Td (to ) Tj ET Q q 0 0 0 rg BT 485.48 401.25 Td (take ) Tj ET Q q 0 0 0 rg BT 504.33 401.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 539.28 401.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.79 401.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 389.25 Td (security ) Tj ET Q q 0 0 0 rg BT 84.18 389.25 Td (and ) Tj ET Q q 0 0 0 rg BT 101.14 389.25 Td (will ) Tj ET Q q 0 0 0 rg BT 119.21 389.25 Td (enter ) Tj ET Q q 0 0 0 rg BT 141.72 389.25 Td (into ) Tj ET Q q 0 0 0 rg BT 159.80 389.25 Td (an ) Tj ET Q q 0 0 0 rg BT 171.76 389.25 Td (of) Tj ET Q q 0 0 0 rg BT 179.91 389.25 Td (fsetting ) Tj ET Q q 0 0 0 rg BT 212.42 389.25 Td (position ) Tj ET Q q 0 0 0 rg BT 247.17 389.25 Td (before ) Tj ET Q q 0 0 0 rg BT 275.23 389.25 Td (physical ) Tj ET Q q 0 0 0 rg BT 311.07 389.25 Td (delivery ) Tj ET Q q 0 0 0 rg BT 346.36 389.25 Td (to ) Tj ET Q q 0 0 0 rg BT 356.66 389.25 Td (lessen ) Tj ET Q q 0 0 0 rg BT 383.62 389.25 Td (the ) Tj ET Q q 0 0 0 rg BT 398.36 389.25 Td (price ) Tj ET Q q 0 0 0 rg BT 420.86 389.25 Td (volatility ) Tj ET Q q 0 0 0 rg BT 459.49 389.25 Td (of ) Tj ET Q q 0 0 0 rg BT 470.34 389.25 Td (the ) Tj ET Q q 0 0 0 rg BT 485.08 389.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 525.36 389.25 Td (servicing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 377.25 Td (rights ) Tj ET Q q 0 0 0 rg BT 75.37 377.25 Td (asset. ) Tj ET Q q 0 0 0 rg BT 99.89 377.25 Td ( ) Tj ET Q q 0 0 0 rg BT 102.29 377.25 Td (These ) Tj ET Q q 0 0 0 rg BT 128.75 377.25 Td (derivatives ) Tj ET Q q 0 0 0 rg BT 175.21 377.25 Td (are ) Tj ET Q q 0 0 0 rg BT 190.01 377.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 227.57 377.25 Td (at ) Tj ET Q q 0 0 0 rg BT 237.37 377.25 Td (their ) Tj ET Q q 0 0 0 rg BT 258.29 377.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 274.75 377.25 Td (value ) Tj ET Q q 0 0 0 rg BT 298.99 377.25 Td (on ) Tj ET Q q 0 0 0 rg BT 311.58 377.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.38 377.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 379.51 377.25 Td (balance ) Tj ET Q q 0 0 0 rg BT 412.63 377.25 Td (sheets ) Tj ET Q q 0 0 0 rg BT 439.66 377.25 Td (in ) Tj ET Q q 0 0 0 rg BT 450.02 377.25 Td (other ) Tj ET Q q 0 0 0 rg BT 473.15 377.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 499.07 377.25 Td (with ) Tj ET Q q 0 0 0 rg BT 519.44 377.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 554.23 377.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 365.25 Td (fair ) Tj ET Q q 0 0 0 rg BT 66.38 365.25 Td (value ) Tj ET Q q 0 0 0 rg BT 90.53 365.25 Td (recorded ) Tj ET Q q 0 0 0 rg BT 128.01 365.25 Td (on ) Tj ET Q q 0 0 0 rg BT 140.51 365.25 Td (the ) Tj ET Q q 0 0 0 rg BT 155.22 365.25 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 208.27 365.25 Td (statements ) Tj ET Q q 0 0 0 rg BT 252.98 365.25 Td (of ) Tj ET Q q 0 0 0 rg BT 263.81 365.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 307.96 365.25 Td (in ) Tj ET Q q 0 0 0 rg BT 318.24 365.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 358.51 365.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 393.22 365.25 Td (revenue ) Tj ET Q q 0 0 0 rg BT 427.37 365.25 Td (in ) Tj ET Q q 0 0 0 rg BT 437.65 365.25 Td (non-interest ) Tj ET Q q 0 0 0 rg BT 487.91 365.25 Td (income. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 348.25 Td () Tj ET Q endstream endobj 275 0 obj <> endobj 276 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (137) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The Company) Tj ET Q q 0 0 0 rg BT 109.71 742.10 Td (s derivative financial instruments are summarized below as of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 359.91 742.10 Td (December31, 2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.49 742.10 Td ( and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 457.93 742.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 477.93 742.10 Td ( \(in thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.10 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 671.60 115.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 671.60 4.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 671.60 47.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 671.60 4.00 -30.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 671.60 44.00 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gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 625.60 47.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 625.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 625.60 47.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 625.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 625.60 47.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 625.60 44.00 -22.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 625.60 4.00 -22.00 re f /GS0 gs 0.8 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/GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 541.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 517.60 115.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 517.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 517.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 517.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 517.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 517.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 517.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 517.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 517.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 517.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 493.60 115.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 493.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 493.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 493.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 493.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 493.60 47.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 493.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 493.60 48.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 493.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 493.60 44.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 461.60 115.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 165.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 169.50 461.60 47.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 216.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 220.50 461.60 44.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 264.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 268.50 461.60 47.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 319.50 461.60 44.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 363.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 367.50 461.60 47.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 414.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 418.50 461.60 44.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 462.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 466.50 461.60 48.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 514.50 461.60 4.00 -16.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 518.50 461.60 44.00 -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 169.5 707.6 m 216.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 707.6 m 220.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 707.6 m 264.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 264.5 707.6 m 268.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 707.6 m 315.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 707.6 m 319.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 707.6 m 363.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 707.6 m 414.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 707.6 m 418.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 707.6 m 462.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 462.5 707.6 m 466.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 707.6 m 514.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 707.6 m 518.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 707.6 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 169.5 707.6 m 216.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 695.6 m 216.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 216.5 695.6 m 220.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 695.6 m 264.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 707.6 m 315.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 695.6 m 315.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 707.6 m 319.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 695.6 m 319.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 707.6 m 363.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 695.6 m 363.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 707.6 m 414.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 695.6 m 414.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 414.5 695.6 m 418.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 695.6 m 462.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 707.6 m 514.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 695.6 m 514.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 707.6 m 518.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 514.5 695.6 m 518.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 707.6 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 518.5 695.6 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 220.5 695.6 m 264.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 695.6 m 363.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 695.6 m 462.5 695.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 695.6 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 169.5 671.6 m 216.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 671.6 m 264.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 671.6 m 315.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 671.6 m 363.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 671.6 m 414.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 671.6 m 462.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 671.6 m 514.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 671.6 m 562.5 671.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 481.6 m 216.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 481.6 m 264.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 481.6 m 315.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 481.6 m 363.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 481.6 m 414.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 481.6 m 462.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 481.6 m 514.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 481.6 m 562.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 461.6 m 216.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 481.6 m 264.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 461.6 m 264.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 481.6 m 315.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 461.6 m 315.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 481.6 m 363.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 461.6 m 363.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 481.6 m 414.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 461.6 m 414.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 481.6 m 462.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 461.6 m 462.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 481.6 m 514.5 481.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 461.6 m 514.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 481.6 m 562.5 481.6 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 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 169.5 461.6 m 216.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 446.6 m 216.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 169.5 444.6 m 216.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 461.6 m 264.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 446.6 m 264.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 220.5 444.6 m 264.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 461.6 m 315.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 446.6 m 315.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 268.5 444.6 m 315.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 461.6 m 363.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 446.6 m 363.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 319.5 444.6 m 363.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 461.6 m 414.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 446.6 m 414.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 367.5 444.6 m 414.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 461.6 m 462.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 446.6 m 462.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 418.5 444.6 m 462.5 444.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 461.6 m 514.5 461.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 446.6 m 514.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 466.5 444.6 m 514.5 444.6 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 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 518.5 446.6 m 562.5 446.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 518.5 444.6 m 562.5 444.6 l s BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 711.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 236.55 711.68 Td (AssetDerivatives) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 429.50 711.68 Td (LiabilityDerivatives) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 699.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 184.25 699.68 Td (December31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 283.25 699.68 Td (December31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 382.25 699.68 Td (December31, 2016) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 481.75 699.68 Td (December31, 2015) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 687.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 177.80 687.68 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.65 687.68 Td (Estimated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 276.80 687.68 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 323.65 687.68 Td (Estimated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 375.80 687.68 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 422.65 687.68 Td (Estimated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.30 687.68 Td (Notional) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.65 687.68 Td (Estimated) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 53.00 675.68 Td () Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 178.45 675.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 224.15 675.68 Td (FairValue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 277.45 675.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 323.15 675.68 Td (FairValue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 376.45 675.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 422.15 675.68 Td (FairValue) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 475.95 675.68 Td (Amount) Tj ET Q BT /F2 8.00 Tf ET q 0 0 0 rg BT 522.15 675.68 Td (FairValue) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 661.85 Td (Derivative instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 653.85 Td (designated as hedges of fair) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 645.85 Td (value:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 645.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 629.85 Td (Interest rate swap contracts ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 142.29 633.48 Td (\(1\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.30 629.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 629.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 629.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 629.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 629.85 Td (107) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.60 629.85 Td (\(4) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 629.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 629.85 Td (154) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 521.00 629.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 552.60 629.85 Td (\(9) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 629.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 615.85 Td (Stand-alone derivative ) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 607.85 Td (instruments: ) Tj ET Q BT /F1 8.00 Tf ET BT /F1 5.20 Tf ET q 0 0 0 rg BT 94.55 611.48 Td (\(2\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 213.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 261.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 312.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 360.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 411.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 511.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.00 607.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 595.55 Td (Interest rate swap contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.25 595.55 Td (1,310,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.25 595.55 Td (25,471) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.25 595.55 Td (1,034,298) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.25 595.55 Td (27,856) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 595.55 Td (1,310,057) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 595.55 Td (\(25,471) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 595.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 595.55 Td (1,025,186) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 595.55 Td (\(27,899) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 595.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 583.55 Td (Interest rate options contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 583.55 Td (217,546) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 249.25 583.55 Td (881) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.25 583.55 Td (222,585) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 348.25 583.55 Td (628) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.25 583.55 Td (217,546) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.60 583.55 Td (\(881) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 583.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.25 583.55 Td (190,622) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 544.60 583.55 Td (\(585) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 583.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 571.55 Td (Foreign exchange contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.25 571.55 Td (40,641) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.25 571.55 Td (4,429) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.25 571.55 Td (72,529) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.25 571.55 Td (3,970) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.25 571.55 Td (40,505) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.60 571.55 Td (\(4,265) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 571.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 489.25 571.55 Td (63,339) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 571.55 Td (\(3,671) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 571.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 558.85 Td (Spot foreign exchange contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 195.25 558.85 Td (1,691) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 558.85 Td (12) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 300.30 558.85 Td (328) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 356.30 558.85 Td (5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 399.30 558.85 Td (660) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 452.60 558.85 Td (\(5) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 558.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 499.30 558.85 Td (132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 558.85 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 545.85 Td (Mortgage banking derivatives:) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 533.55 Td ( Interest rate swap contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 533.55 Td (383,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.25 533.55 Td (2,946) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.25 533.55 Td (898,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.25 533.55 Td (4,928) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 533.55 Td (1,458,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 533.55 Td (\(31,212) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 533.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.25 533.55 Td (665,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 533.55 Td (\(3,723) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 533.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 521.55 Td ( Treasury futures contracts) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 191.25 521.55 Td (15,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 521.55 Td (41) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 304.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 521.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 509.55 Td ( TBA mortgage securities) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 205.30 509.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 253.30 509.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 290.25 509.55 Td (35,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 352.30 509.55 Td (33) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 389.25 509.55 Td (55,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 444.60 509.55 Td (\(132) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 509.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 509.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 509.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 497.55 Td ( Forward loan sale commitments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 497.55 Td (585,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.25 497.55 Td (7,646) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.25 497.55 Td (503,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.25 497.55 Td (1,604) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 385.25 497.55 Td (386,000) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 438.60 497.55 Td (\(1,915) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 497.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 485.25 497.55 Td (475,500) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 538.60 497.55 Td (\(1,087) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 497.55 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 53.00 485.55 Td ( Interest rate lock commitments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 187.25 485.55 Td (543,901) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 243.25 485.55 Td (3,160) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 286.25 485.55 Td (622,906) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 342.25 485.55 Td (3,822) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 403.30 485.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 451.30 485.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 503.30 485.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 551.30 485.55 Td () Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 473.55 Td (Total non-hedging derivative) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 68.00 465.55 Td (instruments) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.25 465.85 Td (3,097,336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.25 465.85 Td (44,586) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.25 465.85 Td (3,389,146) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.25 465.85 Td (42,846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 465.85 Td (3,467,768) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 465.85 Td (\(63,881) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 465.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 465.85 Td (2,419,779) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 465.85 Td (\(36,965) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 465.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 62.00 449.85 Td (Total) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 172.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 181.25 449.85 Td (3,097,336) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 223.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 239.25 449.85 Td (44,586) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 271.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 280.25 449.85 Td (3,389,146) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 322.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 338.25 449.85 Td (42,846) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 370.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 379.25 449.85 Td (3,467,875) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 421.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 434.60 449.85 Td (\(63,885) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 459.30 449.85 Td (\)) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 469.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 479.25 449.85 Td (2,419,933) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 521.00 449.85 Td ($) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 534.60 449.85 Td (\(36,974) Tj ET Q BT /F1 8.00 Tf ET q 0 0 0 rg BT 559.30 449.85 Td (\)) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 427.38 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 56.82 423.30 Td (Derivative instruments designated to hedge fixed-rate commercial real estate loans.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 50.00 416.58 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 56.82 412.50 Td ( ) Tj ET Q q 0 0 0 rg BT 58.91 412.50 Td (These portfolio swaps are not designated as hedging instruments under ) Tj ET Q q 0 0 0 rg BT 315.85 412.50 Td (ASC ) Tj ET Q q 0 0 0 rg BT 335.45 412.50 Td (T) Tj ET Q q 0 0 0 rg BT 340.32 412.50 Td (opic 815.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 400.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 388.50 Td (Amounts ) Tj ET Q q 0 0 0 rg BT 89.44 388.50 Td (included ) Tj ET Q q 0 0 0 rg BT 126.65 388.50 Td (in ) Tj ET Q q 0 0 0 rg BT 137.20 388.50 Td (other ) Tj ET Q q 0 0 0 rg BT 160.52 388.50 Td (income ) Tj ET Q q 0 0 0 rg BT 192.73 388.50 Td (in ) Tj ET Q q 0 0 0 rg BT 203.28 388.50 Td (the ) Tj ET Q q 0 0 0 rg BT 218.27 388.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 271.59 388.50 Td (statements ) Tj ET Q q 0 0 0 rg BT 316.57 388.50 Td (of ) Tj ET Q q 0 0 0 rg BT 327.68 388.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 372.10 388.50 Td (related ) Tj ET Q q 0 0 0 rg BT 402.08 388.50 Td (to ) Tj ET Q q 0 0 0 rg BT 412.63 388.50 Td (derivative ) Tj ET Q q 0 0 0 rg BT 455.39 388.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 493.14 388.50 Td (instruments ) Tj ET Q q 0 0 0 rg BT 542.58 388.50 Td (were ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 376.50 Td (as ) Tj ET Q q 0 0 0 rg BT 60.83 376.50 Td (follows ) Tj ET Q q 0 0 0 rg BT 93.33 376.50 Td (\(in ) Tj ET Q q 0 0 0 rg BT 106.94 376.50 Td (thousands\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 364.50 Td () Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 322.00 335.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 322.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 322.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 322.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 322.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 322.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 322.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 298.00 335.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 298.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 298.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 298.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 298.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 298.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 298.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 274.00 335.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 274.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 274.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 274.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 274.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 274.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 274.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 250.00 335.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 250.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 250.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 250.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 250.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 250.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 250.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 50.50 226.00 335.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 385.50 226.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 389.50 226.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 444.50 226.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 448.50 226.00 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 503.50 226.00 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 226.00 55.00 -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 389.5 334 m 444.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 444.5 334 m 448.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 334 m 503.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 503.5 334 m 507.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 334 m 562.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 334 m 444.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 322 m 444.5 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 334 m 503.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 322 m 503.5 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 334 m 562.5 334 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 322 m 562.5 322 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 226 m 444.5 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 226 m 503.5 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 226 m 562.5 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 226 m 444.5 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 214 m 444.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 226 m 503.5 226 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 214 m 503.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 214 m 562.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 214 m 444.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 203 m 444.5 203 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 389.5 201 m 444.5 201 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 214 m 503.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 203 m 503.5 203 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 448.5 201 m 503.5 201 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 214 m 562.5 214 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 203 m 562.5 203 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 201 m 562.5 201 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 451.10 345.40 Td (Y) Tj ET Q q 0 0 0 rg BT 456.60 345.40 Td (earsEnded) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 449.30 336.45 Td (December) Tj ET Q q 0 0 0 rg BT 488.11 336.45 Td (31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 53.00 325.40 Td () Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 407.50 325.40 Td (2016) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.50 325.40 Td (2015) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.50 325.40 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 313.26 Td (Derivative instruments designated as hedges of fair value:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 313.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 313.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 313.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 301.26 Td (Interest rate swap contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 301.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 436.50 301.26 Td (5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 301.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.50 301.26 Td (6) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 301.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 554.50 301.26 Td (8) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 289.26 Td (Stand-alone derivative instruments:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 289.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 289.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 289.