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INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

PAGE

CONSOLIDATED FINANCIAL STATEMENTS

Consolidated Statements of Income — For the Years Ended December 31, 2015, 2014 and 2013 .............. 101

Consolidated Statements of Comprehensive Income — For the Years Ended December 31, 2015,

2014 and 2013 .................................................................................. 102

Consolidated Balance Sheets — December 31, 2015 and 2014 ........................................... 103

Consolidated Statements of Cash Flows — For the Years Ended December 31, 2015, 2014 and 2013 ........... 104

Consolidated Statements of Shareholders’ Equity — For the Years Ended December 31, 2015, 2014 and 2013 . . 105

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 1 — Summary of Significant Accounting Policies ................................................. 106

Note 2 — Business Events ......................................................................... 110

Note 3 — Accounts Receivable and Loans ............................................................ 111

Note 4 — Reserves for Losses ...................................................................... 118

Note 5 — Investment Securities .................................................................... 120

Note 6 — Asset Securitizations ..................................................................... 122

Note 7 — Other Assets ............................................................................ 123

Note 8 — Customer Deposits ...................................................................... 125

Note 9 — Debt ................................................................................... 126

Note 10 — Other Liabilities .......................................................................... 129

Note 11 — Stock Plans ............................................................................. 130

Note 12 — Retirement Plans ........................................................................ 132

Note 13 — Commitments and Contingencies .......................................................... 132

Note 14 — Derivatives and Hedging Activities ......................................................... 134

Note 15 — Fair Values .............................................................................. 138

Note 16 — Guarantees ............................................................................. 142

Note 17 — Common and Preferred Shares ............................................................ 143

Note 18 — Changes in Accumulated Other Comprehensive (Loss) Income ................................. 144

Note 19 — Non-Interest Revenue and Expense Detail ................................................... 145

Includes further details of:

• Other Commissions and Fees

• Other Revenues

• Other Expenses

Note 20 — Restructuring ........................................................................... 146

Note 21 — Income Taxes ........................................................................... 148

Note 22 — Earnings Per Common Share .............................................................. 151

Note 23 — Regulatory Matters and Capital Adequacy ................................................... 151

Note 24 — Significant Credit Concentrations .......................................................... 153

Note 25 — Reportable Operating Segments and Geographic Operations .................................. 154

Note 26 — Parent Company ........................................................................ 157

Note 27 — Quarterly Financial Data (Unaudited) ....................................................... 159

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