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 277.26 Td (Interest rate swap contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 277.26 Td (7,571) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 277.26 Td (404) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 277.26 Td (2,458) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 265.26 Td (Interest rate options contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 432.00 265.26 Td (36) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 265.26 Td (43) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 265.26 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 253.26 Td (Foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 253.26 Td (970) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.50 253.26 Td (149) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 550.00 253.26 Td (96) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 241.26 Td (Spot foreign exchange contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 427.50 241.26 Td (963) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 491.00 241.26 Td (18) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 547.00 241.26 Td (\(14) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 241.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 53.00 229.26 Td (Mortgage related derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 417.75 229.26 Td (\(1,509) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.00 229.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 229.26 Td (\(13,100) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 229.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 542.50 229.26 Td (\(965) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 559.00 229.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 59.00 217.26 Td (Total non-hedging derivative instruments) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 217.26 Td (8,031) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 217.26 Td (\(12,486) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 217.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 217.26 Td (1,575) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 71.00 205.26 Td (Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 392.00 205.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 205.26 Td (8,036) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 205.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 472.25 205.26 Td (\(12,480) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 500.00 205.26 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 510.00 205.26 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 538.75 205.26 Td (1,583) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 190.50 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 178.50 Td (The ) Tj ET Q q 0 0 0 rg BT 68.14 178.50 Td (increase ) Tj ET Q q 0 0 0 rg BT 103.48 178.50 Td (in ) Tj ET Q q 0 0 0 rg BT 113.85 178.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 136.44 178.50 Td (in ) Tj ET Q q 0 0 0 rg BT 146.81 178.50 Td (the ) Tj ET Q q 0 0 0 rg BT 161.62 178.50 Td (amounts ) Tj ET Q q 0 0 0 rg BT 198.09 178.50 Td (included ) Tj ET Q q 0 0 0 rg BT 235.12 178.50 Td (in ) Tj ET Q q 0 0 0 rg BT 245.49 178.50 Td (other ) Tj ET Q q 0 0 0 rg BT 268.62 178.50 Td (income ) Tj ET Q q 0 0 0 rg BT 300.65 178.50 Td (was ) Tj ET Q q 0 0 0 rg BT 318.79 178.50 Td (primarily ) Tj ET Q q 0 0 0 rg BT 358.59 178.50 Td (due ) Tj ET Q q 0 0 0 rg BT 375.62 178.50 Td (to ) Tj ET Q q 0 0 0 rg BT 385.99 178.50 Td (the ) Tj ET Q q 0 0 0 rg BT 400.80 178.50 Td (full ) Tj ET Q q 0 0 0 rg BT 417.27 178.50 Td (year ) Tj ET Q q 0 0 0 rg BT 437.07 178.50 Td (impact ) Tj ET Q q 0 0 0 rg BT 466.87 178.50 Td (of ) Tj ET Q q 0 0 0 rg BT 477.79 178.50 Td (increased ) Tj ET Q q 0 0 0 rg BT 518.14 178.50 Td (derivatives ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 166.50 Td (activity ) Tj ET Q q 0 0 0 rg BT 82.49 166.50 Td (acquired ) Tj ET Q q 0 0 0 rg BT 119.41 166.50 Td (through ) Tj ET Q q 0 0 0 rg BT 153.02 166.50 Td (the ) Tj ET Q q 0 0 0 rg BT 167.74 166.50 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 208.00 166.50 Td (operations ) Tj ET Q q 0 0 0 rg BT 252.16 166.50 Td (from ) Tj ET Q q 0 0 0 rg BT 274.10 166.50 Td (the ) Tj ET Q q 0 0 0 rg BT 288.63 166.50 Td (T) Tj ET Q q 0 0 0 rg BT 294.04 166.50 Td (aylor ) Tj ET Q q 0 0 0 rg BT 317.09 166.50 Td (Capital ) Tj ET Q q 0 0 0 rg BT 348.47 166.50 Td (mer) Tj ET Q q 0 0 0 rg BT 363.84 166.50 Td (ger) Tj ET Q q 0 0 0 rg BT 376.05 166.50 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 142.50 Td (Methods ) Tj ET Q q 0 0 0 rg BT 87.47 142.50 Td (and ) Tj ET Q q 0 0 0 rg BT 104.38 142.50 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 156.30 142.50 Td (used ) Tj ET Q q 0 0 0 rg BT 177.10 142.50 Td (by ) Tj ET Q q 0 0 0 rg BT 189.57 142.50 Td (the ) Tj ET Q q 0 0 0 rg BT 204.25 142.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 245.61 142.50 Td (in ) Tj ET Q q 0 0 0 rg BT 255.86 142.50 Td (estimating ) Tj ET Q q 0 0 0 rg BT 299.99 142.50 Td (the ) Tj ET Q q 0 0 0 rg BT 314.67 142.50 Td (fair ) Tj ET Q q 0 0 0 rg BT 331.02 142.50 Td (value ) Tj ET Q q 0 0 0 rg BT 355.14 142.50 Td (of ) Tj ET Q q 0 0 0 rg BT 365.94 142.50 Td (its ) Tj ET Q q 0 0 0 rg BT 377.86 142.50 Td (interest ) Tj ET Q q 0 0 0 rg BT 409.77 142.50 Td (rate ) Tj ET Q q 0 0 0 rg BT 427.22 142.50 Td (swaps ) Tj ET Q q 0 0 0 rg BT 454.13 142.50 Td (are ) Tj ET Q q 0 0 0 rg BT 468.81 142.50 Td (discussed ) Tj ET Q q 0 0 0 rg BT 509.61 142.50 Td (in ) Tj ET Q q 0 0 0 rg BT 519.86 142.50 Td (Note ) Tj ET Q q 0 0 0 rg BT 541.77 142.50 Td (18 ) Tj ET Q q 0 0 0 rg BT 554.24 142.50 Td (to ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.04 130.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 140.52 130.50 Td (statements.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 106.50 Td (Certain ) Tj ET Q q 0 0 0 rg BT 81.84 106.50 Td (instruments ) Tj ET Q q 0 0 0 rg BT 130.91 106.50 Td (and ) Tj ET Q q 0 0 0 rg BT 147.75 106.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 197.92 106.50 Td (subject ) Tj ET Q q 0 0 0 rg BT 228.65 106.50 Td (to ) Tj ET Q q 0 0 0 rg BT 238.83 106.50 Td (an ) Tj ET Q q 0 0 0 rg BT 250.68 106.50 Td (agreement ) Tj ET Q q 0 0 0 rg BT 294.72 106.50 Td (similar ) Tj ET Q q 0 0 0 rg BT 324.90 106.50 Td (to ) Tj ET Q q 0 0 0 rg BT 335.08 106.50 Td (a ) Tj ET Q q 0 0 0 rg BT 341.93 106.50 Td (master ) Tj ET Q q 0 0 0 rg BT 370.99 106.50 Td (netting ) Tj ET Q q 0 0 0 rg BT 401.16 106.50 Td (arrangement ) Tj ET Q q 0 0 0 rg BT 453.54 106.50 Td (are ) Tj ET Q q 0 0 0 rg BT 468.15 106.50 Td (eligible ) Tj ET Q q 0 0 0 rg BT 500.55 106.50 Td (for ) Tj ET Q q 0 0 0 rg BT 514.61 106.50 Td (of) Tj ET Q q 0 0 0 rg BT 522.76 106.50 Td (fset ) Tj ET Q q 0 0 0 rg BT 539.60 106.50 Td (in ) Tj ET Q q 0 0 0 rg BT 549.79 106.50 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 94.50 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 103.85 94.50 Td (balance ) Tj ET Q q 0 0 0 rg BT 137.69 94.50 Td (sheet. ) Tj ET Q q 0 0 0 rg BT 164.05 94.50 Td ( ) Tj ET Q q 0 0 0 rg BT 167.12 94.50 Td (The ) Tj ET Q q 0 0 0 rg BT 185.98 94.50 Td (instruments ) Tj ET Q q 0 0 0 rg BT 235.95 94.50 Td (and ) Tj ET Q q 0 0 0 rg BT 253.70 94.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 304.77 94.50 Td (would ) Tj ET Q q 0 0 0 rg BT 333.08 94.50 Td (include ) Tj ET Q q 0 0 0 rg BT 365.83 94.50 Td (derivatives, ) Tj ET Q q 0 0 0 rg BT 415.51 94.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 434.36 94.50 Td (and ) Tj ET Q q 0 0 0 rg BT 452.11 94.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 498.73 94.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 547.57 94.50 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 82.50 Td (reverse ) Tj ET Q q 0 0 0 rg BT 80.64 82.50 Td (sale ) Tj ET Q q 0 0 0 rg BT 97.97 82.50 Td (and ) Tj ET Q q 0 0 0 rg BT 114.18 82.50 Td (repurchase ) Tj ET Q q 0 0 0 rg BT 159.27 82.50 Td (agreements, ) Tj ET Q q 0 0 0 rg BT 209.08 82.50 Td (and ) Tj ET Q q 0 0 0 rg BT 225.29 82.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 264.83 82.50 Td (borrowing ) Tj ET Q q 0 0 0 rg BT 308.27 82.50 Td (and ) Tj ET Q q 0 0 0 rg BT 324.49 82.50 Td (securities ) Tj ET Q q 0 0 0 rg BT 364.03 82.50 Td (lending ) Tj ET Q q 0 0 0 rg BT 395.80 82.50 Td (arrangements. ) Tj ET Q q 0 0 0 rg BT 453.94 82.50 Td ( ) Tj ET Q q 0 0 0 rg BT 455.72 82.50 Td ( ) Tj ET Q q 0 0 0 rg BT 457.37 82.50 Td (The ) Tj ET Q q 0 0 0 rg BT 474.69 82.50 Td (Company) Tj ET Q q 0 0 0 rg BT 516.36 82.50 Td (s ) Tj ET Q q 0 0 0 rg BT 522.02 82.50 Td (derivative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 70.50 Td (transactions ) Tj ET Q q 0 0 0 rg BT 99.76 70.50 Td (with ) Tj ET Q q 0 0 0 rg BT 119.53 70.50 Td (financial ) Tj ET Q q 0 0 0 rg BT 156.51 70.50 Td (institution ) Tj ET Q q 0 0 0 rg BT 199.07 70.50 Td (counterparties ) Tj ET Q q 0 0 0 rg BT 257.71 70.50 Td (are ) Tj ET Q q 0 0 0 rg BT 271.91 70.50 Td (generally ) Tj ET Q q 0 0 0 rg BT 311.11 70.50 Td (executed ) Tj ET Q q 0 0 0 rg BT 348.63 70.50 Td (under ) Tj ET Q q 0 0 0 rg BT 373.40 70.50 Td (International ) Tj ET Q q 0 0 0 rg BT 426.48 70.50 Td (Swaps ) Tj ET Q q 0 0 0 rg BT 454.59 70.50 Td (and ) Tj ET Q q 0 0 0 rg BT 471.03 70.50 Td (Derivative ) Tj ET Q q 0 0 0 rg BT 514.79 70.50 Td (Association ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 58.50 Td (\(ISDA\) ) Tj ET Q q 0 0 0 rg BT 91.92 58.50 Td (master ) Tj ET Q q 0 0 0 rg BT 121.62 58.50 Td (agreements ) Tj ET Q q 0 0 0 rg BT 170.20 58.50 Td (which ) Tj ET Q q 0 0 0 rg BT 197.69 58.50 Td (include ) Tj ET Q q 0 0 0 rg BT 230.17 58.50 Td (right ) Tj ET Q q 0 0 0 rg BT 256.55 58.50 Td (of ) Tj ET Q q 0 0 0 rg BT 267.93 58.50 Td (set-of) Tj ET Q q 0 0 0 rg BT 290.51 58.50 Td (f ) Tj ET Q q 0 0 0 rg BT 301.33 58.50 Td (provisions. ) Tj ET Q q 0 0 0 rg BT 348.55 58.50 Td ( ) Tj ET Q q 0 0 0 rg BT 351.60 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742.10 Td (be ) Tj ET Q q 0 0 0 rg BT 306.94 742.10 Td (an ) Tj ET Q q 0 0 0 rg BT 318.35 742.10 Td (intention ) Tj ET Q q 0 0 0 rg BT 355.87 742.10 Td (to ) Tj ET Q q 0 0 0 rg BT 365.63 742.10 Td (settle ) Tj ET Q q 0 0 0 rg BT 388.70 742.10 Td (such ) Tj ET Q q 0 0 0 rg BT 409.00 742.10 Td (amounts ) Tj ET Q q 0 0 0 rg BT 444.86 742.10 Td (on ) Tj ET Q q 0 0 0 rg BT 456.84 742.10 Td (a ) Tj ET Q q 0 0 0 rg BT 463.25 742.10 Td (net ) Tj ET Q q 0 0 0 rg BT 477.44 742.10 Td (basis. ) Tj ET Q q 0 0 0 rg BT 501.91 742.10 Td ( ) Tj ET Q q 0 0 0 rg BT 503.74 742.10 Td (The ) Tj ET Q q 0 0 0 rg BT 521.26 742.10 Td (Company) Tj ET Q 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 (however) Tj ET Q q 0 0 0 rg BT 84.03 730.10 Td (, ) Tj ET Q q 0 0 0 rg BT 89.03 730.10 Td (does ) Tj ET Q q 0 0 0 rg BT 109.86 730.10 Td (not ) Tj ET Q q 0 0 0 rg BT 125.14 730.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 164.84 730.10 Td (of) Tj ET Q q 0 0 0 rg BT 172.99 730.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 189.93 730.10 Td (such ) Tj ET Q q 0 0 0 rg BT 210.76 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 248.24 730.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 297.40 730.10 Td (for ) Tj ET Q q 0 0 0 rg BT 311.56 730.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 349.04 730.10 Td (reporting ) Tj ET Q q 0 0 0 rg BT 388.20 730.10 Td (purposes. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 102.11 706.10 Td (about ) Tj ET Q q 0 0 0 rg BT 128.67 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.23 706.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 194.16 706.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 233.48 706.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 284.49 706.10 Td (that ) Tj ET Q q 0 0 0 rg BT 303.83 706.10 Td (are ) Tj ET Q q 0 0 0 rg BT 320.38 706.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 354.72 706.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.72 706.10 Td (of) Tj ET Q q 0 0 0 rg BT 378.87 706.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 397.66 706.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.78 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.34 706.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 481.23 706.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 516.10 706.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 541.00 706.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 706.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 694.10 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 694.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 694.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.25 694.10 Td (summarized ) Tj ET Q q 0 0 0 rg BT 191.63 694.10 Td (below ) Tj ET Q q 0 0 0 rg BT 218.56 694.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 232.17 694.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 623.60 188.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 623.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 623.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 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0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 668.6 m 399.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 668.6 m 453.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 453.5 668.6 m 457.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 668.6 m 507.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 507.5 668.6 m 511.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 668.6 m 561.5 668.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 638.6 m 291.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 638.6 m 345.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 638.6 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 403.5 638.6 m 453.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 638.6 m 507.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 638.6 m 561.5 638.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 587.6 m 291.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 587.6 m 345.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 587.6 m 399.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 587.6 m 453.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 587.6 m 507.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 587.6 m 561.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 587.6 m 345.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 587.6 m 399.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 587.6 m 453.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 587.6 m 507.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 587.6 m 561.5 587.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 563.6 m 399.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 563.6 m 561.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 563.6 m 291.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 552.6 m 291.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 550.6 m 291.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 563.6 m 345.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 552.6 m 345.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 550.6 m 345.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 563.6 m 399.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 552.6 m 399.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 550.6 m 399.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 563.6 m 453.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 552.6 m 453.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 550.6 m 453.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 563.6 m 507.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 552.6 m 507.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 550.6 m 507.5 550.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 563.6 m 561.5 563.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 552.6 m 561.5 552.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 550.6 m 561.5 550.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.10 673.05 Td (Financial Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.60 673.05 Td (Financial Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.80 660.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.20 651.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 642.00 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.80 660.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.20 651.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 642.00 Td (Offset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 660.00 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.20 651.00 Td (Amount) Tj ET Q BT /F2 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Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 614.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.75 614.86 Td (7,885) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 614.86 Td (18,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 614.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 614.86 Td (18,564) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 602.86 Td ( Foreign currency forward contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 602.86 Td (4,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 602.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.75 602.86 Td (4,315) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 602.86 Td (1,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 602.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 602.86 Td (1,674) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 590.86 Td ( Mortgage banking derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 590.86 Td (10,633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 590.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 590.86 Td (10,633) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 590.86 Td (33,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 590.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 590.86 Td (33,259) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 578.86 Td ( Total derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 578.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 578.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 578.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 578.86 Td (53,497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 578.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 578.86 Td (53,497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 566.86 Td (Repurchase agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 566.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 566.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.00 566.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 566.86 Td (237,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 566.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 566.86 Td (237,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 554.86 Td ( Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 554.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 554.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 554.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 554.86 Td (291,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 554.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 554.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 554.86 Td (291,035) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 476.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 476.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 476.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 476.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 476.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 476.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 476.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 476.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 476.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 476.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 452.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 452.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 452.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 452.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 452.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 452.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 452.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 452.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 452.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 452.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 428.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 428.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 428.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 428.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 428.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 428.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 428.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 428.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 428.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 428.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 404.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 404.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 404.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 404.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 404.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 404.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 404.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 404.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 404.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 404.60 40.00 -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 153.5 526.6 m 203.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 526.6 m 207.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 526.6 m 262.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 526.6 m 266.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 526.6 m 311.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 526.6 m 315.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 526.6 m 355.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 526.6 m 409.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 526.6 m 413.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 526.6 m 468.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 526.6 m 472.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 526.6 m 517.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 526.6 m 521.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 526.6 m 561.5 526.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 491.6 m 203.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 491.6 m 262.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 491.6 m 311.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 491.6 m 355.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 491.6 m 409.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 491.6 m 468.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 491.6 m 517.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 491.6 m 561.5 491.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 428.6 m 203.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 428.6 m 262.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 428.6 m 311.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 428.6 m 355.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 428.6 m 409.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 428.6 m 468.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 428.6 m 517.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 428.6 m 561.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 428.6 m 203.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 428.6 m 262.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 428.6 m 311.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 428.6 m 355.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 428.6 m 409.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 428.6 m 468.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 428.6 m 517.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 428.6 m 561.5 428.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 404.6 m 355.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 404.6 m 561.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 404.6 m 203.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 393.6 m 203.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 391.6 m 203.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 404.6 m 262.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 393.6 m 262.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 391.6 m 262.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 404.6 m 311.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 393.6 m 311.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 391.6 m 311.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 404.6 m 355.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 393.6 m 355.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 391.6 m 355.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 404.6 m 409.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 393.6 m 409.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 391.6 m 409.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 404.6 m 468.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 393.6 m 468.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 391.6 m 468.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 404.6 m 517.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 393.6 m 517.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 391.6 m 517.5 391.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 404.6 m 561.5 404.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 393.6 m 561.5 393.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 391.6 m 561.5 391.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 223.10 531.05 Td (Financial Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 421.60 531.05 Td (Financial Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 171.25 514.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 162.20 505.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 156.00 496.05 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 216.45 505.05 Td (Financial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 210.95 496.05 Td (Instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 269.25 496.05 Td (Collateral) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 328.25 505.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 319.20 496.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 377.25 514.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 368.20 505.05 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 362.00 496.05 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 422.45 505.05 Td (Financial) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.95 496.05 Td (Instruments) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 475.25 496.05 Td (Collateral) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 534.25 505.05 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 525.20 496.05 Td (Amount) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 481.06 Td (Derivatives:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 467.86 Td ( Counterparty A) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.75 467.86 Td (2,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.75 467.86 Td (\(2,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 467.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 467.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 467.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.25 467.86 Td (18,768) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 467.86 Td (\(2,697) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 467.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 467.86 Td (\(16,071) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 467.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 467.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 467.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 455.86 Td ( Counterparty B) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 179.75 455.86 Td (4,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 235.75 455.86 Td (\(4,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 455.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 455.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 455.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.25 455.86 Td (12,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 441.75 455.86 Td (\(4,683) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 455.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 455.86 Td (\(8,198) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 455.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 455.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 443.86 Td ( Counterparty C) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.00 443.86 Td (64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 247.00 443.86 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 443.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 443.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 443.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 385.75 443.86 Td (4,919) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 453.00 443.86 Td (\(64) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 443.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 443.86 Td (\(4,855) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 443.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 443.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 431.86 Td ( Other counterparties) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.25 431.86 Td (15,389) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 431.86 Td (\(10,938) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 431.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 431.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.75 431.86 Td (4,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.25 431.86 Td (16,929) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 431.86 Td (\(10,938) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 431.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 490.75 431.86 Td (\(5,980) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 431.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 431.86 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 419.86 Td ( Total derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.25 419.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 419.86 Td (\(18,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 419.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 419.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.75 419.86 Td (4,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 381.25 419.86 Td (53,497) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 419.86 Td (\(18,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 419.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 486.25 419.86 Td (\(35,104) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 419.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 419.86 Td (11) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 407.86 Td (Repurchase agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 191.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 250.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 343.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 407.86 Td (237,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 456.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 407.86 Td (\(237,538) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 407.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 407.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 395.86 Td ( Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 156.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 175.25 395.86 Td (22,833) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 210.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 231.25 395.86 Td (\(18,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 259.00 395.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 269.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 299.00 395.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 318.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 331.75 395.86 Td (4,451) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 362.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 376.75 395.86 Td (291,035) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 416.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 437.25 395.86 Td (\(18,382) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 465.00 395.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 475.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 481.75 395.86 Td (\(272,642) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 395.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 524.00 395.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 549.00 395.86 Td (11) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 369.10 Td (Information ) Tj ET Q q 0 0 0 rg BT 102.11 369.10 Td (about ) Tj ET Q q 0 0 0 rg BT 128.67 369.10 Td (the ) Tj ET Q q 0 0 0 rg BT 145.23 369.10 Td (Company's ) Tj ET Q q 0 0 0 rg BT 194.16 369.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 233.48 369.10 Td (instruments ) Tj ET Q q 0 0 0 rg BT 284.49 369.10 Td (that ) Tj ET Q q 0 0 0 rg BT 303.83 369.10 Td (are ) Tj ET Q q 0 0 0 rg BT 320.38 369.10 Td (eligible ) Tj ET Q q 0 0 0 rg BT 354.72 369.10 Td (for ) Tj ET Q q 0 0 0 rg BT 370.72 369.10 Td (of) Tj ET Q q 0 0 0 rg BT 378.87 369.10 Td (fset ) Tj ET Q q 0 0 0 rg BT 397.66 369.10 Td (in ) Tj ET Q q 0 0 0 rg BT 409.78 369.10 Td (the ) Tj ET Q q 0 0 0 rg BT 426.34 369.10 Td (consolidated ) Tj ET Q q 0 0 0 rg BT 481.23 369.10 Td (balance ) Tj ET Q q 0 0 0 rg BT 516.10 369.10 Td (sheet ) Tj ET Q q 0 0 0 rg BT 541.00 369.10 Td (as ) Tj ET Q q 0 0 0 rg BT 553.67 369.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 357.10 Td (December31, ) Tj ET Q q 0 0 0 rg BT 108.58 357.10 Td (2015) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 128.58 357.10 Td ( ) Tj ET Q q 0 0 0 rg BT 131.08 357.10 Td (is ) Tj ET Q q 0 0 0 rg BT 140.25 357.10 Td (summarized ) Tj ET Q q 0 0 0 rg BT 191.63 357.10 Td (below ) Tj ET Q q 0 0 0 rg BT 218.56 357.10 Td (\(in ) Tj ET Q q 0 0 0 rg BT 232.17 357.10 Td (thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 286.60 188.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 286.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 286.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 286.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 286.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 286.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 286.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 286.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 286.60 50.00 -12.00 re f /GS0 gs 0.8 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1 rg /GS0 gs 453.50 262.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 457.50 262.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 507.50 262.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 511.50 262.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 238.60 188.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 237.50 238.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 241.50 238.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 291.50 238.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 295.50 238.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 345.50 238.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 238.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 399.50 238.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 403.50 238.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 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j 3 M 511.5 331.6 m 561.5 331.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 301.6 m 291.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 301.6 m 345.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 301.6 m 399.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 301.6 m 453.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 301.6 m 507.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 301.6 m 561.5 301.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 241.5 250.60000000000002 m 291.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 295.5 250.60000000000002 m 345.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 349.5 250.60000000000002 m 399.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 403.5 250.60000000000002 m 453.5 250.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 250.60000000000002 m 507.5 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1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 226.60000000000002 m 507.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 215.60000000000002 m 507.5 215.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 457.5 213.60000000000002 m 507.5 213.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 226.60000000000002 m 561.5 226.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 215.60000000000002 m 561.5 215.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 511.5 213.60000000000002 m 561.5 213.60000000000002 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 289.10 336.05 Td (Financial Assets) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 443.60 336.05 Td (Financial Liabilities) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 254.80 323.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 250.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 244.00 305.00 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.80 323.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 304.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 308.25 305.00 Td (Offset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 367.25 323.00 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 358.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 352.00 305.00 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 416.80 323.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 412.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 406.00 305.00 Td (Recognized) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.80 323.00 Td (Gross) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 466.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 470.25 305.00 Td (Offset) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 529.25 323.00 Td (Net) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 520.20 314.00 Td (Amount) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 514.00 305.00 Td (Recognized) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 291.06 Td (Derivatives:) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 277.86 Td ( Interest rate swaps, caps and floors) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 277.86 Td (5,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 277.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.75 277.86 Td (5,698) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 277.86 Td (31,446) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 277.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 277.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 277.86 Td (31,446) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 265.86 Td ( Foreign currency forward contracts) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 265.86 Td (2,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 265.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.75 265.86 Td (2,728) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 265.86 Td (1,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 265.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 265.86 Td (1,805) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 253.86 Td ( Mortgage banking derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 267.75 253.86 Td (1,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 253.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 375.75 253.86 Td (1,636) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 429.75 253.86 Td (1,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 253.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 537.75 253.86 Td (1,087) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 241.86 Td ( Total derivatives) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 241.86 Td (10,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 241.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 241.86 Td (10,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 425.25 241.86 Td (34,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 241.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 241.86 Td (34,338) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 229.86 Td (Repurchase agreements) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 279.00 229.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 229.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 387.00 229.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 229.86 Td (201,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 229.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 229.86 Td (201,207) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 217.86 Td ( Total) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 244.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 263.25 217.86 Td (10,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 298.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 333.00 217.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 352.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 371.25 217.86 Td (10,062) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 406.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 420.75 217.86 Td (235,545) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 460.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 495.00 217.86 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 514.00 217.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 217.86 Td (235,545) Tj ET Q BT /F1 10.00 Tf ET 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 139.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 139.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 139.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 139.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 139.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 139.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 139.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 139.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 139.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 139.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 115.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 115.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 115.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 115.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 115.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 115.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 115.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 115.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 115.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 115.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 91.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 91.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 91.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 91.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 91.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 91.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 91.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 91.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 91.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 91.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 67.60 100.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 149.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 153.50 67.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 203.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 207.50 67.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 262.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 266.50 67.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 311.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 315.50 67.60 40.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 355.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 359.50 67.60 50.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 409.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 413.50 67.60 55.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 468.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 472.50 67.60 45.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 517.50 67.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 521.50 67.60 40.00 -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 153.5 189.60000000000002 m 203.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 203.5 189.60000000000002 m 207.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 189.60000000000002 m 262.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 262.5 189.60000000000002 m 266.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 189.60000000000002 m 311.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 311.5 189.60000000000002 m 315.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 189.60000000000002 m 355.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 189.60000000000002 m 409.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 409.5 189.60000000000002 m 413.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 189.60000000000002 m 468.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 468.5 189.60000000000002 m 472.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 189.60000000000002 m 517.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 517.5 189.60000000000002 m 521.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 189.60000000000002 m 561.5 189.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 154.60000000000002 m 203.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 154.60000000000002 m 262.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 154.60000000000002 m 311.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 154.60000000000002 m 355.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 154.60000000000002 m 409.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 154.60000000000002 m 468.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 154.60000000000002 m 517.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 154.60000000000002 m 561.5 154.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 91.60000000000002 m 203.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 91.60000000000002 m 262.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 91.60000000000002 m 311.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 91.60000000000002 m 355.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 91.60000000000002 m 409.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 91.60000000000002 m 468.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 91.60000000000002 m 517.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 91.60000000000002 m 561.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 91.60000000000002 m 203.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 207.5 91.60000000000002 m 262.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 266.5 91.60000000000002 m 311.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 91.60000000000002 m 355.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 359.5 91.60000000000002 m 409.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 413.5 91.60000000000002 m 468.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 472.5 91.60000000000002 m 517.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 91.60000000000002 m 561.5 91.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 315.5 67.60000000000002 m 355.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 521.5 67.60000000000002 m 561.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 67.60000000000002 m 203.5 67.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 153.5 56.60000000000002 m 203.5 56.60000000000002 l s 0 0 0 RG /GS0 gs 1.00 w 0 i 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 69.38 670.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 107.10 670.25 Td (Segment ) Tj ET Q q 0 0 0 rg BT 145.93 670.25 Td (generates ) Tj ET Q q 0 0 0 rg BT 187.52 670.25 Td (its ) Tj ET Q q 0 0 0 rg BT 200.80 670.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 240.17 670.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 281.22 670.25 Td (from ) Tj ET Q q 0 0 0 rg BT 304.49 670.25 Td (its ) Tj ET Q q 0 0 0 rg BT 317.78 670.25 Td (lending, ) Tj ET Q q 0 0 0 rg BT 354.11 670.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 386.83 670.25 Td (gathering ) Tj ET Q q 0 0 0 rg BT 428.43 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 446.70 670.25 Td (fee ) Tj ET Q q 0 0 0 rg BT 462.74 670.25 Td (business ) Tj ET Q q 0 0 0 rg BT 500.47 670.25 Td (activities. ) Tj ET Q q 0 0 0 rg BT 542.90 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 546.46 670.25 Td (The ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (profitability ) Tj ET Q q 0 0 0 rg BT 99.88 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 110.31 658.25 Td (this ) Tj ET Q q 0 0 0 rg BT 126.87 658.25 Td (segment's ) Tj ET Q q 0 0 0 rg BT 167.99 658.25 Td (operations ) Tj ET Q q 0 0 0 rg BT 211.76 658.25 Td (depends ) Tj ET Q q 0 0 0 rg BT 246.63 658.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 285.95 658.25 Td (on ) Tj ET Q q 0 0 0 rg BT 298.06 658.25 Td (its ) Tj ET Q q 0 0 0 rg BT 309.61 658.25 Td (net ) Tj ET Q q 0 0 0 rg BT 323.94 658.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 355.48 658.25 Td (income ) Tj ET Q q 0 0 0 rg BT 387.02 658.25 Td (after ) Tj ET Q q 0 0 0 rg BT 407.44 658.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 447.32 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 461.09 658.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 485.96 658.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 514.46 658.25 Td (which ) Tj ET Q q 0 0 0 rg BT 541.01 658.25 Td (is ) Tj ET Q q 0 0 0 rg BT 549.78 658.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (dif) Tj ET Q q 0 0 0 rg BT 60.93 646.25 Td (ference ) Tj ET Q q 0 0 0 rg BT 92.26 646.25 Td (between ) Tj ET Q q 0 0 0 rg BT 127.50 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 158.85 646.25 Td (earned ) Tj ET Q q 0 0 0 rg BT 187.42 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 199.34 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 230.70 646.25 Td (earning ) Tj ET Q q 0 0 0 rg BT 262.60 646.25 Td (assets ) Tj ET Q q 0 0 0 rg BT 287.86 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 304.22 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 335.57 646.25 Td (paid ) Tj ET Q q 0 0 0 rg BT 354.71 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 366.63 646.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 397.99 646.25 Td (bearing ) Tj ET Q q 0 0 0 rg BT 429.89 646.25 Td (liabilities ) Tj ET Q q 0 0 0 rg BT 469.03 646.25 Td (less ) Tj ET Q q 0 0 0 rg BT 485.95 646.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 525.65 646.25 Td (for ) Tj ET Q q 0 0 0 rg BT 539.23 646.25 Td (credit ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (losses.) Tj ET Q q 0 0 0 rg BT 81.21 634.25 Td (The ) Tj ET Q q 0 0 0 rg BT 100.52 634.25 Td (provision ) Tj ET Q q 0 0 0 rg BT 142.06 634.25 Td (for ) Tj ET Q q 0 0 0 rg BT 157.48 634.25 Td (credit ) Tj ET Q q 0 0 0 rg BT 184.01 634.25 Td (losses ) Tj ET Q q 0 0 0 rg BT 211.66 634.25 Td (is ) Tj ET Q q 0 0 0 rg BT 222.09 634.25 Td (dependent ) Tj ET Q q 0 0 0 rg BT 266.95 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 280.71 634.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 316.68 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 328.22 634.25 Td (the ) Tj ET Q q 0 0 0 rg BT 344.20 634.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 381.85 634.25 Td (Segment's ) Tj ET Q q 0 0 0 rg BT 426.30 634.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 447.28 634.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 486.04 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 504.24 634.25 Td (management) Tj ET Q q 0 0 0 rg BT 558.11 634.25 Td (s ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (assessment ) Tj ET Q q 0 0 0 rg BT 96.39 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 106.67 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 120.84 622.25 Td (collectability ) Tj ET Q q 0 0 0 rg BT 174.99 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 185.27 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 199.44 622.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 218.61 622.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 255.55 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 265.83 622.25 Td (well ) Tj ET Q q 0 0 0 rg BT 285.00 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 295.28 622.25 Td (prevailing ) Tj ET Q q 0 0 0 rg BT 337.77 622.25 Td (economic ) Tj ET Q q 0 0 0 rg BT 378.60 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 394.99 622.25 Td (market ) Tj ET Q q 0 0 0 rg BT 424.70 622.25 Td (conditions.) Tj ET Q q 0 0 0 rg BT 473.68 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 491.18 622.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 527.02 622.25 Td (Segment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (is ) Tj ET Q q 0 0 0 rg BT 58.81 610.25 Td (also ) Tj ET Q q 0 0 0 rg BT 77.06 610.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 107.52 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 117.44 610.25 Td (an ) Tj ET Q q 0 0 0 rg BT 129.01 610.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 168.92 610.25 Td (system ) Tj ET Q q 0 0 0 rg BT 198.83 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.30 610.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 229.77 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 246.35 610.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 292.92 610.25 Td (that ) Tj ET Q q 0 0 0 rg BT 310.05 610.25 Td (are ) Tj ET Q q 0 0 0 rg BT 324.40 610.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 360.97 610.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 400.32 610.25 Td (for ) Tj ET Q q 0 0 0 rg BT 414.12 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 428.48 610.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 471.16 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.63 610.25 Td (depositors ) Tj ET Q q 0 0 0 rg BT 524.87 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 541.45 610.25 Td (other ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (customers, ) Tj ET Q q 0 0 0 rg BT 95.52 598.25 Td (federal ) Tj ET Q q 0 0 0 rg BT 125.75 598.25 Td (deposit ) Tj ET Q q 0 0 0 rg BT 157.12 598.25 Td (insurance ) Tj ET Q q 0 0 0 rg BT 197.91 598.25 Td (funds ) Tj ET Q q 0 0 0 rg BT 222.61 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 239.53 598.25 Td (the ) Tj ET Q q 0 0 0 rg BT 254.22 598.25 Td (banking ) Tj ET Q q 0 0 0 rg BT 288.91 598.25 Td (system ) Tj ET Q q 0 0 0 rg BT 319.17 598.25 Td (as ) Tj ET Q q 0 0 0 rg BT 329.98 598.25 Td (a ) Tj ET Q q 0 0 0 rg BT 336.89 598.25 Td (whole. ) Tj ET Q q 0 0 0 rg BT 368.63 598.25 Td (These ) Tj ET Q q 0 0 0 rg BT 394.98 598.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 415.79 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 432.70 598.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 479.61 598.25 Td (govern ) Tj ET Q q 0 0 0 rg BT 509.86 598.25 Td (such ) Tj ET Q q 0 0 0 rg BT 530.67 598.25 Td (areas ) Tj ET Q q 0 0 0 rg BT 553.68 598.25 Td (as ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (capital, ) Tj ET Q q 0 0 0 rg BT 81.32 586.25 Td (permissible ) Tj ET Q q 0 0 0 rg BT 129.60 586.25 Td (activities, ) Tj ET Q q 0 0 0 rg BT 170.37 586.25 Td (allowance ) Tj ET Q q 0 0 0 rg BT 213.07 586.25 Td (for ) Tj ET Q q 0 0 0 rg BT 226.90 586.25 Td (loan ) Tj ET Q q 0 0 0 rg BT 246.29 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 262.90 586.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 285.06 586.25 Td (losses, ) Tj ET Q q 0 0 0 rg BT 313.62 586.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 336.90 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 353.51 586.25 Td (investments, ) Tj ET Q q 0 0 0 rg BT 405.96 586.25 Td (and ) Tj ET Q q 0 0 0 rg BT 422.57 586.25 Td (rates ) Tj ET Q q 0 0 0 rg BT 443.62 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 454.12 586.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 485.73 586.25 Td (that ) Tj ET Q q 0 0 0 rg BT 502.89 586.25 Td (can ) Tj ET Q q 0 0 0 rg BT 518.94 586.25 Td (be ) Tj ET Q q 0 0 0 rg BT 530.55 586.25 Td (char) Tj ET Q q 0 0 0 rg BT 547.58 586.25 Td (ged ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.50 574.25 Td (loans. ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.39 550.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 100.88 550.25 Td (Segment ) Tj ET Q q 0 0 0 rg BT 137.72 550.25 Td (generates ) Tj ET Q q 0 0 0 rg BT 177.31 550.25 Td (its ) Tj ET Q q 0 0 0 rg BT 188.60 550.25 Td (revenues ) Tj ET Q q 0 0 0 rg BT 225.98 550.25 Td (through ) Tj ET Q q 0 0 0 rg BT 258.92 550.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 280.75 550.25 Td (originations ) Tj ET Q q 0 0 0 rg BT 330.36 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 346.64 550.25 Td (related ) Tj ET Q q 0 0 0 rg BT 375.68 550.25 Td (services ) Tj ET Q q 0 0 0 rg BT 409.73 550.25 Td (of) Tj ET Q q 0 0 0 rg BT 417.88 550.25 Td (fered ) Tj ET Q q 0 0 0 rg BT 440.26 550.25 Td (through ) Tj ET Q q 0 0 0 rg BT 473.20 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 487.26 550.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 533.68 550.25 Td (leasing ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (subsidiaries, ) Tj ET Q q 0 0 0 rg BT 102.73 538.25 Td (LaSalle ) Tj ET Q q 0 0 0 rg BT 136.28 538.25 Td (Systems ) Tj ET Q q 0 0 0 rg BT 172.63 538.25 Td (Leasing, ) Tj ET Q q 0 0 0 rg BT 209.79 538.25 Td (Inc., ) Tj ET Q q 0 0 0 rg BT 230.57 538.25 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 257.46 538.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 292.12 538.25 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 317.63 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 335.08 538.25 Td (MB ) Tj ET Q q 0 0 0 rg BT 353.65 538.25 Td (Equipment ) Tj ET Q q 0 0 0 rg BT 400.54 538.25 Td (Finance, ) Tj ET Q q 0 0 0 rg BT 437.71 538.25 Td (LLC. ) Tj ET Q q 0 0 0 rg BT 462.10 538.25 Td ( ) Tj ET Q q 0 0 0 rg BT 464.90 538.25 Td (The ) Tj ET Q q 0 0 0 rg BT 483.45 538.25 Td (leasing ) Tj ET Q q 0 0 0 rg BT 514.79 538.25 Td (subsidiaries ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (invest ) Tj ET Q q 0 0 0 rg BT 77.04 526.25 Td (directly ) Tj ET Q q 0 0 0 rg BT 110.73 526.25 Td (in ) Tj ET Q q 0 0 0 rg BT 121.66 526.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 167.02 526.25 Td (that ) Tj ET Q q 0 0 0 rg BT 185.17 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 200.54 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 242.57 526.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 269.60 526.25 Td (\(referred ) Tj ET Q q 0 0 0 rg BT 307.72 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 318.65 526.25 Td (as ) Tj ET Q q 0 0 0 rg BT 330.13 526.25 Td (direct ) Tj ET Q q 0 0 0 rg BT 356.04 526.25 Td (finance, ) Tj ET Q q 0 0 0 rg BT 391.12 526.25 Td (leveraged ) Tj ET Q q 0 0 0 rg BT 433.13 526.25 Td (or ) Tj ET Q q 0 0 0 rg BT 444.61 526.25 Td (operating ) Tj ET Q q 0 0 0 rg BT 485.53 526.25 Td (leases\) ) Tj ET Q q 0 0 0 rg BT 515.88 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 526.81 526.25 Td ("Fortune ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (1000," ) Tj ET Q q 0 0 0 rg BT 79.13 514.25 Td (middle-market ) Tj ET Q q 0 0 0 rg BT 140.54 514.25 Td (companies ) Tj ET Q q 0 0 0 rg BT 185.85 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 202.83 514.25 Td (healthcare ) Tj ET Q q 0 0 0 rg BT 246.46 514.25 Td (providers ) Tj ET Q q 0 0 0 rg BT 286.77 514.25 Td (located ) Tj ET Q q 0 0 0 rg BT 318.19 514.25 Td (throughout ) Tj ET Q q 0 0 0 rg BT 364.62 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 379.38 514.25 Td (United ) Tj ET Q q 0 0 0 rg BT 409.15 514.25 Td (States. ) Tj ET Q q 0 0 0 rg BT 438.08 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 440.44 514.25 Td (The ) Tj ET Q q 0 0 0 rg BT 458.53 514.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 481.06 514.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 518.60 514.25 Td (is ) Tj ET Q q 0 0 0 rg BT 527.82 514.25 Td (made ) Tj ET Q q 0 0 0 rg BT 552.02 514.25 Td (up ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.99 502.25 Td (various ) Tj ET Q q 0 0 0 rg BT 93.09 502.25 Td (kinds ) Tj ET Q q 0 0 0 rg BT 117.42 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 128.41 502.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 175.79 502.25 Td (generally ) Tj ET Q q 0 0 0 rg BT 215.65 502.25 Td (technology ) Tj ET Q q 0 0 0 rg BT 262.74 502.25 Td (related, ) Tj ET Q q 0 0 0 rg BT 295.11 502.25 Td (such ) Tj ET Q q 0 0 0 rg BT 316.10 502.25 Td (as ) Tj ET Q q 0 0 0 rg BT 327.09 502.25 Td (computer ) Tj ET Q q 0 0 0 rg BT 367.51 502.25 Td (systems, ) Tj ET Q q 0 0 0 rg BT 404.35 502.25 Td (satellite ) Tj ET Q q 0 0 0 rg BT 438.11 502.25 Td (equipment, ) Tj ET Q q 0 0 0 rg BT 485.48 502.25 Td (medical ) Tj ET Q q 0 0 0 rg BT 519.79 502.25 Td (equipment ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 67.92 490.25 Td (general ) Tj ET Q q 0 0 0 rg BT 100.83 490.25 Td (manufacturing, ) Tj ET Q q 0 0 0 rg BT 165.13 490.25 Td (industrial, ) Tj ET Q q 0 0 0 rg BT 208.89 490.25 Td (construction ) Tj ET Q q 0 0 0 rg BT 261.81 490.25 Td (and ) Tj ET Q q 0 0 0 rg BT 279.73 490.25 Td (transportation ) Tj ET Q q 0 0 0 rg BT 338.76 490.25 Td (equipment. ) Tj ET Q q 0 0 0 rg BT 386.96 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 390.19 490.25 Td (The ) Tj ET Q q 0 0 0 rg BT 409.22 490.25 Td (leasing ) Tj ET Q q 0 0 0 rg BT 441.03 490.25 Td (subsidiaries ) Tj ET Q q 0 0 0 rg BT 491.73 490.25 Td (also ) Tj ET Q q 0 0 0 rg BT 511.33 490.25 Td (specialize ) Tj ET Q q 0 0 0 rg BT 554.23 490.25 Td (in ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (selling ) Tj ET Q q 0 0 0 rg BT 79.17 478.25 Td (third ) Tj ET Q q 0 0 0 rg BT 100.55 478.25 Td (party ) Tj ET Q q 0 0 0 rg BT 123.60 478.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 168.31 478.25 Td (maintenance ) Tj ET Q q 0 0 0 rg BT 221.34 478.25 Td (contracts ) Tj ET Q q 0 0 0 rg BT 259.93 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 270.21 478.25 Td (lar) Tj ET Q q 0 0 0 rg BT 280.58 478.25 Td (ge ) Tj ET Q q 0 0 0 rg BT 292.51 478.25 Td (companies. ) Tj ET Q q 0 0 0 rg BT 340.28 478.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 449.25 Td (The ) Tj ET Q q 0 0 0 rg BT 67.23 449.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 107.80 449.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 143.37 449.25 Td (Segment ) Tj ET Q q 0 0 0 rg BT 180.05 449.25 Td (originates ) Tj ET Q q 0 0 0 rg BT 221.17 449.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 264.51 449.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 303.96 449.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 326.75 449.25 Td (for ) Tj ET Q q 0 0 0 rg BT 340.10 449.25 Td (sale ) Tj ET Q q 0 0 0 rg BT 357.33 449.25 Td (to ) Tj ET Q q 0 0 0 rg BT 366.79 449.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 404.59 449.25 Td (and ) Tj ET Q q 0 0 0 rg BT 420.71 449.25 Td (for ) Tj ET Q q 0 0 0 rg BT 434.06 449.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.96 449.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 494.23 449.25 Td (portfolio ) Tj ET Q q 0 0 0 rg BT 530.91 449.25 Td (through ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 437.25 Td (its ) Tj ET Q q 0 0 0 rg BT 62.12 437.25 Td (retail ) Tj ET Q q 0 0 0 rg BT 85.34 437.25 Td (and ) Tj ET Q q 0 0 0 rg BT 102.46 437.25 Td (third ) Tj ET Q q 0 0 0 rg BT 124.02 437.25 Td (party ) Tj ET Q q 0 0 0 rg BT 147.24 437.25 Td (originator ) Tj ET Q q 0 0 0 rg BT 189.35 437.25 Td (channels. ) Tj ET Q q 0 0 0 rg BT 229.32 437.25 Td (This ) Tj ET Q q 0 0 0 rg BT 249.77 437.25 Td (segment ) Tj ET Q q 0 0 0 rg BT 285.77 437.25 Td (also ) Tj ET Q q 0 0 0 rg BT 304.56 437.25 Td (services ) Tj ET Q q 0 0 0 rg BT 339.44 437.25 Td (residential ) Tj ET Q q 0 0 0 rg BT 383.77 437.25 Td (mortgage ) Tj ET Q q 0 0 0 rg BT 424.21 437.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 447.99 437.25 Td (for ) Tj ET Q q 0 0 0 rg BT 462.33 437.25 Td (various ) Tj ET Q q 0 0 0 rg BT 494.44 437.25 Td (investors ) Tj ET Q q 0 0 0 rg BT 533.22 437.25 Td (and ) Tj ET Q q 0 0 0 rg BT 550.34 437.25 Td (for ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 425.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 73.19 425.25 Td (owned ) Tj ET Q q 0 0 0 rg BT 101.93 425.25 Td (by ) Tj ET Q q 0 0 0 rg BT 114.02 425.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.32 425.25 Td (Company) Tj ET Q q 0 0 0 rg BT 166.55 425.25 Td (. ) Tj ET Q q 0 0 0 rg BT 171.14 425.25 Td ( ) Tj ET Q q 0 0 0 rg BT 173.07 425.25 Td (The ) Tj ET Q q 0 0 0 rg BT 190.70 425.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 231.66 425.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 267.63 425.25 Td (Segment ) Tj ET Q q 0 0 0 rg BT 304.70 425.25 Td (is ) Tj ET Q q 0 0 0 rg BT 313.46 425.25 Td (also ) Tj ET Q q 0 0 0 rg BT 331.65 425.25 Td (subject ) Tj ET Q q 0 0 0 rg BT 362.05 425.25 Td (to ) Tj ET Q q 0 0 0 rg BT 371.92 425.25 Td (an ) Tj ET Q q 0 0 0 rg BT 383.44 425.25 Td (extensive ) Tj ET Q q 0 0 0 rg BT 423.28 425.25 Td (system ) Tj ET Q q 0 0 0 rg BT 453.14 425.25 Td (of ) Tj ET Q q 0 0 0 rg BT 463.56 425.25 Td (laws ) Tj ET Q q 0 0 0 rg BT 483.97 425.25 Td (and ) Tj ET Q q 0 0 0 rg BT 500.49 425.25 Td (regulations ) Tj ET Q q 0 0 0 rg BT 547.01 425.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 413.25 Td (are ) Tj ET Q q 0 0 0 rg BT 64.71 413.25 Td (intended ) Tj ET Q q 0 0 0 rg BT 101.64 413.25 Td (primarily ) Tj ET Q q 0 0 0 rg BT 141.35 413.25 Td (for ) Tj ET Q q 0 0 0 rg BT 155.51 413.25 Td (the ) Tj ET Q q 0 0 0 rg BT 170.23 413.25 Td (protection ) Tj ET Q q 0 0 0 rg BT 213.27 413.25 Td (of ) Tj ET Q q 0 0 0 rg BT 224.10 413.25 Td (customers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 384.25 Td (Net ) Tj ET Q q 0 0 0 rg BT 66.75 384.25 Td (interest ) Tj ET Q q 0 0 0 rg BT 98.49 384.25 Td (income ) Tj ET Q q 0 0 0 rg BT 130.23 384.25 Td (for ) Tj ET Q q 0 0 0 rg BT 144.19 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 158.72 384.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 192.68 384.25 Td (and ) Tj ET Q q 0 0 0 rg BT 209.43 384.25 Td (Mortgage ) Tj ET Q q 0 0 0 rg BT 250.61 384.25 Td (Banking ) Tj ET Q q 0 0 0 rg BT 286.80 384.25 Td (segments ) Tj ET Q q 0 0 0 rg BT 326.33 384.25 Td (include ) Tj ET Q q 0 0 0 rg BT 358.07 384.25 Td (adjustments ) Tj ET Q q 0 0 0 rg BT 408.15 384.25 Td (based ) Tj ET Q q 0 0 0 rg BT 433.23 384.25 Td (on ) Tj ET Q q 0 0 0 rg BT 445.53 384.25 Td (the ) Tj ET Q q 0 0 0 rg BT 460.06 384.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 506.94 384.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 539.79 384.25 Td (funds ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 372.25 Td (transfer ) Tj ET Q q 0 0 0 rg BT 83.29 372.25 Td (pricing ) Tj ET Q q 0 0 0 rg BT 114.38 372.25 Td (model. ) Tj ET Q q 0 0 0 rg BT 144.63 372.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.39 372.25 Td (Non-interest ) Tj ET Q q 0 0 0 rg BT 200.13 372.25 Td (income ) Tj ET Q q 0 0 0 rg BT 232.32 372.25 Td (for ) Tj ET Q q 0 0 0 rg BT 246.74 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 261.72 372.25 Td (Leasing ) Tj ET Q q 0 0 0 rg BT 296.13 372.25 Td (Segment ) Tj ET Q q 0 0 0 rg BT 333.88 372.25 Td (includes ) Tj ET Q q 0 0 0 rg BT 369.96 372.25 Td (income ) Tj ET Q q 0 0 0 rg BT 402.16 372.25 Td (on ) Tj ET Q q 0 0 0 rg BT 414.91 372.25 Td (loans ) Tj ET Q q 0 0 0 rg BT 438.78 372.25 Td (originated ) Tj ET Q q 0 0 0 rg BT 482.08 372.25 Td (for ) Tj ET Q q 0 0 0 rg BT 496.50 372.25 Td (the ) Tj ET Q q 0 0 0 rg BT 511.47 372.25 Td (sole ) Tj ET Q q 0 0 0 rg BT 530.34 372.25 Td (purpose ) 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 (funding ) Tj ET Q q 0 0 0 rg BT 94.44 360.25 Td (equipment ) Tj ET Q q 0 0 0 rg BT 139.15 360.25 Td (purchases ) Tj ET Q q 0 0 0 rg BT 181.08 360.25 Td (related ) Tj ET Q q 0 0 0 rg BT 210.78 360.25 Td (to ) Tj ET Q q 0 0 0 rg BT 221.06 360.25 Td (leases ) Tj ET Q q 0 0 0 rg BT 247.44 360.25 Td (at ) Tj ET Q q 0 0 0 rg BT 257.15 360.25 Td (the ) Tj ET Q q 0 0 0 rg BT 271.87 360.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 318.95 360.25 Td (lease ) Tj ET Q q 0 0 0 rg BT 341.44 360.25 Td (subsidiaries. ) Tj ET Q endstream endobj 281 0 obj <> endobj 282 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (140) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 742.10 Td (The following tables present summary financial information for the reportable segments \(in thousands\):) Tj ET Q 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 707.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 707.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 707.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 707.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 707.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 707.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 707.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 707.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 683.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 683.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 683.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 683.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 683.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 683.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 683.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 683.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 659.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 659.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 659.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 659.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 659.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 659.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 659.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 659.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 635.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 635.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 635.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 635.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 635.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 635.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 635.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 635.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 611.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 611.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 611.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 611.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 611.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 611.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 611.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 611.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 587.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 587.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 587.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 587.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 587.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 587.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 587.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 587.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 563.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 563.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 563.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 563.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 563.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 563.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 563.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 563.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 539.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 539.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 539.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 539.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 539.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 539.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 539.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 539.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 515.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 515.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 515.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 515.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 515.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 515.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 515.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 515.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 491.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 491.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 491.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 491.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 491.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 491.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 491.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 491.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 467.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 467.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 467.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 467.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 467.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 467.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 467.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 467.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 443.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 443.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 443.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 443.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 443.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 443.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 443.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 443.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 419.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 419.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 419.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 419.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 419.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 419.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 419.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 419.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 49.50 395.60 233.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 282.50 395.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 349.50 395.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 353.50 395.60 66.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 419.50 395.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 423.50 395.60 67.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 490.50 395.60 4.00 -12.00 re f /GS0 gs 0.8 0.9333333333333333 1 rg /GS0 gs 494.50 395.60 67.00 -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 282.5 707.6 m 349.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 707.6 m 419.5 707.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 707.6 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 494.5 707.6 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 423.5 623.6 m 490.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 623.6 m 561.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 623.6 m 349.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 612.6 m 349.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 610.6 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 353.5 623.6 m 419.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 612.6 m 419.5 612.6 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 419.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 623.6 m 490.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 612.6 m 490.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 610.6 m 490.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 623.6 m 561.5 623.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 612.6 m 561.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 610.6 m 561.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 600.6 m 349.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 598.6 m 349.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 600.6 m 419.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 598.6 m 419.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 610.6 m 490.5 610.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 612.6 m 490.5 612.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 600.6 m 490.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 598.6 m 490.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 600.6 m 561.5 600.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 598.6 m 561.5 598.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 515.6 m 490.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 515.6 m 561.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 515.6 m 349.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 504.6 m 349.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 502.6 m 349.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 515.6 m 419.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 504.6 m 419.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 502.6 m 419.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 515.6 m 490.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 490.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 502.6 m 490.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 515.6 m 561.5 515.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 504.6 m 561.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 502.6 m 561.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 492.6 m 349.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 490.6 m 349.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 492.6 m 419.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 490.6 m 419.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 502.6 m 490.5 502.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 504.6 m 490.5 504.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 492.6 m 490.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 490.6 m 490.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 492.6 m 561.5 492.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 490.6 m 561.5 490.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 407.6 m 490.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 407.6 m 561.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 407.6 m 349.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 396.6 m 349.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 394.6 m 349.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 407.6 m 419.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 396.6 m 419.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 394.6 m 419.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 407.6 m 490.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 396.6 m 490.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 394.6 m 490.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 407.6 m 561.5 407.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 396.6 m 561.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 494.5 394.6 m 561.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 384.6 m 349.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 282.5 382.6 m 349.5 382.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 384.6 m 419.5 384.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 353.5 382.6 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 423.5 394.6 m 490.5 394.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 396.6 m 490.5 396.6 l s 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 423.5 384.6 m 490.5 384.6 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 494.5 384.6 m 561.5 384.6 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 561.5 382.6 l s BT /F2 9.00 Tf ET q 0 0 0 rg BT 299.20 712.05 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 370.95 712.05 Td (Leasing) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 437.75 721.05 Td (Mortgage) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 440.20 712.05 Td (Banking) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 502.20 712.05 Td (Consolidated) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 699.00 Td (Year ended December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 687.00 Td (2016) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 674.86 Td (Net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 674.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 674.86 Td (475,133) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 674.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.75 674.86 Td (9,415) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 674.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 674.86 Td (33,343) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 674.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 674.86 Td (517,891) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 662.86 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 662.86 Td (18,583) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 402.50 662.86 Td (295) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 662.86 Td (685) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 662.86 Td (19,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 650.86 Td (Non-interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 650.86 Td (153,250) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 650.86 Td (73,503) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.75 650.86 Td (148,150) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 650.86 Td (374,903) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 638.86 Td (Non-interest expense ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 130.47 642.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 638.86 Td (421,733) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 638.86 Td (48,450) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.75 638.86 Td (149,668) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 638.86 Td (619,851) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 626.86 Td (Income tax expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 626.86 Td (53,263) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 626.86 Td (13,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 626.86 Td (12,456) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 626.86 Td (79,244) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 614.86 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 614.86 Td (134,804) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 614.86 Td (20,648) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 614.86 Td (18,684) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 614.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 614.86 Td (174,136) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 602.86 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.50 602.86 Td (16,368,881) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 602.86 Td (1,224,169) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 602.86 Td (1,709,267) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 602.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 602.86 Td (19,302,317) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 591.00 Td (Year ended December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 579.00 Td (2015) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 566.86 Td (Net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 566.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 566.86 Td (424,883) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 566.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 566.86 Td (11,475) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 566.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 566.86 Td (29,248) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 566.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 566.86 Td (465,606) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 554.86 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 554.86 Td (19,436) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 395.75 554.86 Td (1,598) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 473.50 554.86 Td (352) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 554.86 Td (21,386) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 542.86 Td (Non-interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 542.86 Td (127,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 542.86 Td (76,943) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.75 542.86 Td (117,440) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 542.86 Td (322,093) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 530.86 Td (Non-interest expense ) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 130.47 534.94 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 530.86 Td (355,727) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 530.86 Td (45,364) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.75 530.86 Td (133,063) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 530.86 Td (534,154) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 518.86 Td (Income tax expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 518.86 Td (51,647) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 518.86 Td (16,255) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 518.86 Td (5,309) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 518.86 Td (73,211) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 506.86 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 506.86 Td (125,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 506.86 Td (25,201) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 506.86 Td (7,964) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 506.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 506.86 Td (158,948) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 494.86 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 494.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.50 494.86 Td (13,243,710) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 494.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 380.00 494.86 Td (1,015,918) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 494.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 451.00 494.86 Td (1,325,379) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 494.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 494.86 Td (15,585,007) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 483.00 Td (Year ended December 31,) Tj ET Q BT /F2 9.00 Tf ET q 0 0 0 rg BT 52.00 471.00 Td (2014) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 458.86 Td (Net interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 458.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 458.86 Td (328,326) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 458.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 458.86 Td (12,783) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 458.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 458.86 Td (9,714) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 458.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 458.86 Td (350,823) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 446.86 Td (Provision for credit losses) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 446.86 Td (12,022) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 407.00 446.86 Td (35) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 479.50 446.86 Td (\(5) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 487.00 446.86 Td (\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 446.86 Td (12,052) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 434.86 Td (Non-interest income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 434.86 Td (115,411) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 434.86 Td (59,806) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 434.86 Td (46,088) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 434.86 Td (221,305) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 422.86 Td (Non-interest expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 316.75 422.86 Td (350,358) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 422.86 Td (39,525) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 462.25 422.86 Td (46,899) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 528.75 422.86 Td (436,782) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 410.86 Td (Income tax expense) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 410.86 Td (21,106) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 410.86 Td (12,524) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 410.86 Td (3,563) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 410.86 Td (37,193) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 398.86 Td (Net income) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 398.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 321.25 398.86 Td (60,251) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 398.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 391.25 398.86 Td (20,505) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 398.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 466.75 398.86 Td (5,345) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 398.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 533.25 398.86 Td (86,101) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 52.00 386.86 Td (Total assets) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 285.00 386.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 305.50 386.86 Td (12,698,740) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 356.00 386.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 386.75 386.86 Td (930,748) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 426.00 386.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 457.75 386.86 Td (972,611) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 497.00 386.86 Td ($) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 517.50 386.86 Td (14,602,099) Tj ET Q BT /F1 10.00 Tf ET BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 365.38 Td (\(1\) ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 361.30 Td (Includes ) Tj ET Q q 0 0 0 rg BT 118.00 361.30 Td (mer) Tj ET Q q 0 0 0 rg BT 131.83 361.30 Td (ger ) Tj ET Q q 0 0 0 rg BT 144.84 361.30 Td (related ) Tj ET Q q 0 0 0 rg BT 170.84 361.30 Td (expenses ) Tj ET Q q 0 0 0 rg BT 204.84 361.30 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 213.85 361.30 Td ($23.7 ) Tj ET Q q 0 0 0 rg BT 235.62 361.30 Td (million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 261.62 361.30 Td (, ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 265.39 361.30 Td ($5.5 ) Tj ET Q q 0 0 0 rg BT 282.65 361.30 Td (million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 308.65 361.30 Td ( ) Tj ET Q q 0 0 0 rg BT 310.17 361.30 Td (and ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 324.68 361.30 Td ($45.4 ) Tj ET Q q 0 0 0 rg BT 346.44 361.30 Td (million) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 372.45 361.30 Td ( ) Tj ET Q q 0 0 0 rg BT 373.96 361.30 Td (in ) Tj ET Q q 0 0 0 rg BT 382.48 361.30 Td (the ) Tj ET Q q 0 0 0 rg BT 394.99 361.30 Td (banking ) Tj ET Q q 0 0 0 rg BT 425.50 361.30 Td (segment ) Tj ET Q q 0 0 0 rg BT 457.01 361.30 Td (for ) Tj ET Q q 0 0 0 rg BT 469.02 361.30 Td (the ) Tj ET Q q 0 0 0 rg BT 481.53 361.30 Td (years ) Tj ET Q q 0 0 0 rg BT 502.03 361.30 Td (ended ) Tj ET Q q 0 0 0 rg BT 525.03 361.30 Td (December ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 350.50 Td (31, ) Tj ET Q q 0 0 0 rg BT 99.67 350.50 Td (2016, ) Tj ET Q q 0 0 0 rg BT 122.33 350.50 Td (2015 ) Tj ET Q q 0 0 0 rg BT 142.75 350.50 Td (and ) Tj ET Q q 0 0 0 rg BT 158.16 350.50 Td (2014, ) Tj ET Q q 0 0 0 rg BT 180.82 350.50 Td (respectively) Tj ET Q q 0 0 0 rg BT 223.72 350.50 Td (. ) Tj ET Q q 0 0 0 rg BT 228.39 350.50 Td ( ) Tj ET Q q 0 0 0 rg BT 230.27 350.50 Td (Also, ) Tj ET Q q 0 0 0 rg BT 251.94 350.50 Td (includes ) Tj ET Q q 0 0 0 rg BT 284.35 350.50 Td (contingent ) Tj ET Q q 0 0 0 rg BT 324.75 350.50 Td (consideration ) Tj ET Q q 0 0 0 rg BT 375.65 350.50 Td (expense ) Tj ET Q q 0 0 0 rg BT 407.06 350.50 Td (related ) Tj ET Q q 0 0 0 rg BT 433.95 350.50 Td (to ) Tj ET Q q 0 0 0 rg BT 443.37 350.50 Td (our ) Tj ET Q q 0 0 0 rg BT 457.78 350.50 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 499.69 350.50 Td (of ) Tj ET Q q 0 0 0 rg BT 509.61 350.50 Td (Celtic ) Tj ET Q q 0 0 0 rg BT 533.52 350.50 Td (Leasing ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 86.00 339.70 Td (Corp. ) Tj ET Q q 0 0 0 rg BT 108.50 339.70 Td (in ) Tj ET Q q 0 0 0 rg BT 117.75 339.70 Td (the ) Tj ET Q q 0 0 0 rg BT 131.00 339.70 Td (banking ) Tj ET Q q 0 0 0 rg BT 162.24 339.70 Td (segment ) Tj ET Q q 0 0 0 rg BT 194.48 339.70 Td (for ) Tj ET Q q 0 0 0 rg BT 207.23 339.70 Td (the ) Tj ET Q q 0 0 0 rg BT 220.47 339.70 Td (year ) Tj ET Q q 0 0 0 rg BT 238.21 339.70 Td (ended ) Tj ET Q q 0 0 0 rg BT 261.95 339.70 Td (December ) Tj ET Q q 0 0 0 rg BT 301.17 339.70 Td (31, ) Tj ET Q q 0 0 0 rg BT 314.67 339.70 Td (2016 ) Tj ET Q q 0 0 0 rg BT 334.92 339.70 Td (and ) Tj ET Q q 0 0 0 rg BT 350.17 339.70 Td (2014.) 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BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 338.32 Td (10,637) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 338.32 Td (14,636) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 324.48 Td (Income before income tax benefit and equity in undistributed net) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 314.48 Td (income of subsidiaries) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 315.42 Td (98,923) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 315.42 Td (147,832) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 315.42 Td (89,961) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 301.32 Td (Income tax benefit) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.80 301.37 Td (\(5,303) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 301.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 301.37 Td (\(4,018) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 301.32 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 301.37 Td (\(4,590) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 301.32 Td 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BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 512.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 522.80 512.22 Td (\(101,546) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 512.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 498.17 Td (Cash Flows From Financing Activities) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 496.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 496.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 496.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 484.17 Td (Treasury stock transactions, net) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.80 484.22 Td (\(3,837) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 484.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 484.22 Td (\(53,587) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 484.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 484.22 Td (\(2,690) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 484.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 470.17 Td (Stock options exercised) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 400.15 470.17 Td (1,410) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 475.65 470.17 Td (499) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 536.15 470.17 Td (1,034) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 456.17 Td (Dividends paid on common stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 456.22 Td (\(58,177) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 456.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 456.22 Td (\(48,413) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 456.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 456.22 Td (\(34,210) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 456.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 442.17 Td (Dividends paid on preferred stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.80 442.22 Td (\(8,009) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 442.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 464.80 442.22 Td (\(8,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 442.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 532.80 442.22 Td (\(2,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 442.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 428.17 Td (Net \(decrease\) increase short-term borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 428.22 Td (\(15,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 428.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 428.17 Td (25,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 428.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 414.17 Td (Principal paid on long-term borrowings) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 396.80 414.22 Td (\(2,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 414.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 414.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 548.65 414.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 400.17 Td (Redemption of on junior subordinated notes issued to capital trusts) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 412.65 400.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.65 400.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 400.22 Td (\(45,369) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 400.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 386.28 Td (Net cash used in financing activities) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 386.22 Td (\(85,613) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 386.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 459.80 386.22 Td (\(84,501) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 490.65 386.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 386.22 Td (\(83,235) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 386.17 Td (\)) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 71.00 372.33 Td (Net \(decrease\) increase in cash) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 391.80 372.22 Td (\(78,228) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 422.65 372.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 372.17 Td (72,658) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 527.80 372.22 Td (\(89,840) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 558.65 372.17 Td (\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 358.17 Td (Cash:) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 423.00 356.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 491.00 356.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 559.00 356.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 344.17 Td (Beginning of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 390.15 344.17 Td (104,819) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.15 344.17 Td (32,161) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 526.15 344.17 Td (122,001) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 59.00 330.17 Td (End of year) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 365.00 330.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 395.15 330.17 Td (26,591) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 433.00 330.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 458.15 330.17 Td (104,819) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 501.00 330.17 Td ($) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 531.15 330.17 Td (32,161) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 287 0 obj <> endobj 288 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (143) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Note 23. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Pr) Tj ET Q q 0 0 0 rg BT 137.37 742.25 Td (eferr) Tj ET Q q 0 0 0 rg BT 158.27 742.25 Td (ed Stock) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (On ) Tj ET Q q 0 0 0 rg BT 63.67 718.25 Td (August ) Tj ET Q q 0 0 0 rg BT 94.42 718.25 Td (18, ) Tj ET Q q 0 0 0 rg BT 108.78 718.25 Td (2014, ) Tj ET Q q 0 0 0 rg BT 133.14 718.25 Td (in ) Tj ET Q q 0 0 0 rg BT 142.78 718.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 188.51 718.25 Td (with ) Tj ET Q q 0 0 0 rg BT 208.15 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 222.09 718.25 Td (T) Tj ET Q q 0 0 0 rg BT 227.50 718.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 249.90 718.25 Td (Capital ) Tj ET Q q 0 0 0 rg BT 280.65 718.25 Td (mer) Tj ET Q q 0 0 0 rg BT 296.01 718.25 Td (ger) Tj ET Q q 0 0 0 rg BT 308.38 718.25 Td (, ) Tj ET Q q 0 0 0 rg BT 312.74 718.25 Td (the ) Tj ET Q q 0 0 0 rg BT 326.82 718.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 367.56 718.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 394.42 718.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 408.86 718.25 Td ( ) Tj ET Q q 0 0 0 rg BT 410.72 718.25 Td (share ) Tj ET Q q 0 0 0 rg BT 433.68 718.25 Td (of ) Tj ET Q q 0 0 0 rg BT 443.87 718.25 Td (its ) Tj ET Q q 0 0 0 rg BT 455.17 718.25 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 494.80 718.25 Td (Non-Cumulative ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 90.29 706.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 118.67 706.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 145.52 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 152.19 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 155.29 706.25 Td (\(Company ) Tj ET Q q 0 0 0 rg BT 205.04 706.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 231.89 706.25 Td (A) Tj ET Q q 0 0 0 rg BT 238.56 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 241.66 706.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 281.96 706.25 Td (Stock\), ) Tj ET Q q 0 0 0 rg BT 318.10 706.25 Td (in ) Tj ET Q q 0 0 0 rg BT 328.97 706.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 369.83 706.25 Td (for ) Tj ET Q q 0 0 0 rg BT 384.58 706.25 Td (each ) Tj ET Q q 0 0 0 rg BT 406.00 706.25 Td (of ) Tj ET Q q 0 0 0 rg BT 417.42 706.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 432.74 706.25 Td (4,000,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 472.74 706.25 Td ( ) Tj ET Q q 0 0 0 rg BT 475.83 706.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 525.60 706.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 553.68 706.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.25 Td (T) Tj ET Q q 0 0 0 rg BT 55.41 694.25 Td (aylor ) Tj ET Q q 0 0 0 rg BT 79.25 694.25 Td (Capital) Tj ET Q q 0 0 0 rg BT 110.91 694.25 Td (s ) Tj ET Q q 0 0 0 rg BT 118.09 694.25 Td (Perpetual ) Tj ET Q q 0 0 0 rg BT 159.15 694.25 Td (Non-Cumulative ) Tj ET Q q 0 0 0 rg BT 229.65 694.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 270.14 694.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 298.71 694.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 325.71 694.25 Td (A. ) Tj ET Q q 0 0 0 rg BT 338.72 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 342.01 694.25 Td (Holders ) Tj ET Q q 0 0 0 rg BT 376.96 694.25 Td (of ) Tj ET Q q 0 0 0 rg BT 388.58 694.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.09 694.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 446.27 694.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 473.27 694.25 Td (A) Tj ET Q q 0 0 0 rg BT 479.94 694.25 Td ( ) Tj ET Q q 0 0 0 rg BT 483.23 694.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 523.72 694.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 549.79 694.25 Td (are ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td (entitled ) Tj ET Q q 0 0 0 rg BT 81.95 682.25 Td (to ) Tj ET Q q 0 0 0 rg BT 91.68 682.25 Td (receive, ) Tj ET Q q 0 0 0 rg BT 125.00 682.25 Td (when ) Tj ET Q q 0 0 0 rg BT 148.61 682.25 Td (as ) Tj ET Q q 0 0 0 rg BT 158.90 682.25 Td (and ) Tj ET Q q 0 0 0 rg BT 175.29 682.25 Td (if ) Tj ET Q q 0 0 0 rg BT 183.36 682.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 219.17 682.25 Td (by ) Tj ET Q q 0 0 0 rg BT 231.13 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 245.30 682.25 Td (Company) Tj ET Q q 0 0 0 rg BT 286.97 682.25 Td (s ) Tj ET Q q 0 0 0 rg BT 292.81 682.25 Td (board ) Tj ET Q q 0 0 0 rg BT 317.54 682.25 Td (of ) Tj ET Q q 0 0 0 rg BT 327.82 682.25 Td (directors, ) Tj ET Q q 0 0 0 rg BT 367.27 682.25 Td (non-cumulative ) Tj ET Q q 0 0 0 rg BT 431.98 682.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 451.70 682.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 492.55 682.25 Td (on ) Tj ET Q q 0 0 0 rg BT 504.50 682.25 Td (the ) Tj ET Q q 0 0 0 rg BT 518.67 682.25 Td (liquidation ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (preference, ) Tj ET Q q 0 0 0 rg BT 97.46 670.25 Td (which ) Tj ET Q q 0 0 0 rg BT 124.68 670.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 134.13 670.25 Td ($25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 149.13 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 151.91 670.25 Td (per ) Tj ET Q q 0 0 0 rg BT 167.46 670.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 193.84 670.25 Td (at ) Tj ET Q q 0 0 0 rg BT 203.83 670.25 Td (a ) Tj ET Q q 0 0 0 rg BT 211.05 670.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 228.82 670.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 239.93 670.25 Td (8.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 265.76 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 268.54 670.25 Td (per ) Tj ET Q q 0 0 0 rg BT 284.08 670.25 Td (annum, ) Tj ET Q q 0 0 0 rg BT 316.58 670.25 Td (payable ) Tj ET Q q 0 0 0 rg BT 350.46 670.25 Td (quarterly) Tj ET Q q 0 0 0 rg BT 385.90 670.25 Td (. ) Tj ET Q q 0 0 0 rg BT 391.18 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 393.76 670.25 Td (The ) Tj ET Q q 0 0 0 rg BT 412.08 670.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 453.75 670.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 480.36 670.25 Td (A) Tj ET Q q 0 0 0 rg BT 487.03 670.25 Td ( ) Tj ET Q q 0 0 0 rg BT 489.81 670.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 529.78 670.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 555.34 670.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (included ) Tj ET Q q 0 0 0 rg BT 86.70 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 96.59 658.25 Td (T) Tj ET Q q 0 0 0 rg BT 102.34 658.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 115.16 658.25 Td (1 ) Tj ET Q q 0 0 0 rg BT 122.43 658.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 151.35 658.25 Td (for ) Tj ET Q q 0 0 0 rg BT 165.28 658.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 208.64 658.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 237.56 658.25 Td (purposes ) Tj ET Q q 0 0 0 rg BT 275.38 658.25 Td (and ) Tj ET Q q 0 0 0 rg BT 292.09 658.25 Td (is ) Tj ET Q q 0 0 0 rg BT 301.03 658.25 Td (redeemable ) Tj ET Q q 0 0 0 rg BT 349.38 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 358.87 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 373.35 658.25 Td (option ) Tj ET Q q 0 0 0 rg BT 401.18 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 411.78 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 426.26 658.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 467.42 658.25 Td (at ) Tj ET Q q 0 0 0 rg BT 476.91 658.25 Td (a ) Tj ET Q q 0 0 0 rg BT 483.62 658.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 531.43 658.25 Td (price ) Tj ET Q q 0 0 0 rg BT 553.68 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td ($25) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 65.00 646.25 Td ( ) Tj ET Q q 0 0 0 rg BT 67.76 646.25 Td (per ) Tj ET Q q 0 0 0 rg BT 83.29 646.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 109.66 646.25 Td (plus ) Tj ET Q q 0 0 0 rg BT 129.09 646.25 Td (any ) Tj ET Q q 0 0 0 rg BT 146.29 646.25 Td (declared ) Tj ET Q q 0 0 0 rg BT 182.91 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 200.12 646.25 Td (unpaid ) Tj ET Q q 0 0 0 rg BT 230.09 646.25 Td (dividends, ) Tj ET Q q 0 0 0 rg BT 274.24 646.25 Td (\(i\) ) Tj ET Q q 0 0 0 rg BT 286.45 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 296.99 646.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 324.19 646.25 Td (or ) Tj ET Q q 0 0 0 rg BT 335.28 646.25 Td (in ) Tj ET Q q 0 0 0 rg BT 345.82 646.25 Td (part ) Tj ET Q q 0 0 0 rg BT 364.13 646.25 Td (from ) Tj ET Q q 0 0 0 rg BT 386.33 646.25 Td (time ) Tj ET Q q 0 0 0 rg BT 406.87 646.25 Td (to ) Tj ET Q q 0 0 0 rg BT 417.41 646.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 440.45 646.25 Td (on ) Tj ET Q q 0 0 0 rg BT 453.21 646.25 Td (any ) Tj ET Q q 0 0 0 rg BT 470.41 646.25 Td (dividend ) Tj ET Q q 0 0 0 rg BT 508.17 646.25 Td (payment ) Tj ET Q q 0 0 0 rg BT 545.36 646.25 Td (date ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (on ) Tj ET Q q 0 0 0 rg BT 62.31 634.25 Td (or ) Tj ET Q q 0 0 0 rg BT 72.95 634.25 Td (after ) Tj ET Q q 0 0 0 rg BT 93.58 634.25 Td (February ) Tj ET Q q 0 0 0 rg BT 131.99 634.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 146.80 634.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 171.61 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 188.36 634.25 Td (\(ii\) ) Tj ET Q q 0 0 0 rg BT 202.89 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 212.98 634.25 Td (whole ) Tj ET Q q 0 0 0 rg BT 239.73 634.25 Td (but ) Tj ET Q q 0 0 0 rg BT 254.82 634.25 Td (not ) Tj ET Q q 0 0 0 rg BT 269.91 634.25 Td (in ) Tj ET Q q 0 0 0 rg BT 279.99 634.25 Td (part ) Tj ET Q q 0 0 0 rg BT 297.85 634.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 319.60 634.25 Td (to ) Tj ET Q q 0 0 0 rg BT 329.69 634.25 Td (February ) Tj ET Q q 0 0 0 rg BT 368.10 634.25 Td (15, ) Tj ET Q q 0 0 0 rg BT 382.91 634.25 Td (2018, ) Tj ET Q q 0 0 0 rg BT 407.72 634.25 Td (within ) Tj ET Q q 0 0 0 rg BT 435.59 634.25 Td (90 ) Tj ET Q q 0 0 0 rg BT 447.90 634.25 Td (days ) Tj ET Q q 0 0 0 rg BT 468.54 634.25 Td (following ) Tj ET Q q 0 0 0 rg BT 509.74 634.25 Td (a ) Tj ET Q q 0 0 0 rg BT 516.49 634.25 Td (regulatory ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 78.37 622.25 Td (treatment ) Tj ET Q q 0 0 0 rg BT 117.84 622.25 Td (event, ) Tj ET Q q 0 0 0 rg BT 148.15 622.25 Td (as ) Tj ET Q q 0 0 0 rg BT 158.19 622.25 Td (defined ) Tj ET Q q 0 0 0 rg BT 189.90 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 199.39 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 213.32 622.25 Td (terms ) Tj ET Q q 0 0 0 rg BT 237.25 622.25 Td (of ) Tj ET Q q 0 0 0 rg BT 247.30 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 261.23 622.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 301.83 622.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 327.61 622.25 Td (A) Tj ET Q q 0 0 0 rg BT 334.28 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 335.99 622.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 374.91 622.25 Td (Stock. ) Tj ET Q q 0 0 0 rg BT 401.90 622.25 Td ( ) Tj ET Q q 0 0 0 rg BT 403.49 622.25 Td (The ) Tj ET Q q 0 0 0 rg BT 420.75 622.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 461.35 622.25 Td (must ) Tj ET Q q 0 0 0 rg BT 482.52 622.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 513.10 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 527.03 622.25 Td (approval ) 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 60.83 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 75.55 610.25 Td (Federal ) Tj ET Q q 0 0 0 rg BT 108.03 610.25 Td (Reserve ) Tj ET Q q 0 0 0 rg BT 142.74 610.25 Td (Board ) Tj ET Q q 0 0 0 rg BT 169.68 610.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 191.62 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 201.89 610.25 Td (any ) Tj ET Q q 0 0 0 rg BT 218.83 610.25 Td (redemption ) Tj ET Q q 0 0 0 rg BT 266.88 610.25 Td (of ) Tj ET Q q 0 0 0 rg BT 277.71 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.42 610.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 333.81 610.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 360.20 610.25 Td (A) Tj ET Q q 0 0 0 rg BT 366.87 610.25 Td ( ) Tj ET Q q 0 0 0 rg BT 369.37 610.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 409.06 610.25 Td (Stock.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (On ) Tj ET Q q 0 0 0 rg BT 64.02 586.25 Td (August ) Tj ET Q q 0 0 0 rg BT 95.21 586.25 Td (24, ) Tj ET Q q 0 0 0 rg BT 110.02 586.25 Td (2016, ) Tj ET Q q 0 0 0 rg BT 134.82 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 144.91 586.25 Td (connection ) Tj ET Q q 0 0 0 rg BT 191.08 586.25 Td (with ) Tj ET Q q 0 0 0 rg BT 211.17 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 225.18 586.25 Td (American ) Tj ET Q q 0 0 0 rg BT 266.91 586.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 308.64 586.25 Td (mer) Tj ET Q q 0 0 0 rg BT 324.00 586.25 Td (ger) Tj ET Q q 0 0 0 rg BT 336.37 586.25 Td (, ) Tj ET Q q 0 0 0 rg BT 341.17 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 355.70 586.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 396.89 586.25 Td (issued ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 424.19 586.25 Td (one) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 438.63 586.25 Td ( ) Tj ET Q q 0 0 0 rg BT 440.94 586.25 Td (share ) Tj ET Q q 0 0 0 rg BT 464.34 586.25 Td (of ) Tj ET Q q 0 0 0 rg BT 474.97 586.25 Td (its ) Tj ET Q q 0 0 0 rg BT 486.73 586.25 Td (Cumulative ) Tj ET Q q 0 0 0 rg BT 535.52 586.25 Td (V) Tj ET Q q 0 0 0 rg BT 541.46 586.25 Td (oting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td (Convertible ) Tj ET Q q 0 0 0 rg BT 99.35 574.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 138.68 574.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 166.10 574.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 192.67 574.25 Td (B ) Tj ET Q q 0 0 0 rg BT 201.48 574.25 Td (\("Company ) Tj ET Q q 0 0 0 rg BT 249.91 574.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 276.49 574.25 Td (B ) Tj ET Q q 0 0 0 rg BT 285.29 574.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 324.63 574.25 Td (Stock"\), ) Tj ET Q q 0 0 0 rg BT 359.45 574.25 Td (in ) Tj ET Q q 0 0 0 rg BT 369.37 574.25 Td (exchange ) Tj ET Q q 0 0 0 rg BT 409.26 574.25 Td (for ) Tj ET Q q 0 0 0 rg BT 423.05 574.25 Td (each ) Tj ET Q q 0 0 0 rg BT 443.51 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 453.97 574.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 468.33 574.25 Td (525) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 483.33 574.25 Td ( ) Tj ET Q q 0 0 0 rg BT 485.46 574.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 512.59 574.25 Td (of ) Tj ET Q q 0 0 0 rg BT 522.58 574.25 Td (American ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (Chartered's ) Tj ET Q q 0 0 0 rg BT 97.34 562.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 124.00 562.25 Td (D ) Tj ET Q q 0 0 0 rg BT 133.44 562.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 172.86 562.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 197.86 562.25 Td (outstanding ) Tj ET Q q 0 0 0 rg BT 246.75 562.25 Td (immediately ) Tj ET Q q 0 0 0 rg BT 298.96 562.25 Td (prior ) Tj ET Q q 0 0 0 rg BT 320.62 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 330.62 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 345.05 562.25 Td (mer) Tj ET Q q 0 0 0 rg BT 360.42 562.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 375.41 562.25 Td (whose ) Tj ET Q q 0 0 0 rg BT 403.18 562.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 434.84 562.25 Td (did ) Tj ET Q q 0 0 0 rg BT 449.84 562.25 Td (not ) Tj ET Q q 0 0 0 rg BT 464.84 562.25 Td (elect ) Tj ET Q q 0 0 0 rg BT 485.94 562.25 Td (to ) Tj ET Q q 0 0 0 rg BT 495.94 562.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 527.02 562.25 Td (the ) Tj ET Q q 0 0 0 rg BT 541.46 562.25 Td (same ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (consideration ) Tj ET Q q 0 0 0 rg BT 105.24 550.25 Td (in ) Tj ET Q q 0 0 0 rg BT 114.39 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 127.98 550.25 Td (Mer) Tj ET Q q 0 0 0 rg BT 144.46 550.25 Td (ger ) Tj ET Q q 0 0 0 rg BT 158.59 550.25 Td (as ) Tj ET Q q 0 0 0 rg BT 168.29 550.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 199.10 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 208.50 550.25 Td (American ) Tj ET Q q 0 0 0 rg BT 249.29 550.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 290.09 550.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 328.68 550.25 Td (Stock, ) Tj ET Q q 0 0 0 rg BT 355.33 550.25 Td (based ) Tj ET Q q 0 0 0 rg BT 379.47 550.25 Td (on ) Tj ET Q q 0 0 0 rg BT 390.84 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 404.42 550.25 Td (number ) Tj ET Q q 0 0 0 rg BT 436.34 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 446.04 550.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 472.40 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 481.80 550.25 Td (American ) Tj ET Q q 0 0 0 rg BT 522.59 550.25 Td (Chartered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (Common ) Tj ET Q q 0 0 0 rg BT 89.31 538.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 114.17 538.25 Td (into ) Tj ET Q q 0 0 0 rg BT 131.81 538.25 Td (which ) Tj ET Q q 0 0 0 rg BT 158.33 538.25 Td (each ) Tj ET Q q 0 0 0 rg BT 178.73 538.25 Td (such ) Tj ET Q q 0 0 0 rg BT 199.14 538.25 Td (share ) Tj ET Q q 0 0 0 rg BT 222.32 538.25 Td (of ) Tj ET Q q 0 0 0 rg BT 232.27 538.25 Td (American ) Tj ET Q q 0 0 0 rg BT 273.78 538.25 Td (Chartered ) Tj ET Q q 0 0 0 rg BT 315.29 538.25 Td (SeriesD ) Tj ET Q q 0 0 0 rg BT 351.53 538.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 390.81 538.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 415.67 538.25 Td (would ) Tj ET Q q 0 0 0 rg BT 442.75 538.25 Td (otherwise ) Tj ET Q q 0 0 0 rg BT 483.71 538.25 Td (then ) Tj ET Q q 0 0 0 rg BT 503.01 538.25 Td (be ) Tj ET Q q 0 0 0 rg BT 514.53 538.25 Td (convertible. ) Tj ET Q q 0 0 0 rg BT 564.51 538.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (Holders ) Tj ET Q q 0 0 0 rg BT 84.00 526.25 Td (of ) Tj ET Q q 0 0 0 rg BT 94.68 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 109.24 526.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 150.46 526.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 177.25 526.25 Td (B ) Tj ET Q q 0 0 0 rg BT 186.26 526.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 225.80 526.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 250.92 526.25 Td (are ) Tj ET Q q 0 0 0 rg BT 265.47 526.25 Td (entitled ) Tj ET Q q 0 0 0 rg BT 297.80 526.25 Td (to ) Tj ET Q q 0 0 0 rg BT 307.92 526.25 Td (receive ) Tj ET Q q 0 0 0 rg BT 339.13 526.25 Td (cumulative ) Tj ET Q q 0 0 0 rg BT 385.90 526.25 Td (cash ) Tj ET Q q 0 0 0 rg BT 406.01 526.25 Td (dividends ) Tj ET Q q 0 0 0 rg BT 447.24 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 459.58 526.25 Td (the ) Tj ET Q q 0 0 0 rg BT 474.14 526.25 Td (liquidation ) Tj ET Q q 0 0 0 rg BT 519.82 526.25 Td (preference ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (amount, ) Tj ET Q q 0 0 0 rg BT 84.99 514.25 Td (which ) Tj ET Q q 0 0 0 rg BT 111.93 514.25 Td (is ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 121.09 514.25 Td ($1,000) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 148.59 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 151.09 514.25 Td (per ) Tj ET Q q 0 0 0 rg BT 166.35 514.25 Td (share, ) Tj ET Q q 0 0 0 rg BT 192.45 514.25 Td (at ) Tj ET Q q 0 0 0 rg BT 202.16 514.25 Td (a ) Tj ET Q q 0 0 0 rg BT 209.10 514.25 Td (rate ) Tj ET Q q 0 0 0 rg BT 226.58 514.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 237.41 514.25 Td (8.00%) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 263.24 514.25 Td ( ) Tj ET Q q 0 0 0 rg BT 265.73 514.25 Td (per ) Tj ET Q q 0 0 0 rg BT 281.00 514.25 Td (annum, ) Tj ET Q q 0 0 0 rg BT 313.21 514.25 Td (have ) Tj ET Q q 0 0 0 rg BT 334.59 514.25 Td (the ) Tj ET Q q 0 0 0 rg BT 349.30 514.25 Td (right ) Tj ET Q q 0 0 0 rg BT 370.68 514.25 Td (to ) Tj ET Q q 0 0 0 rg BT 380.96 514.25 Td (vote ) Tj ET Q q 0 0 0 rg BT 400.67 514.25 Td (on ) Tj ET Q q 0 0 0 rg BT 413.17 514.25 Td (all ) Tj ET Q q 0 0 0 rg BT 425.66 514.25 Td (matters ) Tj ET Q q 0 0 0 rg BT 457.59 514.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 480.09 514.25 Td (which ) Tj ET Q q 0 0 0 rg BT 507.02 514.25 Td (holders ) Tj ET Q q 0 0 0 rg BT 538.96 514.25 Td (of ) Tj ET Q q 0 0 0 rg BT 549.78 514.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 96.52 502.25 Td (common ) Tj ET Q q 0 0 0 rg BT 133.46 502.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 156.51 502.25 Td (are ) Tj ET Q q 0 0 0 rg BT 170.65 502.25 Td (entitled ) Tj ET Q q 0 0 0 rg BT 202.59 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 212.30 502.25 Td (vote ) Tj ET Q q 0 0 0 rg BT 231.46 502.25 Td (and ) Tj ET Q q 0 0 0 rg BT 247.84 502.25 Td (have ) Tj ET Q q 0 0 0 rg BT 268.66 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 282.82 502.25 Td (right ) Tj ET Q q 0 0 0 rg BT 303.65 502.25 Td (to ) Tj ET Q q 0 0 0 rg BT 313.36 502.25 Td (convert ) Tj ET Q q 0 0 0 rg BT 345.29 502.25 Td (each ) Tj ET Q q 0 0 0 rg BT 365.55 502.25 Td (share ) Tj ET Q q 0 0 0 rg BT 388.59 502.25 Td (into ) Tj ET Q q 0 0 0 rg BT 406.08 502.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 433.02 502.25 Td (of ) Tj ET Q q 0 0 0 rg BT 443.29 502.25 Td (the ) Tj ET Q q 0 0 0 rg BT 457.44 502.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 503.96 502.25 Td (common ) Tj ET Q q 0 0 0 rg BT 540.90 502.25 Td (stock ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (at ) Tj ET Q q 0 0 0 rg BT 59.61 490.25 Td (any ) Tj ET Q q 0 0 0 rg BT 76.43 490.25 Td (time. ) Tj ET Q q 0 0 0 rg BT 99.10 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 101.49 490.25 Td (During ) Tj ET Q q 0 0 0 rg BT 132.20 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 146.81 490.25 Td (third ) Tj ET Q q 0 0 0 rg BT 168.09 490.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 198.79 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 209.51 490.25 Td (2016, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 234.40 490.25 Td (400) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 249.40 490.25 Td ( ) Tj ET Q q 0 0 0 rg BT 251.79 490.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 279.17 490.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.89 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 304.49 490.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 345.77 490.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 372.60 490.25 Td (B ) Tj ET Q q 0 0 0 rg BT 381.66 490.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 421.24 490.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 444.74 490.25 Td (were ) Tj ET Q q 0 0 0 rg BT 466.56 490.25 Td (converted ) Tj ET Q q 0 0 0 rg BT 508.37 490.25 Td (into ) Tj ET Q q 0 0 0 rg BT 526.32 490.25 Td (shares ) Tj ET Q q 0 0 0 rg BT 553.70 490.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (the ) Tj ET Q q 0 0 0 rg BT 64.63 478.25 Td (Company's ) Tj ET Q q 0 0 0 rg BT 111.62 478.25 Td (common ) Tj ET Q q 0 0 0 rg BT 149.02 478.25 Td (stock. ) Tj ET Q q 0 0 0 rg BT 175.04 478.25 Td ( ) Tj ET Q q 0 0 0 rg BT 177.27 478.25 Td (The ) Tj ET Q q 0 0 0 rg BT 195.23 478.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 236.53 478.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 263.38 478.25 Td (B ) Tj ET Q q 0 0 0 rg BT 272.46 478.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 312.06 478.25 Td (stock ) Tj ET Q q 0 0 0 rg BT 335.58 478.25 Td (has ) Tj ET Q q 0 0 0 rg BT 351.32 478.25 Td (a ) Tj ET Q q 0 0 0 rg BT 358.17 478.25 Td (mandatory ) Tj ET Q q 0 0 0 rg BT 403.34 478.25 Td (conversion ) Tj ET Q q 0 0 0 rg BT 449.63 478.25 Td (date ) Tj ET Q q 0 0 0 rg BT 468.69 478.25 Td (of ) Tj ET Q q 0 0 0 rg BT 479.43 478.25 Td (September ) Tj ET Q q 0 0 0 rg BT 524.61 478.25 Td (20, ) Tj ET Q q 0 0 0 rg BT 539.52 478.25 Td (2017. ) Tj ET Q q 0 0 0 rg BT 564.52 478.25 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (The ) Tj ET Q q 0 0 0 rg BT 68.05 466.25 Td (Company ) Tj ET Q q 0 0 0 rg BT 109.43 466.25 Td (Series ) Tj ET Q q 0 0 0 rg BT 136.37 466.25 Td (B ) Tj ET Q q 0 0 0 rg BT 145.54 466.25 Td (Preferred ) Tj ET Q q 0 0 0 rg BT 185.24 466.25 Td (Stock ) Tj ET Q q 0 0 0 rg BT 210.52 466.25 Td (is ) Tj ET Q q 0 0 0 rg BT 219.69 466.25 Td (included ) Tj ET Q q 0 0 0 rg BT 256.62 466.25 Td (in ) Tj ET Q q 0 0 0 rg BT 266.72 466.25 Td (T) Tj ET Q q 0 0 0 rg BT 272.48 466.25 Td (ier ) Tj ET Q q 0 0 0 rg BT 285.52 466.25 Td (2 ) Tj ET Q q 0 0 0 rg BT 293.02 466.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 322.17 466.25 Td (for ) Tj ET Q q 0 0 0 rg BT 336.33 466.25 Td (regulatory ) Tj ET Q q 0 0 0 rg BT 379.93 466.25 Td (capital ) Tj ET Q q 0 0 0 rg BT 409.08 466.25 Td (purposes.) Tj ET Q endstream endobj 289 0 obj <> endobj 290 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (144) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 742.25 Td (Item 9. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 742.25 Td ( Changes in and Disagr) Tj ET Q q 0 0 0 rg BT 223.79 742.25 Td (eements with ) Tj ET Q q 0 0 0 rg BT 281.56 742.25 Td (Accountants on ) Tj ET Q q 0 0 0 rg BT 349.90 742.25 Td (Accounting and Financial Disclosur) Tj ET Q q 0 0 0 rg BT 502.24 742.25 Td (e) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 730.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.25 Td (Not applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 706.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 694.25 Td (Item 9A. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 694.25 Td ( Contr) Tj ET Q q 0 0 0 rg BT 152.37 694.25 Td (ols and Pr) Tj ET Q q 0 0 0 rg BT 195.53 694.25 Td (ocedur) Tj ET Q q 0 0 0 rg BT 224.79 694.25 Td (es) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.25 Td (a\) ) 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 90.01708984375 668.9169921875 m 288.994140625 668.9169921875 l s q 0 0 0 rg BT 90.02 670.25 Td (Evaluation ) Tj ET Q q 0 0 0 rg BT 135.59 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.16 670.25 Td (Disclosure ) Tj ET Q q 0 0 0 rg BT 191.18 670.25 Td (Controls ) Tj ET Q q 0 0 0 rg BT 227.88 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 244.57 670.25 Td (Procedures) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 288.99 670.25 Td (: ) Tj ET Q q 0 0 0 rg BT 293.52 670.25 Td (An ) Tj ET Q q 0 0 0 rg BT 308.00 670.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 351.89 670.25 Td (of ) Tj ET Q q 0 0 0 rg BT 362.47 670.25 Td (our ) Tj ET Q q 0 0 0 rg BT 378.05 670.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 420.85 670.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 455.31 670.25 Td (and ) Tj ET Q q 0 0 0 rg BT 472.00 670.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 518.11 670.25 Td (\(as ) Tj ET Q q 0 0 0 rg BT 532.02 670.25 Td (defined ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.25 Td (in ) Tj ET Q q 0 0 0 rg BT 60.90 658.25 Td (Rule13a-15\(e\)under ) Tj ET Q q 0 0 0 rg BT 149.55 658.25 Td (the ) Tj ET Q q 0 0 0 rg BT 164.89 658.25 Td (Securities ) Tj ET Q q 0 0 0 rg BT 207.44 658.25 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 249.30 658.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 266.86 658.25 Td (of ) Tj ET Q q 0 0 0 rg BT 278.31 658.25 Td (1934 ) Tj ET Q q 0 0 0 rg BT 301.44 658.25 Td (\(the ) Tj ET Q q 0 0 0 rg BT 320.10 658.25 Td (Act\)\) ) Tj ET Q q 0 0 0 rg BT 353.20 658.25 Td (was ) Tj ET Q q 0 0 0 rg BT 371.88 658.25 Td (carried ) Tj ET Q q 0 0 0 rg BT 402.75 658.25 Td (out ) Tj ET Q q 0 0 0 rg BT 418.65 658.25 Td (as ) Tj ET Q q 0 0 0 rg BT 430.11 658.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 441.56 658.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 500.77 658.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 520.77 658.25 Td ( ) Tj ET Q q 0 0 0 rg BT 523.89 658.25 Td (under ) Tj ET Q q 0 0 0 rg BT 549.78 658.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 646.25 Td (supervision ) Tj ET Q q 0 0 0 rg BT 98.70 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 115.72 646.25 Td (with ) Tj ET Q q 0 0 0 rg BT 136.09 646.25 Td (the ) Tj ET Q q 0 0 0 rg BT 150.89 646.25 Td (participation ) Tj ET Q q 0 0 0 rg BT 204.01 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 214.93 646.25 Td (our ) Tj ET Q q 0 0 0 rg BT 230.85 646.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 255.65 646.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 298.22 646.25 Td (Of) Tj ET Q q 0 0 0 rg BT 308.59 646.25 Td (ficer) Tj ET Q q 0 0 0 rg BT 326.50 646.25 Td (, ) Tj ET Q q 0 0 0 rg BT 331.59 646.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 356.40 646.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 396.19 646.25 Td (Of) Tj ET Q q 0 0 0 rg BT 406.57 646.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 427.47 646.25 Td (and ) Tj ET Q q 0 0 0 rg BT 444.49 646.25 Td (several ) Tj ET Q q 0 0 0 rg BT 475.40 646.25 Td (other ) Tj ET Q q 0 0 0 rg BT 498.53 646.25 Td (members ) Tj ET Q q 0 0 0 rg BT 537.77 646.25 Td (of ) Tj ET Q q 0 0 0 rg BT 548.69 646.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 634.25 Td (senior ) Tj ET Q q 0 0 0 rg BT 77.90 634.25 Td (management. ) Tj ET Q q 0 0 0 rg BT 137.44 634.25 Td (Our ) Tj ET Q q 0 0 0 rg BT 156.45 634.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 182.13 634.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 225.57 634.25 Td (Of) Tj ET Q q 0 0 0 rg BT 235.94 634.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 257.71 634.25 Td (and ) Tj ET Q q 0 0 0 rg BT 275.61 634.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 301.29 634.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 341.96 634.25 Td (Of) Tj ET Q q 0 0 0 rg BT 352.33 634.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 374.10 634.25 Td (concluded ) Tj ET Q q 0 0 0 rg BT 418.65 634.25 Td (that, ) Tj ET Q q 0 0 0 rg BT 439.61 634.25 Td (as ) Tj ET Q q 0 0 0 rg BT 451.40 634.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 463.18 634.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 522.73 634.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 542.73 634.25 Td (, ) Tj ET Q q 0 0 0 rg BT 548.69 634.25 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 93.36 622.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 128.39 622.25 Td (and ) Tj ET Q q 0 0 0 rg BT 145.65 622.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 192.33 622.25 Td (were ) Tj ET Q q 0 0 0 rg BT 214.57 622.25 Td (ef) Tj ET Q q 0 0 0 rg BT 222.16 622.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 252.18 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 262.77 622.25 Td (ensuring ) Tj ET Q q 0 0 0 rg BT 300.02 622.25 Td (that ) Tj ET Q q 0 0 0 rg BT 317.83 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 332.87 622.25 Td (information ) Tj ET Q q 0 0 0 rg BT 382.89 622.25 Td (we ) Tj ET Q q 0 0 0 rg BT 397.37 622.25 Td (are ) Tj ET Q q 0 0 0 rg BT 412.39 622.25 Td (required ) Tj ET Q q 0 0 0 rg BT 448.52 622.25 Td (to ) Tj ET Q q 0 0 0 rg BT 459.11 622.25 Td (disclose ) Tj ET Q q 0 0 0 rg BT 494.15 622.25 Td (in ) Tj ET Q q 0 0 0 rg BT 504.74 622.25 Td (the ) Tj ET Q q 0 0 0 rg BT 519.77 622.25 Td (reports ) Tj ET Q q 0 0 0 rg BT 550.35 622.25 Td (we ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.25 Td (file ) Tj ET Q q 0 0 0 rg BT 65.60 610.25 Td (or ) Tj ET Q q 0 0 0 rg BT 76.20 610.25 Td (submit ) Tj ET Q q 0 0 0 rg BT 105.70 610.25 Td (under ) Tj ET Q q 0 0 0 rg BT 130.74 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 144.73 610.25 Td (Act ) Tj ET Q q 0 0 0 rg BT 161.44 610.25 Td (is ) Tj ET Q q 0 0 0 rg BT 170.38 610.25 Td (\(i\)accumulated ) Tj ET Q q 0 0 0 rg BT 235.12 610.25 Td (and ) Tj ET Q q 0 0 0 rg BT 251.83 610.25 Td (communicated ) Tj ET Q q 0 0 0 rg BT 312.98 610.25 Td (to ) Tj ET Q q 0 0 0 rg BT 323.03 610.25 Td (our ) Tj ET Q q 0 0 0 rg BT 338.63 610.25 Td (management ) Tj ET Q q 0 0 0 rg BT 391.99 610.25 Td (\(including ) Tj ET Q q 0 0 0 rg BT 435.37 610.25 Td (the ) Tj ET Q q 0 0 0 rg BT 449.86 610.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 474.35 610.25 Td (Executive ) Tj ET Q q 0 0 0 rg BT 516.60 610.25 Td (Of) Tj ET Q q 0 0 0 rg BT 526.97 610.25 Td (ficer ) Tj ET Q q 0 0 0 rg BT 547.56 610.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.25 Td (Chief ) Tj ET Q q 0 0 0 rg BT 75.16 598.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 115.32 598.25 Td (Of) Tj ET Q q 0 0 0 rg BT 125.69 598.25 Td (ficer\) ) Tj ET Q q 0 0 0 rg BT 150.29 598.25 Td (to ) Tj ET Q q 0 0 0 rg BT 161.01 598.25 Td (allow ) Tj ET Q q 0 0 0 rg BT 186.17 598.25 Td (timely ) Tj ET Q q 0 0 0 rg BT 214.67 598.25 Td (decisions ) Tj ET Q q 0 0 0 rg BT 254.84 598.25 Td (regarding ) Tj ET Q q 0 0 0 rg BT 296.10 598.25 Td (required ) Tj ET Q q 0 0 0 rg BT 332.36 598.25 Td (disclosure, ) Tj ET Q q 0 0 0 rg BT 378.35 598.25 Td (and ) Tj ET Q q 0 0 0 rg BT 395.74 598.25 Td (\(ii\)recorded, ) Tj ET Q q 0 0 0 rg BT 450.88 598.25 Td (processed, ) Tj ET Q q 0 0 0 rg BT 495.75 598.25 Td (summarized ) Tj ET Q q 0 0 0 rg BT 547.57 598.25 Td (and ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 586.25 Td (reported ) Tj ET Q q 0 0 0 rg BT 85.82 586.25 Td (within ) Tj ET Q q 0 0 0 rg BT 113.87 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 128.59 586.25 Td (time ) Tj ET Q q 0 0 0 rg BT 148.86 586.25 Td (periods ) Tj ET Q q 0 0 0 rg BT 180.80 586.25 Td (specified ) Tj ET Q q 0 0 0 rg BT 219.39 586.25 Td (in ) Tj ET Q q 0 0 0 rg BT 229.67 586.25 Td (the ) Tj ET Q q 0 0 0 rg BT 244.39 586.25 Td (SEC) Tj ET Q q 0 0 0 rg BT 265.51 586.25 Td (s ) Tj ET Q q 0 0 0 rg BT 271.90 586.25 Td (rulesand ) Tj ET Q q 0 0 0 rg BT 310.78 586.25 Td (forms.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 574.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 562.25 Td (b\) ) 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 86.11962890625 560.9169921875 m 392.1953125 560.9169921875 l s q 0 0 0 rg BT 86.12 562.25 Td (Management) Tj ET Q q 0 0 0 rg BT 141.10 562.25 Td (s ) Tj ET Q q 0 0 0 rg BT 147.17 562.25 Td (Annual ) Tj ET Q q 0 0 0 rg BT 179.39 562.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 209.40 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 222.19 562.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 256.07 562.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 289.42 562.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 312.20 562.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 352.20 562.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 392.20 562.25 Td (: ) Tj ET Q q 0 0 0 rg BT 397.56 562.25 Td (The ) Tj ET Q q 0 0 0 rg BT 415.90 562.25 Td (annual ) Tj ET Q q 0 0 0 rg BT 445.34 562.25 Td (report ) Tj ET Q q 0 0 0 rg BT 472.01 562.25 Td (of ) Tj ET Q q 0 0 0 rg BT 483.13 562.25 Td (management ) Tj ET Q q 0 0 0 rg BT 537.01 562.25 Td (on ) Tj ET Q q 0 0 0 rg BT 549.80 562.25 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.25 Td (ef) Tj ET Q q 0 0 0 rg BT 57.59 550.25 Td (fectiveness ) Tj ET Q q 0 0 0 rg BT 103.88 550.25 Td (of ) Tj ET Q q 0 0 0 rg BT 114.08 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 129.29 550.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 161.70 550.25 Td (control ) Tj ET Q q 0 0 0 rg BT 191.90 550.25 Td (over ) Tj ET Q q 0 0 0 rg BT 211.54 550.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 248.39 550.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 286.92 550.25 Td (and ) Tj ET Q q 0 0 0 rg BT 303.23 550.25 Td (the ) Tj ET Q q 0 0 0 rg BT 317.31 550.25 Td (attestation ) Tj ET Q q 0 0 0 rg BT 360.28 550.25 Td (report ) Tj ET Q q 0 0 0 rg BT 386.03 550.25 Td (thereon ) Tj ET Q q 0 0 0 rg BT 417.89 550.25 Td (issued ) Tj ET Q q 0 0 0 rg BT 444.76 550.25 Td (by ) Tj ET Q q 0 0 0 rg BT 456.63 550.25 Td (our ) Tj ET Q q 0 0 0 rg BT 471.83 550.25 Td (independent ) Tj ET Q q 0 0 0 rg BT 522.58 550.25 Td (registered ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.25 Td (public ) Tj ET Q q 0 0 0 rg BT 77.48 538.25 Td (accounting ) Tj ET Q q 0 0 0 rg BT 123.83 538.25 Td (firm ) Tj ET Q q 0 0 0 rg BT 143.53 538.25 Td (are ) Tj ET Q q 0 0 0 rg BT 158.21 538.25 Td (set ) Tj ET Q q 0 0 0 rg BT 171.80 538.25 Td (forth ) Tj ET Q q 0 0 0 rg BT 193.72 538.25 Td (under ) Tj ET Q q 0 0 0 rg BT 218.97 538.25 Td (Management) Tj ET Q q 0 0 0 rg BT 278.39 538.25 Td (s ) Tj ET Q q 0 0 0 rg BT 284.76 538.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 314.46 538.25 Td (on ) Tj ET Q q 0 0 0 rg BT 326.94 538.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 360.51 538.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 393.55 538.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 416.02 538.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 455.71 538.25 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 502.63 538.25 Td (and ) Tj ET Q q 0 0 0 rg BT 519.55 538.25 Td (Report ) Tj ET Q q 0 0 0 rg BT 553.68 538.25 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 526.25 Td (Independent ) Tj ET Q q 0 0 0 rg BT 100.98 526.25 Td (Registered ) Tj ET Q q 0 0 0 rg BT 145.30 526.25 Td (Public ) Tj ET Q q 0 0 0 rg BT 172.06 526.25 Td (Accounting ) Tj ET Q q 0 0 0 rg BT 220.27 526.25 Td (Firm ) Tj ET Q q 0 0 0 rg BT 241.28 526.25 Td (on ) Tj ET Q q 0 0 0 rg BT 252.83 526.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 285.48 526.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 317.59 526.25 Td (over ) Tj ET Q q 0 0 0 rg BT 336.91 526.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 375.68 526.25 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 421.67 526.25 Td (under ) Tj ET Q q 0 0 0 rg BT 445.99 526.25 Td (Item ) Tj ET Q q 0 0 0 rg BT 470.31 526.25 Td (8. ) Tj ET Q q 0 0 0 rg BT 479.36 526.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 518.13 526.25 Td (Statements ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 514.25 Td (and ) Tj ET Q q 0 0 0 rg BT 66.94 514.25 Td (Supplementary ) Tj ET Q q 0 0 0 rg BT 129.98 514.25 Td (Data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 502.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 490.25 Td (c\) ) 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 84.6923828125 488.9169921875 m 297.2998046875 488.9169921875 l s q 0 0 0 rg BT 84.69 490.25 Td (Changes ) Tj ET Q q 0 0 0 rg BT 121.05 490.25 Td (in ) Tj ET Q q 0 0 0 rg BT 130.76 490.25 Td (Internal ) Tj ET Q q 0 0 0 rg BT 163.77 490.25 Td (Control ) Tj ET Q q 0 0 0 rg BT 196.25 490.25 Td (Over ) Tj ET Q q 0 0 0 rg BT 218.17 490.25 Td (Financial ) Tj ET Q q 0 0 0 rg BT 257.30 490.25 Td (Reporting) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 297.30 490.25 Td (: ) Tj ET Q q 0 0 0 rg BT 302.00 490.25 Td (During ) Tj ET Q q 0 0 0 rg BT 332.26 490.25 Td (the ) Tj ET Q q 0 0 0 rg BT 346.40 490.25 Td (quarter ) Tj ET Q q 0 0 0 rg BT 376.64 490.25 Td (ended ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 402.44 490.25 Td (December31, ) Tj ET Q q 0 0 0 rg BT 460.44 490.25 Td (2016) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 480.44 490.25 Td (, ) Tj ET Q q 0 0 0 rg BT 484.87 490.25 Td (no ) Tj ET Q q 0 0 0 rg BT 496.79 490.25 Td (change ) Tj ET Q q 0 0 0 rg BT 527.03 490.25 Td (occurred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 478.25 Td (in ) Tj ET Q q 0 0 0 rg BT 59.93 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 75.42 478.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 108.11 478.25 Td (control ) Tj ET Q q 0 0 0 rg BT 138.59 478.25 Td (over ) Tj ET Q q 0 0 0 rg BT 158.51 478.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 195.64 478.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 234.45 478.25 Td (that ) Tj ET Q q 0 0 0 rg BT 251.60 478.25 Td (has ) Tj ET Q q 0 0 0 rg BT 267.08 478.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 309.78 478.25 Td (af) Tj ET Q q 0 0 0 rg BT 317.36 478.25 Td (fected, ) Tj ET Q q 0 0 0 rg BT 346.44 478.25 Td (or ) Tj ET Q q 0 0 0 rg BT 356.92 478.25 Td (is ) Tj ET Q q 0 0 0 rg BT 365.75 478.25 Td (reasonably ) Tj ET Q q 0 0 0 rg BT 411.22 478.25 Td (likely ) Tj ET Q q 0 0 0 rg BT 436.14 478.25 Td (to ) Tj ET Q q 0 0 0 rg BT 446.07 478.25 Td (materially ) Tj ET Q q 0 0 0 rg BT 488.76 478.25 Td (af) Tj ET Q q 0 0 0 rg BT 496.35 478.25 Td (fect, ) Tj ET Q q 0 0 0 rg BT 515.99 478.25 Td (our ) Tj ET Q q 0 0 0 rg BT 531.47 478.25 Td (internal ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 466.25 Td (control ) Tj ET Q q 0 0 0 rg BT 80.83 466.25 Td (over ) Tj ET Q q 0 0 0 rg BT 101.09 466.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 138.57 466.25 Td (reporting.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 454.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 442.25 Td (W) Tj ET Q q 0 0 0 rg BT 94.64 442.25 Td (e ) Tj ET Q q 0 0 0 rg BT 101.81 442.25 Td (do ) Tj ET Q q 0 0 0 rg BT 114.54 442.25 Td (not ) Tj ET Q q 0 0 0 rg BT 130.04 442.25 Td (expect ) Tj ET Q q 0 0 0 rg BT 158.87 442.25 Td (that ) Tj ET Q q 0 0 0 rg BT 176.59 442.25 Td (our ) Tj ET Q q 0 0 0 rg BT 192.65 442.25 Td (disclosure ) Tj ET Q q 0 0 0 rg BT 235.93 442.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 270.87 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 288.04 442.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 334.64 442.25 Td (and ) Tj ET Q q 0 0 0 rg BT 351.81 442.25 Td (internal ) Tj ET Q q 0 0 0 rg BT 385.08 442.25 Td (control ) Tj ET Q q 0 0 0 rg BT 416.13 442.25 Td (over ) Tj ET Q q 0 0 0 rg BT 436.63 442.25 Td (financial ) Tj ET Q q 0 0 0 rg BT 474.34 442.25 Td (reporting ) Tj ET Q q 0 0 0 rg BT 513.72 442.25 Td (will ) Tj ET Q q 0 0 0 rg BT 532.01 442.25 Td (prevent ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 430.25 Td (all ) Tj ET Q q 0 0 0 rg BT 61.82 430.25 Td (error ) Tj ET Q q 0 0 0 rg BT 83.08 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 99.34 430.25 Td (all ) Tj ET Q q 0 0 0 rg BT 111.16 430.25 Td (fraud.) Tj ET Q q 0 0 0 rg BT 139.21 430.25 Td (A) Tj ET Q q 0 0 0 rg BT 145.88 430.25 Td ( ) Tj ET Q q 0 0 0 rg BT 147.71 430.25 Td (control ) Tj ET Q q 0 0 0 rg BT 177.86 430.25 Td (procedure, ) Tj ET Q q 0 0 0 rg BT 222.16 430.25 Td (no ) Tj ET Q q 0 0 0 rg BT 233.98 430.25 Td (matter ) Tj ET Q q 0 0 0 rg BT 261.35 430.25 Td (how ) Tj ET Q q 0 0 0 rg BT 280.40 430.25 Td (well ) Tj ET Q q 0 0 0 rg BT 299.44 430.25 Td (conceived ) Tj ET Q q 0 0 0 rg BT 341.80 430.25 Td (and ) Tj ET Q q 0 0 0 rg BT 358.07 430.25 Td (operated, ) Tj ET Q q 0 0 0 rg BT 396.82 430.25 Td (can ) Tj ET Q q 0 0 0 rg BT 412.52 430.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 444.89 430.25 Td (only ) Tj ET Q q 0 0 0 rg BT 464.50 430.25 Td (reasonable, ) Tj ET Q q 0 0 0 rg BT 511.58 430.25 Td (not ) Tj ET Q q 0 0 0 rg BT 526.18 430.25 Td (absolute, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 418.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.64 418.25 Td (that ) Tj ET Q q 0 0 0 rg BT 109.41 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 124.41 418.25 Td (objectives ) Tj ET Q q 0 0 0 rg BT 167.72 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 178.83 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 193.82 418.25 Td (control ) Tj ET Q q 0 0 0 rg BT 224.92 418.25 Td (procedure ) Tj ET Q q 0 0 0 rg BT 267.68 418.25 Td (are ) Tj ET Q q 0 0 0 rg BT 282.66 418.25 Td (met.Because ) Tj ET Q q 0 0 0 rg BT 341.25 418.25 Td (of ) Tj ET Q q 0 0 0 rg BT 352.35 418.25 Td (the ) Tj ET Q q 0 0 0 rg BT 367.34 418.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 402.88 418.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 448.44 418.25 Td (in ) Tj ET Q q 0 0 0 rg BT 458.99 418.25 Td (all ) Tj ET Q q 0 0 0 rg BT 471.76 418.25 Td (control ) Tj ET Q q 0 0 0 rg BT 502.86 418.25 Td (procedures, ) Tj ET Q q 0 0 0 rg BT 552.01 418.25 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 406.25 Td (evaluation ) Tj ET Q q 0 0 0 rg BT 94.49 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 105.65 406.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 140.71 406.25 Td (can ) Tj ET Q q 0 0 0 rg BT 157.42 406.25 Td (provide ) Tj ET Q q 0 0 0 rg BT 190.81 406.25 Td (absolute ) Tj ET Q q 0 0 0 rg BT 226.97 406.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 268.67 406.25 Td (that ) Tj ET Q q 0 0 0 rg BT 286.50 406.25 Td (all ) Tj ET Q q 0 0 0 rg BT 299.34 406.25 Td (control ) Tj ET Q q 0 0 0 rg BT 330.50 406.25 Td (issues ) Tj ET Q q 0 0 0 rg BT 357.23 406.25 Td (and ) Tj ET Q q 0 0 0 rg BT 374.50 406.25 Td (instances ) Tj ET Q q 0 0 0 rg BT 413.99 406.25 Td (of ) Tj ET Q q 0 0 0 rg BT 425.16 406.25 Td (fraud, ) Tj ET Q q 0 0 0 rg BT 451.60 406.25 Td (if ) Tj ET Q q 0 0 0 rg BT 460.54 406.25 Td (any) Tj ET Q q 0 0 0 rg BT 474.33 406.25 Td (, ) Tj ET Q q 0 0 0 rg BT 479.67 406.25 Td (within ) Tj ET Q q 0 0 0 rg BT 508.06 406.25 Td (the ) Tj ET Q q 0 0 0 rg BT 523.12 406.25 Td (Company ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 394.25 Td (have ) Tj ET Q q 0 0 0 rg BT 72.12 394.25 Td (been ) Tj ET Q q 0 0 0 rg BT 94.24 394.25 Td (detected.) Tj ET Q q 0 0 0 rg BT 134.87 394.25 Td (These ) Tj ET Q q 0 0 0 rg BT 161.99 394.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 198.00 394.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 244.02 394.25 Td (include ) Tj ET Q q 0 0 0 rg BT 276.70 394.25 Td (the ) Tj ET Q q 0 0 0 rg BT 292.16 394.25 Td (realities ) Tj ET Q q 0 0 0 rg BT 327.05 394.25 Td (that ) Tj ET Q q 0 0 0 rg BT 345.29 394.25 Td (judgments ) Tj ET Q q 0 0 0 rg BT 390.20 394.25 Td (in ) Tj ET Q q 0 0 0 rg BT 401.22 394.25 Td (decision-making ) Tj ET Q q 0 0 0 rg BT 471.12 394.25 Td (can ) Tj ET Q q 0 0 0 rg BT 488.24 394.25 Td (be ) Tj ET Q q 0 0 0 rg BT 500.92 394.25 Td (faulty) Tj ET Q q 0 0 0 rg BT 523.59 394.25 Td (, ) Tj ET Q q 0 0 0 rg BT 529.34 394.25 Td (and ) Tj ET Q q 0 0 0 rg BT 547.02 394.25 Td (that ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 382.25 Td (breakdowns ) Tj ET Q q 0 0 0 rg BT 100.86 382.25 Td (in ) Tj ET Q q 0 0 0 rg BT 111.17 382.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 145.93 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 156.80 382.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 203.20 382.25 Td (can ) Tj ET Q q 0 0 0 rg BT 219.62 382.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 244.36 382.25 Td (because ) Tj ET Q q 0 0 0 rg BT 278.55 382.25 Td (of ) Tj ET Q q 0 0 0 rg BT 289.42 382.25 Td (simple ) Tj ET Q q 0 0 0 rg BT 318.62 382.25 Td (error ) Tj ET Q q 0 0 0 rg BT 340.58 382.25 Td (or ) Tj ET Q q 0 0 0 rg BT 351.45 382.25 Td (mistake.) Tj ET Q q 0 0 0 rg BT 389.50 382.25 Td (Additionally) Tj ET Q q 0 0 0 rg BT 439.41 382.25 Td (, ) Tj ET Q q 0 0 0 rg BT 444.45 382.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 479.20 382.25 Td (can ) Tj ET Q q 0 0 0 rg BT 495.62 382.25 Td (be ) Tj ET Q q 0 0 0 rg BT 507.59 382.25 Td (circumvented ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 370.25 Td (by ) Tj ET Q q 0 0 0 rg BT 62.03 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 76.27 370.25 Td (individual ) Tj ET Q q 0 0 0 rg BT 118.85 370.25 Td (acts ) Tj ET Q q 0 0 0 rg BT 136.43 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 146.79 370.25 Td (some ) Tj ET Q q 0 0 0 rg BT 169.93 370.25 Td (persons, ) Tj ET Q q 0 0 0 rg BT 205.01 370.25 Td (by ) Tj ET Q q 0 0 0 rg BT 217.04 370.25 Td (collusion ) Tj ET Q q 0 0 0 rg BT 255.73 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 266.09 370.25 Td (two ) Tj ET Q q 0 0 0 rg BT 283.12 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 293.48 370.25 Td (more ) Tj ET Q q 0 0 0 rg BT 316.05 370.25 Td (people, ) Tj ET Q q 0 0 0 rg BT 347.24 370.25 Td (or ) Tj ET Q q 0 0 0 rg BT 357.60 370.25 Td (by ) Tj ET Q q 0 0 0 rg BT 369.62 370.25 Td (management ) Tj ET Q q 0 0 0 rg BT 422.74 370.25 Td (override ) Tj ET Q q 0 0 0 rg BT 458.09 370.25 Td (of ) Tj ET Q q 0 0 0 rg BT 468.44 370.25 Td (the ) Tj ET Q q 0 0 0 rg BT 482.69 370.25 Td (control.) Tj ET Q q 0 0 0 rg BT 518.33 370.25 Td (The ) Tj ET Q q 0 0 0 rg BT 535.91 370.25 Td (design ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 60.71 358.25 Td (any ) Tj ET Q q 0 0 0 rg BT 77.54 358.25 Td (control ) Tj ET Q q 0 0 0 rg BT 108.25 358.25 Td (procedure ) Tj ET Q q 0 0 0 rg BT 150.61 358.25 Td (also ) Tj ET Q q 0 0 0 rg BT 169.10 358.25 Td (is ) Tj ET Q q 0 0 0 rg BT 178.15 358.25 Td (based ) Tj ET Q q 0 0 0 rg BT 203.31 358.25 Td (in ) Tj ET Q q 0 0 0 rg BT 213.47 358.25 Td (part ) Tj ET Q q 0 0 0 rg BT 231.40 358.25 Td (upon ) Tj ET Q q 0 0 0 rg BT 253.78 358.25 Td (certain ) Tj ET Q q 0 0 0 rg BT 283.37 358.25 Td (assumptions ) Tj ET Q q 0 0 0 rg BT 335.20 358.25 Td (about ) Tj ET Q q 0 0 0 rg BT 359.80 358.25 Td (the ) Tj ET Q q 0 0 0 rg BT 374.41 358.25 Td (likelihood ) Tj ET Q q 0 0 0 rg BT 417.34 358.25 Td (of ) Tj ET Q q 0 0 0 rg BT 428.06 358.25 Td (future ) Tj ET Q q 0 0 0 rg BT 454.32 358.25 Td (events, ) Tj ET Q q 0 0 0 rg BT 484.75 358.25 Td (and ) Tj ET Q q 0 0 0 rg BT 501.57 358.25 Td (there ) Tj ET Q q 0 0 0 rg BT 523.94 358.25 Td (can ) Tj ET Q q 0 0 0 rg BT 540.20 358.25 Td (be ) Tj ET Q q 0 0 0 rg BT 552.02 358.25 Td (no ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 346.25 Td (assurance ) Tj ET Q q 0 0 0 rg BT 91.31 346.25 Td (that ) Tj ET Q q 0 0 0 rg BT 108.74 346.25 Td (any ) Tj ET Q q 0 0 0 rg BT 125.61 346.25 Td (design ) Tj ET Q q 0 0 0 rg BT 154.16 346.25 Td (will ) Tj ET Q q 0 0 0 rg BT 172.16 346.25 Td (succeed ) Tj ET Q q 0 0 0 rg BT 206.24 346.25 Td (in ) Tj ET Q q 0 0 0 rg BT 216.46 346.25 Td (achieving ) Tj ET Q q 0 0 0 rg BT 257.77 346.25 Td (its ) Tj ET Q q 0 0 0 rg BT 269.65 346.25 Td (stated ) Tj ET Q q 0 0 0 rg BT 295.42 346.25 Td (goals ) Tj ET Q q 0 0 0 rg BT 318.96 346.25 Td (under ) Tj ET Q q 0 0 0 rg BT 344.17 346.25 Td (all ) Tj ET Q q 0 0 0 rg BT 356.60 346.25 Td (potential ) Tj ET Q q 0 0 0 rg BT 394.03 346.25 Td (future ) Tj ET Q q 0 0 0 rg BT 420.34 346.25 Td (conditions; ) Tj ET Q q 0 0 0 rg BT 467.23 346.25 Td (over ) Tj ET Q q 0 0 0 rg BT 487.43 346.25 Td (time, ) Tj ET Q q 0 0 0 rg BT 510.14 346.25 Td (controls ) Tj ET Q q 0 0 0 rg BT 544.80 346.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 334.25 Td (become ) Tj ET Q q 0 0 0 rg BT 85.88 334.25 Td (inadequate ) Tj ET Q q 0 0 0 rg BT 133.97 334.25 Td (because ) Tj ET Q q 0 0 0 rg BT 170.41 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 183.52 334.25 Td (changes ) Tj ET Q q 0 0 0 rg BT 220.51 334.25 Td (in ) Tj ET Q q 0 0 0 rg BT 233.08 334.25 Td (conditions, ) Tj ET Q q 0 0 0 rg BT 282.03 334.25 Td (or ) Tj ET Q q 0 0 0 rg BT 295.14 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 312.14 334.25 Td (degree ) Tj ET Q q 0 0 0 rg BT 343.57 334.25 Td (of ) Tj ET Q q 0 0 0 rg BT 356.69 334.25 Td (compliance ) Tj ET Q q 0 0 0 rg BT 407.56 334.25 Td (with ) Tj ET Q q 0 0 0 rg BT 430.13 334.25 Td (the ) Tj ET Q q 0 0 0 rg BT 447.13 334.25 Td (policies ) Tj ET Q q 0 0 0 rg BT 483.02 334.25 Td (or ) Tj ET Q q 0 0 0 rg BT 496.13 334.25 Td (procedures ) Tj ET Q q 0 0 0 rg BT 544.79 334.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 322.25 Td (deteriorate.Because ) Tj ET Q q 0 0 0 rg BT 136.70 322.25 Td (of ) Tj ET Q q 0 0 0 rg BT 148.16 322.25 Td (the ) Tj ET Q q 0 0 0 rg BT 163.52 322.25 Td (inherent ) Tj ET Q q 0 0 0 rg BT 199.41 322.25 Td (limitations ) Tj ET Q q 0 0 0 rg BT 245.33 322.25 Td (in ) Tj ET Q q 0 0 0 rg BT 256.24 322.25 Td (a ) Tj ET Q q 0 0 0 rg BT 263.81 322.25 Td (cost-ef) Tj ET Q q 0 0 0 rg BT 290.84 322.25 Td (fective ) Tj ET Q q 0 0 0 rg BT 321.18 322.25 Td (control ) Tj ET Q q 0 0 0 rg BT 352.64 322.25 Td (procedure, ) Tj ET Q q 0 0 0 rg BT 398.25 322.25 Td (misstatements ) Tj ET Q q 0 0 0 rg BT 458.04 322.25 Td (due ) Tj ET Q q 0 0 0 rg BT 475.62 322.25 Td (to ) Tj ET Q q 0 0 0 rg BT 486.53 322.25 Td (error ) Tj ET Q q 0 0 0 rg BT 509.09 322.25 Td (or ) Tj ET Q q 0 0 0 rg BT 520.56 322.25 Td (fraud ) Tj ET Q q 0 0 0 rg BT 544.79 322.25 Td (may ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 310.25 Td (occur ) Tj ET Q q 0 0 0 rg BT 74.71 310.25 Td (and ) Tj ET Q q 0 0 0 rg BT 91.65 310.25 Td (not ) Tj ET Q q 0 0 0 rg BT 106.92 310.25 Td (be ) Tj ET Q q 0 0 0 rg BT 118.86 310.25 Td (detected.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 298.25 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 286.25 Td (Item 9B. ) Tj ET Q q 0 0 0 rg BT 122.00 286.25 Td (Other) Tj ET Q q 0 0 0 rg BT 147.37 286.25 Td ( Information) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 274.25 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 262.25 Td (Not applicable.) Tj ET Q endstream endobj 291 0 obj <> endobj 292 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (145) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 285.90 730.10 Td (P) Tj ET Q q 0 0 0 rg BT 291.27 730.10 Td (AR) Tj ET Q q 0 0 0 rg BT 305.36 730.10 Td (T) Tj ET Q q 0 0 0 rg BT 311.85 730.10 Td ( III) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 306.00 718.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 706.10 Td (Item 10. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 706.10 Td ( Dir) Tj ET Q q 0 0 0 rg BT 141.26 706.10 Td (ectors, Executive Officers and Corporate Governance) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td () Tj ET Q BT /F3 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 680.7669921875 m 219.13232421875 680.7669921875 l s q 0 0 0 rg BT 86.00 682.10 Td (Dir) Tj ET Q q 0 0 0 rg BT 99.52 682.10 Td (ectors ) Tj ET Q q 0 0 0 rg BT 126.16 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 143.36 682.10 Td (Executive ) Tj ET Q q 0 0 0 rg BT 184.42 682.10 Td (Officers.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 219.13 682.10 Td ( ) Tj ET Q q 0 0 0 rg BT 223.67 682.10 Td (The ) Tj ET Q q 0 0 0 rg BT 241.42 682.10 Td (information ) Tj ET Q q 0 0 0 rg BT 290.83 682.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 337.45 682.10 Td (our ) Tj ET Q q 0 0 0 rg BT 352.98 682.10 Td (directors ) Tj ET Q q 0 0 0 rg BT 390.17 682.10 Td (and ) Tj ET Q q 0 0 0 rg BT 406.81 682.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 447.32 682.10 Td (of) Tj ET Q q 0 0 0 rg BT 455.47 682.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 479.87 682.10 Td (required ) Tj ET Q q 0 0 0 rg BT 515.39 682.10 Td (by ) Tj ET Q q 0 0 0 rg BT 527.59 682.10 Td (this ) Tj ET Q q 0 0 0 rg BT 544.24 682.10 Td (item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 670.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 112.20 670.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 139.68 670.10 Td (by ) Tj ET Q q 0 0 0 rg BT 152.17 670.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 191.85 670.10 Td (from ) Tj ET Q q 0 0 0 rg BT 213.79 670.10 Td (our ) Tj ET Q q 0 0 0 rg BT 229.61 670.10 Td (definitive ) Tj ET Q q 0 0 0 rg BT 270.43 670.10 Td (proxy ) Tj ET Q q 0 0 0 rg BT 296.26 670.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 337.08 670.10 Td (for ) Tj ET Q q 0 0 0 rg BT 351.23 670.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.06 670.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.06 670.10 Td ( ) Tj ET Q q 0 0 0 rg BT 389.00 670.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 420.94 670.10 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 456.76 670.10 Td (of ) Tj ET Q q 0 0 0 rg BT 467.59 670.10 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 524.80 670.10 Td (a ) Tj ET Q q 0 0 0 rg BT 531.74 670.10 Td (copy ) Tj ET Q q 0 0 0 rg BT 553.67 670.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (which ) Tj ET Q q 0 0 0 rg BT 76.94 658.10 Td (will ) Tj ET Q q 0 0 0 rg BT 95.00 658.10 Td (be ) Tj ET Q q 0 0 0 rg BT 106.93 658.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 127.76 658.10 Td (with ) Tj ET Q q 0 0 0 rg BT 148.04 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 162.75 658.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 204.69 658.10 Td (and ) Tj ET Q q 0 0 0 rg BT 221.63 658.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 263.55 658.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 316.62 658.10 Td (not ) Tj ET Q q 0 0 0 rg BT 331.89 658.10 Td (later ) Tj ET Q q 0 0 0 rg BT 352.16 658.10 Td (than ) Tj ET Q q 0 0 0 rg BT 371.88 658.10 Td (120 ) Tj ET Q q 0 0 0 rg BT 389.38 658.10 Td (days ) Tj ET Q q 0 0 0 rg BT 410.21 658.10 Td (after ) Tj ET Q q 0 0 0 rg BT 431.02 658.10 Td (the ) Tj ET Q q 0 0 0 rg BT 445.74 658.10 Td (end ) Tj ET Q q 0 0 0 rg BT 462.68 658.10 Td (of ) Tj ET Q q 0 0 0 rg BT 473.51 658.10 Td (our ) Tj ET Q q 0 0 0 rg BT 489.34 658.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 513.49 658.10 Td (year) Tj ET Q q 0 0 0 rg BT 530.15 658.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 646.10 Td () Tj ET Q BT /F3 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 632.7669921875 m 324.0634765625 632.7669921875 l s q 0 0 0 rg BT 86.00 634.10 Td (Section16\(a\)Beneficial ) Tj ET Q q 0 0 0 rg BT 184.87 634.10 Td (Ownership ) Tj ET Q q 0 0 0 rg BT 231.00 634.10 Td (Reporting ) Tj ET Q q 0 0 0 rg BT 273.24 634.10 Td (Compliance.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 324.06 634.10 Td ( ) Tj ET Q q 0 0 0 rg BT 328.64 634.10 Td (The ) Tj ET Q q 0 0 0 rg BT 346.43 634.10 Td (information ) Tj ET Q q 0 0 0 rg BT 395.88 634.10 Td (concerning ) Tj ET Q q 0 0 0 rg BT 442.54 634.10 Td (compliance ) Tj ET Q q 0 0 0 rg BT 490.87 634.10 Td (with ) Tj ET Q q 0 0 0 rg BT 510.89 634.10 Td (the ) Tj ET Q q 0 0 0 rg BT 525.35 634.10 Td (reporting ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 622.10 Td (requirements ) Tj ET Q q 0 0 0 rg BT 105.71 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 117.56 622.10 Td (Section16\(a\)of ) Tj ET Q q 0 0 0 rg BT 185.49 622.10 Td (the ) Tj ET Q q 0 0 0 rg BT 201.22 622.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 244.17 622.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 286.33 622.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 304.28 622.10 Td (of ) Tj ET Q q 0 0 0 rg BT 316.12 622.10 Td (1934 ) Tj ET Q q 0 0 0 rg BT 339.63 622.10 Td (by ) Tj ET Q q 0 0 0 rg BT 353.15 622.10 Td (our ) Tj ET Q q 0 0 0 rg BT 369.99 622.10 Td (directors, ) Tj ET Q q 0 0 0 rg BT 410.99 622.10 Td (of) Tj ET Q q 0 0 0 rg BT 419.13 622.10 Td (ficers ) Tj ET Q q 0 0 0 rg BT 444.85 622.10 Td (and ) Tj ET Q q 0 0 0 rg BT 462.80 622.10 Td (ten ) Tj ET Q q 0 0 0 rg BT 478.53 622.10 Td (percent ) Tj ET Q q 0 0 0 rg BT 511.47 622.10 Td (stockholders ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 610.10 Td (required ) Tj ET Q q 0 0 0 rg BT 86.42 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 99.52 610.10 Td (this ) Tj ET Q q 0 0 0 rg BT 117.07 610.10 Td (item ) Tj ET Q q 0 0 0 rg BT 137.95 610.10 Td (is ) Tj ET Q q 0 0 0 rg BT 147.72 610.10 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 201.36 610.10 Td (herein ) Tj ET Q q 0 0 0 rg BT 229.45 610.10 Td (by ) Tj ET Q q 0 0 0 rg BT 242.55 610.10 Td (reference ) Tj ET Q q 0 0 0 rg BT 282.83 610.10 Td (from ) Tj ET Q q 0 0 0 rg BT 305.38 610.10 Td (our ) Tj ET Q q 0 0 0 rg BT 321.81 610.10 Td (definitive ) Tj ET Q q 0 0 0 rg BT 363.23 610.10 Td (proxy ) Tj ET Q q 0 0 0 rg BT 389.67 610.10 Td (statement ) Tj ET Q q 0 0 0 rg BT 431.09 610.10 Td (for ) Tj ET Q q 0 0 0 rg BT 445.85 610.10 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 462.29 610.10 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 482.29 610.10 Td ( ) Tj ET Q q 0 0 0 rg BT 484.70 610.10 Td (Annual ) Tj ET Q q 0 0 0 rg BT 517.24 610.10 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 553.67 610.10 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 598.10 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 107.45 598.10 Td (a ) Tj ET Q q 0 0 0 rg BT 114.62 598.10 Td (copy ) Tj ET Q q 0 0 0 rg BT 136.79 598.10 Td (of ) Tj ET Q q 0 0 0 rg BT 147.86 598.10 Td (which ) Tj ET Q q 0 0 0 rg BT 175.03 598.10 Td (will ) Tj ET Q q 0 0 0 rg BT 193.32 598.10 Td (be ) Tj ET Q q 0 0 0 rg BT 205.49 598.10 Td (filed ) Tj ET Q q 0 0 0 rg BT 226.55 598.10 Td (with ) Tj ET Q q 0 0 0 rg BT 247.06 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 262.01 598.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 304.18 598.10 Td (and ) Tj ET Q q 0 0 0 rg BT 321.35 598.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 363.51 598.10 Td (Commission ) Tj ET Q q 0 0 0 rg BT 416.81 598.10 Td (not ) Tj ET Q q 0 0 0 rg BT 432.32 598.10 Td (later ) Tj ET Q q 0 0 0 rg BT 452.82 598.10 Td (than ) Tj ET Q q 0 0 0 rg BT 472.77 598.10 Td (120 ) Tj ET Q q 0 0 0 rg BT 490.50 598.10 Td (days ) Tj ET Q q 0 0 0 rg BT 511.56 598.10 Td (after ) Tj ET Q q 0 0 0 rg BT 532.61 598.10 Td (the ) Tj ET Q q 0 0 0 rg BT 547.56 598.10 Td (end ) 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 60.83 586.10 Td (our ) Tj ET Q q 0 0 0 rg BT 76.66 586.10 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 100.82 586.10 Td (year) Tj ET Q q 0 0 0 rg BT 117.47 586.10 Td (.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 574.10 Td () Tj ET Q BT /F3 10.00 Tf ET 0 0 0 RG /GS0 gs 0.49 w 0 i [] 0 d 1 J 1 j 3 M 86 560.7669921875 m 145.8271484375 560.7669921875 l s q 0 0 0 rg BT 86.00 562.10 Td (Code ) Tj ET Q q 0 0 0 rg BT 108.83 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 118.33 562.10 Td (Ethics.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 145.83 562.10 Td ( ) Tj ET Q q 0 0 0 rg BT 149.93 562.10 Td (W) Tj ET Q q 0 0 0 rg BT 158.56 562.10 Td (e ) Tj ET Q q 0 0 0 rg BT 164.72 562.10 Td (have ) Tj ET Q q 0 0 0 rg BT 185.32 562.10 Td (adopted ) Tj ET Q q 0 0 0 rg BT 218.70 562.10 Td (a ) Tj ET Q q 0 0 0 rg BT 224.86 562.10 Td (code ) Tj ET Q q 0 0 0 rg BT 245.46 562.10 Td (of ) Tj ET Q q 0 0 0 rg BT 255.52 562.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 280.56 562.10 Td (that ) Tj ET Q q 0 0 0 rg BT 297.28 562.10 Td (applies ) Tj ET Q q 0 0 0 rg BT 327.33 562.10 Td (to ) Tj ET Q q 0 0 0 rg BT 336.83 562.10 Td (our ) Tj ET Q q 0 0 0 rg BT 351.88 562.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 389.15 562.10 Td (executive ) Tj ET Q q 0 0 0 rg BT 429.18 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 437.33 562.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 455.24 562.10 Td (, ) Tj ET Q q 0 0 0 rg BT 459.47 562.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 496.73 562.10 Td (financial ) Tj ET Q q 0 0 0 rg BT 533.44 562.10 Td (of) Tj ET Q q 0 0 0 rg BT 541.58 562.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 559.50 562.10 Td (, ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 550.10 Td (principal ) Tj ET Q q 0 0 0 rg BT 88.63 550.10 Td (accounting ) Tj ET Q q 0 0 0 rg BT 135.60 550.10 Td (of) Tj ET Q q 0 0 0 rg BT 143.75 550.10 Td (ficer) Tj ET Q q 0 0 0 rg BT 161.66 550.10 Td (, ) Tj ET Q q 0 0 0 rg BT 167.25 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 184.78 550.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 218.42 550.10 Td (performing ) Tj ET Q q 0 0 0 rg BT 266.50 550.10 Td (similar ) Tj ET Q q 0 0 0 rg BT 297.36 550.10 Td (functions, ) Tj ET Q q 0 0 0 rg BT 340.17 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 357.70 550.10 Td (to ) Tj ET Q q 0 0 0 rg BT 368.57 550.10 Td (all ) Tj ET Q q 0 0 0 rg BT 381.66 550.10 Td (of ) Tj ET Q q 0 0 0 rg BT 393.08 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 409.50 550.10 Td (other ) Tj ET Q q 0 0 0 rg BT 433.13 550.10 Td (employees ) Tj ET Q q 0 0 0 rg BT 478.99 550.10 Td (and ) Tj ET Q q 0 0 0 rg BT 496.52 550.10 Td (our ) Tj ET Q q 0 0 0 rg BT 512.94 550.10 Td (directors. ) Tj ET Q q 0 0 0 rg BT 555.33 550.10 Td (A) Tj ET Q q 0 0 0 rg BT 562.00 550.10 Td ( ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 538.10 Td (copy ) Tj ET Q q 0 0 0 rg BT 71.94 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 82.77 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 98.60 538.10 Td (code ) Tj ET Q q 0 0 0 rg BT 119.98 538.10 Td (of ) Tj ET Q q 0 0 0 rg BT 130.81 538.10 Td (ethics ) Tj ET Q q 0 0 0 rg BT 156.63 538.10 Td (is ) Tj ET Q q 0 0 0 rg BT 165.80 538.10 Td (available ) Tj ET Q q 0 0 0 rg BT 204.39 538.10 Td (on ) Tj ET Q q 0 0 0 rg BT 216.89 538.10 Td (our ) Tj ET Q q 0 0 0 rg BT 232.72 538.10 Td (Internet ) Tj ET Q q 0 0 0 rg BT 266.31 538.10 Td (website ) Tj ET Q q 0 0 0 rg BT 299.36 538.10 Td (address, ) Tj ET Q q 0 0 0 rg BT 334.35 538.10 Td (www) Tj ET Q q 0 0 0 rg BT 355.37 538.10 Td (.mbfinancial.com.) 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0 0 0 rg BT 428.75 222.06 Td (27.45) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 523.00 222.06 Td (3,811,383) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 206.10 Td () Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 199.38 Td (\(1\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.82 195.30 Td ( ) Tj ET Q q 0 0 0 rg BT 76.73 195.30 Td ( ) Tj ET Q q 0 0 0 rg BT 78.63 195.30 Td (Includes ) Tj ET Q q 0 0 0 rg BT 111.03 195.30 Td (203,909 ) Tj ET Q q 0 0 0 rg BT 142.18 195.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 166.58 195.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 207.48 195.30 Td (market-based ) Tj ET Q q 0 0 0 rg BT 257.86 195.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 293.24 195.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 314.15 195.30 Td (units ) Tj ET Q q 0 0 0 rg BT 333.56 195.30 Td (and ) Tj ET Q q 0 0 0 rg BT 348.46 195.30 Td (433,1) Tj ET Q q 0 0 0 rg BT 368.37 195.30 Td (16 ) Tj ET Q q 0 0 0 rg BT 379.28 195.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 403.67 195.30 Td (underlying ) Tj ET Q q 0 0 0 rg BT 444.57 195.30 Td (time-based ) Tj ET Q q 0 0 0 rg BT 485.96 195.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 521.35 195.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 542.25 195.30 Td (units. ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 184.50 Td (Recipients ) Tj ET Q q 0 0 0 rg BT 90.45 184.50 Td (of ) Tj ET Q q 0 0 0 rg BT 100.41 184.50 Td (market-based ) Tj ET Q q 0 0 0 rg BT 151.35 184.50 Td (restricted ) Tj ET Q q 0 0 0 rg BT 187.29 184.50 Td (stock ) Tj ET Q q 0 0 0 rg BT 208.75 184.50 Td (units ) Tj ET Q q 0 0 0 rg BT 228.71 184.50 Td (will ) Tj ET Q q 0 0 0 rg BT 245.17 184.50 Td (earn ) Tj ET Q q 0 0 0 rg BT 263.12 184.50 Td (shares, ) Tj ET Q q 0 0 0 rg BT 290.32 184.50 Td (totaling ) Tj ET Q q 0 0 0 rg BT 320.28 184.50 Td (between ) Tj ET Q q 0 0 0 rg BT 352.73 184.50 Td (0% ) Tj ET Q q 0 0 0 rg BT 367.18 184.50 Td (and ) Tj ET Q q 0 0 0 rg BT 382.64 184.50 Td (175% ) Tj ET Q q 0 0 0 rg BT 406.10 184.50 Td (of ) Tj ET Q q 0 0 0 rg BT 416.06 184.50 Td (the ) Tj ET Q q 0 0 0 rg BT 429.51 184.50 Td (number ) Tj ET Q q 0 0 0 rg BT 459.46 184.50 Td (of ) Tj ET Q q 0 0 0 rg BT 469.42 184.50 Td (units ) Tj ET Q q 0 0 0 rg BT 489.39 184.50 Td (issued, ) Tj ET Q q 0 0 0 rg BT 516.60 184.50 Td (based ) Tj ET Q q 0 0 0 rg BT 539.55 184.50 Td (on ) Tj ET Q q 0 0 0 rg BT 551.01 184.50 Td (the ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 173.70 Td (Company's ) Tj ET Q q 0 0 0 rg BT 91.61 173.70 Td (total ) Tj ET Q q 0 0 0 rg BT 109.09 173.70 Td (stockholder ) Tj ET Q q 0 0 0 rg BT 152.56 173.70 Td (return ) Tj ET Q q 0 0 0 rg BT 175.53 173.70 Td (relative ) Tj ET Q q 0 0 0 rg BT 204.00 173.70 Td (to ) Tj ET Q q 0 0 0 rg BT 212.49 173.70 Td (a ) Tj ET Q q 0 0 0 rg BT 217.97 173.70 Td (specified ) Tj ET Q q 0 0 0 rg BT 251.93 173.70 Td (peer ) Tj ET Q q 0 0 0 rg BT 268.90 173.70 Td (group ) Tj ET Q q 0 0 0 rg BT 291.39 173.70 Td (of ) Tj ET Q q 0 0 0 rg BT 300.37 173.70 Td (financial ) Tj ET Q q 0 0 0 rg BT 333.33 173.70 Td (institutions ) Tj ET Q q 0 0 0 rg BT 374.83 173.70 Td (over ) Tj ET Q q 0 0 0 rg BT 392.30 173.70 Td (a ) Tj ET Q q 0 0 0 rg BT 397.78 173.70 Td (three ) Tj ET Q q 0 0 0 rg BT 417.25 173.70 Td (year ) Tj ET Q q 0 0 0 rg BT 434.22 173.70 Td (period. ) Tj ET Q q 0 0 0 rg BT 463.09 173.70 Td (The ) Tj ET Q q 0 0 0 rg BT 478.57 173.70 Td (market-based ) Tj ET Q q 0 0 0 rg BT 528.53 173.70 Td (restricted ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 162.90 Td (stock ) Tj ET Q q 0 0 0 rg BT 70.84 162.90 Td (units ) Tj ET Q q 0 0 0 rg BT 90.18 162.90 Td (are ) Tj ET Q q 0 0 0 rg BT 103.01 162.90 Td (included ) Tj ET Q q 0 0 0 rg BT 135.84 162.90 Td (in ) Tj ET Q q 0 0 0 rg BT 144.68 162.90 Td (the ) Tj ET Q q 0 0 0 rg BT 157.52 162.90 Td (preceding ) Tj ET Q q 0 0 0 rg BT 194.84 162.90 Td (table ) Tj ET Q q 0 0 0 rg BT 214.17 162.90 Td (as ) Tj ET Q q 0 0 0 rg BT 223.50 162.90 Td (if ) Tj ET Q q 0 0 0 rg BT 230.84 162.90 Td (the ) Tj ET Q q 0 0 0 rg BT 243.68 162.90 Td (recipients ) Tj ET Q q 0 0 0 rg BT 280.50 162.90 Td (earned ) Tj ET Q q 0 0 0 rg BT 306.32 162.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 330.66 162.90 Td (equal ) Tj ET Q q 0 0 0 rg BT 351.99 162.90 Td (to ) Tj ET Q q 0 0 0 rg BT 360.83 162.90 Td (100% ) Tj ET Q q 0 0 0 rg BT 383.66 162.90 Td (of ) Tj ET Q q 0 0 0 rg BT 393.00 162.90 Td (the ) Tj ET Q q 0 0 0 rg BT 405.84 162.90 Td (units ) Tj ET Q q 0 0 0 rg BT 425.18 162.90 Td (issued. ) Tj ET Q q 0 0 0 rg BT 453.62 162.90 Td (Additionally) Tj ET Q q 0 0 0 rg BT 498.53 162.90 Td (, ) Tj ET Q q 0 0 0 rg BT 502.62 162.90 Td (there ) Tj ET Q q 0 0 0 rg BT 522.44 162.90 Td (were ) Tj ET Q q 0 0 0 rg BT 541.77 162.90 Td (7,227 ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 152.10 Td (shares ) Tj ET Q q 0 0 0 rg BT 74.39 152.10 Td (underlying ) Tj ET Q q 0 0 0 rg BT 115.29 152.10 Td (director ) Tj ET Q q 0 0 0 rg BT 145.17 152.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 166.07 152.10 Td (units ) Tj ET Q q 0 0 0 rg BT 185.48 152.10 Td (that ) Tj ET Q q 0 0 0 rg BT 200.88 152.10 Td (we ) Tj ET Q q 0 0 0 rg BT 213.27 152.10 Td (assumed ) Tj ET Q q 0 0 0 rg BT 246.17 152.10 Td (in ) Tj ET Q q 0 0 0 rg BT 255.07 152.10 Td (our ) Tj ET Q q 0 0 0 rg BT 268.97 152.10 Td (2006 ) Tj ET Q q 0 0 0 rg BT 288.87 152.10 Td (acquisition ) Tj ET Q q 0 0 0 rg BT 330.27 152.10 Td (of ) Tj ET Q q 0 0 0 rg BT 339.67 152.10 Td (First ) Tj ET Q q 0 0 0 rg BT 358.07 152.10 Td (Oak ) Tj ET Q q 0 0 0 rg BT 374.97 152.10 Td (Brook ) Tj ET Q q 0 0 0 rg BT 399.37 152.10 Td (Bancshares, ) Tj ET Q q 0 0 0 rg BT 444.51 152.10 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 462.26 152.10 Td (The ) Tj ET Q q 0 0 0 rg BT 478.16 152.10 Td (market-based ) Tj ET Q q 0 0 0 rg BT 528.53 152.10 Td (restricted ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 141.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 71.49 141.30 Td (units, ) Tj ET Q q 0 0 0 rg BT 93.74 141.30 Td (restricted ) Tj ET Q q 0 0 0 rg BT 129.72 141.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 151.21 141.30 Td (units ) Tj ET Q q 0 0 0 rg BT 171.21 141.30 Td (and ) Tj ET Q q 0 0 0 rg BT 186.71 141.30 Td (director ) Tj ET Q q 0 0 0 rg BT 217.19 141.30 Td (stock ) Tj ET Q q 0 0 0 rg BT 238.68 141.30 Td (units ) Tj ET Q q 0 0 0 rg BT 258.68 141.30 Td (do ) Tj ET Q q 0 0 0 rg BT 270.17 141.30 Td (not ) Tj ET Q q 0 0 0 rg BT 284.17 141.30 Td (have ) Tj ET Q q 0 0 0 rg BT 303.66 141.30 Td (an ) Tj ET Q q 0 0 0 rg BT 314.65 141.30 Td (exercise ) Tj ET Q q 0 0 0 rg BT 346.62 141.30 Td (price ) Tj ET Q q 0 0 0 rg BT 367.10 141.30 Td (and ) Tj ET Q q 0 0 0 rg BT 382.60 141.30 Td (are ) Tj ET Q q 0 0 0 rg BT 396.08 141.30 Td (not ) Tj ET Q q 0 0 0 rg BT 410.07 141.30 Td (taken ) Tj ET Q q 0 0 0 rg BT 432.06 141.30 Td (into ) Tj ET Q q 0 0 0 rg BT 448.56 141.30 Td (account ) Tj ET Q q 0 0 0 rg BT 479.04 141.30 Td (in ) Tj ET Q q 0 0 0 rg BT 488.53 141.30 Td (the ) Tj ET Q q 0 0 0 rg BT 502.03 141.30 Td (determination ) Tj ET Q q 0 0 0 rg BT 554.51 141.30 Td (of ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 130.50 Td (the ) Tj ET Q q 0 0 0 rg BT 63.25 130.50 Td (weighted ) Tj ET Q q 0 0 0 rg BT 98.48 130.50 Td (average ) Tj ET Q q 0 0 0 rg BT 128.71 130.50 Td (exercise ) Tj ET Q q 0 0 0 rg BT 160.44 130.50 Td (price.) Tj ET Q BT /F1 9.00 Tf ET BT /F1 5.85 Tf ET q 0 0 0 rg BT 68.00 112.98 Td (\(2\)) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 74.82 108.90 Td (Represents ) Tj ET Q q 0 0 0 rg BT 121.54 108.90 Td (shares ) Tj ET Q q 0 0 0 rg BT 146.76 108.90 Td (remaining ) Tj ET Q q 0 0 0 rg BT 185.98 108.90 Td (available ) Tj ET Q q 0 0 0 rg BT 221.18 108.90 Td (for ) Tj ET Q q 0 0 0 rg BT 234.41 108.90 Td (future ) Tj ET Q q 0 0 0 rg BT 258.63 108.90 Td (awards ) Tj ET Q q 0 0 0 rg BT 286.84 108.90 Td (under ) Tj ET Q q 0 0 0 rg BT 310.06 108.90 Td (our ) Tj ET Q q 0 0 0 rg BT 324.19 108.90 Td (Amended ) Tj ET Q q 0 0 0 rg BT 361.91 108.90 Td (and ) Tj ET Q q 0 0 0 rg BT 377.63 108.90 Td (Restated ) Tj ET Q q 0 0 0 rg BT 411.35 108.90 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 447.08 108.90 Td (Incentive ) Tj ET Q q 0 0 0 rg BT 483.29 108.90 Td (Plan ) Tj ET Q q 0 0 0 rg BT 502.02 108.90 Td (\(Omnibus ) Tj ET Q q 0 0 0 rg BT 540.75 108.90 Td (Plan\). ) Tj ET Q q 0 0 0 rg BT 564.25 108.90 Td ( ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 98.10 Td (A) Tj ET Q q 0 0 0 rg BT 55.67 98.10 Td (wards ) Tj ET Q q 0 0 0 rg BT 79.00 98.10 Td (in ) Tj ET Q q 0 0 0 rg BT 87.83 98.10 Td (the ) Tj ET Q q 0 0 0 rg BT 100.65 98.10 Td (form ) Tj ET Q q 0 0 0 rg BT 119.97 98.10 Td (of ) Tj ET Q q 0 0 0 rg BT 129.30 98.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 164.61 98.10 Td (stock, ) Tj ET Q q 0 0 0 rg BT 187.69 98.10 Td (restricted ) Tj ET Q q 0 0 0 rg BT 223.00 98.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 243.83 98.10 Td (units, ) Tj ET Q q 0 0 0 rg BT 265.41 98.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 312.71 98.10 Td (shares, ) Tj ET Q q 0 0 0 rg BT 339.28 98.10 Td (performance ) Tj ET Q q 0 0 0 rg BT 386.58 98.10 Td (units ) Tj ET Q q 0 0 0 rg BT 405.91 98.10 Td (and ) Tj ET Q q 0 0 0 rg BT 420.73 98.10 Td (other ) Tj ET Q q 0 0 0 rg BT 441.05 98.10 Td (stock-based ) Tj ET Q q 0 0 0 rg BT 485.37 98.10 Td (awards ) Tj ET Q q 0 0 0 rg BT 512.69 98.10 Td (generally ) Tj ET Q q 0 0 0 rg BT 548.00 98.10 Td (will ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 87.30 Td (reduce ) Tj ET Q q 0 0 0 rg BT 75.77 87.30 Td (the ) Tj ET Q q 0 0 0 rg BT 88.56 87.30 Td (shares ) Tj ET Q q 0 0 0 rg BT 112.84 87.30 Td (available ) Tj ET Q q 0 0 0 rg BT 147.11 87.30 Td (under ) Tj ET Q q 0 0 0 rg BT 169.39 87.30 Td (the ) Tj ET Q q 0 0 0 rg BT 182.18 87.30 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 216.97 87.30 Td (Plan ) Tj ET Q q 0 0 0 rg BT 234.77 87.30 Td (on ) Tj ET Q q 0 0 0 rg BT 245.56 87.30 Td (a ) Tj ET Q q 0 0 0 rg BT 251.34 87.30 Td (2-for) Tj ET Q q 0 0 0 rg BT 269.15 87.30 Td (-1 ) Tj ET Q q 0 0 0 rg BT 278.44 87.30 Td (basis. ) Tj ET Q q 0 0 0 rg BT 300.48 87.30 Td ( ) Tj ET Q q 0 0 0 rg BT 302.27 87.30 Td (Following ) Tj ET Q q 0 0 0 rg BT 341.07 87.30 Td (May ) Tj ET Q q 0 0 0 rg BT 359.36 87.30 Td (28, ) Tj ET Q q 0 0 0 rg BT 372.40 87.30 Td (2014, ) Tj ET Q q 0 0 0 rg BT 394.44 87.30 Td (no ) Tj ET Q q 0 0 0 rg BT 405.23 87.30 Td (more ) Tj ET Q q 0 0 0 rg BT 425.52 87.30 Td (than ) Tj ET Q q 0 0 0 rg BT 442.80 87.30 Td (10% ) Tj ET Q q 0 0 0 rg BT 461.09 87.30 Td (of ) Tj ET Q q 0 0 0 rg BT 470.38 87.30 Td (the ) Tj ET Q q 0 0 0 rg BT 483.16 87.30 Td (total ) Tj ET Q q 0 0 0 rg BT 500.95 87.30 Td (number ) Tj ET Q q 0 0 0 rg BT 530.23 87.30 Td (of ) Tj ET Q q 0 0 0 rg BT 539.52 87.30 Td (shares ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 76.50 Td (authorized ) Tj ET Q q 0 0 0 rg BT 90.82 76.50 Td (under ) Tj ET Q q 0 0 0 rg BT 114.16 76.50 Td (the ) Tj ET Q q 0 0 0 rg BT 127.99 76.50 Td (Omnibus ) Tj ET Q q 0 0 0 rg BT 163.84 76.50 Td (Plan ) Tj ET Q q 0 0 0 rg BT 182.68 76.50 Td (may ) Tj ET Q q 0 0 0 rg BT 201.02 76.50 Td (be ) Tj ET Q q 0 0 0 rg BT 212.35 76.50 Td (issued ) Tj ET Q q 0 0 0 rg BT 237.69 76.50 Td (with ) Tj ET Q q 0 0 0 rg BT 256.53 76.50 Td (respect ) Tj ET Q q 0 0 0 rg BT 284.86 76.50 Td (to ) Tj ET Q q 0 0 0 rg BT 294.70 76.50 Td (awards ) Tj ET Q q 0 0 0 rg BT 323.03 76.50 Td (granted ) Tj ET Q q 0 0 0 rg BT 352.86 76.50 Td (after ) Tj ET Q q 0 0 0 rg BT 372.18 76.50 Td (that ) Tj ET Q q 0 0 0 rg BT 388.52 76.50 Td (date, ) Tj ET Q q 0 0 0 rg BT 408.60 76.50 Td (other ) Tj ET Q q 0 0 0 rg BT 429.94 76.50 Td (than ) Tj ET Q q 0 0 0 rg BT 448.27 76.50 Td (stock ) Tj ET Q q 0 0 0 rg BT 470.11 76.50 Td (appreciation ) Tj ET Q q 0 0 0 rg BT 517.43 76.50 Td (rights, ) Tj ET Q q 0 0 0 rg BT 543.02 76.50 Td (stock ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 65.70 Td (options ) Tj ET Q q 0 0 0 rg BT 78.36 65.70 Td (and ) Tj ET Q q 0 0 0 rg BT 93.20 65.70 Td (performance-based ) Tj ET Q q 0 0 0 rg BT 164.01 65.70 Td (awards, ) Tj ET Q q 0 0 0 rg BT 193.61 65.70 Td (which ) Tj ET Q q 0 0 0 rg BT 217.45 65.70 Td (at ) Tj ET Q q 0 0 0 rg BT 225.80 65.70 Td (the ) Tj ET Q q 0 0 0 rg BT 238.65 65.70 Td (date ) Tj ET Q q 0 0 0 rg BT 255.49 65.70 Td (of ) Tj ET Q q 0 0 0 rg BT 264.84 65.70 Td (grant ) Tj ET Q q 0 0 0 rg BT 285.18 65.70 Td (are ) Tj ET Q q 0 0 0 rg BT 298.02 65.70 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 335.86 65.70 Td (to ) Tj ET Q q 0 0 0 rg BT 344.72 65.70 Td (fully ) Tj ET Q q 0 0 0 rg BT 363.57 65.70 Td (vest ) Tj ET Q q 0 0 0 rg BT 379.92 65.70 Td (prior ) Tj ET Q q 0 0 0 rg BT 399.26 65.70 Td (to ) Tj ET Q q 0 0 0 rg BT 408.12 65.70 Td (three ) Tj ET Q q 0 0 0 rg BT 427.96 65.70 Td (years ) Tj ET Q q 0 0 0 rg BT 448.80 65.70 Td (from ) Tj ET Q q 0 0 0 rg BT 468.14 65.70 Td (the ) Tj ET Q q 0 0 0 rg BT 480.99 65.70 Td (date ) Tj ET Q q 0 0 0 rg BT 497.83 65.70 Td (of ) Tj ET Q q 0 0 0 rg BT 507.18 65.70 Td (grant ) Tj ET Q q 0 0 0 rg BT 527.53 65.70 Td (\(although ) Tj ET Q endstream endobj 293 0 obj <> endobj 294 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (146) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 742.80 Td (such ) Tj ET Q q 0 0 0 rg BT 68.11 742.80 Td (awards ) Tj ET Q q 0 0 0 rg BT 95.22 742.80 Td (may ) Tj ET Q q 0 0 0 rg BT 112.33 742.80 Td (provide ) Tj ET Q q 0 0 0 rg BT 141.44 742.80 Td (scheduled ) Tj ET Q q 0 0 0 rg BT 179.04 742.80 Td (vesting ) Tj ET Q q 0 0 0 rg BT 206.65 742.80 Td (earlier ) Tj ET Q q 0 0 0 rg BT 231.25 742.80 Td (with ) Tj ET Q q 0 0 0 rg BT 248.87 742.80 Td (respect ) Tj ET Q q 0 0 0 rg BT 275.97 742.80 Td (to ) Tj ET Q q 0 0 0 rg BT 284.58 742.80 Td (some ) Tj ET Q q 0 0 0 rg BT 305.20 742.80 Td (of ) Tj ET Q q 0 0 0 rg BT 314.31 742.80 Td (such ) Tj ET Q q 0 0 0 rg BT 332.42 742.80 Td (shares ) Tj ET Q q 0 0 0 rg BT 356.53 742.80 Td (and ) Tj ET Q q 0 0 0 rg BT 371.14 742.80 Td (for ) Tj ET Q q 0 0 0 rg BT 383.25 742.80 Td (acceleration ) Tj ET Q q 0 0 0 rg BT 428.33 742.80 Td (of ) Tj ET Q q 0 0 0 rg BT 437.45 742.80 Td (vesting ) Tj ET Q q 0 0 0 rg BT 465.06 742.80 Td (as ) Tj ET Q q 0 0 0 rg BT 474.18 742.80 Td (provided ) Tj ET Q q 0 0 0 rg BT 507.78 742.80 Td (in ) Tj ET Q q 0 0 0 rg BT 516.40 742.80 Td (the ) Tj ET Q q 0 0 0 rg BT 529.01 742.80 Td (Omnibus ) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 50.00 732.00 Td (Plan\).) Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 721.20 Td () Tj ET Q BT /F1 9.00 Tf ET q 0 0 0 rg BT 68.00 710.40 Td (N/A) Tj ET Q q 0 0 0 rg BT 83.00 710.40 Td ( ) Tj ET Q q 0 0 0 rg BT 85.25 710.40 Td ( ) Tj ET Q q 0 0 0 rg BT 96.50 710.40 Td (not ) Tj ET Q q 0 0 0 rg BT 110.25 710.40 Td (applicable) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 698.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 86.00 686.40 Td (Not ) Tj ET Q q 0 0 0 rg BT 103.35 686.40 Td (included ) Tj ET Q q 0 0 0 rg BT 140.12 686.40 Td (in ) Tj ET Q q 0 0 0 rg BT 150.25 686.40 Td (the ) Tj ET Q q 0 0 0 rg BT 164.81 686.40 Td (table ) Tj ET Q q 0 0 0 rg BT 186.59 686.40 Td (are ) Tj ET Q q 0 0 0 rg BT 201.14 686.40 Td (shares ) Tj ET Q q 0 0 0 rg BT 228.48 686.40 Td (of ) Tj ET Q q 0 0 0 rg BT 239.15 686.40 Td (our ) Tj ET Q q 0 0 0 rg BT 254.83 686.40 Td (common ) Tj ET Q q 0 0 0 rg BT 292.17 686.40 Td (stock ) Tj ET Q q 0 0 0 rg BT 315.62 686.40 Td (that ) Tj ET Q q 0 0 0 rg BT 332.96 686.40 Td (may ) Tj ET Q q 0 0 0 rg BT 352.52 686.40 Td (be ) Tj ET Q q 0 0 0 rg BT 364.31 686.40 Td (acquired ) Tj ET Q q 0 0 0 rg BT 401.08 686.40 Td (by ) Tj ET Q q 0 0 0 rg BT 413.42 686.40 Td (directors ) Tj ET Q q 0 0 0 rg BT 450.75 686.40 Td (and ) Tj ET Q q 0 0 0 rg BT 467.54 686.40 Td (of) Tj ET Q q 0 0 0 rg BT 475.68 686.40 Td (ficers ) Tj ET Q q 0 0 0 rg BT 500.24 686.40 Td (who ) Tj ET Q q 0 0 0 rg BT 519.80 686.40 Td (participate ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 674.40 Td (in ) Tj ET Q q 0 0 0 rg BT 60.20 674.40 Td (the ) Tj ET Q q 0 0 0 rg BT 74.84 674.40 Td (MB ) Tj ET Q q 0 0 0 rg BT 92.82 674.40 Td (Financial,Inc. ) Tj ET Q q 0 0 0 rg BT 152.72 674.40 Td (Stock ) Tj ET Q q 0 0 0 rg BT 177.92 674.40 Td (Deferred ) Tj ET Q q 0 0 0 rg BT 215.87 674.40 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 276.07 674.40 Td (Plan. ) Tj ET Q q 0 0 0 rg BT 301.09 674.40 Td (This ) Tj ET Q q 0 0 0 rg BT 321.29 674.40 Td (plan, ) Tj ET Q q 0 0 0 rg BT 343.43 674.40 Td (along ) Tj ET Q q 0 0 0 rg BT 368.07 674.40 Td (with ) Tj ET Q q 0 0 0 rg BT 388.27 674.40 Td (the ) Tj ET Q q 0 0 0 rg BT 402.91 674.40 Td (MB ) Tj ET Q q 0 0 0 rg BT 420.89 674.40 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 463.03 674.40 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 480.72 674.40 Td (Non-Stock ) Tj ET Q q 0 0 0 rg BT 526.47 674.40 Td (Deferred ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 662.40 Td (Compensation ) Tj ET Q q 0 0 0 rg BT 110.64 662.40 Td (Plan, ) Tj ET Q q 0 0 0 rg BT 133.79 662.40 Td (allows ) Tj ET Q q 0 0 0 rg BT 162.77 662.40 Td (directors ) Tj ET Q q 0 0 0 rg BT 200.63 662.40 Td (and ) Tj ET Q q 0 0 0 rg BT 217.94 662.40 Td (eligible ) Tj ET Q q 0 0 0 rg BT 250.80 662.40 Td (of) Tj ET Q q 0 0 0 rg BT 258.95 662.40 Td (ficers ) Tj ET Q q 0 0 0 rg BT 284.03 662.40 Td (to ) Tj ET Q q 0 0 0 rg BT 294.68 662.40 Td (defer ) Tj ET Q q 0 0 0 rg BT 318.09 662.40 Td (a ) Tj ET Q q 0 0 0 rg BT 325.40 662.40 Td (portion ) Tj ET Q q 0 0 0 rg BT 357.15 662.40 Td (of ) Tj ET Q q 0 0 0 rg BT 368.35 662.40 Td (their ) Tj ET Q q 0 0 0 rg BT 389.55 662.40 Td (cash ) Tj ET Q q 0 0 0 rg BT 410.19 662.40 Td (compensation. ) Tj ET Q q 0 0 0 rg BT 471.10 662.40 Td ( ) Tj ET Q q 0 0 0 rg BT 473.97 662.40 Td (Neither ) Tj ET Q q 0 0 0 rg BT 506.83 662.40 Td (plan ) Tj ET Q q 0 0 0 rg BT 526.92 662.40 Td (has ) Tj ET Q q 0 0 0 rg BT 543.12 662.40 Td (been ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 650.40 Td (approved ) Tj ET Q q 0 0 0 rg BT 89.86 650.40 Td (by ) Tj ET Q q 0 0 0 rg BT 102.52 650.40 Td (our ) Tj ET Q q 0 0 0 rg BT 118.50 650.40 Td (stockholders. ) Tj ET Q q 0 0 0 rg BT 174.21 650.40 Td ( ) Tj ET Q q 0 0 0 rg BT 176.27 650.40 Td (All ) Tj ET Q q 0 0 0 rg BT 191.71 650.40 Td (distributions ) Tj ET Q q 0 0 0 rg BT 244.37 650.40 Td (under ) Tj ET Q q 0 0 0 rg BT 269.79 650.40 Td (the ) Tj ET Q q 0 0 0 rg BT 284.66 650.40 Td (stock ) Tj ET Q q 0 0 0 rg BT 308.43 650.40 Td (plan ) Tj ET Q q 0 0 0 rg BT 328.30 650.40 Td (are ) Tj ET Q q 0 0 0 rg BT 343.16 650.40 Td (made ) Tj ET Q q 0 0 0 rg BT 367.47 650.40 Td (in ) Tj ET Q q 0 0 0 rg BT 377.91 650.40 Td (shares ) Tj ET Q q 0 0 0 rg BT 405.55 650.40 Td (of ) Tj ET Q q 0 0 0 rg BT 416.54 650.40 Td (our ) Tj ET Q q 0 0 0 rg BT 432.52 650.40 Td (common ) Tj ET Q q 0 0 0 rg BT 470.17 650.40 Td (stock ) Tj ET Q q 0 0 0 rg BT 493.94 650.40 Td (purchased ) Tj ET Q q 0 0 0 rg BT 537.13 650.40 Td (by ) Tj ET Q q 0 0 0 rg BT 549.78 650.40 Td (the ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 638.40 Td (plan ) Tj ET Q q 0 0 0 rg BT 69.72 638.40 Td (trustee ) Tj ET Q q 0 0 0 rg BT 98.87 638.40 Td (on ) Tj ET Q q 0 0 0 rg BT 111.37 638.40 Td (the ) Tj ET Q q 0 0 0 rg BT 126.09 638.40 Td (open ) Tj ET Q q 0 0 0 rg BT 148.03 638.40 Td (market, ) Tj ET Q q 0 0 0 rg BT 180.79 638.40 Td (except ) Tj ET Q q 0 0 0 rg BT 209.38 638.40 Td (for ) Tj ET Q q 0 0 0 rg BT 223.54 638.40 Td (fractional ) Tj ET Q q 0 0 0 rg BT 264.36 638.40 Td (shares, ) Tj ET Q q 0 0 0 rg BT 294.35 638.40 Td (which ) Tj ET Q q 0 0 0 rg BT 321.28 638.40 Td (are ) Tj ET Q q 0 0 0 rg BT 335.99 638.40 Td (paid ) Tj ET Q q 0 0 0 rg BT 355.71 638.40 Td (in ) Tj ET Q q 0 0 0 rg BT 365.99 638.40 Td (cash.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 602.40 Td (Item 13. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 602.40 Td ( Certain Relationships, Related ) Tj ET Q q 0 0 0 rg BT 260.15 602.40 Td (T) Tj ET Q q 0 0 0 rg BT 266.08 602.40 Td (ransactions and Dir) Tj ET Q q 0 0 0 rg BT 350.35 602.40 Td (ector) Tj ET Q q 0 0 0 rg BT 371.81 602.40 Td ( Independence) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 590.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 578.40 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 578.40 Td (The ) Tj ET Q q 0 0 0 rg BT 103.34 578.40 Td (information ) Tj ET Q q 0 0 0 rg BT 152.34 578.40 Td (concerning ) Tj ET Q q 0 0 0 rg BT 198.56 578.40 Td (certain ) Tj ET Q q 0 0 0 rg BT 227.55 578.40 Td (relationships ) Tj ET Q q 0 0 0 rg BT 280.44 578.40 Td (and ) Tj ET Q q 0 0 0 rg BT 296.67 578.40 Td (related ) Tj ET Q q 0 0 0 rg BT 325.67 578.40 Td (transactions ) Tj ET Q q 0 0 0 rg BT 375.22 578.40 Td (and ) Tj ET Q q 0 0 0 rg BT 391.45 578.40 Td (director ) Tj ET Q q 0 0 0 rg BT 424.33 578.40 Td (independence ) Tj ET Q q 0 0 0 rg BT 481.10 578.40 Td (required ) Tj ET Q q 0 0 0 rg BT 516.20 578.40 Td (by ) Tj ET Q q 0 0 0 rg BT 527.99 578.40 Td (this ) Tj ET Q q 0 0 0 rg BT 544.23 578.40 Td (item ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 566.40 Td (is ) Tj ET Q q 0 0 0 rg BT 59.17 566.40 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 112.20 566.40 Td (herein ) Tj ET Q q 0 0 0 rg BT 139.68 566.40 Td (by ) Tj ET Q q 0 0 0 rg BT 152.17 566.40 Td (reference ) Tj ET Q q 0 0 0 rg BT 191.85 566.40 Td (from ) Tj ET Q q 0 0 0 rg BT 213.79 566.40 Td (our ) Tj ET Q q 0 0 0 rg BT 229.61 566.40 Td (definitive ) Tj ET Q q 0 0 0 rg BT 270.43 566.40 Td (proxy ) Tj ET Q q 0 0 0 rg BT 296.26 566.40 Td (statement ) Tj ET Q q 0 0 0 rg BT 337.08 566.40 Td (for ) Tj ET Q q 0 0 0 rg BT 351.23 566.40 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 367.06 566.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 387.06 566.40 Td ( ) Tj ET Q q 0 0 0 rg BT 389.00 566.40 Td (Annual ) Tj ET Q q 0 0 0 rg BT 420.94 566.40 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 456.76 566.40 Td (of ) Tj ET Q q 0 0 0 rg BT 467.59 566.40 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 524.80 566.40 Td (a ) Tj ET Q q 0 0 0 rg BT 531.74 566.40 Td (copy ) Tj ET Q q 0 0 0 rg BT 553.67 566.40 Td (of ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 554.40 Td (which ) Tj ET Q q 0 0 0 rg BT 76.94 554.40 Td (will ) Tj ET Q q 0 0 0 rg BT 95.00 554.40 Td (be ) Tj ET Q q 0 0 0 rg BT 106.93 554.40 Td (filed ) Tj ET Q q 0 0 0 rg BT 127.76 554.40 Td (with ) Tj ET Q q 0 0 0 rg BT 148.04 554.40 Td (the ) Tj ET Q q 0 0 0 rg BT 162.75 554.40 Td (Securities ) Tj ET Q q 0 0 0 rg BT 204.69 554.40 Td (and ) Tj ET Q q 0 0 0 rg BT 221.63 554.40 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 263.55 554.40 Td (Commission ) Tj ET Q q 0 0 0 rg BT 316.62 554.40 Td (not ) Tj ET Q q 0 0 0 rg BT 331.89 554.40 Td (later ) Tj ET Q q 0 0 0 rg BT 352.16 554.40 Td (than ) Tj ET Q q 0 0 0 rg BT 371.88 554.40 Td (120 ) Tj ET Q q 0 0 0 rg BT 389.38 554.40 Td (days ) Tj ET Q q 0 0 0 rg BT 410.21 554.40 Td (after ) Tj ET Q q 0 0 0 rg BT 431.02 554.40 Td (the ) Tj ET Q q 0 0 0 rg BT 445.74 554.40 Td (end ) Tj ET Q q 0 0 0 rg BT 462.68 554.40 Td (of ) Tj ET Q q 0 0 0 rg BT 473.51 554.40 Td (our ) Tj ET Q q 0 0 0 rg BT 489.34 554.40 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 513.49 554.40 Td (year) Tj ET Q q 0 0 0 rg BT 530.15 554.40 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 530.40 Td (Item 14. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 530.40 Td ( Principal ) Tj ET Q q 0 0 0 rg BT 168.39 530.40 Td (Accountant Fees and Services) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 518.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 506.40 Td ( ) Tj ET Q q 0 0 0 rg BT 86.00 506.40 Td (The ) Tj ET Q q 0 0 0 rg BT 103.33 506.40 Td (information ) Tj ET Q q 0 0 0 rg BT 152.33 506.40 Td (concerning ) Tj ET Q q 0 0 0 rg BT 198.54 506.40 Td (principal ) Tj ET Q q 0 0 0 rg BT 235.86 506.40 Td (accountant ) Tj ET Q q 0 0 0 rg BT 280.96 506.40 Td (fees ) Tj ET Q q 0 0 0 rg BT 298.84 506.40 Td (and ) Tj ET Q q 0 0 0 rg BT 315.06 506.40 Td (services ) Tj ET Q q 0 0 0 rg BT 349.06 506.40 Td (is ) Tj ET Q q 0 0 0 rg BT 357.51 506.40 Td (incorporated ) Tj ET Q q 0 0 0 rg BT 409.83 506.40 Td (herein ) Tj ET Q q 0 0 0 rg BT 436.60 506.40 Td (by ) Tj ET Q q 0 0 0 rg BT 448.38 506.40 Td (reference ) Tj ET Q q 0 0 0 rg BT 487.35 506.40 Td (from ) Tj ET Q q 0 0 0 rg BT 508.57 506.40 Td (our ) Tj ET Q q 0 0 0 rg BT 523.69 506.40 Td (definitive ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 494.40 Td (proxy ) Tj ET Q q 0 0 0 rg BT 75.68 494.40 Td (statement ) Tj ET Q q 0 0 0 rg BT 116.35 494.40 Td (for ) Tj ET Q q 0 0 0 rg BT 130.36 494.40 Td (our ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 146.04 494.40 Td (2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 166.04 494.40 Td ( ) Tj ET Q q 0 0 0 rg BT 167.87 494.40 Td (Annual ) Tj ET Q q 0 0 0 rg BT 199.66 494.40 Td (Meeting ) Tj ET Q q 0 0 0 rg BT 235.34 494.40 Td (of ) Tj ET Q q 0 0 0 rg BT 246.02 494.40 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 303.08 494.40 Td (a ) Tj ET Q q 0 0 0 rg BT 309.87 494.40 Td (copy ) Tj ET Q q 0 0 0 rg BT 331.66 494.40 Td (of ) Tj ET Q q 0 0 0 rg BT 342.34 494.40 Td (which ) Tj ET Q q 0 0 0 rg BT 369.13 494.40 Td (will ) Tj ET Q q 0 0 0 rg BT 387.04 494.40 Td (be ) Tj ET Q q 0 0 0 rg BT 398.82 494.40 Td (filed ) Tj ET Q q 0 0 0 rg BT 419.50 494.40 Td (not ) Tj ET Q q 0 0 0 rg BT 434.63 494.40 Td (later ) Tj ET Q q 0 0 0 rg BT 454.74 494.40 Td (than ) Tj ET Q q 0 0 0 rg BT 474.31 494.40 Td (120 ) Tj ET Q q 0 0 0 rg BT 491.66 494.40 Td (days ) Tj ET Q q 0 0 0 rg BT 512.34 494.40 Td (after ) Tj ET Q q 0 0 0 rg BT 533.00 494.40 Td (the ) Tj ET Q q 0 0 0 rg BT 547.57 494.40 Td (end ) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 482.40 Td (of ) Tj ET Q q 0 0 0 rg BT 60.83 482.40 Td (our ) Tj ET Q q 0 0 0 rg BT 76.66 482.40 Td (fiscal ) Tj ET Q q 0 0 0 rg BT 100.82 482.40 Td (year) Tj ET Q q 0 0 0 rg BT 117.47 482.40 Td (.) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 286.30 458.40 Td (P) Tj ET Q q 0 0 0 rg BT 291.67 458.40 Td (AR) Tj ET Q q 0 0 0 rg BT 305.76 458.40 Td (T) Tj ET Q q 0 0 0 rg BT 312.25 458.40 Td ( IV) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 68.00 422.40 Td (Item 15. ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 122.00 422.40 Td ( Exhibits and Financial Statement Schedules ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 410.40 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 390.47 Td (\(a\)\(1\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 87.00 388.66 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 390.47 Td (Financial Statements: See PartIIItem 8. Financial Statements and Supplementary Data.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 376.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.00 376.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 376.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 362.47 Td (\(a\)\(2\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 87.00 349.66 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 362.47 Td (Financial Statement Schedules: All financial statement schedules have been omitted as the information is not) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 352.47 Td (required under the related instructions or is not applicable.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 337.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.00 337.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 337.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 323.47 Td (\(a\)\(3\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 87.00 320.66 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 323.47 Td (Exhibits: See ExhibitIndex.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 308.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 87.00 308.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 308.47 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 294.47 Td (\(b\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 87.00 292.66 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 103.00 294.47 Td (Exhibits: See ExhibitIndex.) Tj ET Q BT /F1 10.00 Tf ET endstream endobj 295 0 obj <> endobj 296 0 obj <> stream BT /F1 10.00 Tf ET q 0 0 0 rg BT 298.50 31.60 Td (147) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 273.85 730.10 Td (SIGNA) Tj ET Q q 0 0 0 rg BT 304.78 730.10 Td (TURES) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 718.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 706.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 91.69 706.10 Td (to ) Tj ET Q q 0 0 0 rg BT 102.25 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 117.81 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 122.07 706.10 Td (equir) Tj ET Q q 0 0 0 rg BT 144.67 706.10 Td (ements ) Tj ET Q q 0 0 0 rg BT 176.89 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 187.46 706.10 Td (Section13 ) Tj ET Q q 0 0 0 rg BT 233.30 706.10 Td (or) Tj ET Q q 0 0 0 rg BT 242.56 706.10 Td ( ) Tj ET Q q 0 0 0 rg BT 244.79 706.10 Td (15\(d\)of ) Tj ET Q q 0 0 0 rg BT 280.08 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 295.64 706.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 339.53 706.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 382.94 706.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 400.17 706.10 Td (of ) Tj ET Q q 0 0 0 rg BT 410.73 706.10 Td (1934, ) Tj ET Q q 0 0 0 rg BT 435.46 706.10 Td (the ) Tj ET Q q 0 0 0 rg BT 451.03 706.10 Td (r) Tj ET Q q 0 0 0 rg BT 455.29 706.10 Td (egistrant ) Tj ET Q q 0 0 0 rg BT 495.29 706.10 Td (has ) Tj ET Q q 0 0 0 rg BT 511.98 706.10 Td (duly ) Tj ET Q q 0 0 0 rg BT 533.11 706.10 Td (caused ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 694.10 Td (this ) Tj ET Q q 0 0 0 rg BT 68.06 694.10 Td (r) Tj ET Q q 0 0 0 rg BT 72.32 694.10 Td (eport ) Tj ET Q q 0 0 0 rg BT 97.59 694.10 Td (to ) Tj ET Q q 0 0 0 rg BT 108.42 694.10 Td (be ) Tj ET Q q 0 0 0 rg BT 120.92 694.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 150.65 694.10 Td (on ) Tj ET Q q 0 0 0 rg BT 163.71 694.10 Td (its ) Tj ET Q q 0 0 0 rg BT 176.21 694.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 205.38 694.10 Td (by ) Tj ET Q q 0 0 0 rg BT 218.44 694.10 Td (the ) Tj ET Q q 0 0 0 rg BT 234.27 694.10 Td (undersigned, ) Tj ET Q q 0 0 0 rg BT 292.07 694.10 Td (ther) Tj ET Q q 0 0 0 rg BT 309.65 694.10 Td (eunto ) Tj ET Q q 0 0 0 rg BT 336.04 694.10 Td (duly ) Tj ET Q q 0 0 0 rg BT 357.45 694.10 Td (authorized.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 682.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 670.10 Td (MB FINANCIAL,INC.) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 658.10 Td (\(registrant\)) Tj ET Q 0 0 0 RG /GS0 gs 1.00 w 0 i [] 0 d 0 J 0 j 3 M 110.5 634.6 m 562.5 634.6 l s BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 638.17 Td (By:) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.00 638.17 Td (/s/Mitchell Feiger) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 631.41 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 113.00 625.33 Td (Mitchell Feiger) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 53.00 617.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.00 611.17 Td (President and Chief Executive Officer) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 113.00 597.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 583.17 Td (February 23, 2017) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 567.10 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 555.10 Td (Pursuant ) Tj ET Q q 0 0 0 rg BT 92.15 555.10 Td (to ) Tj ET Q q 0 0 0 rg BT 103.18 555.10 Td (the ) Tj ET Q q 0 0 0 rg BT 119.20 555.10 Td (r) Tj ET Q q 0 0 0 rg BT 123.46 555.10 Td (equir) Tj ET Q q 0 0 0 rg BT 146.06 555.10 Td (ements ) Tj ET Q q 0 0 0 rg BT 178.75 555.10 Td (of ) Tj ET Q q 0 0 0 rg BT 189.77 555.10 Td (the ) Tj ET Q q 0 0 0 rg BT 205.80 555.10 Td (Securities ) Tj ET Q q 0 0 0 rg BT 250.15 555.10 Td (Exchange ) Tj ET Q q 0 0 0 rg BT 293.92 555.10 Td (Act ) Tj ET Q q 0 0 0 rg BT 311.61 555.10 Td (of ) Tj ET Q q 0 0 0 rg BT 322.64 555.10 Td (1934, ) Tj ET Q q 0 0 0 rg BT 347.83 555.10 Td (this ) Tj ET Q q 0 0 0 rg BT 366.09 555.10 Td (r) Tj ET Q q 0 0 0 rg BT 370.35 555.10 Td (eport ) Tj ET Q q 0 0 0 rg BT 395.82 555.10 Td (has ) Tj ET Q q 0 0 0 rg BT 412.97 555.10 Td (been ) Tj ET Q q 0 0 0 rg BT 435.66 555.10 Td (signed ) Tj ET Q q 0 0 0 rg BT 465.59 555.10 Td (below ) Tj ET Q q 0 0 0 rg BT 493.29 555.10 Td (by ) Tj ET Q q 0 0 0 rg BT 506.55 555.10 Td (the ) Tj ET Q q 0 0 0 rg BT 522.57 555.10 Td (following ) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 50.00 543.10 Td (persons ) Tj ET Q q 0 0 0 rg BT 85.28 543.10 Td (on ) Tj ET Q q 0 0 0 rg BT 98.34 543.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 127.51 543.10 Td (of ) Tj ET Q q 0 0 0 rg BT 138.34 543.10 Td (the ) Tj ET Q q 0 0 0 rg BT 154.17 543.10 Td (r) Tj ET Q q 0 0 0 rg BT 158.43 543.10 Td (egistrant ) Tj ET Q q 0 0 0 rg BT 198.70 543.10 Td (and ) Tj ET Q q 0 0 0 rg BT 217.32 543.10 Td (in ) Tj ET Q q 0 0 0 rg BT 228.16 543.10 Td (the ) Tj ET Q q 0 0 0 rg BT 243.99 543.10 Td (capacities ) Tj ET Q q 0 0 0 rg BT 288.15 543.10 Td (and ) Tj ET Q q 0 0 0 rg BT 306.77 543.10 Td (on ) Tj ET Q q 0 0 0 rg BT 319.83 543.10 Td (the ) Tj ET Q q 0 0 0 rg BT 335.66 543.10 Td (dates ) Tj ET Q q 0 0 0 rg BT 360.39 543.10 Td (indicated.) 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Conte) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 447.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 447.22 Td (\(Principal Financial Officer\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 447.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 447.22 Td (February 23, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 431.22 Td (/s/John Francoeur) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 431.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 431.22 Td (Chief Accounting Officer) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 431.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 437.41 Td () Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 419.33 Td (John Francoeur) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 419.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 419.22 Td (\(Principal Accounting Officer\)) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 419.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 419.22 Td (February 23, 2017) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 403.22 Td (/s/Thomas H. Harvey*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 403.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 403.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 403.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 403.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 391.33 Td (Thomas H. Harvey) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 397.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 391.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 397.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 375.22 Td (/s/David P. Bolger*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 375.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 375.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 375.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 375.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 363.33 Td (David P. Bolger) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 363.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 369.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 363.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 369.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 347.22 Td (/s/C. Bryan Daniels*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 347.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 347.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 347.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 347.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 335.33 Td (C. Bryan Daniels) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 335.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 341.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 335.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 341.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 319.22 Td (/s/Sunil Garg*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 319.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 319.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 319.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 319.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 307.33 Td (Sunil Garg) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 307.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 313.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 307.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 313.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 291.22 Td (/s/Charles J. Gries*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 291.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 291.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 291.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 291.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 279.33 Td (Charles J. Gries) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 279.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 285.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 279.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 285.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 263.22 Td (/s/James N. Hallene*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 263.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 263.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 263.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 263.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 251.33 Td (James N. Hallene) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 251.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 257.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 251.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 257.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 235.22 Td (/s/Richard J. Holmstrom*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 235.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 235.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 235.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 235.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 223.33 Td (Richard J. Holmstrom) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 223.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 229.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 223.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 229.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 207.22 Td (/s/Karen J. May*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 207.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 207.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 207.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 207.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 195.33 Td (Karen J. May) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 195.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 198.00 201.41 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 195.36 Td () Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 473.00 201.41 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 179.22 Td (/s/Ronald D. Santo*) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 178.00 179.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 198.00 179.22 Td (Director) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 453.00 179.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 473.00 179.22 Td (February 23, 2017) Tj ET Q BT /F2 10.00 Tf ET q 0 0 0 rg BT 53.00 167.33 Td (Ronald D. 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Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 560.07 Td (Steans, as representative of certain principal stockholders of Taylor Capital Group, Inc.*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 531.07 Td (10.24) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 488.26 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 531.07 Td (Employment Agreement, dated as of July 14, 2013 by and between the Registrant, MB Financial) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 521.07 Td (Bank, N.A. and Mark A. 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504.17 Td (reference to Exhibit10.31 to the Registrant's Current Report on Form8-K filed on September5,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 494.17 Td (2012 \(File No.0-24566-01\)\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 465.17 Td (10.32) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 464.27 Td (Formof Restricted Stock Agreement \(Management Committee\) \(incorporated herein by reference to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 454.27 Td (Exhibit10.32 to the Registrant's Current Report on Form8-K filed on September5, 2012 \(File) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 444.27 Td (No.0-24566-01\)\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 416.17 Td (10.32A) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 415.27 Td (Formof Restricted Stock Unit Agreement \(Management Committee\) \(incorporated herein by) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 405.27 Td (reference to Exhibit10.32A to the Registrant's Current Report on Form8-K filed on September5,) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 395.27 Td (2012 \(File No.0-24566-01\)\)) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 381.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 381.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 381.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 367.17 Td (21) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 364.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 367.17 Td (Subsidiaries of the Registrant*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 352.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 351.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 352.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 337.17 Td (23) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 334.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 337.17 Td (Consent of RSM USLLP*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 322.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 321.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 322.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 307.17 Td (24) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 304.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 307.17 Td (Power of Attorney*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 292.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 291.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 292.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 277.17 Td (31.1) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 274.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 277.17 Td (Rule13a 14\(a\)/15d 14\(a\)Certification \(Chief Executive Officer\)*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 262.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 261.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 262.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 247.17 Td (31.2) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 244.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 247.17 Td (Rule13a 14\(a\)/15d 14\(a\)Certification \(Chief Financial Officer\)*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 232.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 231.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 232.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 217.17 Td (32) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 214.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 217.17 Td (Section1350 Certifications*) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 202.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 137.00 201.27 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 202.17 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 53.00 187.17 Td (101) Tj ET Q BT /F1 1.00 Tf ET q 0 0 0 rg BT 137.00 144.36 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 187.17 Td (The following financial statements from the MB Financial,Inc. Annual Report on Form10-K for) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 177.17 Td (the year ended December31, 2016, formatted in Extensive Business Reporting Language \(XBRL\):) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 167.17 Td (\(i\)consolidated balance sheets, \(ii\)consolidated statements of operations, \(iii\) consolidated) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 157.17 Td (statements of comprehensive income, \(iv\)consolidated statements of cash flows and \(v\) the notes to) Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 156.00 147.17 Td (consolidated financial statements*) Tj ET Q BT /F1 10.00 Tf ET BT /F1 10.00 Tf ET q 0 0 0 rg BT 50.00 130.10 Td () Tj ET Q BT /F1 10.00 Tf ET q 0 0 0 rg BT 68.00 118.10 Td (* Filed herewith) Tj ET Q endstream endobj 309 0 obj <> endobj 310 0 obj <> stream BT /F1 12.00 Tf ET q 0 0 0 rg BT 303.00 59.20 Td (1) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 463.30 711.90 Td (Exhibit 10.23C) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 1.14 w 0 i [] 0 d 1 J 1 j 3 M 85.05 683.6220703125 m 529.90546875 683.6220703125 l s q 0 0 0 rg BT 85.05 685.50 Td (SECOND ) Tj ET Q q 0 0 0 rg BT 137.40 685.50 Td (AMENDMENT) Tj ET Q q 0 0 0 rg BT 218.51 685.50 Td ( ) Tj ET Q q 0 0 0 rg BT 221.29 685.50 Td (T) Tj ET Q q 0 0 0 rg BT 229.08 685.50 Td (O LETTER ) Tj ET Q q 0 0 0 rg BT 292.44 685.50 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 370.89 685.50 Td ( RE: ESCROW) Tj ET Q q 0 0 0 rg BT 450.69 685.50 Td ( OF) Tj ET Q q 0 0 0 rg BT 469.91 685.50 Td ( MERGER ) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 1.14 w 0 i [] 0 d 1 J 1 j 3 M 255.1 669.2220703125 m 356.894921875 669.2220703125 l s q 0 0 0 rg BT 255.10 671.10 Td (CONSIDERA) Tj ET Q q 0 0 0 rg BT 326.22 671.10 Td (TION) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 644.70 Td (THIS ) Tj ET Q q 0 0 0 rg BT 142.89 644.70 Td (SECOND ) Tj ET Q q 0 0 0 rg BT 197.30 644.70 Td (AMENDMENT) Tj ET Q q 0 0 0 rg BT 275.08 644.70 Td ( ) Tj ET Q q 0 0 0 rg BT 282.70 644.70 Td (T) Tj ET Q q 0 0 0 rg BT 289.82 644.70 Td (O ) Tj ET Q q 0 0 0 rg BT 306.70 644.70 Td (LETTER ) Tj ET Q q 0 0 0 rg BT 357.77 644.70 Td (AGREEMENT) Tj ET Q q 0 0 0 rg BT 431.54 644.70 Td ( ) Tj ET Q q 0 0 0 rg BT 439.76 644.70 Td (RE: ) Tj ET Q q 0 0 0 rg BT 466.65 644.70 Td (ESCROW) Tj ET Q q 0 0 0 rg BT 516.44 644.70 Td ( ) Tj ET Q q 0 0 0 rg BT 524.66 644.70 Td (OF ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 630.30 Td (MERGER ) Tj ET Q q 0 0 0 rg BT 126.47 630.30 Td (CONSIDERA) Tj ET Q q 0 0 0 rg BT 193.81 630.30 Td (TION ) Tj ET Q q 0 0 0 rg BT 226.93 630.30 Td (\(this ) Tj ET Q q 0 0 0 rg BT 252.73 630.30 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 258.05859375 628.700390625 m 317.37890625 628.700390625 l s q 0 0 0 rg BT 258.06 630.30 Td (Amendment) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 317.38 630.30 Td (\)) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 326.70 630.30 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 331.17 630.30 Td (is ) Tj ET Q q 0 0 0 rg BT 343.63 630.30 Td (executed ) Tj ET Q q 0 0 0 rg BT 390.74 630.30 Td (as ) Tj ET Q q 0 0 0 rg BT 405.20 630.30 Td (of ) Tj ET Q q 0 0 0 rg BT 419.66 630.30 Td (December ) Tj ET Q q 0 0 0 rg BT 473.43 630.30 Td (16, ) Tj ET Q q 0 0 0 rg BT 492.89 630.30 Td (2016 ) Tj ET Q q 0 0 0 rg BT 521.36 630.30 Td (\(the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 615.90 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 77.326171875 614.300390625 m 146.4697265625 614.300390625 l s q 0 0 0 rg BT 77.33 615.90 Td (Ef) Tj ET Q q 0 0 0 rg BT 88.44 615.90 Td (fective ) Tj ET Q q 0 0 0 rg BT 123.82 615.90 Td (Date) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 146.47 615.90 Td (\) ) Tj ET Q q 0 0 0 rg BT 158.53 615.90 Td (and ) Tj ET Q q 0 0 0 rg BT 178.60 615.90 Td (is ) Tj ET Q q 0 0 0 rg BT 189.34 615.90 Td (by ) Tj ET Q q 0 0 0 rg BT 204.08 615.90 Td (and ) Tj ET Q q 0 0 0 rg BT 224.14 615.90 Td (among ) Tj ET Q q 0 0 0 rg BT 259.54 615.90 Td (MB ) Tj ET Q q 0 0 0 rg BT 280.96 615.90 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 331.35 615.90 Td (Inc. ) Tj ET Q q 0 0 0 rg BT 352.41 615.90 Td (\() Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 361.734375 614.300390625 m 427.8017578125 614.300390625 l s q 0 0 0 rg BT 361.73 615.90 Td (MB ) Tj ET Q q 0 0 0 rg BT 383.15 615.90 Td (Financial) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 427.80 615.90 Td (\), ) Tj ET Q q 0 0 0 rg BT 442.86 615.90 Td (MB ) Tj ET Q q 0 0 0 rg BT 464.28 615.90 Td (Financial ) Tj ET Q q 0 0 0 rg BT 511.67 615.90 Td (Bank, ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 601.50 Td (NA) Tj ET Q q 0 0 0 rg BT 88.67 601.50 Td ( ) Tj ET Q q 0 0 0 rg BT 91.57 601.50 Td (\() Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 100.89111328125 599.900390625 m 147.7939453125 599.900390625 l s q 0 0 0 rg BT 100.89 601.50 Td (MB ) Tj ET Q q 0 0 0 rg BT 122.46 601.50 Td (Bank) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 147.79 601.50 Td (\) ) Tj ET Q q 0 0 0 rg BT 160.02 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 180.24 601.50 Td (Jennifer ) Tj ET Q q 0 0 0 rg BT 221.58 601.50 Td (W) Tj ET Q q 0 0 0 rg BT 231.80 601.50 Td (. ) Tj ET Q q 0 0 0 rg BT 237.70 601.50 Td (Steans, ) Tj ET Q q 0 0 0 rg BT 274.93 601.50 Td (acting ) Tj ET Q q 0 0 0 rg BT 307.15 601.50 Td (on ) Tj ET Q q 0 0 0 rg BT 322.05 601.50 Td (behalf ) Tj ET Q q 0 0 0 rg BT 354.93 601.50 Td (of ) Tj ET Q q 0 0 0 rg BT 367.83 601.50 Td (and ) Tj ET Q q 0 0 0 rg BT 388.05 601.50 Td (as ) Tj ET Q q 0 0 0 rg BT 400.95 601.50 Td (the ) Tj ET Q q 0 0 0 rg BT 418.50 601.50 Td (designated ) Tj ET Q q 0 0 0 rg BT 472.72 601.50 Td (representative ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 84.34 587.10 Td (the ) Tj ET Q q 0 0 0 rg BT 101.34 587.10 Td (former ) Tj ET Q q 0 0 0 rg BT 136.34 587.10 Td (holders ) Tj ET Q q 0 0 0 rg BT 174.01 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 186.35 587.10 Td (common ) Tj ET Q q 0 0 0 rg BT 230.68 587.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 258.36 587.10 Td (and ) Tj ET Q q 0 0 0 rg BT 278.03 587.10 Td (nonvoting ) Tj ET Q q 0 0 0 rg BT 329.04 587.10 Td (preferred ) Tj ET Q q 0 0 0 rg BT 375.35 587.10 Td (stock ) Tj ET Q q 0 0 0 rg BT 403.02 587.10 Td (of ) Tj ET Q q 0 0 0 rg BT 415.19 587.10 Td (T) Tj ET Q q 0 0 0 rg BT 421.68 587.10 Td (aylor ) Tj ET Q q 0 0 0 rg BT 448.68 587.10 Td (Capital ) Tj ET Q q 0 0 0 rg BT 485.68 587.10 Td (Group, ) Tj ET Q q 0 0 0 rg BT 521.69 587.10 Td (Inc. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 572.70 Td (\(each ) Tj ET Q q 0 0 0 rg BT 103.39 572.70 Td (a ) Tj ET Q q 0 0 0 rg BT 114.14 572.70 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 119.466796875 571.100390625 m 226.201171875 571.100390625 l s q 0 0 0 rg BT 119.47 572.70 Td (Principal ) Tj ET Q q 0 0 0 rg BT 168.21 572.70 Td (Stockholder) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 226.20 572.70 Td (\) ) Tj ET Q q 0 0 0 rg BT 240.94 572.70 Td (each ) Tj ET Q q 0 0 0 rg BT 268.34 572.70 Td (of ) Tj ET Q q 0 0 0 rg BT 283.76 572.70 Td (whom ) Tj ET Q q 0 0 0 rg BT 319.18 572.70 Td (is ) Tj ET Q q 0 0 0 rg BT 332.60 572.70 Td (party ) Tj ET Q q 0 0 0 rg BT 362.68 572.70 Td (to ) Tj ET Q q 0 0 0 rg BT 377.43 572.70 Td (the ) Tj ET Q q 0 0 0 rg BT 397.51 572.70 Td (Stockholders) Tj ET Q q 0 0 0 rg BT 463.28 572.70 Td ( ) Tj ET Q q 0 0 0 rg BT 468.70 572.70 Td (Representative ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 558.30 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 131.83 558.30 Td (\(as ) Tj ET Q q 0 0 0 rg BT 152.34 558.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 194.84 558.30 Td (below\), ) Tj ET Q q 0 0 0 rg BT 237.68 558.30 Td (\(in ) Tj ET Q q 0 0 0 rg BT 257.53 558.30 Td (such ) Tj ET Q q 0 0 0 rg BT 286.05 558.30 Td (capacity) Tj ET Q q 0 0 0 rg BT 325.24 558.30 Td (, ) Tj ET Q q 0 0 0 rg BT 334.76 558.30 Td (Ms. ) Tj ET Q q 0 0 0 rg BT 359.62 558.30 Td (Steans ) Tj ET Q q 0 0 0 rg BT 397.47 558.30 Td (is ) Tj ET Q q 0 0 0 rg BT 411.99 558.30 Td (referred ) Tj ET Q q 0 0 0 rg BT 456.47 558.30 Td (to ) Tj ET Q q 0 0 0 rg BT 472.32 558.30 Td (herein ) Tj ET Q q 0 0 0 rg BT 508.83 558.30 Td (as ) Tj ET Q q 0 0 0 rg BT 525.34 558.30 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 543.90 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 77.326171875 542.300390625 m 148.62890625 542.300390625 l s q 0 0 0 rg BT 77.33 543.90 Td (Representative) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 148.63 543.90 Td (\). ) Tj ET Q q 0 0 0 rg BT 163.95 543.90 Td ( ) Tj ET Q BT /F2 12.00 Tf ET 0 0 0 RG /GS0 gs 1.14 w 0 i [] 0 d 1 J 1 j 3 M 263.95 515.6220703125 m 350.979296875 515.6220703125 l s q 0 0 0 rg BT 263.95 517.50 Td (WITNESSETH: ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 491.10 Td (WHEREAS,) Tj ET Q BT /F2 12.00 Tf ET q 0 0 0 rg BT 169.00 491.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 171.87 491.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 193.41 491.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 240.94 491.10 Td (and ) Tj ET Q q 0 0 0 rg BT 261.13 491.10 Td (the ) Tj ET Q q 0 0 0 rg BT 278.67 491.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 324.86 491.10 Td (Stockholders ) Tj ET Q q 0 0 0 rg BT 390.39 491.10 Td (are ) Tj ET Q q 0 0 0 rg BT 407.91 491.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 442.77 491.10 Td (to ) Tj ET Q q 0 0 0 rg BT 454.97 491.10 Td (that ) Tj ET Q q 0 0 0 rg BT 475.84 491.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 511.35 491.10 Td (Letter ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 476.70 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 129.36 476.70 Td (re: ) Tj ET Q q 0 0 0 rg BT 146.07 476.70 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 186.11 476.70 Td (of ) Tj ET Q q 0 0 0 rg BT 200.16 476.70 Td (Mer) Tj ET Q q 0 0 0 rg BT 219.94 476.70 Td (ger ) Tj ET Q q 0 0 0 rg BT 239.31 476.70 Td (Consideration ) Tj ET Q q 0 0 0 rg BT 310.69 476.70 Td (dated ) Tj ET Q q 0 0 0 rg BT 340.73 476.70 Td (June ) Tj ET Q q 0 0 0 rg BT 366.78 476.70 Td (30, ) Tj ET Q q 0 0 0 rg BT 385.83 476.70 Td (2014 ) Tj ET Q q 0 0 0 rg BT 413.89 476.70 Td (\(as ) Tj ET Q q 0 0 0 rg BT 431.93 476.70 Td (amended ) Tj ET Q q 0 0 0 rg BT 479.30 476.70 Td (or ) Tj ET Q q 0 0 0 rg BT 493.35 476.70 Td (otherwise ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 462.30 Td (modified ) Tj ET Q q 0 0 0 rg BT 118.08 462.30 Td (by ) Tj ET Q q 0 0 0 rg BT 132.84 462.30 Td (that ) Tj ET Q q 0 0 0 rg BT 153.60 462.30 Td (certain ) Tj ET Q q 0 0 0 rg BT 189.00 462.30 Td (letter ) Tj ET Q q 0 0 0 rg BT 216.41 462.30 Td (agreement ) Tj ET Q q 0 0 0 rg BT 269.14 462.30 Td (dated ) Tj ET Q q 0 0 0 rg BT 297.28 462.30 Td (August ) Tj ET Q q 0 0 0 rg BT 334.71 462.30 Td (15, ) Tj ET Q q 0 0 0 rg BT 352.47 462.30 Td (2014 ) Tj ET Q q 0 0 0 rg BT 379.23 462.30 Td (by ) Tj ET Q q 0 0 0 rg BT 393.98 462.30 Td (and ) Tj ET Q q 0 0 0 rg BT 414.07 462.30 Td (among ) Tj ET Q q 0 0 0 rg BT 449.49 462.30 Td (MB ) Tj ET Q q 0 0 0 rg BT 470.92 462.30 Td (Financial, ) Tj ET Q q 0 0 0 rg BT 521.34 462.30 Td (MB ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 447.90 Td (Bank ) Tj ET Q q 0 0 0 rg BT 100.33 447.90 Td (and ) Tj ET Q q 0 0 0 rg BT 120.66 447.90 Td (the ) Tj ET Q q 0 0 0 rg BT 138.32 447.90 Td (Representative, ) Tj ET Q q 0 0 0 rg BT 215.62 447.90 Td (the ) Tj ET Q q 0 0 0 rg BT 233.28 447.90 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 238.60546875 446.300390625 m 322.8984375 446.300390625 l s q 0 0 0 rg BT 238.61 447.90 Td (Letter ) Tj ET Q q 0 0 0 rg BT 269.59 447.90 Td (Agreement) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 322.90 447.90 Td (\); ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 421.50 Td (WHEREAS, ) Tj ET Q q 0 0 0 rg BT 173.24 421.50 Td (MB ) Tj ET Q q 0 0 0 rg BT 196.16 421.50 Td (Bank, ) Tj ET Q q 0 0 0 rg BT 228.74 421.50 Td (the ) Tj ET Q q 0 0 0 rg BT 247.65 421.50 Td (Representative ) Tj ET Q q 0 0 0 rg BT 323.20 421.50 Td (and ) Tj ET Q q 0 0 0 rg BT 344.46 421.50 Td (The ) Tj ET Q q 0 0 0 rg BT 367.36 421.50 Td (Northern ) Tj ET Q q 0 0 0 rg BT 414.62 421.50 Td (T) Tj ET Q q 0 0 0 rg BT 421.53 421.50 Td (rust ) Tj ET Q q 0 0 0 rg BT 443.78 421.50 Td (Company ) Tj ET Q q 0 0 0 rg BT 494.69 421.50 Td (\() Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 504.0107421875 419.900390625 m 542.9990234375 419.900390625 l s q 0 0 0 rg BT 504.01 421.50 Td (Escrow ) Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 72 405.500390625 m 101.326171875 405.500390625 l s q 0 0 0 rg BT 72.00 407.10 Td (Agent) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 101.33 407.10 Td (\) ) Tj ET Q q 0 0 0 rg BT 116.53 407.10 Td (are ) Tj ET Q q 0 0 0 rg BT 137.05 407.10 Td (parties ) Tj ET Q q 0 0 0 rg BT 174.92 407.10 Td (to ) Tj ET Q q 0 0 0 rg BT 190.13 407.10 Td (that ) Tj ET Q q 0 0 0 rg BT 214.00 407.10 Td (certain ) Tj ET Q q 0 0 0 rg BT 252.52 407.10 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 293.09 407.10 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 352.28 407.10 Td (dated ) Tj ET Q q 0 0 0 rg BT 382.85 407.10 Td (August ) Tj ET Q q 0 0 0 rg BT 423.40 407.10 Td (15, ) Tj ET Q q 0 0 0 rg BT 444.27 407.10 Td (2014 ) Tj ET Q q 0 0 0 rg BT 474.15 407.10 Td (\(the ) Tj ET Q q 0 0 0 rg BT 498.69 407.10 Td () Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 504.01416015625 405.500390625 m 543.00244140625 405.500390625 l s q 0 0 0 rg BT 504.01 407.10 Td (Escrow ) Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 72 391.100390625 m 125.30859375 391.100390625 l s q 0 0 0 rg BT 72.00 392.70 Td (Agreement) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 125.31 392.70 Td (\); ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 366.30 Td (WHEREAS, ) Tj ET Q q 0 0 0 rg BT 172.11 366.30 Td (the ) Tj ET Q q 0 0 0 rg BT 189.89 366.30 Td (Representative ) Tj ET Q q 0 0 0 rg BT 264.31 366.30 Td (was ) Tj ET Q q 0 0 0 rg BT 286.08 366.30 Td (appointed ) Tj ET Q q 0 0 0 rg BT 336.52 366.30 Td (as ) Tj ET Q q 0 0 0 rg BT 349.63 366.30 Td (the ) Tj ET Q q 0 0 0 rg BT 367.41 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ET Q q 0 0 0 rg BT 435.21 466.90 Td (, ) Tj ET Q q 0 0 0 rg BT 440.07 466.90 Td (the ) Tj ET Q q 0 0 0 rg BT 456.60 466.90 Td (Letter ) Tj ET Q q 0 0 0 rg BT 486.70 466.90 Td (Agreement ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 452.50 Td (remains ) Tj ET Q q 0 0 0 rg BT 112.99 452.50 Td (in ) Tj ET Q q 0 0 0 rg BT 125.32 452.50 Td (full ) Tj ET Q q 0 0 0 rg BT 144.98 452.50 Td (force ) Tj ET Q q 0 0 0 rg BT 172.63 452.50 Td (and ) Tj ET Q q 0 0 0 rg BT 192.96 452.50 Td (ef) Tj ET Q q 0 0 0 rg BT 202.06 452.50 Td (fect. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 90.00 426.10 Td (4. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 426.10 Td (The ) Tj ET Q q 0 0 0 rg BT 128.67 426.10 Td (Representative, ) Tj ET Q q 0 0 0 rg BT 204.98 426.10 Td (on ) Tj ET Q q 0 0 0 rg BT 219.00 426.10 Td (behalf ) Tj ET Q q 0 0 0 rg BT 250.99 426.10 Td (of ) Tj ET Q q 0 0 0 rg BT 263.00 426.10 Td (the ) Tj ET Q q 0 0 0 rg BT 279.67 426.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 325.01 426.10 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 392.68 426.10 Td (and ) Tj ET Q q 0 0 0 rg BT 412.02 426.10 Td (MB ) Tj ET Q q 0 0 0 rg BT 432.71 426.10 Td (Financial ) Tj ET Q q 0 0 0 rg BT 479.38 426.10 Td (hereby ) Tj ET Q q 0 0 0 rg BT 514.04 426.10 Td (agree ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 411.70 Td (to ) Tj ET Q q 0 0 0 rg BT 84.51 411.70 Td (cooperate ) Tj ET Q q 0 0 0 rg BT 134.32 411.70 Td (with ) Tj ET Q q 0 0 0 rg BT 158.83 411.70 Td (one ) Tj ET Q q 0 0 0 rg BT 179.33 411.70 Td (another ) Tj ET Q q 0 0 0 rg BT 218.48 411.70 Td (to ) Tj ET Q q 0 0 0 rg BT 230.99 411.70 Td (ef) Tj ET Q q 0 0 0 rg BT 240.10 411.70 Td (fectuate ) Tj ET Q q 0 0 0 rg BT 281.24 411.70 Td (the ) Tj ET Q q 0 0 0 rg BT 299.07 411.70 Td (termination ) Tj ET Q q 0 0 0 rg BT 357.57 411.70 Td (of ) Tj ET Q q 0 0 0 rg BT 370.74 411.70 Td (the ) Tj ET Q q 0 0 0 rg BT 388.57 411.70 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 427.03 411.70 Td (Agreement ) Tj ET Q q 0 0 0 rg BT 483.52 411.70 Td (and ) Tj ET Q q 0 0 0 rg BT 504.02 411.70 Td (instruct ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 397.30 Td (the ) Tj ET Q q 0 0 0 rg BT 89.82 397.30 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 128.27 397.30 Td (Agent ) Tj ET Q q 0 0 0 rg BT 160.75 397.30 Td (to ) Tj ET Q q 0 0 0 rg BT 173.24 397.30 Td (release ) Tj ET Q q 0 0 0 rg BT 209.71 397.30 Td (the ) Tj ET Q q 0 0 0 rg BT 227.53 397.30 Td (Escrowed ) Tj ET Q q 0 0 0 rg BT 278.00 397.30 Td (Funds ) Tj ET Q q 0 0 0 rg BT 310.50 397.30 Td (\(as ) Tj ET Q q 0 0 0 rg BT 327.65 397.30 Td (defined ) Tj ET Q q 0 0 0 rg BT 366.79 397.30 Td (in ) Tj ET Q q 0 0 0 rg BT 379.28 397.30 Td (the ) Tj ET Q q 0 0 0 rg BT 397.10 397.30 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 435.55 397.30 Td (Agreement\) ) Tj ET Q q 0 0 0 rg BT 496.01 397.30 Td (promptly ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 382.90 Td (following ) Tj ET Q q 0 0 0 rg BT 122.43 382.90 Td (the ) Tj ET Q q 0 0 0 rg BT 140.86 382.90 Td (execution ) Tj ET Q q 0 0 0 rg BT 191.27 382.90 Td (and ) Tj ET Q q 0 0 0 rg BT 212.36 382.90 Td (delivery ) Tj ET Q q 0 0 0 rg BT 255.44 382.90 Td (of ) Tj ET Q q 0 0 0 rg BT 269.21 382.90 Td (this ) Tj ET Q q 0 0 0 rg BT 289.48 382.90 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 352.57 382.90 Td (in ) Tj ET Q q 0 0 0 rg BT 365.67 382.90 Td (accordance ) Tj ET Q q 0 0 0 rg BT 423.38 382.90 Td (with ) Tj ET Q q 0 0 0 rg BT 448.48 382.90 Td (the ) Tj ET Q q 0 0 0 rg BT 466.91 382.90 Td (instructions ) Tj ET Q q 0 0 0 rg BT 526.68 382.90 Td (set ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 368.50 Td (forth ) Tj ET Q q 0 0 0 rg BT 98.01 368.50 Td (on ) Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 112.6962890625 366.900390625 m 158.45556640625 366.900390625 l s q 0 0 0 rg BT 112.70 368.50 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 150.12 368.50 Td (A) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 158.12 368.50 Td ( ) Tj ET Q q 0 0 0 rg BT 160.81 368.50 Td (hereto. ) Tj ET Q q 0 0 0 rg BT 196.48 368.50 Td ( ) Tj ET Q q 0 0 0 rg BT 198.97 368.50 Td (The ) Tj ET Q q 0 0 0 rg BT 220.31 368.50 Td (Representative, ) Tj ET Q q 0 0 0 rg BT 297.30 368.50 Td (in ) Tj ET Q q 0 0 0 rg BT 309.32 368.50 Td (her ) Tj ET Q q 0 0 0 rg BT 327.32 368.50 Td (capacity ) Tj ET Q q 0 0 0 rg BT 369.98 368.50 Td (as ) Tj ET Q q 0 0 0 rg BT 382.66 368.50 Td (the ) Tj ET Q q 0 0 0 rg BT 400.01 368.50 Td (exclusive ) Tj ET Q q 0 0 0 rg BT 448.01 368.50 Td (agent ) Tj ET Q q 0 0 0 rg BT 476.68 368.50 Td (and ) Tj ET Q q 0 0 0 rg BT 496.69 368.50 Td (attorney-) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 354.10 Td (in-fact ) Tj ET Q q 0 0 0 rg BT 105.94 354.10 Td (for ) Tj ET Q q 0 0 0 rg BT 122.56 354.10 Td (each ) Tj ET Q q 0 0 0 rg BT 147.17 354.10 Td (of ) Tj ET Q q 0 0 0 rg BT 159.80 354.10 Td (the ) Tj ET Q q 0 0 0 rg BT 177.09 354.10 Td (Principal ) Tj ET Q q 0 0 0 rg BT 223.04 354.10 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 291.33 354.10 Td (hereby ) Tj ET Q q 0 0 0 rg BT 326.61 354.10 Td (represents, ) Tj ET Q q 0 0 0 rg BT 380.88 354.10 Td (agrees ) Tj ET Q q 0 0 0 rg BT 414.16 354.10 Td (and ) Tj ET Q q 0 0 0 rg BT 434.11 354.10 Td (acknowledges ) Tj ET Q q 0 0 0 rg BT 504.71 354.10 Td (that ) Tj ET Q q 0 0 0 rg BT 525.34 354.10 Td (the ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 339.70 Td (Representative ) Tj ET Q q 0 0 0 rg BT 146.85 339.70 Td (is ) Tj ET Q q 0 0 0 rg BT 158.39 339.70 Td (authorized ) Tj ET Q q 0 0 0 rg BT 212.58 339.70 Td (to ) Tj ET Q q 0 0 0 rg BT 225.46 339.70 Td (act ) Tj ET Q q 0 0 0 rg BT 242.99 339.70 Td (on ) Tj ET Q q 0 0 0 rg BT 258.53 339.70 Td (behalf ) Tj ET Q q 0 0 0 rg BT 292.06 339.70 Td (of ) Tj ET Q q 0 0 0 rg BT 305.60 339.70 Td (the ) Tj ET Q q 0 0 0 rg BT 323.80 339.70 Td (Principal ) Tj ET Q q 0 0 0 rg BT 370.67 339.70 Td (Stockholders, ) Tj ET Q q 0 0 0 rg BT 439.87 339.70 Td (and ) Tj ET Q q 0 0 0 rg BT 460.74 339.70 Td (that ) Tj ET Q q 0 0 0 rg BT 482.28 339.70 Td (each ) Tj ET Q q 0 0 0 rg BT 507.80 339.70 Td (of ) Tj ET Q q 0 0 0 rg BT 521.34 339.70 Td (MB ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 325.30 Td (Financial ) Tj ET Q q 0 0 0 rg BT 120.90 325.30 Td (and ) Tj ET Q q 0 0 0 rg BT 142.47 325.30 Td (FIC ) Tj ET Q q 0 0 0 rg BT 165.39 325.30 Td (is ) Tj ET Q q 0 0 0 rg BT 177.64 325.30 Td (hereby ) Tj ET Q q 0 0 0 rg BT 214.54 325.30 Td (entitled ) Tj ET Q q 0 0 0 rg BT 254.77 325.30 Td (to ) Tj ET Q q 0 0 0 rg BT 268.35 325.30 Td (rely ) Tj ET Q q 0 0 0 rg BT 291.26 325.30 Td (on ) Tj ET Q q 0 0 0 rg BT 307.50 325.30 Td (the ) Tj ET Q q 0 0 0 rg BT 326.41 325.30 Td (instructions ) Tj ET Q q 0 0 0 rg BT 386.66 325.30 Td (provided ) Tj ET Q q 0 0 0 rg BT 433.56 325.30 Td (by ) Tj ET Q q 0 0 0 rg BT 449.81 325.30 Td (the ) Tj ET Q q 0 0 0 rg BT 468.71 325.30 Td (Representative ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 310.90 Td (regarding ) Tj ET Q q 0 0 0 rg BT 120.50 310.90 Td (the ) Tj ET Q q 0 0 0 rg BT 137.67 310.90 Td (distribution ) Tj ET Q q 0 0 0 rg BT 195.52 310.90 Td (of ) Tj ET Q q 0 0 0 rg BT 208.04 310.90 Td (the ) Tj ET Q q 0 0 0 rg BT 225.21 310.90 Td (Escrowed ) Tj ET Q q 0 0 0 rg BT 275.04 310.90 Td (Funds. ) Tj ET Q q 0 0 0 rg BT 309.91 310.90 Td ( ) Tj ET Q q 0 0 0 rg BT 312.42 310.90 Td (Following ) Tj ET Q q 0 0 0 rg BT 364.28 310.90 Td (the ) Tj ET Q q 0 0 0 rg BT 381.46 310.90 Td (receipt ) Tj ET Q q 0 0 0 rg BT 416.62 310.90 Td (of ) Tj ET Q q 0 0 0 rg BT 429.13 310.90 Td (the ) Tj ET Q q 0 0 0 rg BT 446.31 310.90 Td (Escrowed ) Tj ET Q q 0 0 0 rg BT 496.14 310.90 Td (Funds ) Tj ET Q q 0 0 0 rg BT 528.00 310.90 Td (by ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 296.50 Td (FIC ) Tj ET Q q 0 0 0 rg BT 95.21 296.50 Td (from ) Tj ET Q q 0 0 0 rg BT 123.07 296.50 Td (the ) Tj ET Q q 0 0 0 rg BT 142.26 296.50 Td (Escrow ) Tj ET Q q 0 0 0 rg BT 181.78 296.50 Td (Agent, ) Tj ET Q q 0 0 0 rg BT 218.64 296.50 Td (the ) Tj ET Q q 0 0 0 rg BT 237.84 296.50 Td (Representative ) Tj ET Q q 0 0 0 rg BT 313.67 296.50 Td (hereby ) Tj ET Q q 0 0 0 rg BT 350.85 296.50 Td (authorizes ) Tj ET Q q 0 0 0 rg BT 404.70 296.50 Td (and ) Tj ET Q q 0 0 0 rg BT 426.56 296.50 Td (agrees ) Tj ET Q q 0 0 0 rg BT 461.74 296.50 Td (to ) Tj ET Q q 0 0 0 rg BT 475.61 296.50 Td (direct ) Tj ET Q q 0 0 0 rg BT 507.46 296.50 Td (FIC ) Tj ET Q q 0 0 0 rg BT 530.66 296.50 Td (to ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 72.00 282.10 Td (distribute ) Tj ET Q q 0 0 0 rg BT 120.33 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 137.99 282.10 Td (Escrowed ) Tj ET Q q 0 0 0 rg BT 188.30 282.10 Td (Funds ) Tj ET Q q 0 0 0 rg BT 220.65 282.10 Td (in ) Tj ET Q q 0 0 0 rg BT 232.98 282.10 Td (accordance ) Tj ET Q q 0 0 0 rg BT 289.93 282.10 Td (with ) Tj ET Q q 0 0 0 rg BT 314.27 282.10 Td (the ) Tj ET Q q 0 0 0 rg BT 331.93 282.10 Td (instructions ) Tj ET Q q 0 0 0 rg BT 390.93 282.10 Td (set ) Tj ET Q q 0 0 0 rg BT 407.26 282.10 Td (forth ) Tj ET Q q 0 0 0 rg BT 433.58 282.10 Td (on ) Tj ET Q BT /F1 12.00 Tf ET 0 0 0 RG /GS0 gs 0.59 w 0 i [] 0 d 1 J 1 j 3 M 448.58203125 280.500390625 m 494.91796875 280.500390625 l s q 0 0 0 rg BT 448.58 282.10 Td (Exhibit ) Tj ET Q q 0 0 0 rg BT 486.91 282.10 Td (B) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 494.92 282.10 Td ( ) Tj ET Q q 0 0 0 rg BT 497.92 282.10 Td (hereto. ) Tj ET Q q 0 0 0 rg BT 533.90 282.10 Td ( ) Tj ET Q q 0 0 0 rg BT 536.90 282.10 Td ( ) Tj ET Q q 0 0 0 rg BT 539.90 282.10 Td ( ) Tj ET Q q 0 0 0 rg BT 542.90 282.10 Td ( ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 90.00 255.70 Td (5. ) Tj ET Q BT /F1 12.00 Tf ET q 0 0 0 rg BT 108.00 255.70 Td (This ) Tj ET Q q 0 0 0 rg BT 130.63 255.70 Td (Amendment ) Tj ET Q q 0 0 0 rg BT 191.60 255.70 Td (may ) Tj ET Q q 0 0 0 rg BT 213.92 255.70 Td (be ) Tj ET Q q 0 0 0 rg BT 226.90 255.70 Td (executed ) Tj ET Q q 0 0 0 rg BT 271.20 255.70 Td (by ) Tj ET Q q 0 0 0 rg BT 284.85 255.70 Td (the ) Tj ET Q q 0 0 0 rg BT 301.17 255.70 Td (parties ) Tj ET Q q 0 0 0 rg BT 334.81 255.70 Td (in ) Tj ET Q q 0 0 0 rg BT 345.80 255.70 Td (separate ) Tj ET Q q 0 0 0 rg BT 386.77 255.70 Td (counterparts, 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